Health Insurance for Spain Non-Lucrative Visa: What Immigration Demands

The Non-Lucrative Visa is designed for non-EU citizens who wish to live in Spain without working. Since you do not contribute to the Spanish Social Security system, immigration law requires you to prove you have sufficient financial resources and a private health insurance for expats in Spain contracted with an authorized insurer.

The objective is to avoid foreign residents becoming a financial burden on Spain's public healthcare. Therefore, your private health insurance must offer coverage equivalent to the Spanish National Health System.

Key Health Insurance Criteria for NLV

• ✓Authorized insurer in Spain: The insurer must be registered with the Spanish DGSFP (like Sanitas or Adeslas). Travel insurance or policies not registered in Spain are not accepted.
• ✓No copays or deductibles: You must not pay anything out-of-pocket for medical visits.
• ✓No waiting periods: Everything must be active from day one.
• ✓Annual single premium payment: Consulates require proof that the policy is fully paid upfront for the year of coverage.