Private Health Insurance In Spain – For Non Lucrative Visa Application

Health Insurance in Spain for US Citizens and other nationalities who are thinking of applying for the non lucrative visa Spain or the retirement visa Spain, have been asking about the private health insurance Spain.  The popular questions are related to costs, as well as the medical insurance in Spain requirements for the non lucrative visa.  If you are looking for practical information on health insurance in Spain, this is the perfect place for you to start!  It has been a hot topic for us lately and keeping our email inbox buzzing away.

Explaining Medical Insurance in Spain or private Health Insurance Spain costs and options. This is all information to meet the non lucrative visa Spain or retirement visa Spain requirements. Read more about Private medical insurance Spain on

We’ve also received a few questions from expats already living in Spain as well.  After responding to several of the emails, I thought it would just be easier to write up a quick post and let you know all that we know about health insurance for Americans living in Spain.  This may apply to other countries as well, but you will need to check.

Updated: As of July 2019  

Private Health Insurance Spain

Medical Insurance in Spain is one of our most popular posts!  We have updated information below.  It seems many of our clients are now informing us that their consulate is requesting medical insurance with no co-pay and no deductable.  This is currently only the guide at a few of the consulates, so please check with the one aligned to you.  See our recommendations below.

What is the cost health insurance in Spain?

I know it is a huge mental leap for an American to think the cost of Medical Insurance for Spain or Health Insurance, as something you can afford out-of-pocket.  Well, let me just tell you from personal experience, we found health insurance for American expats living in Spain to be very”affordable”.  Of course affordable is a matter of opinion so I will share with you the actual cost of our private medical insurance for our Spanish resident visa, as well as other quotes we have received.  You can be the judge and also ask for your own quotes.

Please do keep in mind this is just something for you to get a feel for the costs, as for each person/family it will vary due to your ages, location, duration of policy and coverage selected.

Medical Insurance Spain
For Non Lucrative Visa Application or other resident visa applications in Spain

(US Citizens or non-EU Citizens)

Medical Insurance Spain and How to Apply for non lucrative visa in Spain US citizens

REQUIREMENT – You need private Spanish Medical Insurance Coverage!

This is true for either the non-lucrative visa in Spain or the retirement visa in Spain.  It is likely required for other Spain visas as well, but these are the two we mainly focus on.  It is possible to purchase the non-lucrative visa health insurance Spain in advance, and we provide you the info we have available.  Keep in mind we are not insurance agents and can’t compare for every option, just those which we know or have experience with private insurance.

Let me start back when we were applying for our non-lucrative visa for Spain (late 2011/early 2012).

When we applied in 2012 the requirement of insurance for Spain visa read:

Info. Proof of medical insurance coverage while in Spain. We do not accept insurance cards. We need a letter from your insurance stating that you will be covered while travelling to Spain. Travel medical insurance with a minimum coverage of 30,000 Euros or its equivalent in US dollars. This should include repatriation (returning a person back to the country of origin).

As of May 2014, it read:

Proof of having international medical insurance while in Spain, with a certified translation into Spanish.

Do keep in mind the requirements for the non lucrative visa often change and can vary between the 12 Spanish Consulates within the United States.  Please do verify your exact requirements with the consulate aligned to your location and determine what is required for your Medical Insurance in Spain.  Sometimes each consulate has slightly different rules.

Time to show you our Research on private medical insurance

Let the research begin.  When still living in the US, we researched many options and found it to be overwhelming.  Many US insurance companies wouldn’t insure us outside of the United States for an extended period of time.  Others wanted a thorough head-to-toe examination and proof that we were over the top healthy.  We received many online quotes from your standard US Insurance companies (Cigna, Aetna, IMG, United, etc.) and many quoted $5000 – $12,000 per year for our family of 4.  What?!  I thought that was crazy and continued to do research.

Medical Insurance How to Apply for non lucrative visa in Spain US citizens or Canadians

What is the difference between Medical Insurance and Travel Insurance?

Depending on the company and policy selected, Travel Insurance typically covers emergency medical procedures.  In addition, they often cover the policyholder for insurable events that may occur before or during travel, such as trip cancellation/interruption, medical expenses for injury or illness, theft of valuables, baggage delay or damage and more.  Many of these companies do not cover you in your home country at all or within a certain radius from your home city.

Depending on the company and policy selected, Health or Medical Insurance usually covers your medical needs preventative as well as injury or illness.  Of course, there are wide ranges of coverage available within this area, with a variety of deductible amounts.  It was difficult to find coverage for Spain as well as the US.

