EU CitizensNot WorkingCited to RD 240/2007

Health Insurance for Economically Inactive EU Citizens

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.

Public or private cover for the green certificateNo-copay Más Salud where private is the routeWe arrange qualifying private coverEnglish-speaking specialists
EU InactiveBuyer guide
WhoEU citizens, not working
RuleRD 240/2007 Art. 7
NeedResources + sickness insurance
CoverPublic or private
We help withQualifying private cover + quote
Get a Quote →
✓ Public or private cover for the green certificate
✓ No-copay Más Salud where private is the route
✓ We arrange qualifying private cover
✓ English-speaking specialists

Overview

Registering as an Economically Inactive EU Citizen

We do not handle visa applications or give immigration legal advice. We are English-speaking Sanitas health insurance specialists who help you arrange the private health insurance many Spanish visa and residency routes require — suitable policy options, certificate wording, start dates and personalised quotes. Visa rules vary by consulate and change over time, so always confirm the full immigration requirements with the relevant Spanish consulate, an Extranjería office or a qualified immigration specialist.
Quick answer

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

What the Rule Requires: RD 240/2007

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

How Public Cover Can Satisfy the Requirement

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

Sanitas Options Where You Need Private Cover

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.

This is an EU free-movement route, not a Law 14/2013 visa route, so the plan choice is different. Where private cover is the route, we keep it simple: comprehensive, no-copayment Más Salud cover for the registration. If you are covered publicly, you may not need private insurance for this purpose.

Resources

Sufficient 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

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

Why “Comprehensive” and No-Copay

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

Acceptance and Terms

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

Economically Inactive EU Registration: What You Need

RequirementWhat it meansHow we help
Sickness insurancePublic or private, comprehensive cover in SpainArrange qualifying private cover
Sufficient resourcesMeans test set by the authoritiesPoint you to current guidance
Public-cover routeAn S1 (eligible people) or other routesFlag if it may apply to you
Family coverEach member coveredCoordinate a family plan
The certificateRegistration documentProvide 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

What we can arrange

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

Your Next Step

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

Important Information

Important: We do not handle visa applications or provide immigration legal advice. Our role is to help English-speaking applicants understand and arrange the Sanitas private health insurance required for many Spanish visa and residency routes, including suitable policy options, certificate wording, start dates and personalised quotes. Visa and residency decisions are made by the Spanish authorities, and applicants should always confirm the full immigration requirements with the relevant Spanish consulate, Extranjería office or a qualified immigration specialist.

Get Cover for Your EU Residency Registration

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
  • Cover matched to your route
  • Couples, families & retirees
  • Personalised quote, no obligation

Request a Quote

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People to Cover
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Prefer to talk it through?

English-speaking Sanitas specialists can help with the health-insurance part of your visa or residency application.

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FAQs

Health Insurance for Economically Inactive EU Citizens — 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.

Not necessarily — RD 240/2007 requires sufficient resources and sickness insurance, public or private, that provides comprehensive cover in Spain. An S1 may establish public healthcare entitlement for eligible people. Where you need to arrange qualifying private cover, the no-copayment Más Salud plans are a suitable option. Confirm the evidence required for your circumstances.
For economically inactive EU/EEA/Swiss citizens, sufficient resources and sickness insurance — public or private — that provides comprehensive cover in Spain, so as not to become a burden on social assistance. An S1 is one possible public route, not the only exception.
Where you need to arrange private cover, a no-copayment Más Salud plan is a suitable option — Más Salud Sin Copago for an individual, or Más Salud Familias Sin Copago for a family. If you are covered publicly, you may not need it for this purpose.
If you meet the requirement with private cover, a no-copayment plan is the clean way to meet the comprehensive-cover expectation; a basic or heavily limited policy risks being treated as insufficient. If you are covered publicly, this does not arise.
An S1 may establish public healthcare entitlement for eligible people — for example UK or EU/EEA state pensioners — in which case you may not need private insurance for this purpose. It is one possible route, not the only one; confirm the evidence required for your circumstances.
No — this is an EU free-movement route, not a Law 14/2013 visa route. Where private cover is the route, the no-copayment Más Salud plans are the suitable option, not the visa-applicant plans.
A means test set by the authorities against Spain’s thresholds. The figures can change — confirm the current position when you register. We help with the insurance side.
Yes — family members registering with you generally need to be covered. A Más Salud Familias plan covers a family under one policy.
No — acceptance and terms are decided by the insurer’s underwriting. We help you choose a suitable plan and present your situation.
No — the NLV is a non-EU visa route. EU citizens register under the free-movement framework (RD 240/2007), with different suitable plans.