Documents needed for Sanitas NLV health insurance
Very little is needed to get a quote. More is needed to complete an application — and the health questions belong only to that second stage. Below, the two stages are set out separately so you know what belongs where.
What each stage actually asks for.
The commonest mistake is preparing for the wrong one. A quote needs information; an application needs information and documents.
About the application stage. What follows — what it asks for, and how identity details are handled — describes the application process. The instructions supplied with your application are the authority for your own case, and we will tell you exactly what is needed for your own application.
| Stage | What it asks for |
|---|---|
| The quote | Your ages, intended start date, destination and applicant details. That gives us what we need to prepare a personalised quote response, subject to eligibility and underwriting. No documents, and no health information. |
| The application | Identity details for each person to be insured, where you’ll be living in Spain, your policy choices, payment information and the health questionnaire. |
An identity document for each person insured.
Each applicant should have a valid identity document available. As the application stage is being set up, it is intended to accept passport or NIE details, with an upload for each person to be insured.
If you don’t have a NIE yet, that isn’t necessarily a reason to wait: the application is intended to accept passport details where no NIE is available. That is how the application stage is being set up, not a confirmed operational rule — ask us before you assume it applies to your case.
Whatever you use, enter the names exactly as they appear on the document. Documentation is produced from what you submit, and a mismatch between the two is easier to avoid than to correct.
Your address, and your intended residence in Spain.
The application asks for the address you are at now and, separately, the town or city and postcode where you will be living in Spain. Both are asked for — they are not assumed to be the same, and you do not need to have moved to complete an application.
Where you will be living is not an administrative detail. Premiums are calculated using the age attained and the geographical zone, so the location affects the price you are quoted.
Source: General Conditions Cl. VI.4.7 (premium factors). English-language edition, reviewed 12 August 2026.Nothing medical belongs at quote stage.
You will be asked health questions, and each person to be insured answers them individually. That happens only at the application stage.
You do not need medical records, a doctor’s letter or a diagnosis history to get a quote, and you should not send any of it with one. If your history is complicated, our pre-existing conditions guide covers how declarations are treated, and how to apply covers where in the sequence the questions arrive.
What the conditions settle about paying.
What payment information you need depends on the method agreed. Three things are settled by the policy conditions; the rest is confirmed with you rather than published here.
We have deliberately not published a list of accepted payment methods. The payment methods available for your application will be confirmed with your personalised quote and application instructions.
More than one person on an application.
Where more than one person is to be insured, each provides their own identity details and each answers the health questionnaire individually. One person’s answers are not taken to cover anyone else.
One rule the conditions set explicitly: people under 14 are insurable only where their custodians or guardians are also insured. A child cannot be covered alone.
Source: General Conditions Cl. 3.4. Reviewed 12 August 2026.How a couple or family is arranged where circumstances differ between them is not something we set out here — see the open items below. Bring us the situation and we will go through it with you.
One thing is required later.
Once the visa has been issued, evidence of issuance must reach the insurer within two months of the policy start date; otherwise the contract terminates automatically under the stated terms.
It is worth knowing about at the point you apply, because the two-month clock runs from the policy start date rather than from the date the visa arrives.
Source: General Conditions Cl. VI.3.3(d). Reviewed 12 August 2026. See also choosing the policy start date.What you do not need to request a quote.
Worth stating plainly, because gathering these first is wasted effort.
| Not needed for a quote | When it applies |
|---|---|
| Medical records, doctors’ letters, diagnosis history | Never sent to us. Health questions are answered at application stage. |
| Uploaded identity documents | At application stage. |
| Payment details of any kind | Agreed as part of your application. |
| A NIE | The application can be started using passport details. |
| A Spanish address you have already moved into | Your intended residence is enough. |
A checklist to work from.
Print it, or keep it open. This is not a formal requirement list — it is what makes the two stages straightforward.
| Have to hand | Stage |
|---|---|
| Date of birth for every person to be insured | Quote |
| The date you intend the policy to start | Quote |
| The town or city in Spain you are heading for | Quote |
| Nationality for each person | Quote |
| An identity document for each person — passport or NIE | Application |
| Names spelled exactly as they appear on that document | Application |
| The address you are at now, and the Spanish town and postcode you are moving to | Application |
| Relationship of each person to the policyholder | Application |
| Honest answers to the health questions, for each person individually | Application |
| Your preferred payment arrangement, to agree with us | Application |
Start with a quote
Ages, dates and where you’re heading is genuinely enough to begin. Everything else belongs to the stage after.
No documents and no medical information are collected at quote stage.