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Digital Nomad VisaCover before RETA

DNV Health Insurance Before RETA Registration

If you are applying for Spain's Digital Nomad Visa but are not yet registered as an autónomo, the appropriate healthcare route depends on your circumstances. Where private cover is needed at this stage, we can arrange the appropriate Sanitas Visado policy with a start date that fits your plans.

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At a glanceDNV
Before RETA registrationDepends on your circumstances
Where private is neededResidents Visado
Start dateAgreed, can be future-dated
Once registeredReview; public + private alongside
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

What Cover Applies Before You Register?

Before RETA registration your position depends on your circumstances. You may have another recognised entitlement or a coordination arrangement, or you may need qualifying private cover for this stage. Where private cover is needed, we arrange the appropriate Sanitas Visado policy — and review the position again once you're registered.

Timing

Arrange Cover With an Agreed Start Date

Where private cover is needed before RETA or another healthcare entitlement begins, we can arrange the appropriate Sanitas Visado policy with an agreed start date, including a future date where appropriate. Once you register and pay into Spanish Social Security, public healthcare may cover your core needs, with private healthcare used alongside public healthcare for faster access and English-speaking support.

Sanitas Visado cover

When Private Insurance Is Needed — Sanitas Visado Cover

Where a private policy is needed before you register, two Sanitas policies are designed for the DNV, and both give you comprehensive private healthcare in Spain from your agreed start date.

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 for this stage, with a start date arranged around your plans.

  • Help identifying the right DNV route
  • Cover for the pre-registration stage
  • A start date arranged around your plans
  • Sanitas Residents Visado & Residents Platinum Visado
  • Certificate provided in English for the application
  • 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.

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FAQs

DNV Cover Before RETA Registration FAQs

Common questions for self-employed Digital Nomad Visa applicants.

Before RETA registration your position depends on your circumstances — you may have another recognised entitlement or a coordination arrangement, or you may need qualifying private cover for this stage. Where private cover is needed, we arrange the appropriate Sanitas Visado policy.
Yes. We can arrange a start date that fits your plans, including a future date so your cover is in place in time for your move and your application.
Once you're registered and paying Social Security, Spanish public healthcare may cover your core needs, and private healthcare can be used alongside public healthcare. We review the position with you at that point.
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 worldwide reimbursement, USA Cover and higher emergency cover abroad. We'll advise based on where you'll live and travel.

Related Guides & Next Steps

Digital Nomad Visa

DNV family cover (self-employed)After DNV approvalSelf-employed DNV health insuranceAutónomo: Social Security or privateDNV health insuranceDNV requirementsEmployee vs self-employed

Sanitas Visado cover

Sanitas Residents VisadoResidents Platinum VisadoResidents vs Residents Platinum

Get started

Get a personalised quoteAutónomo health insuranceSpeak to an adviser