No-co-payment cover that meets consulate requirements – for the Non-Lucrative, Digital Nomad and other Spanish entry visas
For a Spanish Non-Lucrative Visa you need private health insurance from an insurer authorised in Spain, with full cover, no co-payments and, where the consulate asks, no waiting periods. Sanitas Residents Visa is built for it: it meets all four points and includes repatriation, a minimum one-year term and a consulate certificate issued when the policy activates.
Spain's Digital Nomad Visa requires full private cover with no co-payments and, where the consulate asks, no waiting periods, valid in all Spain for the whole stay. Sanitas Residents Visa (from €76,89 a month) is built for it. Sanitas Mas Salud (€61,40), Mas Salud Family (€62,70), Top Quantum (€64,40), Mas 90 (€83,70) and Premium 500 (€94,00) are also accepted.
If you are a non-EU national – from the UK, the US, Canada, Australia or anywhere outside the EU/EEA – you will normally need a visa to live in Spain, and Spanish consulates require you to hold private health insurance as part of that application. The policy has to provide full cover with no co-payments, from an insurer authorised in Spain, with no waiting periods on the cover the authorities care about. You arrange it before you travel and submit the insurance certificate with your visa paperwork. Sanitas is one of the most widely accepted insurers for these applications, and we arrange the certificate consulates ask for.
Applying on a student visa instead? See our dedicated student visa health insurance page.
All no-co-payment, all accepted for visa applications. The Sanitas Residents Visa plan is purpose-built for applying from abroad.
From 76,89 € / month
For a Spanish residence visa
A dedicated plan for non-EU applicants applying for a residence visa from outside Spain, with no waiting periods and repatriation included.
From 64,40 € / month
Cover in Spain + no co-payments
Sanitas Top Quantum offers comprehensive coverage, including any GP in Spain – a step up from Sanitas Mas Salud, and accepted for Spanish visa applications.
From 61,40 € / month
Cover in Spain + no co-payments
Our most economical no co-payment policy for singles and couples applying for a Spanish visa.
From 62,70 € / month
Cover in Spain + no co-payments
Our most economical no co-payment policy for families applying for a Spanish visa together.
From 83,70 € / month
Cover in Spain + 70% worldwide
An all-inclusive policy covering you in Spain plus 70% worldwide with no co-payments – ideal if you will travel while on your visa.
From 94,00 € / month
Cover in Spain + 90% worldwide
Comprehensive care in Spain plus €500k worldwide cover, with prescription reimbursement and a hospital cash allowance – our highest level of protection for visa holders.
Age matters here. These plans have a maximum joining age – 75 on most of them, and 64 on Sanitas Mas 90 and Sanitas Premium 500. It is the age you take the policy out that counts, not your age later on. Sanitas Unico has no upper age limit but cannot be used for a visa application, because it has co-payments and no hospitalisation cover. If you are close to these ages, ask us to call you before you apply.
Some consulates spell this out: the Spanish Consulate in Los Angeles asks for insurance with no deductible, no copayment, no waiting period or coverage limit. Sanitas Residents Visa is the plan built for consulates that ask for this.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas visa policies in English, at the same price as buying direct from Sanitas.
Yes. Spanish consulates require full private health cover with no co-payments for non-lucrative, digital nomad and similar visas. Plans with co-payments are generally not accepted for these applications.
Yes, that is exactly what the Sanitas Residents Visa plan is for. You can arrange it from your home country, with no NIE required to start, and we arrange the certificate you submit with your visa application.
A certificate confirming full private medical cover with no co-payments, no waiting periods on the relevant benefits, and repatriation, from an insurer authorised in Spain. Sanitas issues this when your policy is set up and we send it to you for your application.
Yes. The Sanitas Residents Visa plan includes repatriation as standard, which is one of the points consulates look for on visa applications.
For most visas the insurance must cover the full period of the authorisation, typically a year, renewable. We set the policy up to align with your visa period.
No. EU, EEA and Swiss citizens do not need a visa. You register as a resident instead. See our residency health insurance page.
Sanitas Residents Visa, Sanitas Top Quantum, Sanitas Mas Salud, Sanitas Mas Salud Family, Sanitas Mas 90 and Sanitas Premium 500 meet Spanish visa requirements. All six have no co-payments and are accepted for visa applications. Sanitas Residents Visa is purpose-built for applying from abroad, with no waiting periods and repatriation included.