At the time, we decided to opt for high-end Travel insurance from for our coverage.  We weren’t sure if it would be accepted for the application, but it did meet all of the coverage requirements and repatriation too.  In the end, our visa was approved with this coverage in the Summer of 2012.

(As of June 2017 many consulates will no longer accept travel insurance for the visa application. Please check with your consulate or opt for one of the insurance options below)

(Updated: As of July 2019  It seems some of the Spanish Consulates now have a requirement regarding health insurance with state you can not have a co-pay or deductable. This is new and will raise the price of your insurance, compared to the rates we currently have.)

In hindsight, which Medical Coverage would we have chosen?

Oh if only I knew then what I know now!  

How many times has that phrase come to haunt us?

After living in Spain for 1 year, it was time for us to apply for our Spanish resident card renewal.  As part of this process, we needed to again show proof of finances as well as Medical Coverage.  We started to do more research on Spanish Health Insurance for expats and found it to be much more affordable than the US options.  We decided not to renew our Travel Insurance and instead purchase Medical Insurance from one of the Spanish Insurance companies.

Do your research about health insurance in Spain!

Again we reached out to several and received quotes for our family of 4.  To receive a quote for coverage, all they needed was our birth dates and passport numbers (or NIE number).  Of course, you still have the varieties of coverage from your basic coverage to the mac daddy full hospitalization as well as various deductibles, in a network, out of network, etc.

We received price quotes for our family of 4 ranging from €45 – €220 per month ($62 – $300, depending on exchange rate).  If you opt for a quarterly, bi-annual or yearly contract, you may also receive discounts.  I think the Annual contract for full coverage with dental, travel and hospitalization was about €2200 per year (~$3025).  This is a far cry from the prices quoted to us by many of the US companies, and we didn’t need to go to the ends of the earth to prove we were in good health.

What did we choose for our health insurance plan in Spain?

As of 2013, this was our plan – In the end, we selected the basic preventative coverage with Mapfre, which includes travel and dental.  This also covers us for emergency medical around the world, including the US.  We have already used the dental and it is great. In hindsight, I think this was the right option for us at the time.  Our needs will change as we move on to Southeast Asia, so we will again go through an evaluation of our coverage needs for that time period.

Perhaps next year, I think I would prefer a full coverage plan offered with Sanitas Expats (including hospitalization).  I really liked the online service with Sanitas and they have all of their documents in English as well as Spanish.  They do cater more to the expats, but their prices show that.  When they sent us a quote they offered on that was geared more towards expats and had regular coverage in the US as well.  They partner with United Health in the US, so that way we wouldn’t need to worry if we return to the US for a trip.

Updated: As of July 2018 

Upon our return to Spain in 2016 we again researched all of the options and selected DKV Seguros (They do require a Spanish bank account and address.  It may be possible for us to have a Sabadell Bank account opened for you.  contact us for details).  We have full medical, hospitalization, and dental coverage for our family of 4, including 90 days of travel insurance outside of Spain.

It is a network provider system, so as long as we are within the network we have a very low copay.  There are several different levels of coverage you may choose from.  The price for our family of 4 is €347 a quarter (in 2016). (as of April 2019 it is now €385 a quarter, so it has gone up about €13 each year)

With the current exchange rate of $1.14 to €1 that comes out to $395 per quarter or about $1600 for the entire year.  We get all preventative medical and dental (cleaning etc) included once a year.  There is also a smartphone app for providers within the network and much more.  I think we will be very happy with this option and the price is better than our basic travel insurance.

The Spanish Insurance companies we have received quotes from are listed below.  They all have online tools available for you to receive a quote and explain their varieties of coverage for healthcare in Spain.

 Live a Healthy Life!

Health or Medical Insurance How to Apply for non lucrative visa in Spain US citizens

Medical Insurance Companies in Spain for Expats

(US Citizens applying for non lucrative visa in Spain)

 Here are just a few of the companies that we researched and found to meet the non lucrative visa requirements needs as well as our own medical needs.  (We do not partner or receive any compensation for this listing.  This is only based on our research).
  1. Sanitas for Expats – click here for a quote

    This is specifically for expats and will certainly meet the visa requirement needs.  If you are from 65-74, this may be your best option.  Hundreds of our clients have opted for this Spanish health insurance to meet their visa requirements and have continued to stay with them over the years.  Their age limit is a bit higher than the others.

    The office speaks English and caters to the expats.  We have a comparison chart of their various plans on our AlmunecarInfo Site, but it is valid for all of Spain. They have several plan options with various levels of coverages, copays and dedcutables.  By clicking on this link you will be able to make an inquiry and they will help you determine the best insurance package to meet your needs.

