🛡️ Do You Need Health Insurance for Spain’s Digital Nomad Visa?
Yes. One of the non-negotiable requirements for Spain’s Digital Nomad Visa is that you carry private health insurance with full coverage in Spain, valid for the entire duration of your stay.
This guide explains exactly what’s required — and how to avoid the common mistakes that lead to visa rejections.
📋 Health Insurance Requirements for the Visa
Your insurance must:
✅ Be private (not public or travel insurance)
✅ Cover 100% of medical care (general + specialized)
✅ Have no co-payments (sin copago)
✅ Be valid nationwide in Spain
✅ Be active for at least 1 year
✅ Be from an approved insurer in Spain or the EU
❌ Travel insurance is not accepted
❌ Plans with co-pays or deductibles are rejected
💶 How Much Does Health Insurance Cost?
| Age Group | Monthly Premium (€) |
|---|---|
| Under 35 | €50–€70 |
| 35 to 50 | €70–€90 |
| 50 to 65 | €90–€120 |
| Families | €130–€250+ |
Prices vary depending on:
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Age
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Medical history
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Region of residence
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Optional dental or vision add-ons
🏥 What’s Covered?
Approved policies usually include:
| Covered Services | Included? |
|---|---|
| General practitioners | ✅ Yes |
| Specialists (e.g. dermatology, cardiology) | ✅ Yes |
| Hospitalization | ✅ Yes |
| Emergency services | ✅ Yes |
| Surgery | ✅ Yes |
| Diagnostic tests (X-rays, bloodwork) | ✅ Yes |
| Mental health | ✅ Yes |
| Maternity care | ✅ Often (check policy) |
| Dental & vision | ❌ Optional add-on |
🏢 Top Insurance Providers for Digital Nomads in Spain
Here are some immigration-compliant insurers used by expats and visa applicants:
| Provider | Notes |
|---|---|
| Asisa | Widely accepted by consulates; affordable plans |
| Adeslas | One of the largest in Spain; no copay options |
| DKV Seguros | Known for expat-friendly plans |
| Sanitas | International coverage options; premium pricing |
| AXA Spain | Broad hospital network; customizable plans |
🔎 Always choose the “sin copago” (no co-pay) plan.
📝 When to Buy Insurance?
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If applying from abroad: buy the policy before your consulate appointment
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If applying from within Spain: policy must start before submitting your online application
💡 Many providers allow flexible start dates and money-back guarantees if the visa is rejected.
🚫 Common Mistakes to Avoid
🚫 Submitting travel insurance instead of private medical
🚫 Buying a policy with co-pays or deductibles
🚫 Choosing a plan that doesn’t cover mental health or hospitalization
🚫 Submitting a non-translated policy if required by the consulate
🚫 Buying a policy valid for less than 1 year
🧾 What Documents to Submit?
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Policy certificate (Certificado de Seguro)
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Coverage details (translated if needed)
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Proof that it is:
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Private
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No co-pay
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Valid for entire visa period
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Covers Spain entirely
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📄 Spanish immigration prefers a simple certificate explicitly stating compliance with visa requirements.
👨👩👧 Insurance for Spouses & Children
If you are applying as a family:
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You must purchase separate insurance for each family member
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All policies must meet the same requirements
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Family plans are available and often more cost-effective
⚖️ How Borderless Lawyers Can Help
We work with top immigration-approved insurers and can:
✅ Recommend the best approved policy for your age and region
✅ Review your quote for compliance
✅ Help with policy documentation for visa submission
✅ Coordinate refunds if the visa is denied
✅ Assist with family policies and bundled offers
🎯 Avoid visa delays due to incorrect insurance — we handle the details for you.
📣 Ready to Secure the Right Insurance?
Get peace of mind and visa approval with a plan that meets every Spanish immigration rule.
👉 Contact Borderless Lawyers for a free review of your health insurance options for Spain’s Digital Nomad Visa.