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.
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.
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.
We may introduce a secure application link sent by email in the future. It is not currently a public application route on this website. For now, contact us when you are ready to proceed and we’ll guide you through the next step.
What you’ll be asked for.
Described at category level. The precise document list isn’t published here yet — see the open items below — and we’d rather tell you nothing than tell you a list that turns out to be wrong.
| 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.Source: General Conditions Cl. VI.4.7. |
| 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.Source: General Conditions Cl. VI.4.3 and VI.4.6. |
| Health questions | A health questionnaire, answered individually by each person to be insured. The agreement is closed on the basis of those declarations.Source: General Conditions Cl. VI.1. |
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.
Source: General Conditions Cl. VI.1, citing Articles 10 and 15 of Ley 50/1980 del Contrato de Seguro. Reviewed 12 August 2026.Three things the policy conditions settle.
Everything below is taken from the conditions themselves. What follows it is the part we won’t guess at.
On timing
How long an application takes depends on the insurer’s own process and on whether underwriting needs anything further from you, so we do not attach a figure to it. If you are planning around a submission date, tell us the date and we will tell you where things actually stand for your application.
The same applies to when your documentation and certificate arrive, and in what order — ask us and we will chase it with you rather than leave you guessing.
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.
No medical information is collected at quote stage.