Spain's Non-Lucrative Visa · Sanitas

Sanitas health insurance for Spain's Non-Lucrative Visa

Spain's Non-Lucrative Visa requires health cover arranged for that purpose. Sanitas issues two visa policies for it. We arrange them — and we make sure you understand what you are signing before you do.

Two Sanitas visa policies, both with no copayments — and no waiting periods at all on Residents Visado
Applications and renewals, from first question through to your certificate
Straight answers on age and medical history, including when the answer is no

Get your personalised quote → Talk to an adviser →

Compare the two Sanitas visa policies Check age and eligibility Plan your policy start date

Sanitas Visa Health Insurance

Two visa policies, and what separates them

Sanitas issues a visa version of each of its Residents policies. Which of them are open to you is decided by your age on the intended policy start date; choosing between the ones that are open turns on where you expect to use the cover.

Visa Policy

Sanitas Residents

Visado version

Private healthcare through the Sanitas contracted network in Spain, with no copayments and no waiting periods, and repatriation cover included. The wider age range of the two.

Open to applicants up to age 75 on the policy start date.

Explore Residents Visado →

Visa Policy · Enhanced

Sanitas Residents Platinum

Visado version

The same Spanish network — also with no copayments, and no waiting periods on the core health-insurance cover — plus a second route: a worldwide network of participating centres, used with prior authorisation. A narrower entry-age window.

Open to applicants up to age 64 on the policy start date.

Explore Residents Platinum →

Age settles which are available. Use settles the rest.

Compare the two options →

Specialist Help

The questions that actually decide an application

Start Here

Sanitas NLV health insurance, explained properly

What the two visa policies are, what to settle before you apply, how a joint application is built, and where to go for age, cost, start dates and certificates.

Read the guide →

The Process

From enquiry to certificate

Tell us about your application

Dates of birth, the start date you have in mind, and where you are in the NLV process. No medical questions at this stage.

Receive a personalised quote

An adviser confirms which policies are open to each person and prepares a quote for the ones that are, subject to eligibility and underwriting.

Apply and complete the health questions

Completed in the insurer's own secure process. How to apply.

Pay and receive your documents

Cover begins once the first premium is paid. Ask us to check your documents with you before you submit them. What you'll be asked for.

Start with a quote →

Why a Specialist

One insurer. One visa.

We arrange Sanitas health insurance for Spain's Non-Lucrative Visa, and nothing else. A narrow remit means the awkward questions get proper answers instead of general ones.

Which policies are open to each applicant, and when a Sanitas route may not be available at all
How a couple or family application is built when ages fall either side of a limit
Which start dates create problems with an application timeline
What your documentation should show, checked with you before you submit it
How corrections and policy administration are handled after purchase

Exclusive Insurance Agentof Sanitas, S.A. de Seguros
DGSFP registeredC0320Y2155969D
Sanitas International Expertrecognised

Get Started

Get your personalised Sanitas NLV quote

One short form covers both policies. An adviser confirms which are open to each person and prepares a personalised quote for your circumstances and your intended start date. Free, no obligation, and no medical details asked for in the form.

Get your personalised quote → ☎ +34 868 290 730 WhatsApp

Prefer to talk it through first? Phone and WhatsApp reach the same advisers.

Common Questions

NLV insurance, answered

Is Sanitas accepted for the Non-Lucrative Visa?

There is no universal yes to this. It depends on which product you take, what its documentation says, and the current checklist published by the consulate handling your application. Sanitas issues visa versions of its Residents policies for residence-visa applications, but we make no claim that either product satisfies any particular consulate's requirements — that is decided by the body that sets them. Work from your consulate's current checklist, and take independent immigration advice where you need it. Ask us to help you check the insurance documentation before you submit.

Are there copayments or waiting periods?

Neither, on either Visado product. No copayments — sin copagos: you do not pay a separate per-use copayment when you use covered services under the policy. No waiting periods — sin carencias: on Residents Visado the General Conditions state that the policy's coverages are available from the effective date of the contract. Residents Platinum Visado has no waiting periods on its core health-insurance cover. The full explanation. No-copayment does not mean every treatment or expense is covered — it means no per-use charge for services that are covered under the policy's terms. No copayments, explained.

Which of the two policies will I be offered?

Both, where both are open to you. Your age on the intended start date decides which are available; beyond that the choice is yours, and an adviser will set out what each one covers rather than pick for you. See them compared.

Can I arrange the policy before I move to Spain?

Yes — cover can be arranged in advance. What matters is choosing a start date that works with your application timeline, and knowing that cover does not begin until the first premium is paid. Choosing a start date.

We're applying as a couple — how is each applicant handled?

Each applicant's age is assessed individually on the intended start date, so in a couple either side of an age limit one of you may be inside a policy's range and the other not. Worth raising before quoting, because it shapes how the policy is built.

What does NLV health insurance cost?

It depends on age, the policy chosen, how many people are insured and where you will be living. What drives the price.

What happens after I request a quote?

An adviser comes back to you through your preferred contact channel, confirms which Sanitas policies are open to each person, and tells you what is needed to complete your quote.