    Some American friends of ours, currently in Spain, were specifically seeking out Maternity coverage, and it appears that Sanitas offers good coverage as well. Some friends of ours (US Citizens) in town also use Sanitas.  Much of their site is in English and they offer a live chat, so it is great for asking all types of questions.  We received a “same day” quote for coverage, plus they sent us a detailed list of alternative options.  Great customer service.

    Updated: As of March 2019– Many do like you to have a Spanish bank account for payment.  If you don’t have one, they will likely ask for payment of a full year in advance.

  2. SegurCaixa Adeslas – Medical Insurance for 0-84+ years old!
    There’s even a special package for 70+ years old

    This is the most popular private insurance in Spain and they offer special expat packages as well.  We had a meeting with an agent recently and they have several plans for you to choose from for the entire family.  The even have something specific for customers from 70-84 years old!  In some cases, they may also request permission to obtain insurance for those more than 84 years old as well. Please contact Lorena (she speaks English) and she can provide you with an estimate.  They offer:
    1. Plena Plus – Full Health Insurance
    Completa – Full health insurance with repatriation, which is necessary for the visa to live in Spain
    3.  Senior Health insurance specific to customers from 70 to 84. Also, more than 84, with special permission.

    Contact: Lorena at
    (Let them know Heidi sent you)

    Updated: As of March 2019

  3. Mapfre (This is what we had for our first 2 years.  It was very affordable, but we didn’t use it for anything, so can’t inform you of the claims process or anything)
  4. Catalana Occidente (Of all of the quotes we received, this seemed to be the most expensive for our family, so we didn’t opt for this one.)
  5. DKV Seguros

    Our plan is the DKV Integral Completa, through our local Zurich Agent in Almunecar. I am not sure if you need to reside in Spain to get this or if you can purchase in advance for the visa.  Locally for us, it seems to be the same network of doctors available in the Sanitas plans. They have several plan options with various levels of coverages, copays and dedcutables.  Do your homework. Updated: As of June 2107

  6. Agrupacio 

    Some of our readers, now residing in Spain, recommend this company.  They sent us the information for the company they use.  We have not received a quote from them or used their services.  We just wanted to provide you with other options.  Updated: November 2015

A word of caution with any of the US-based health insurance companies; please read the fine print and be sure they have coverage in Spain.  Ask someone and then ask a second person, just to be sure it will be widely accepted in Spain.  We do know of several families who purchased the expensive US coverage and then once in Spain realized, they weren’t easily covered.  No one knew what the company was and there wasn’t a wide network that would accept it for coverage.  They ended up canceling and switching to a Spanish company and buying Spanish health insurance.

Please do your own research and let us know if you find any other Spain healthcare insurance companies you would recommend.  Just contact us, so we can add them to the list or just enter in the information in the comments below.  We want to be sure that you have enough information to make a decision based on your needs for your expat insurance.

It has been said there is a program to join the Spain healthcare system after living in Spain for 1 year.  We do not have experience with this and cannot advise on using the Spanish healthcare system.

Do you have a Pre-existing condition?

We are not experts in this area, as we didn’t have any pre-existing conditions.  Don’t completely give up hope.  We have heard from some clients and some health insurance carriers, that coverage will vary for a pre-existing condition. You may be able to receive coverage, depending on the condition.  I addition, we have heard there are carriers who will allow a policy, excluding the condition (meaning you are completely covered except for your condition).  Others will not cover you at all.  It depends on the insurance carrier and the flexibility of obtaining travel insurance instead will vary based on which consulate you go to in the US (your aligned consulate is your only choice).

Best of luck with your Spain private health insurance hunt!

Helpful Spanish Vocabulary

  • Doctor in Spanish – Medico
  • I need an appointment – Necesito una cita
  • I have an appointment – Tengo una cita
  • Private – Privado
  • Insurance in Spanish – Seguro
  • Pain – Dolor
  • I hurt or I have pain – Me duele
  • Health or healthy in Spanish – Salud
  • Blood – Sangre

Bonus Information!

With the non lucrative visa, you are required to show proof of Spanish health insurance each time you renew.  After the first year, you may renew 2 times for 2 years each.  That will give you a total of 5 years in Spain.  After that 5 year mark, you apply for the long duration residency.  With that residency, you are automatically allowed to work in Spain and if you work and pay into the social security etc, you will be able to join the Spanish healthcare system.

Other information we have provided regarding “How to Apply for Non Lucrative Visa for Spain as US Citizen or Canadian Citizen” are listed below.

Of course, Alan has written a very thorough e-book, Live in Spain, which walks you, step by step, through the entire process.

