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Get a Quote →EU citizens who register Spanish residency without working — retirees, or those living on savings — generally need sufficient resources and sickness insurance (public or private) that provides comprehensive cover in Spain, under RD 240/2007. This page explains the requirement and, where you need to arrange private insurance, the no-copayment Sanitas options that may fit.
Overview
Economically inactive EU/EEA/Swiss citizens registering Spanish residency generally need sufficient resources and sickness insurance — public or private — that provides comprehensive cover in Spain, under RD 240/2007. An S1 may establish public healthcare entitlement for eligible people; where you need to arrange qualifying private cover, a no-copayment Sanitas plan may be an option, though its current terms and certificate must be checked against the requirements applying to your registration. The applicant must confirm the evidence required for their circumstances. EU citizens are outside the Law 14/2013 visa routes.
EU citizens do not need a visa to live in Spain, but to stay more than three months they register their residency and obtain the registration certificate (the “green certificate”). If you are economically inactive — not working in Spain, for example a retiree or someone living on savings — you generally need to show sufficient resources and sickness insurance — public or private — that provides comprehensive cover in Spain. This page explains that health-cover requirement and, where private insurance is the route, the Sanitas options that may fit.
One point on who decides what: whether you qualify to register as a resident is for the Spanish authorities, whether a plan and certificate suit your registration is what we advise on, and whether Sanitas can offer cover, and on what terms, is the insurer’s decision.
Rule
The framework is Royal Decree 240/2007 (Article 7), which implements EU free-movement rules in Spain. Economically inactive EU/EEA/Swiss citizens generally need sufficient resources and sickness insurance — public or private — that provides comprehensive cover in Spain, so as not to become a burden on Spain’s social assistance. An S1 may establish public healthcare entitlement for eligible people. The applicant must confirm the evidence required for their circumstances. Where you are not covered publicly, that means arranging qualifying private health insurance.
Public option
Public cover can satisfy the sickness-insurance requirement. An S1 may establish public healthcare entitlement for eligible people — most often UK and other EU/EEA state pensioners, funded by the home state — and it is one possible route, not the only exception; other public-cover situations can also qualify depending on your circumstances. If you are covered publicly, the private requirement may not apply. If you are not, you arrange qualifying private cover. The applicant must confirm the evidence required for their circumstances. See our EU residency requirements page.
Plan
Where an applicant needs private insurance, a no-copayment Sanitas plan may be an option — comprehensive private health insurance without per-visit charges. Its current terms and certificate must be checked against the requirements applying to that person’s registration. For an individual, that is Sanitas Más Salud Sin Copago; for a couple or family, Sanitas Más Salud Familias Sin Copago. These are an option for someone who needs private cover; the visa-route plans used for non-EU applicants are not the right fit here.
Resources
Alongside health cover, the rule expects sufficient resources for you and any dependent family, assessed against Spain’s thresholds. That is a means test rather than an insurance question, and the exact figures and evidence are set by the authorities and can change — confirm the current position when you register. Our part is the health-insurance side; we point you to the right guidance on resources.
Family
Family members registering with you generally need to be covered too. A Más Salud Familias Sin Copago plan covers a family under one policy, and each member’s cover is assessed for their own registration. We help you arrange coordinated family cover for the certificate; each person’s evidence is assessed by the competent authority.
Comprehensive
Where you meet the requirement with private cover, it needs to be comprehensive, and in practice a no-copayment plan is the clean way to meet that — it provides broad private cover without per-service charges, which registration offices expect to see. A basic or heavily limited policy risks being treated as insufficient. That is why, where private cover is the route, we point EU inactive registrants to the no-copayment Más Salud plans rather than an entry-level product. See copay vs no-copay.
Underwriting
Whether Sanitas accepts you and on what terms is decided by the insurer’s underwriting — separate from whether your registration is accepted. Age and medical history can affect it. We do not promise acceptance; we help you choose a suitable plan and present your situation. Declare any pre-existing conditions honestly.
Table
| Requirement | What it means | How we help |
|---|---|---|
| Sickness insurance | Public or private, comprehensive cover in Spain | Arrange qualifying private cover |
| Sufficient resources | Means test set by the authorities | Point you to current guidance |
| Public-cover route | An S1 (eligible people) or other routes | Flag if it may apply to you |
| Family cover | Each member covered | Coordinate a family plan |
| The certificate | Registration document | Provide a policy that supports it |
General guidance; confirm current registration requirements with the authorities. We help with the health-insurance part.
What we can help with
We help economically inactive EU citizens arrange qualifying no-copayment cover where private insurance is the route, coordinate family cover, and point out where public cover (for example an S1, or another route) might mean you do not need private insurance for this purpose — in English, with a personalised quote rather than a fixed price. Get a quote or contact an adviser.
Next
If you are an EU citizen registering residency without working, tell us who needs cover and whether you have an S1, and we can explain the current Sanitas options and provide a personalised quote. Get a quote.
Important information
Tell us who needs cover and whether you have an S1, and we can explain the current Sanitas options and provide a personalised 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 health cover for economically inactive EU citizens registering in Spain. Always confirm current rules with the official authorities or a qualified immigration specialist.