The Non-Lucrative Visa requires full private cover with no co-payments. The Digital Nomad Visa requires compliant private health insurance for the whole stay. Work and highly-qualified visas use private cover to bridge the gap where the applicant is not yet covered by Spanish social security. Golden Visa holders renewing their permits still include authorised private cover in their documentation. Retirees from outside the EU use the Non-Lucrative Visa, because Spain has no separate retirement visa. Health insurance is also part of the application for the Family Reunification Visa, the Self-Employed Work Visa, the Internship or Training Visa and the EU Long-Term Residence Permit. For a Student Visa, Sanitas International Students is for students aged 14 to 35 who are accredited by a Spanish university or college. Sanitas Professional, the plan for the self-employed, is for people already registered as autonomo, so a Self-Employed Work Visa application uses one of the six plans on this page.
No, travel insurance is usually not enough for a Spanish visa. Spanish consulates ask for full private health insurance from an insurer authorised in Spain, with no co-payments, covering medical, surgical and hospital care throughout Spain. Cover for emergencies during a trip abroad is not the same thing.
Sanitas Residents Visa has no waiting periods, so every cover in the policy is available from the start date. Sanitas Mas Salud, Mas Salud Family, Top Quantum, Mas 90 and Premium 500 carry waiting periods on some services, for example 8 months for childbirth on Sanitas Mas Salud. Where a consulate requires no waiting periods, Sanitas Residents Visa is the plan built for the application.
The premium for Spanish visa health insurance depends on the age of each person and the province where you will live in Spain. The plan cards on this page show the monthly starting price for each plan, and Sanitas Residents Visa is billed every 6 months or annually. Get a quote for the exact premium for everyone applying.
Yes, there is a maximum age to take the policy out, but no maximum age to stay insured. The joining limit is 75 on Sanitas Residents Visa, Mas Salud, Mas Salud Family and Top Quantum, and 64 on Sanitas Mas 90 and Premium 500. Sanitas Unico has no upper age limit but cannot be used for a visa application.
Yes, a pre-existing condition does not stop the policy being used for a Spanish visa application. Visa applicants are underwritten like everyone else: you declare the condition on the health questionnaire, and Sanitas can accept it, exclude it from cover or decline the application. Consulates check the level of cover, not personal exclusions.
Yes, HealthPlan Spain arranges Sanitas visa health insurance in English from the first quote to the consulate certificate. We are an authorised Sanitas agent (agent code 22395) with an office in Marbella, open Monday to Friday 8am to 6pm and Saturday 9am to 2pm by phone or email. You pay the same premium as buying direct from Sanitas.
Yes. US citizens applying for a Non-Lucrative Visa or Digital Nomad Visa must show private health insurance from an insurer authorised in Spain. It needs no co-payments and, where the consulate asks, no waiting periods. Sanitas Residents Visa meets those points and includes repatriation. You can set it up from the United States, and we arrange the consulate certificate.
Tell us as soon as you have the consulate decision. We can usually cancel the policy and issue a refund of the unused portion of the premium, subject to Sanitas terms. Send the refusal letter and we handle the cancellation.
Tell us the ages of the applicants and the region in Spain and we confirm the figure in writing the same day. The certificate the consulate asks for is issued at the moment of activation, so we time activation to your appointment date.
No. You show your card at Sanitas network centres, with nothing to pay at reception. You pay the provider directly and then claim back the eligible percentage only on the reimbursement route, where a plan has it: Sanitas Mas 90 pays 70% of eligible costs at providers outside the network, and Sanitas Premium 500 reimburses 90%.
Get an instant price, or talk it through with our English-speaking team – we do this every day.
Sanitas is one of Spain's leading private medical insurers, backed by Bupa and trusted by over 3 million members. Its no-co-payment plans are widely accepted across Spanish consulates, and the Residents Visa product is built specifically for applicants arranging cover from abroad – no waiting periods, repatriation, and the certificate the authorities ask for.
We are an authorised Sanitas mediator and our whole team is bilingual English/Spanish. We will make sure the plan and the paperwork match your visa, get your certificate issued quickly, and set your start date around your move.