Updated: As of July 2018


Live In Spain – Spain Visa Requirements | Driving In Spain | Getting Settled in Spain | Residency/Visa Renewal | Education In Spain | Almuñécar Walking Guides

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I would advise you have a read through our documents first, as many of the frequently asked questions have already been answered.  Just click on the image below.

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66 thoughts on “Private Health Insurance In Spain – For Non Lucrative Visa Application

  1. Hi, Heidi. Thanks for writing at length about this! Folks intending to stay longer often face a big challenge learning about some of the fine (“sticky”) details, and I’m happy you’ve provided some help and resource with your post.

  2. Thanks so much Henry. I hope it helps people some and at least have them thinking to ask more questions. What appears good on paper (internet), isn’t always so when on the ground and in person.

  3. Heidi & Alan, you guys are awesome sauce!!!! Thank you SO much for all the clarification you put into this post (and for the shout-out!). We are learning more and more each day about the ins and outs of the private insurance companies, and your advice has been BEYOND helpful. MUCHÍSIMAS GRACIAS!!!!!

    • De Nada our dear traveling friends Emily and Ryan! It is difficult to navigate the path of Spain (paperwork and fine pring) sometimes, but it is well worth it in the end. When you were asking about it, so were a few other families. So why not write up all that we can? 🙂 I am glad it has helped you and please let us know if you have any other questions. You know we would do anything for you guys.

  4. Hello Heidi! Great info! I am applying for a visa for 14 months for a masters program and it’s been a headache trying to find travel insurance to cover that length since they all go up to 12 months. I want to go with World Nomad since it seems to be accepted by the Spanish consulate but do you have any tips on what I could do? I would appreciate any help! Thank you in advance!

    • Hey Janice. We went the World Nomads route as well. We initially only purchased a 6 month plan to have our visa approved and then you can purchase something local when you are in Spain. That said, each consulate in the USA is a little different on what they accept and what they don’t. Some are more strict on that policy, like San Francisco office, and will require full insurance for the application. It really comes down to your risk of getting approved and getting sick or hurt. The insurance in Spain usually goes by calendar year too. So even though we are currently in Thailand, we can’t cancel until the end of the calendar year, so factor that in based on your arrival as well. Since you are going for education. you may want to look into anything available via your university as well. I hope that helps a little. Feel free to email if you have more questions.

      • Thank you for your reply! I’m going to the Los Angeles consulate and they require travel insurance for my entire stay which will be 14 months. I wish I could just pinky promise them that I will extend the coverage to 14 months before it ends. Ahh!

        • You can buy the local insurance on line and have proof right away. The LA office is a bit better than SF. The travel insurance includes the repatriation and that is what they are really looking for. Check the Sanitas website. They also include that and you can chat live with their consultants to see what coverage you can have. It may be cheaper than World Nomad and better coverage. The do offer special packages that cater to expats too.

  5. Hi Heidi, thanks for all the useful tips and information, it is very helpful. I am currently exploring obtaining the non lucrative visa as well but I have a daughter in 9th grade and wondering what you did for school for your kids. I am trying not to go the private school route because I want her to soak up the culture. Any advice you have regarding school will be highly appreciated.

    • Hi Anne, we have loads of info on the blog. Over on the right of the home page you can select the category of “education”. I am going to call out a few specific things here for you too. The kids attended Spanish public school, the best way to learn quickly and well.

      1 Year Attending School In Spain – What We Didn’t Tell You

      Learning Spanish – The Tools We Use

      Their Spanish progression is documented as well. I would say they could understand things better after about 6 weeks and were pretty good with Spanish by Christmas… then it improved really rapidly each month. They were confident and fluent by Feb/March. We video interviewed them every few months and kept a journal so they could see their progress. I highly recommend that. You know it doesn’t feel like you are making progress until you look back and see how far you came. After living in Spain for a month, we showed them their interview before leaving NC. They were embarrassed by the couple of Spanish words they knew.

      Here is their interview playlist on Youtube.

      • Dear Heidi,

        Thank you so much for the information, it is very very useful. My daughter is in the 9th grade and currently taking Spanish and she is enjoying it very much. I am looking to buy rosseta stone and hope to learn using it. We are planning to be in Spain August of next year before school starts, so we are trying to get all the information that will help us with the transition.
        Thank so much for what you are doing, it is really awesome. I am sure I will be taking to you soon.

