What Non-Lucrative Visa health insurance costs in Spain — the factors that set the price, how to get an exact quote, and how to keep the cost down while staying visa-compliant. We arrange the cover.
What sets the price
There is no single NLV health insurance price — it depends mainly on your age, the plan (usually Sanitas Residents or Residents Platinum), whether it is no-copay, family members and your province. We give you an exact personalised quote and make sure the cover stays visa-compliant.
For the Non-Lucrative Visa you generally need comprehensive private cover with no co-payments and the right certificate. The premium for that cover is set by several factors rather than a single list price:
We do not quote a single fixed price — the exact premium depends on your age, province, the plan, family members and any options. As a guide, suitable visa plans such as Sanitas Residents and Residents Platinum start from modest monthly amounts and rise with age and cover. For an exact figure, request a personalised quote or see Sanitas pricing. Prices may change and are subject to current Sanitas tariffs and acceptance rules.
Plans
Sanitas Residents is the standard NLV plan; Residents Platinum adds wider international cover and costs more. The right choice depends on whether you want Spain-focused or broader cover. Compare them on the best Sanitas plans for the NLV and read about no-copay cover.
Age
Age is the main driver. Older applicants pay more, and acceptance and terms depend on age and medical history — see over-60 cover and retiree health insurance. A pre-existing condition may also affect terms; see pre-existing conditions.
Keep cost down
Vs general cost
General private cover can be cheaper because it may include co-payments or narrower terms, but the NLV needs a compliant no-copay policy, so compare like with like. For the broader picture see health insurance cost in Spain and Sanitas pricing.
Family
Each person applying is insured and adds to the cost; a family policy lists everyone. We quote the whole household together so you see the full figure. See family health insurance.
How we help
Tell us your age, family and where you will live, and we will give you an exact NLV-compliant quote — in plain English. We arrange the cover and certificate; we do not handle the visa application or guarantee its approval. Get a quote or read the NLV health insurance page.
Important information
Tell us your age, family and province and we will send an exact NLV-compliant quote. We help with the health-insurance part of your application. Acceptance and exact policy terms depend on the insurer’s rules; visa decisions rest with the Spanish authorities.
English-speaking Sanitas specialists can help with the health-insurance part of your visa or residency application.
FAQs
Common questions about this Spanish visa route and the health-insurance requirement. Always confirm current rules with the official authorities or a qualified immigration specialist.