Application Help

How to apply for Sanitas NLV health insurance

You begin by requesting a personalised quote. Once we have reviewed which Sanitas route fits, we set out the application steps and what will be needed. Here is how that works, step by step.

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The Route

Four steps, in this order.

There is no application form on a public page. When you are ready to proceed, tell us, and we will take you through the application stage.

You request a quote. Ages, intended start date, destination and applicant details. No medical or health information is asked for at this stage, and none should be sent.

We review the request. Which of the two Visado products fits, and whether the ages sit inside the entry limits for it.

Your personalised quote arrives by email — setting out the product, what it covers and what it costs for the people you have told us about.

You tell us you want to proceed. We then explain the application steps and what information and documents will be needed — identity, address, policy choices and the health questions.

After Your Quote

What happens after your quote.

Start by requesting a personalised quote. If you decide to proceed, we’ll explain the application steps and what information or documents will be needed.

Entry ages differ between the two Visado products and are assessed using each applicant’s age on the intended policy start date. We therefore check the proposed start date and ages before moving to the application stage.

Tell us when you are ready to proceed and an adviser takes you through the application step by step.

At The Application Stage

What you’ll be asked for.

Four categories of information, plus the health questions. Your adviser confirms exactly which documents apply to your application before you start.

What	Why it’s asked
Identity	Name, date of birth, nationality and an identity document, for each person to be insured.
Address	Where you are now, and where you’ll be living in Spain. Premiums are calculated using the age attained and the geographical zone.
Policy choices	The product, the intended start date and how many people are to be covered.
Payment preference	The premium is annual, and may be divided into biannual payments with a surcharge. Payment is by direct debit or another expressly agreed method.
Health questions	A health questionnaire, answered individually by each person to be insured. The agreement is closed on the basis of those declarations.

Medical Information

Health questions belong to the application, and nowhere else.

The quote form asks for no medical or health information, and you shouldn’t put any into it — including in the free-text box. The contact form takes an optional indication that you would like to discuss a pre-existing condition, and nothing beyond that: no diagnosis, medication or treatment details.

Health information is collected only at the application stage, where it is used to assess the application. Answering it accurately matters: the conditions are explicit that the agreement is closed on the basis of the declarations made in the questionnaire, and that inaccurate or omitted declarations give the insurer rights it would not otherwise have.

If something in your history is complicated, ask us before you start. We can go through what the questionnaire is actually asking.

After You Submit

Three things the policy conditions settle.

Three points are fixed by the policy conditions. Timing is not, and we say so below.

Sanitas assesses the application on the basis of the declarations made in the health questionnaire.

The first premium must be paid before cover takes effect. Cover does not begin on submission, or on acceptance — it begins once the first premium is paid.

After the visa is 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.

How long does the application take?

If no pre-existing conditions are declared and no further underwriting is needed, the insurance certificate is normally issued on the same working day after payment — often within about an hour. If payment is made later in the working day, the certificate may arrive on the next working day.

If a pre-existing condition requires underwriting review, allow an additional one to two working days. Sanitas’s underwriting team may telephone you if they need further information before making their decision.

These timings apply on working days, and begin once Sanitas has the completed information it needs.

Get Started

Start with a quote

Tell us the ages, the dates you’re working to and where you’re heading. We’ll come back with a personalised quote, and set out what happens next if you decide to proceed.

Request my quote → ☎ +34 868 290 730

No medical information is collected at quote stage.

Application FAQs

NLV Health Insurance Application FAQs

Practical answers about applying for Sanitas NLV health insurance, the information required, medical questions, payment and what happens next.

How do I apply for NLV health insurance in Spain?

Start by requesting a personalised quote, giving the ages of everyone to be insured and the start date you have in mind. If you decide to go ahead, an adviser takes you through the application: identity details, the address you will be living at, your policy choices, a payment preference and the health questions. Entry ages differ between the two Visado products and are assessed on each applicant’s age on the intended start date, so the dates are checked before the application stage.

Can I apply for Sanitas NLV insurance online?