  6. This is a great post! My family is moving to Spain in August 2015. We need to buy traveler’s insurance with repatriation coverage before our meeting at the Chicago Spanish consulate in May. We currently have a Blue Cross Blue Shield International plan and we’re paying $584/month. So with that coverage we don’t need anything but the Repatriation coverage, however it seems like so many traveler’s insurance plans (even the basic) have more coverage than we need.

    Heidi, would you recommend that we purchase the World Nomad Explorer plan (has the most coverage) for $3,332.50 and then just drop our BCBS insurance once we get to Spain? Is this Explorer plan enough coverage? We are healthy and young so I we shouldn’t have much need to go to the doctor except for regular checkups/illness.
    This would save us thousands of dollars if you think it is good enough!

    Thanks so much for your thoughts! Jenny

    • Hi Jenny,

      Oh you do have options and decisions, just look through everything carefully. We applied for our visa with the World Nomads Explorer plan and all went well. I would recommend you check out the Sanitas link in the blog post, as they have and expat plan too. They have someone you can chat with live to help pick the best plan for you. Perhaps you can just use this without the expense of the travel insurance? I would suggest you go through the “get a quote” process and tell them exactly what you need. Our friends used this coverage to apply for their visa and they still use it, after living in Spain a few yrs.

      • Also, the travelers insurance is a bit cheaper to buy 6 months at a time. That said they may not approve the visa if you only have 6 months showing. Tricky. I think we just purchased 6 months, but it may have been a fluke they overlooked for our approval. Once you pay for the travel insurance you only have a limited time to cancel and get $ back, so once you pay for a year, it is yours to keep. I would say that BCBS wouldn’t be of much use in Spain. There are even more companies beyond what I have listed. It may be time to add to this post soon, with updated info. We will be returning to Spain in June and will be going through the insurance hunt process again. We are currently traveling around SEA and using World Nomads.

  7. Hi everybody ,
    First of all ,ı would like to thank you for all these informations you shared with people .
    ı have a sister who is american citizen living in usa and suffering from her breast cancer .She is folowing the treatment like 2 years but still not feeling well with chemiotherapia .she is getting help from an organization for her health care expenses .
    Actually ,she decided to move to her origin country Morocco wich is close to spain .so ,ı have some questions about wich health insurance she can get there and wich solution can be suitable for her .are there some organizations can offer services to expacts patients .
    She can apply for residency too in spain .
    Thanks in advance for your advices,

  8. Thanks for your informative info on getting a non-lucrative visa to live in Spain. I just finished my first renewal (second year here in Spain) and not surprisingly encountered difficulties with both. Relevant to your post on medical insurance, I was told by two workers at the Oficina de Extraneria and then in writing that the Insubuy policy that worked last year was considered travel insurance. Insubuy said their policy qualified, but no matter if govt doesn’t think so. I found a policy through a local “seguros” company with English speaking agent. I got Plus Ultra for about 80 Euros a month. I am 58. As for other visa requirements, especially the first, they vary depending on which consulate in the US you apply, even different in LA vs San Francisco. I will be blogging about this complicated issue soon.

    • Awesome Dawn, thanks for the additional info.

      Our first application for the visa was via the DC office and they approved us with only travel insurance. Upon our 1 yr renewal, they wouldn’t accept the travel insurance and that is when we chose Mapfre. Now we have a better plan with DKV and so far so good. We just turned in our papers for our second renewal for years 3-5. Fingers crossed it is all good. Yes each consulate varies and Alan has that detailed in his ebook Live in Spain as well.

      Where are you located in Spain?

  9. My husband and I live in Dubai (American citizens). Do we have to return to the US to apply for a long term visa – non lucrative or retirement?

    • You will need to apply in your country of legal residence. If you have legal residence in Dubai, then you should be able to apply from there. You may need an additional document which shows you’re legally residing in Dubai, but the application process should be the same. I would contact the local Consulate though for any special details.

      Also, you need a criminal background check in every country where you’ve established residence going back 5 years. I don’t know what organization does that in Dubai, but the Consulate or Google should be able to help you out.

      We can help you through the process via our consulting. If you check out the Live In Spain web page, there are details on purchasing the book and/or consulting time.

      Good luck!

  10. We are currently moving to Spain and just found your site while checking for health insurance. Like you, we settled on DKV. We will be relocating the first week in Sept to the Costa Blanca and will be happy to help if anyone has questions. We don’t have our Spanish visa yet but we know it’s been approved and are just waiting for notification that it is ready.

    • Oh congrats. Sorry I didn’t see this comment, as it went to the spam folder for some reason. We are very excited for you and Costa Blanca is a wonderful place to be. In fact we will be there in a few days, on our way back to Almunecar. We are just finishing up our 8 week road trip.

