NLV Insurance Options
Sanitas health insurance
for the Non-Lucrative Visa
Sanitas issues two Spanish health insurance policies written for the Non-Lucrative Visa, and only one of them may be open to you. This is where to work out which, what each covers, and what to have settled before you apply.
The Two Products
What you are choosing between.
Sanitas Residents Visado
Open to age 75
Full private healthcare through Sanitas’s contracted network in Spain, with no copayments and no waiting periods, and repatriation cover included. The wider age range of the two.
Residents Visado in full →Sanitas Residents Platinum Visado
Open to age 64
The same Spanish network — also with no copayments, and no waiting periods on the core health-insurance cover — plus a second route: a worldwide network of participating centres, used with prior authorisation. A narrower age range.
Platinum in full →
Before You Apply
Four things to settle first
1
Your age on the start date
Both products assess age on the intended policy start date, not the day you enquire. A
birthday in between changes which products are open.
The age guide
2
Your intended start date
Cover does not begin until the first premium is paid, so the date needs choosing rather
than assuming. Choosing a start date
3
Any medical history
Health questions arrive at application stage, not at quote stage, and are separate from the
no-copayment and no-waiting-period position.
What that involves
4
Who is being insured
Couples and families are built person by person, and the under-14 rule shapes how.
What you will need
Start Where You Are
Seven situations, and where each one starts
“I’m worried about my age.”
Which product is open to you is decided on your start-date age. Start with the bands.
“I have a condition already.”
How disclosure and underwriting work, and why it is separate from waiting periods.
“Are there copayments?”
No — sin copagos on both visa policies. What that covers, and what it does not.
“What will it cost?”
The factors the conditions name, and what moves them.
“When should cover start?”
Four separate dates, and the one hard rule about payment.
“What paperwork do I get?”
What the certificate is, what it contains, and what to check on it.
“How does applying work?”
Quote, application, payment, documents — in order, with what each stage asks.
Not sure which product is open to you?
Send the dates of birth and the start date you have in mind. An adviser will confirm which products are available to each person before you commit to anything.
Get my quote →
Couples And Families
Applying as more than one person
A joint application is built person by person rather than as a single unit, and two rules shape it:
- Age is tested per insured person, on the start date. In a couple either side of Platinum’s age limit, one may be inside its range and the other not. Worth raising before quoting.
- Persons under 14 can only be included where the people holding their custody or guardianship are insured too. That shapes how a family policy is built before anyone prices it.
Health questions are completed at application stage for the people being insured. Nothing medical is asked when you request a quote.
Next Steps
A short checklist
- Work out your age on the intended start date. That decides which of the two products are open to you.
- Decide where you expect to use the policy. Spain only, or Spain plus participating centres elsewhere. That is the difference between the two products.
- Pick a start date you can actually meet. Cover begins once the first premium is paid.
- Request a quote. Dates of birth, intended start date, where you are heading. No medical questions at this stage.
- Complete the application and pay. The health questionnaire sits here, and your documentation follows.
- Exclusive Insurance Agentof Sanitas, S.A. de Seguros
- DGSFP registeredC0320Y2155969D
Get Started
Check which options are open to you
One short form covers both products. An adviser confirms which are open to each person and prepares a personalised quote response, subject to eligibility and underwriting.
Rather ask a question first? Contact an adviser.
Questions
Sanitas NLV Health Insurance FAQs
There are two visa products: Residents Visado, open to age
75, and Residents Platinum Visado, open to
age 64. Which are open to you is decided by
your age on the intended start date; which you choose between them depends on where you
expect to use the policy. The comparison.
Yes. Sanitas issues a separate Visado version of each, with its
own conditions. Confirm the product name on your documentation before submitting it
anywhere.
On Sanitas Residents Visado, care is arranged through the Sanitas medical network in Spain: you use the professionals and centres listed for your policy and your area, and Sanitas settles directly with them for covered services. Sanitas Residents Platinum Visado keeps that network and adds a permitted route outside it, where you pay the provider yourself and claim back eligible costs under the policy’s terms and limits. Before anything planned, check the current directory for your area and whether the treatment needs prior authorisation. How treatment is arranged.
Yes. Sanitas, S.A. de Seguros is the insurer, registered in Spain with the Dirección General de Seguros y Fondos de Pensiones under insurer code C-320. That code identifies the insurer, and is separate from our own registration as its exclusive agent, which is set out in the legal notice. Consulates set their own wording on this: the Spanish Consulate in Washington DC asks for insurance “from an insurance entity recognized and authorized to operate in Spain” (checked 7 November 2026). That is one district’s wording, so read the list published by the consulate handling your application.
Neither, on either Visado product. No copayments — sin
copagos: you do not pay a separate per-use copayment when you use covered
services. No waiting periods — sin carencias: on Residents Visado the General Conditions state that coverages are available from the effective date of the contract. Residents Platinum Visado has no waiting periods on its core health-insurance cover. The full explanation. No-copayment
does not mean every treatment is covered — it means no per-use charge for services
that are covered. No copayments in full · No waiting periods.
The Spanish Consulate in Washington DC expressly addresses copayments in its published NLV checklist
(checked 7 November 2026). Read the checklist published by the consulate handling your own
application for its position. Both Visado products are arranged without copayments and
without waiting periods, so check both points against those published requirements.
At application stage, in the insurer’s own process. The quote form
asks no medical or health questions.
Yes. A joint application is built person by person: age is tested for
each insured person on the start date, and persons under 14 can only be included where the
people holding their custody or guardianship are insured too.
The premium is not itself one of the insurance requirements listed in the official consular material we have reviewed. The questions that matter are what the policy covers, how it is paid for, the documentation supplied, and the requirements applied by your competent consulate. We arrange the two Sanitas Visado policies described on this website and help you understand the differences between them, so the choice is between those two products — the Sanitas network on its own, or the network plus the permitted route outside it — and which of them your age allows on your start date. Compare the two.
The age attained and the geographical zone are among the factors the conditions name, and the price is annual, with division into biannual payments possible for a surcharge. A quoted premium reflects the people being insured and the cover being arranged.
What drives the price.