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Digital Nomad Visa Employee or self-employed Sanitas Visado cover

DNV Health Insurance: Employee vs Self-Employed

If you're applying for Spain's Digital Nomad Visa, your healthcare route depends partly on whether you're employed by a company abroad or work for yourself. We'll help you understand which route applies and arrange the appropriate Sanitas cover when private insurance is needed.

Get a Personalised Quote → Speak to an Adviser
Which route are you? 2 groups
Employed by a company abroadSocial Security, certificate or private cover
Self-employed / autonomoDepends on RETA stage
Where private is neededResidents Visado
More cover abroad / USAResidents Platinum Visado
English-speaking help✓ Us, start to finish
Get a Personalised Quote →
✓ Exclusive Sanitas Agent
✓ Sanitas International Experts
✓ Residents & Platinum Visado
✓ Certificate handled in English
✓ Agreed policy start date

The short answer

Employee or Self-Employed? Start Here

Most DNV applicants fall into one of two groups: employed by a company abroad, or self-employed as an autónomo. Your Social Security position and the stage of your application shape which healthcare route applies. Where a private policy is needed, Sanitas Residents Visado and Residents Platinum Visado are designed for it, and we arrange the right one for you in English.

Which are you?

Find Your Situation

Employed by a company abroad

You keep your job with a company outside Spain and work remotely. Depending on how your employment is arranged, your cover may come through Spanish Social Security, an international coordination certificate, or a private policy. If a private policy is needed, we set up the right Sanitas Visado cover for you.

Get a quote →

Self-employed professional

You invoice clients or run your own activity as an autónomo. Your position depends on your Social Security (RETA) registration and where you are in the process. Where private cover is needed, we arrange the appropriate Sanitas Visado policy, and can advise on private healthcare alongside public healthcare once you're registered.

Autónomo health insurance →

The routes

The Three Possible Routes

Which route applies depends on your situation and stage. Here is how the three compare.

Spanish Social Security

When it applies
Your employer registers you in the Spanish system, or you register as an autónomo (RETA).
Your healthcare
Spanish public healthcare.

International coordination certificate

When it applies
You stay covered by your home country's social security under a coordination arrangement.
Your healthcare
Healthcare entitlement supported by the applicable coordination certificate.

Private Sanitas Visado cover

When it applies
Where public cover or a certificate isn't in place.
Your healthcare
Comprehensive private healthcare with Sanitas — no copayments, no waiting periods.

Sanitas Visado cover

When Private Insurance Is Needed — Sanitas Visado Cover

Where a private policy is the route for your DNV, two Sanitas policies are designed for it, and both give you comprehensive private healthcare in Spain from the day your cover starts.

Residents Visado

Sanitas Residents Visado

Comprehensive private healthcare across the Sanitas network in Spain: private hospitals, specialists, diagnostic tests and treatment, with no copayments and no waiting periods, and our English-speaking team available to help you arrange and use the cover.

Sanitas Residents Visado →
Residents Platinum Visado

Sanitas Residents Platinum Visado

The same core private healthcare in Spain, plus worldwide reimbursement, USA Cover and higher emergency cover abroad. A strong fit if you'll spend time outside Spain or want cover in the United States.

Residents Platinum Visado →
Get a Personalised Quote →Compare Residents & Platinum

Why us

Why Arrange It Through Us?

  • English-speaking personal help from an Exclusive Sanitas Insurance Agent and recognised Sanitas International Experts.
  • The right Sanitas version for your situation — we match the policy to your route and circumstances.
  • An agreed start date suited to your application timetable, including a future date ahead of your move.
  • Application handled in English, with the individual insurance certificate provided in English for the application.
  • Help choosing between Residents Visado and Platinum Visado, based on where you'll live and travel.
  • Support after your policy begins, so you know how to use your cover from day one.

Get Your Personalised Sanitas Quote

Tell us your situation and we'll arrange the right Sanitas Visado cover where private insurance is needed. Share your nationality, whether you're employed or self-employed, your date of birth, the number of applicants, where in Spain you'll live and your intended start date.

  • Help identifying the right DNV route
  • Sanitas Residents Visado & Residents Platinum Visado
  • Comprehensive private healthcare in Spain
  • Certificate provided in English for the application
  • An agreed start date for your timetable
  • English-speaking help from start to finish

Request a Personalised Quote

Applicant 1 (You)

Not Sure Which Route Applies to You?

Tell us your situation and our English-speaking advisers will help you find the right Sanitas cover.

Speak to an Adviser →

FAQs

DNV Health Insurance FAQs

Common questions about health insurance for the Digital Nomad Visa, for employees and self-employed applicants.

You're employed if you keep a contract with a company abroad and work remotely; you're self-employed if you invoice clients or run your own activity. If you do both, tell us your situation and we'll help you identify the right route.
Yes, in some cases. Where your employer registers you in Spanish Social Security, or a coordination certificate keeps you covered, that can serve as your healthcare. Where it isn't in place, a private Sanitas Visado policy is used.
Comprehensive private healthcare across the Sanitas network — private hospitals, specialists, diagnostics and treatment — with no copayments and no waiting periods, plus our English-speaking team available to help you arrange and use the cover.
Residents Visado covers you comprehensively in Spain. Residents Platinum Visado adds the same core private healthcare in Spain plus worldwide reimbursement, USA Cover and higher emergency cover abroad. If you'll travel often or spend time in the US, Platinum is usually the better fit, and we'll advise based on your plans.
As soon as you know your route. We can set an agreed start date suited to your application timetable, including a future date so your cover begins in time for your move.

Related Guides & Next Steps

Digital Nomad Visa

DNV family cover (self-employed)After DNV approvalSelf-employed DNV health insuranceAutónomo: Social Security or privateDNV cover before RETA registrationDNV health insuranceDNV requirementsBest Sanitas plans for the DNV

Sanitas Visado cover

Sanitas Residents VisadoResidents Platinum VisadoResidents vs Residents Platinum

Get started

Get a personalised quoteAutónomo health insuranceSpeak to an adviser