  11. I’ve just returned from the immigration office in Malaga, I am retired and 65 years old. I have received my residency card last year in August and since I’ve Medicare part A and B along with plan F supplement which to cover me outside of USA but still the immigration insists that I need to obtain an insurance in Spain. Do you have any solution to my case?

    • I would suggest you check with your local insurance agencies for minimal coverage, including repatriation. We use DKV and find it very affordable for a family of 4 it is just 350 euros a quarter, so for 1 person it should be much less. There are also several companies online as well. I think we listed a few in the post, so you can get instant quotes.

  12. Very informative! Since this is somewhat of a chicken-and-egg situation like with housing, but what do you recommend we do since we do not yet know our travel dates? Do we first purchase a health insurance plan for our VISA applications and later have it changed once our travel dates are known?

    • Yes it is. I will just tell you what we did and then you can decide what you would like to do. We started with travel insurance through World Nomads for our application and then once we moved here and had our resident card bought Spanish medical insurance. The travel insurance allowed us to be flexible with the dates. We just bought a policy with a random future departure date. It was flexible for us to change that date if we wanted (at least it used to be. check current rules)

      • Unfortunately for us, we’ll be visiting the San Francisco consulate, so I may have to play it safe and purchase a Spanish health plan first.

        • Nick, what did you end up doing? My husband and I also have to go through San Francisco. We were going to try Insubuy, as recommended by DawnStarr.

  13. Great info, Heidi, thanks for posting it. I am looking for insurance that offers worldwide coverage. We are nomads and don’t know how long we’ll be in Spain, so being able to carry our coverage somewhere else would be a great option. It looks like Sanitas Mundi has that? Do you know off-hand which of the main insurance companies you researched (Sanitas, DKV, Mapfre) have that type of coverage?

    • Hey Gonzalo, I don’t recall and really you need to read the fine print. Many of them include travel insurance worldwide, but there is a limit to the amount of time. I know the plan we have with DKV has 30 days travel insurance. So look into that. I would recommend chatting with each company and have them tell you. It will save loads of time that way.

      When we travel and when we spent a year being nomadic, we purchased World Nomads travel insurance. Have you checked out that option. I am not sure I would buy insurance in Spain unless you are going to be here long-term. Many of the policies run for a calendar year, so you can only cancel at the end of the year and usually with 2 months notice. They are tricky that way.

  14. Good morning, Heidi,

    Your web site is wonderfully helpful. Most informative and entertaining as well. Your hard work is much appreciated. Thank you for sharing so much.

    We have an interest in the Residence Visa for Non-Lucrative Purposes for Spain. We have lived in and visited many countries and Spain comes highly recommended.

    I have been finding a serious obstacle for many places in the world, however: Age. After a certain age (which varies), private medical insurance is more or less impossible to get. We are 69 and would not be going anywhere until after we are 70. This is a little strange since several countries are actively trying to recruit foreigners to move there to retire and bring their assets and retirement income with them.

    Obviously, your family does not have this problem. However, by chance do you know if there is at least one medical insurance company with coverage in Spain with no upper age limit? I suspect that this subject comes up from time to time. Naturally, I expect to pay more than all the young expats.



  15. Hi Heidi, I am 70 years old and in the process of getting a non-lucrative visa (for 1 yr) for Spain. I am going solo and am having a really difficult time getting health insurance plus repatriation (LA Spanish consulate requirement). I am turning to you for help! Here are the problems. The premiums are sky high (Cigna quoted 4,128 euros (annual) and Sanitas, 1704e). In addition, some companies do not ensure older people like me!
    Can you advise me what to do? Really appreciate it. Thank you. Norma

    • Hi Norma,

      Yes it is a requirement for sure, but I am not sure about limitations due to age. I do know that the US type companies tend to be much higher with their premiums, like Cigna. Many of the local Spanish insurace is available and inexpensive, but you need to NIE number (visa approved) to get it. I would suggest you continue to look around. We purchased travel insurance for our approval, but I am not certain they will still accept that.

      Are you planning a scoping trip to Spain? Do you already have a Spanish bank account? You can often get insurance through the Spanish banks too.

      I will send you an email address for our local insurance Agent with DKV, perhaps he can help you in some way?

      • Hi Heidi,
        Thank you so much for replying immediately.

        No, I am not going on a scoping trip bcz I have been to Spain several times in the past four years for a month or two at a time for Spanish immersion classes. This time though I’d like to stay for a year so I can speak Spanish better.

        No, I do not have a bank account yet. But I plan to open one when I get there.

        I would appreciate the email address of your agent. Am sure the agent will have other options.