You start online by requesting a quote, and the application itself is completed with an adviser rather than through a public form. Once you confirm you want to proceed, we take the application details from you and handle the submission. It means the product and the entry age are checked against your start date before anything is submitted.

What information do I need for the application?

Four categories, plus the health questions: identity for each person to be insured — name, date of birth, nationality and an identity document; the address where you are now and where you will be living in Spain; your policy choices, meaning the product, the intended start date and how many people are covered; and a payment preference. Documents needed sets out what belongs at each stage.

Do I need an NIE to apply?

The application asks for an identity document for each person to be insured, alongside name, date of birth and nationality. You do not need a Spanish bank account either — the premium can be paid by credit card, or by direct debit from a European SEPA account. If you are not sure which document suits your circumstances, ask before you start and we will confirm it.

Can I apply before I have a permanent address in Spain?

You are asked for the address where you are now and the address where you will be living in Spain, because premiums are calculated using the age attained and the geographical zone. If the Spanish address is not settled yet, tell us the area you are heading to and we will go through what that means for your quote.

When do I answer the medical questionnaire?

Only at the application stage. The quote and contact forms ask for no health information at all, and you should not put any into them — including the free-text box. The Sanitas medical questionnaire sets out what is asked and when.

Does every person need to answer the health questions?

Yes. The questionnaire is answered individually by each person to be insured, and one person’s answers are not taken to cover anyone else. The agreement is closed on the basis of those declarations, so accuracy matters: inaccurate or omitted declarations give the insurer rights it would not otherwise have.

Can the main applicant sign for everyone on the policy?

Yes. The main applicant can sign the application for everyone included in it. Each insured person’s health information must still be complete and accurate, because the application is assessed using the declarations supplied for each person.

When should the NLV health-insurance policy start?

The start date does more than set the first day of cover. Entry ages are assessed using each applicant’s age on that date, and evidence that the visa has been issued must reach the insurer within two months of it. When your policy should start goes through how to choose it.

Can I pay annually or twice yearly?

That depends on the method. By credit card the premium is paid annually. From a Spanish bank account, or from a European SEPA account, you can pay annually or twice yearly by direct debit. Monthly instalments are not offered on the Visado products. Where you need a receipt showing twelve months paid in advance, the policy has to be arranged annually. Payment options sets out each method.

When does the insurance cover actually begin?

When the first premium is paid. Cover does not begin when you submit the application, and it does not begin when Sanitas accepts it — the conditions are explicit that the first premium must be paid before cover takes effect.

What happens after I submit the application?

Sanitas assesses it on the basis of the health-questionnaire declarations. Once the first premium is paid, cover begins. After your visa is issued, evidence of issuance must reach the insurer within two months of the policy start date, or the contract terminates automatically under the stated terms. Your documentation and certificate follow — checking your certificate shows what to look at before it goes into your visa file.

How quickly can I receive my NLV insurance certificate?

For a straightforward application with no declared pre-existing conditions and no further underwriting requirement, the certificate is normally issued after payment on the same working day, often within about an hour. If payment is made later in the working day, it may arrive on the next working day. Where a pre-existing condition requires underwriting review, allow an additional one to two working days. Checking your certificate shows what to look at when it arrives.

How long does the application process take?

On a straightforward application the certificate normally follows payment on the same working day, often within about an hour, and may arrive the next working day where payment is made later in the working day. Where a declared condition requires underwriting review, allow an additional one to two working days. These are working-day timings, and they begin once Sanitas has the completed information it needs.

What happens if Sanitas needs more information?

A declared condition does not automatically delay things. Where one does need reviewing, Sanitas’s underwriting team looks at the application and may telephone you to request further information before deciding. Allow an additional one to two working days for that review. If you already know part of your history is complicated, pre-existing conditions is worth reading before you start.

Two parts of the application have their own pages: the Sanitas medical questionnaire, which is where the health questions are asked, and payment options, which decides whether you can spread the premium.

If you would rather read round the subject before you start, the NLV health insurance FAQ answers what we are asked most often, and the guide library groups everything on this site by topic.