About Spanish NLV Health Insurance
We help people arrange Sanitas health insurance for Spain’s Non-Lucrative Visa — the cover that has to be in place before your consulate appointment, and the policy you will actually live with once you arrive. One insurer, two Visado products, and advisers who work with them every day.
A specialist agency for one visa, one insurer.
We are an Exclusive Insurance Agent of Sanitas, and this site exists for a single job: getting Non-Lucrative Visa applicants properly insured with the right Sanitas Visado policy. That focus is deliberate. The NLV has its own requirements, its own timing and its own awkward questions, and they are easier to answer well when they are the thing you do rather than one line on a long product list.
People preparing to move to Spain.
The visa file is coming together and the insurance is the piece that has to be right before the appointment. Within that, no two situations are quite the same — ages differ, start dates differ, and medical histories differ.
We are often asked about
- Retirees and early retirees moving over on the NLV
- Couples applying together, sometimes with different ages
- Families including children on the same policy
- Applicants with a medical history they are unsure how to declare
- Applicants in their sixties and seventies, where entry ages matter
And what they usually need first
- Which of the two Visado products they are eligible for
- What the requirements actually say
- When the policy should start relative to the appointment
- What the certificate needs to show
- What it is likely to cost, for their own circumstances
From the first question to the policy in force.
We are not a quote form with a phone number attached. The work is in the detail either side of the quote — establishing what you need before it, and making sure the paperwork is right after it.
And afterwards
The policy does not stop being complicated once the visa is granted. We stay available for questions about using the cover, arranging treatment and renewal — the same advisers, not a different department.
What happens when you get in touch.
There is always someone to ask.
Arranging cover in another country, in another language, against a deadline set by a consulate, is not something to be left to work out alone from a help page. You can pick up the phone, send a WhatsApp message or write an email, and reach advisers who know these two products and this visa.
Ask whatever you like before giving us any details — what the conditions actually say, whether a particular situation is a problem, what the certificate has to show. There is no obligation attached to a conversation, and there is none attached to a quote.
Office hours are Monday to Friday, 9:00–18:00 CET, and all three channels reach the same people. The contact page has every number.
Sanitas insures you. We arrange it.
Sanitas, S.A. de Seguros is the insurer. We are an Exclusive Insurance Agent of Sanitas and help customers understand, apply for and manage the Sanitas Visado options available through us.
Being an exclusive agent means we are appointed for one insurer, and it is why we can go through these two products at the level of detail this site does. Sanitas underwrites the policy, sets the premium and issues the documents; our part is everything around that — the explaining, the application, the paperwork and the questions afterwards.
The appointment is a matter of public record. The register of insurance intermediaries is maintained by the Dirección General de Seguros y Fondos de Pensiones, and the number below identifies this agency in it. Full company, regulatory and insurer details are set out on the legal notice.
- Agent: Stephen Paul Gregory, Exclusive Insurance Agent of Sanitas, S.A. de Seguros.
- Administrative Register number: C0320Y2155969D.
- Designation held: Sanitas International Expert.
- Registered office: C/ Alcalde Clemente García 19, 5, 30169 San Ginés, Murcia, Spain.
- Office hours: Monday to Friday, 9:00–18:00 CET.
We do not give immigration or legal advice, and we do not set consular requirements — your consulate’s current checklist is the document to work from. Acceptance of any application is a decision for Sanitas.
Tell us who needs cover, and when
Tell us who needs cover and when you expect the policy to begin. We’ll prepare a personalised quote and explain the next step.
Phone, WhatsApp and email all reach the same advisers — see the contact page.