        Thanks again, Heidi and thanks for your very informative blog!


  16. I looked at the websites for Mapfre, Catalana O, and Agrupacio. No English option. Do you know if they have English speaking reps, or must you be prepared to deal with them in Spanish.

    • Many you need to work with them in Spanish. You can use google translate or chrome to translate their web page, but it isn’t always an exat translation. For us, anything to do with insurance or finances, we prefer to have English Available. We do have DKV and our local agent speaks some English. The SanitasExpats option caters to expats, thus speaks perfect English. Sometimes their prices are a bit higher, but if it makes it easier in the long run it is worth it.

  17. Hey guys, thank you for this article. Very useful in deed.

    Guys I just subscribed to DKV Seguros. However, there seems to be an issue with the anual contract. Supposedly, all medical insurance companies, even if you sign for an anual contract, the end of the contract will be in the 31st of December, or what they call “Año Natural”. Therefore, if I subscribe now, it will not end on June next year, but rather the 31st of December this year. Will this be still valid for a non lucrative visa? According the the Spanish consulate in Argentina, it should be a full year coverage. However, the guy who interviewed us might have it wrong.

    Please let me know what you think?

    Thank you in advance!

    • Most insurance runs the calendar year. Typically in the terms and conditions of your contract, it will state your insurance will automatically renew. Just as ours does and for our renewal, we need to also include a letter stating we promise to renew a the end of the term and we also have a letter from our DKV agent stating that renewal is automatic as per the contract. So you may want to work with your agent to ensure you have it all in writing and make your promise that you will allow it to renew. Even if you cancel mid year, you need to pay through the end of the year. I hope that helps.

  18. Hi, my husband and I are moving from the USA to Valencia Spain in about two months and we want to become permanent residents. We purchased our flat in Valencia two years ago and have a bank account there. We are 64 and 68. I went through the process of applying for Sanitas Mas Salud, but my husband was turned down for insurance due to his pre-conditions. Have you any suggestions for an insurance that might be more likely to cover older ex-pats? Thank goodness for your website!

    • Oh you are so sweet. It sounds like you have some great plans Susan. I see you tried Sanitas Mas Salud, but did you try a different plan with Sanitas Expats? They have the highest age limit, that I know of. That said, you are both under 70, so you should be good with most of them. Unfortunately we aren’t insurance agents and can only share with you what we know from our experience or our friends. Please let us know if there is anything else we can help with. We are currently offering a quick 15 min skype call for $20

  19. Hi Heidi –
    My husband and I are preparing to move to Spain for the year. For our visa, we are using our current, U.S. coverage, but we plan to use a Spanish company for the coming year. I’ve gotten quotes from Sanitas and DKV. DKV is much cheaper! I was hoping, though, I could get your thoughts on how your coverage has been and which plan you are using. What has your experience with DKV been like this year?
    We’re expecting next year, so I really want to make sure I find something that isn’t going to be hard to use.

    • We are currently using DKV and it is almost the same network of healthcare providers as Sanitas, at least in our area. It may depend on where you live. We are happy with our current coverage and have used for small things.

      Did you get a quote from Sanitas or Sanitas Expats? They are different and have different levels of coverage.

  20. One thing that’s worth noting, not for the initial visa but once you’ve been in Spain for a year, is that they do allow foreigners living on the non-lucrative visa to join the national health care plan.

    It’s called the “convenio especial” and it’s terrific rates- just 60 euros a month for people under age 65, and 157 euros a month for people 65 and older.

    There’s no exclusions for pre-existing conditions, too, so it’s a great coverage that way.

    It does not include prescriptions, medical devices, or prosthetics, so there are some things you have to pay for yourself, but all in all it’s so inexpensive compared with US prices that it’s a great deal.

    Unfortunately you can’t do it the first year, so it’s no good for that visa application, but it’s a good deal otherwise. Nearly all of the autonomous communities have this plan available.

    CAB has info:

    • Thanks Paul, did you sign up for it? We looked into it, but didn’t make the move. As part of the non-lucrative visa renewal you still need to show proof of insurance. did you find the CAB was acceptable for the renewal?

  21. We did. D is on the convenio especial- it makes more sense for her to try it because she’s fluent.

    Our daughter and I stuck with DKV for a reimbursement type (if out of network, like our pediatrician) policy. For me, the privado docs and clinics seem to have more English-speaking options.

    The signup was relatively easy, just an office of the Generalitat, drop off a very short application form and a separate form to set up direct billing from the bank account.

    Processing took a little over a week and now she has her SIP and is entitled to use all the national health plan clinics and such! I’ll try and update to let you know how she likes the plan.

