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Sanitas, part of Bupa SpanishNLVHealthInsurance Specialist health insurance for Spain’s Non-Lucrative Visa
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Guide Library

NLV Health Insurance Guides

Everything written on this site about Sanitas health insurance for Spain’s Non-Lucrative Visa, grouped so you can find the part you need. Start at the top if you are new to it, or go straight to the section that matches where you are.

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Sections

Jump to a section.

Start here Choose your Sanitas Visado policy Requirements and certificates Cost, payment and application Age and medical history Couples, families and retirees Using and renewing the policy
Start here

Start here

Whether you need private cover at all, what the requirement actually asks for, and which Sanitas products exist for it.

Do you need private cover?
Where private insurance is needed for an NLV file and where another route may apply.
Travel insurance vs NLV cover
Why a trip policy and residence cover are built for different situations.
NLV insurance requirements
What the requirement asks for, and how the Sanitas Visado policies answer it.
Sanitas NLV health insurance
The product hub: the two Visado policies and who each is open to.
NLV health insurance FAQ
Thirty-six short answers, grouped, each linking to the page that covers it properly.
Choose your Sanitas Visado policy

Choose your Sanitas Visado policy

The two products side by side, and the specific benefits people ask about most.

Sanitas Residents Visado
The Sanitas visa policy for the Non-Lucrative Visa.
Residents Platinum Visado
The premium Visado policy, and its second route to treatment.
Compare the two
Which Visado policy suits which priorities, set out side by side.
No copayments
What a no-copayment policy means in practice on these products.
No waiting periods
Why cover that is effective from day one matters for a visa file.
Repatriation cover
What the benefit actually is, rather than what the phrase suggests.
Requirements and certificates

Requirements and certificates

The documents a visa file needs, and how to check them before you submit.

The insurance certificate
What the certificate is, and how it differs from your policy documents.
Checking your certificate
A step-by-step check to run before the certificate goes into your file.
Documents needed
What to have ready for the quote and for the application itself.
Cost, payment and application

Cost, payment and application

What drives the premium, how you can pay, and how applying works.

NLV health insurance cost
What the premium depends on, and why we quote individually.
How to apply
The sequence from quote to policy, and what happens at each step.
When should the policy start?
Choosing a start date that works with your appointment and your move.
Payment options
Card, Spanish or SEPA bank account — and when a consulate receipt means annual.
Age and medical history

Age and medical history

Entry ages are assessed on the policy start date, and a medical history is assessed on its own facts.

NLV insurance age limits
How entry ages work across the two products, and where each band lands.
Cover over 60
What is open to applicants in their sixties.
Cover over 65
Where the Platinum entry age is behind you and Residents Visado is the route.
Cover over 70
What remains available in the seventies.
Cover over 75
The upper end of eligibility, assessed on the start date.
Pre-existing conditions
How a declared condition is assessed, and why accuracy matters.
The medical questionnaire
What the health questions ask, when they are asked, and why accuracy matters.
Couples, families and retirees

Couples, families and retirees

One policy can cover up to six people, and the right product can differ across them.

Cover for couples
Two applicants on one policy, including where ages differ.
Cover for families
Adding children, and how a family policy is put together.
For retirees
Retiring to Spain on the NLV: entry ages, medical history and applying as a couple.
Using and renewing the policy

Using and renewing the policy

What happens after the visa is granted.

How treatment is arranged
The routes to treatment through the Sanitas medical directory (cuadro médico).
Renewing your policy
How renewal works and what to check each year.
Get Started

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Phone, WhatsApp and email all reach the same advisers — see the contact page.