NLV health insurance for retirees
Retiring to Spain on the Non-Lucrative Visa: which Sanitas Visado product is open to you at your age, how a medical history is assessed, and how couples applying together are handled.
Retiring to Spain on the Non-Lucrative Visa.
The NLV is the route many people take when they are not going to work in Spain, which is why so much of the insurance question for retirees and early retirees comes down to two things: which product is open to you at your age, and how a medical history is treated.
This page routes you to the pages that answer those properly. It does not repeat them, because each is covered in its own right.
The two things that decide it.
Your age on the start date
- Entry ages differ between the two Visado products
- Both are assessed on the intended policy start date, never on today
- A later start date can change which product is open to you
- How the entry ages work
Your medical history
- Declaring a condition does not automatically mean it cannot be insured
- Each application is assessed on its own underwriting
- Health questions come at application stage, not at quote
- How a declared condition is assessed
Where you are in the range.
Each band has its own page, because what is open to you genuinely changes as you move through them.
Applying together.
Most retiree applications we see are for two people, and a difference in age between them can mean a different product is open to each. That is worth establishing before you choose. Cover for couples explains how that works, and cover for families covers adding others to the same policy.
If you are weighing the state-cover route rather than private insurance — an S1, or the convenio especial — do you need private cover? sets out where each applies. We do not give immigration advice, and your consulate’s current checklist is the document that governs your file.
Once you know which product fits.
Compare the two Visado options, read what drives the premium, check how you can pay, and look at when the policy should start — which, for anyone near an age threshold, is the single most consequential date in the application.
Tell us the ages and the date you have in mind
Entry ages are assessed on your intended policy start date, so tell us who needs cover and when you expect it 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.