    For the non-lucrative renewal, DKV did a little letter/certificate (with a big ink stamp from the office, of course- man, Spaniards LOVE the stamps!) and then the paperwork from the convenio especial has a little two-pager that served as the proof of insurance, and that was it.

    We don’t know if it worked yet, we only did the renewal a few days ago… crossing fingers and toes. 🙂

    It’s a little funny; for the original application, my Blue Cross federal retiree plan was sufficient; but for the renewal, the paperwork specifically says that it’s supposed to be a health plan that’s licensed to operate in Spain, and BC isn’t.

    All year we’ve just kept our facturas and then scanned/submitted them and gotten reimbursed without too much problem. Thing is, switching to all Spanish plans, we save a gob of money compared with the US plan, even though I only pay a portion of it (my former employer picks up a share of the premium)!

    • Oh that’s great. We are all still on DKV as it is so inexpensive and we are doing braces and such. Easier for us all to be together. That said, maybe next time we will make a switch. it is too late to do it now, as our insurance is by the calendar year, so you need to give a couple of months notice to cancel.

  22. Hi Heidi (and everyone else) – our family is planning on moving at the end of August to Spain from Denver for a school year. Currently, I am struggling with the following paradox and I hope someone can help! The visa application at our consulate in LA states they will NOT accept travel insurance. However, when I reach out to Spanish medical insurance companies they tell me that there is no coverage for hospitalization (the one thing I want to make sure we HAVE coverage for) for 10 months after your policy starts. Since we are only planning on staying for a school year (10 months) that would mean we either have to: buy a travel plan AND a Spanish plan, start paying for a Spanish plan 10 months before we go to Spain, or have no hospital coverage while we are there. Anyone else run into this Catch 22 and found a good solution? Thanks!

    • Yes it can be. I would be sure to get various quotes and the waiting period can be different per illness as well. It may not be as general of “hospitalization”. I know our Spanish health insurance includes a set amount of travel insurance as well. I would inquire a little deeper and ask around. I know that doesn’t help much but even the insurance in the US has various waiting periods. Perhaps you would feel comfortable with a couple months of travel insurance, if you keep getting the same reply. We of course did travel insurance the complete first year, but still had the waiting period when we switched over to the Spanish insurance. Luckily it was a non issue, as nothing went wrong. I know this doesn’t seem too helpful, so I apologize. I would keep asking the various Spanish health insurance companies. They are far more affordable than the US.

  23. Hi! Im from Argentina and Im finishing my paperwork for this visa. I contacted Mapfre but they told me they dont have any plans for this VISA, that I need a NIE to request a plan. How did you go obtaining their approval? Did you have the NIE already? Thanks!

    • We purchased Mapfre once we were in Spain with an NIE. Some of the other options do allow you to purchase with your passport number only, like Sanitas and DKV.

  24. Hi Heidi, as 2 expats from the US over 65 our DKV Integral plan costs less per year than it would cost to join the national health care plan. And we agree that the coverage is great!

    • Hey Robin, Thanks so much for this info. It is great to hear from others. There are so many plans to choose from, even within on provider, so it is great you found what works for you. It is amazing how affordable it can be compared to the rates in the USA or in your case even the national health care plan.

  25. I’m also looking into this now and struggling with the same issue. I got interested in Sanitas but then again there’s an 8 month (I think) waiting period. What was your solution?

    • Most of the insurance options have a waiting period from 1 month – 8 months for various things. Like giving birth to a child is likely the 8 month waiting. It is the same in the US, they don’t want you to buy insurance and then use it right away. Check with the various agencies to see the wait period you are interested in.

  26. I tried to sign up with Agrupacio but after going to their office and filling out all the paperwork they came back and told me the only form of payment they will accept is direct debit from a Spanish bank account with my name listed as the account holder. Sigh.

    (They quoted me €538 for one person for one year including an annual payment discount, originally they tried to force me to add a dental policy on top of that but I was able to negotiate out of that.)

  27. Hi Heidi, I found that your information about health insurance for Spain was very helpful. I got in touch with Lorena from Adeslas. I included my email to her that Heidi sent me. She has been helpful and has gotten back to me promptly with answers to most of my questions. By any chance do you know how long the process takes from policy to documents and when you wire money to them? Also, are the documents sent PDF or in the mail? I am getting down to the wire for when we fly to San Francisco for our appointment. These are the questions that she has not answered. Thank you for any kind of help.

    • Hi Linda, Great. When is your appointment?
      I will give her a call tomorrow and follow up for you. I have your email in this comment, so I will likely reply to you with an email. 🙂

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