Health Insurance for Spanish Visas
Expert guidance to secure the exact insurance coverage required for your Spanish Residency.
Find your carrier in 3 questions
Based on real 2026 pricing and each carrier’s actual age limits.
Our Vetted Broker Network
Curated by Bruno Bianchi, founder of SpainGuru (150,000+ members). Each broker is vetted through thousands of real visa applications from our community.
We earn a commission when you get a quote through our partners, at no extra cost to you. Our editorial recommendations are independent. Learn more
Gidea – Insbrok
Leading market comparison across DKV, ASISA, Sanitas, and Salus. Unbiased selection with multilingual expert support.
Innoinsure
Official alliance for DKV and ASISA. Eliminates middleman fees for lower pricing and 1–3 day certificates.
ASSSA
90+ years experience. Guaranteed Lifetime Stability with unique joining-age premium locking.
Exclusive DKV Agent
Exclusive agent with Immigration Law background. Backed by Munich Re — over 40,000 medical professionals across Spain.
Leading Spanish Carriers
Our brokers represent Spain’s premier insurers, ensuring your policy is backed by industry giants recognized by all consulates.
Adeslas
The largest national insurance provider in Spain with the widest network of doctors and healthcare facilities.
#1 Market ShareSanitas (Bupa)
Part of the Bupa international group, offering tech-forward digital services and dedicated English-speaking support.
Top Choice for ExpatsDKV
Germany-backed carrier with Spain’s largest medical directory known for preventative wellness focus and high digital satisfaction ratings.
#1 for Preventive CareASISA
Medical-professional backed cooperative with one of the most comprehensive hospital networks in Spain.
Broadest Hospital AccessMAPFRE
Spain’s largest overall insurer, offering specialized residency-compliant plans with exceptional customer service.
Trusted Overall GiantASSSA
Specialized for 90+ years in native-language care for foreigners relocating to Spain.
Stable Lifetime CoverCaser
Helvetia-owned Spanish insurer with strong family plans and broad nationwide reach.
Family PlansVerified Client Success
Not Sure Which Carrier to Choose?
Compare Adeslas, Sanitas, and DKV side-by-side — pricing, coverage, English support, and visa compliance.
Read the Full Comparison →Travel & Nomad Coverage
Not for Spanish visa applications. SafetyWing is flexible travel medical insurance for EU citizens already in Spain, tourists and nomads on short stays. It does not meet the requirements for the NLV, Digital Nomad, Student or any Spanish residency visa — for those you need a Spanish private policy with no copay from a vetted broker above.
Get a SafetyWing quote →Affiliate link — we earn a commission at no extra cost to you.
Guides by Visa Type
Each Spanish visa has unique health insurance requirements. Choose your visa type for a detailed breakdown of what you need.
Non-Lucrative Visa
For retirees and those living in Spain without working. Full private coverage with zero copays is typically required by most consulates.
Read the 2026 Guide →Digital Nomad Visa
For remote workers earning €2,850+/month. You will generally need to prove private health coverage for the full stay.
Read the 2026 Guide →Student Visa
For students enrolled in Spanish programs. Most consulates require no copays, no waiting periods, and nationwide coverage.
Read the 2026 Guide →Essential Video Guide
Watch to understand the 2026 requirements for zero co-payments and comprehensive coverage for your application.
Common Questions
Carrier Guides
In-depth reviews of Spain’s top health insurance carriers for visa applicants.
Adeslas
Largest network in Spain. 44,000+ providers. Best price under 50.
Read Guide →Sanitas
Bupa-backed. Best app and English support. Confirm entry age per policy.
Read Guide →DKV
German-backed. 42,000 providers. Maximum contracting age 75 for DKV Integral.
Read Guide →ASSSA
Expat specialist. Premiums locked at joining age. Native English support.
Read Guide →Health Insurance for Spanish Residency
If you’re applying for a non-lucrative, digital nomad, student or retirement visa, private health insurance is usually required — though for the Digital Nomad Visa it can also be met through Spanish Social Security or a certificate of coverage. When you need a private policy, it must come from a Spanish carrier, cover you from day one with no co-pays, and meet consulate-specific requirements — travel or international plans don’t qualify.
Guides by Nationality
Country-specific guides for moving to Spain
Resource Guides
Healthcare in Spain for Expats
Complete guide to Spain’s healthcare system. Public vs private, visa requirements, and the best providers.
Health Insurance Cost Guide
Detailed pricing by age and carrier. Annual cost examples, international comparisons, and money-saving tips.
ASSSA vs Adeslas Comparison
Head-to-head comparison of the two best health insurers for expats in Spain. Coverage, pricing, and age limits.
Retirement Health Insurance Spain
Complete guide for retirees over 65. Age limits, carrier options, costs, and how to secure coverage before your visa.
Golden Visa (program ended April 2025) Health Insurance
Health insurance requirements for Spain’s Golden Visa (program ended April 2025) investor program. Coverage options and application guidance.
More Guides
Over 65 Insurance
Carriers, pricing & S1 form guide for older applicants
DKV vs Sanitas
Side-by-side: English support, age limits, pricing.
ASSSA vs Sanitas
Pre-existing conditions, age 65+ options compared.
Autónomos Health Cover
Social Security + private insurance + 500€ tax deduction.
Best Expat Insurance 2026
Top 4 carriers ranked by price, network & flexibility
How to Get Insurance
5-step guide from choosing to getting your certificate
Pre-existing Conditions
How carriers handle diabetes, hypertension & more
Cheapest Insurance for Visa
Lowest prices by age bracket & how to save
Understand your options
Choosing a visa-compliant policy means matching the right Spanish insurer to your visa type, age and health history. Here are the key questions we help applicants answer.
Private Health Insurance in Spain: What Your Visa Requires
Every Spanish residency visa requires a private policy from a Spanish insurer with zero copays and full in-country coverage — public or international travel plans won’t qualify. We break down which providers meet the standard and what you’ll actually pay.
Read the full private health insurance in Spain guide →Non-Lucrative Visa (NLV) Health Insurance
For the NLV, consulates expect fully comprehensive private cover with no co-payment and no waiting period, valid from day one. Our guide covers the exact requirements, recommended carriers and how to get a compliant certificate.
Read the NLV health insurance guide →Expat Health Insurance in Spain
Moving to Spain long-term means a resident policy, not a travel plan. We compare the carriers expats actually use — for network size, English-speaking support and price.
Compare expat health insurance options →Private Health Insurance in Spain with Pre-Existing Conditions
Diabetes, hypertension and other pre-existing conditions don’t have to block your visa — but carriers handle them very differently. Learn which insurers cover them and how to avoid waiting-period surprises.
See pre-existing conditions coverage →Spanish Health Insurance for Your Visa
Whatever visa you’re applying for — Non-Lucrative, Digital Nomad or Student — the health-coverage rules differ: the NLV (and usually the Student visa) require full private cover with no copay, while the Digital Nomad Visa can often be met through Spanish Social Security or a certificate of coverage. Pick your visa type for the exact requirements.