What Is Health Insurance for Spain Non-Lucrative Visa?
For those applying for Spain’s non-lucrative residence permit, health insurance is one of the essential required documents. According to the Spanish immigration office, applicants must have valid insurance for the entire residency period, with no deductibles and covering all medical services. But which insurance exactly meets the requirements? Many people applying for this visa for the first time often get confused by insurance details, so here I share my experience.
Types of Insurance and How to Choose
There are many types of health insurance on the market, mainly divided into those with deductibles and without, and those including outpatient services and those not. The immigration office clearly requires: you must choose individual health insurance with no deductible that covers all medical services, preferably from a well-known Spanish insurance company. They can usually provide policy templates suitable for the non-lucrative visa, and some companies can also assist with issuing insurance certificates in English/Spanish, which helps when submitting to the embassy.
Premiums and Coverage Period
Depending on age and health condition, the annual premium usually ranges from [€500–€1200 per year]. It is important that the insurance covers the entire residency period, and Spain non-lucrative health insurance must be paid fully in advance.
| Insurance Company | Annual Premium Range |
|---|
| Sanitas | €600–€900 |
| Adeslas | €550–€880 |
| MAPFRE | €650–€1100 |
Application Process and Important Notes
Key steps summary:
- Contact the insurance company or a Chinese-speaking agent and specify it is for a non-lucrative residence visa.
- Provide basic information such as the passport main page, residential address, phone number, etc., along with the Spain non-lucrative public health insurance application guide.
- Choose the suitable package and confirm that the terms have no deductible.
- Pay the premium; the policy will be delivered by email immediately and can be used directly for visa submission at the Spanish embassy or consulate.
Frequently Asked Questions
When will the health insurance card be received?
It is usually received locally after the visa is approved and the applicant arrives, by presenting the policy.
Can a whole family buy insurance together?
Family packages are available, but each person must have an individual policy.
Is a medical checkup required?
Some insurance companies may ask about health status by phone, with only a few requiring basic medical exams.
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Hope this guide helps those planning to apply for the Spain non-lucrative visa! If you have additional experiences regarding buying health insurance for Spain non-lucrative visa, feel free to share in the replies to help each other out~
