Health Insurance for Spanish Visas
Compare four vetted Spanish health insurance partners for the Non-Lucrative, Digital Nomad and Student visas, and request a quote directly from a specialist.
Compare Our 4 Vetted Insurance Partners
Curated by Bruno Bianchi, CEO of Spainguru (225,000+ community members). Each partner is vetted by the Spainguru team.
We earn a commission when you get a quote or a policy through one of the brokers below. Your price never changes and our recommendations are independent. How we choose partners. Ratings from third-party platforms, checked 14 October 2026; scores and review counts may change.
Gidea – Insbrok
Compares DKV, ASISA, Sanitas and Salus for you, with multilingual expert support.
- Compares four carriers for you
- Visa-compliant policies only
- Support in English
Innoinsure
Official DKV and ASISA alliance: direct pricing and fast consulate certificates.
- Certificate in 1–3 working days
- Direct carrier pricing
- Support in English
ASSSA
Insurer with 90+ years covering foreigners in Spain; your premium is locked at joining age.
- Premium locked at joining age
- Flexible on pre-existing conditions
- Native English support
Exclusive DKV Agent
Exclusive DKV agent with an immigration-law background; DKV is backed by Munich Re with 40,000+ medical professionals in Spain.
- Knows the NLV paperwork
- Certificate for the consulate in days
- Support in English
Find your carrier in 3 questions
Based on real 2026 pricing and each carrier’s actual age limits.
Leading Spanish Carriers
Our brokers represent Spain’s premier insurers, so your policy comes from carriers that consulates routinely accept.
Adeslas
#1 market shareThe largest national insurer in Spain, with the widest network of doctors and healthcare facilities.
Adeslas guide →Sanitas (Bupa)
Top choice for expatsPart of the Bupa group, with tech-forward digital services and dedicated English-speaking support.
Sanitas guide →DKV
#1 for preventive careGerman-backed carrier with one of Spain’s largest medical directories and a preventive-wellness focus.
DKV guide →ASISA
Broadest hospital accessMedical-professional-backed cooperative with one of the most comprehensive hospital networks in Spain.
See the comparison →MAPFRE
Trusted overall giantSpain’s largest overall insurer, with residency-compliant plans and strong customer service.
See the comparison →ASSSA
Stable lifetime coverSpecialised for 90+ years in native-language care for foreigners relocating to Spain.
ASSSA guide →Caser
Family plansHelvetia-owned Spanish insurer with strong family plans and broad nationwide reach.
Caser review →Verified Client Success
Experiences shared by Spainguru community members about our insurance partners, including previous services.
“Diana bent over backwards to assist me… She is a gem!”Kerin, USAGidea / Insbrok
“Diana was very helpful in quickly identifying the plan meeting our needs… NLV certificate ready!”Daniel, USAGidea / Insbrok
“I needed health insurance for my digital nomad visa… pricing was reasonable, process stress-free.”Digital Nomad clientInnoinsure
“Ms. Rosa Ruiz responded to all my questions with clarity, patience, and professionalism.”ASSSA clientASSSA
“They assisted us from start to finish with our NLV and TIE renewals. We are very satisfied.”NLV clients, USACABR Relocation Solutions — review of its former Adeslas service; now our DKV partner
“Carlos and his team gave us complete peace of mind… I would highly recommend them.”Moving family, USACABR Relocation Solutions — review of its former Adeslas service; now our DKV partner
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 →Guides by Visa Type
Each Spanish visa has its own health insurance requirements. Choose your visa for a detailed breakdown of what you need.
Non-Lucrative Visa
For retirees and anyone 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 programmes. 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 copayments and comprehensive coverage for your application.
Common Questions
Why do I need health insurance to apply for a Spanish visa?
What are the specific requirements?
Can I use travel insurance for my application?
Which visas require health insurance?
Do I need insurance for family members?
How can I verify if my insurance meets requirements?
What happens if my insurance does not meet the requirements?
Where can I find reliable insurance providers?
What are the top health insurance companies in Spain?
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 →All Health Insurance Guides for Spain
Most Spanish residency visas — the Non-Lucrative, Student and Retirement routes — require a private policy from a Spanish insurer with no copays and full in-country cover from day one; travel and international plans don’t qualify. The Digital Nomad Visa is the exception: it can also be met through Spanish Social Security or a certificate of coverage.
By nationality
US Citizens
Medicare alternatives and consulate requirements
UKUK Citizens
Post-Brexit S1 and GHIC guide
EUEU Citizens
EHIC, Social Security and Convenio Especial
AllAll Foreigners
Requirements by visa and nationality
Costs and comparisons
Health Insurance Cost Guide
Pricing by age and carrier, annual examples, how to save
Cheapest Insurance for Visa
Lowest prices by age bracket
Best Expat Insurance 2026
Top carriers ranked by price, network and flexibility
ASSSA vs Adeslas
Coverage, pricing and age limits compared
DKV vs Sanitas
English support, age limits, pricing
ASSSA vs Sanitas
Pre-existing conditions and age 65+ options
By situation
Healthcare in Spain for Expats
Public vs private, visa requirements, best providers
How to Get Insurance
5 steps from choosing a plan to your certificate
Retirement Insurance
Retirees over 65: age limits, carriers, costs
Over-65 Insurance
Carriers, pricing and the S1 form
Pre-existing Conditions
How carriers handle diabetes, hypertension and more
Autónomos Health Cover
Social Security, private top-up and the €500 deduction
Travel Insurance
Short-term visitor coverage (not valid for residency visas)
Programme ended April 2025Golden Visa Insurance
Requirements of the former investor programme