Digital Nomad Visa health insurance for foreign employees in Spain — why full private no-copay cover is often required where private insurance is used as the healthcare proof, which Sanitas plans suit, the certificate and start date. We arrange the insurance, not the visa.
Who it's for
If you are applying for the Spanish Digital Nomad Visa as a foreign employee — working remotely for a company outside Spain — you usually need comprehensive private health insurance valid in Spain, normally with no co-payments and the right certificate. We arrange suitable Sanitas cover; we do not handle the visa application or decide whether you qualify.
This page is for DNV applicants working remotely as an employee of a company based outside Spain (not self-employed). If you will register as self-employed in Spain instead, see DNV health insurance for autónomos and the employee vs autónomo comparison. We help with the health-insurance part only; we do not handle the Digital Nomad Visa application, give immigration legal advice, or decide whether you qualify.
Why full cover
As a foreign employee you are generally not contributing to Spanish social security through a Spanish employer, so you usually cannot rely on the public system for the visa. For that reason DNV foreign-employee applicants typically need full comprehensive private health insurance as their main healthcare proof. Confirm the exact requirements with the consulate, the UGE (Unidad de Grandes Empresas) or a qualified immigration specialist.
What it must show
Plans
Suitable options are usually Sanitas Residents or Residents Platinum, depending on whether you want Spain-focused or wider international cover. Compare them on the best Sanitas plans for the DNV, read copay vs no-copay, and see the DNV insurance cost page for what affects the price.
Certificate
The certificate must show the right cover and dates — a quote or receipt is not a certificate. A policy can usually be arranged in advance with a start date timed to your move, so the certificate is ready for your application. See the DNV certificate.
No NIE yet
You do not need an NIE or a Spanish bank account to arrange the cover. Many employees take out the policy before applying so the certificate is ready. We can set this up in English.
Family
A spouse/partner and children can usually be included, each named on the cover. We quote the household together. See family health insurance.
Mistakes
How we help
Tell us your situation and we will arrange suitable Sanitas cover with the right certificate, timed to your application. We help with the insurance only; visa decisions rest with the Spanish authorities. Get a quote or read the DNV health insurance page.
Important information
Tell us about your remote employment and we will arrange suitable Sanitas cover with the right certificate. 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.