Golden Visa Health Insurance (Ended April 2025)
Golden Visa health insurance Spain — insurance requirements for Spain’s investor visa program. Note: The Golden Visa program ended in April 2025.
- Spain’s Golden Visa investor program officially ended in April 2025.
- Existing Golden Visa holders keep their status and can renew normally.
- Alternatives for investors: Digital Nomad Visa, Non-Lucrative Visa, or Family Reunification.
- Insurance requirements for existing Golden Visa holders remain the same as other residency visas.
Why Did Spain End the Golden Visa?
Spain’s government ended the Golden Visa program as part of broader housing reform legislation. The program, which allowed non-EU investors to obtain residency through real estate purchases of €500,000 or more, was criticized for contributing to rising property prices in major cities like Madrid, Barcelona, and Malaga.
Spain joins a growing list of EU countries that have restricted or eliminated similar investment-based residency programs in recent years.
Alternative Visa Options for Moving to Spain
If you were considering Spain’s Golden Visa, there are several other visa pathways that still allow you to live in Spain. Each of these requires compliant private health insurance:
Non-Lucrative Visa
Ideal for retirees and those with passive income. Requires proof of financial means (€28,800/year for 2026) and private health insurance. No work permitted.
Digital Nomad Visa
For remote workers employed by companies outside Spain or freelancers with international clients. Requires minimum income of €2,850/month (2026 threshold, subject to change) and health insurance.
Student Visa
For those enrolling in Spanish educational institutions. Requires proof of enrollment, financial means, and comprehensive health insurance coverage.
Health Insurance for Existing Golden Visa Holders
If you currently hold a Golden Visa and need to maintain or renew your health insurance for your residency renewal, you still need a compliant private health insurance policy from a Spanish-authorized provider. The same requirements apply as before:
- Full medical coverage with no co-pays (sin copagos)
- No waiting periods for existing conditions
- Coverage for the full duration of your residency permit
- Issued by a provider authorized to operate in Spain
- Repatriation coverage included
Compare the top providers for visa-compliant coverage:
Compare Adeslas vs Sanitas vs DKV →
Frequently Asked Questions
Can I still apply for a Golden Visa in Spain?
No. As of April 3, 2025, Spain no longer accepts new Golden Visa applications. The program has been permanently discontinued.
What happens to my existing Golden Visa?
If you already have a Golden Visa, your residency rights remain valid through your current permit period. You can still renew your permit if you meet the existing requirements, including maintaining valid health insurance.
What is the best alternative to the Golden Visa?
The Non-Lucrative Visa is the closest alternative for investors and retirees, as it allows you to live in Spain without working. The Digital Nomad Visa is ideal if you work remotely.
Do I still need health insurance for my visa?
Yes. All Spain visa types require compliant private health insurance. See our cost guide for current pricing.
Considering the Non-Lucrative Visa Instead?
With the Golden Visa gone, the Non-Lucrative Visa is now the most popular residency route. Our dedicated NLV guide covers everything you need: Spain Non-Lucrative Visa Guide 2026 — requirements, financial proof, documents checklist, and step-by-step process.
Ready to Get Insured?
Compare quotes from Spain’s top visa-compliant insurers through our vetted broker partners. Free, no-obligation, and tailored to your visa type.
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