NLV Health Insurance Certificate 2026 | Obtain

NLV Certificate 2026

Get Your NLV Health Insurance Certificate

Complete guide to obtaining and submitting health insurance certificates for Non-Lucrative Visa applications. Digital and official policy documentation in English and Spanish.

📄 Policy Documentation

🌐 English & Spanish

✓ Visa Approved

See Process Get Certificate

WHAT YOU NEED

NLV Certificate Requirements

Spanish consulates require a health insurance certificate as proof of coverage. The certificate must confirm specific details about your insurance policy to meet visa requirements.

What Consulates Check

✓ Coverage in Spain (not just Europe)
✓ No co-payments on treatment
✓ Insurer authorised to operate in Spain
✓ Repatriation insurance included
✓ Medical, hospital, and dental coverage
✓ Continuous coverage for visa duration

Sanitas Certificates Include

✓ The policy details consulates commonly ask for
✓ Digital (PDF) and official versions
✓ English and Spanish available
✓ Issued once the policy is active
✓ Additional copies can be requested
✓ Valid for entire visa period

HOW IT WORKS

Certificate Process Explained

From enrollment to consulate submission, here's exactly how the NLV certificate process works with Sanitas.

Get a Quote

Start by requesting a personalised quote. Tell us your age, province, and how many people need cover. We'll confirm the exact monthly price and which plan is right for your consulate and circumstances.

Apply for Your Policy

Submit your application online in minutes. You'll receive your completed application by email — review it, then receive a one-time SMS code to digitally sign and confirm. No paperwork, no in-person visit required.

Policy Decision

No pre-existing conditions: Your policy can be set up without further medical review, and Sanitas then prepares your policy documentation.

Pre-existing conditions: Your application is placed on hold while Sanitas's medical underwriters contact you directly to go over your health history and confirm what can be covered.

Receive Your Certificate

We will prepare and send the available policy documentation once the application and policy setup are complete. It is sent by email as a PDF, and you can also download it from the Mi Sanitas app. Both English and Spanish versions are available.

Submit to Consulate

Attach your certificate to your NLV visa application. Digital PDF is accepted by most consulates. Some may request official printed copies — Sanitas can provide these. Include the certificate with your complete visa application package.

Renewals — Year 1 & Year 3

Your policy renews automatically each year with no action needed. When your NLV visa comes up for renewal — typically at year 1 and year 3 — request an updated certificate from Sanitas showing the new policy period.

CERTIFICATE DETAILS

What Your Certificate Must Include

Sanitas certificates explicitly state all the information Spanish consulates verify when reviewing NLV applications.

Medical Coverage Details

Certificate must state insurance covers: general practitioner visits, specialist consultations, emergency room, hospital admission and treatment, diagnostic tests (blood work, X-rays, ultrasound, MRI, CT scans), surgery and anesthesia, prescription medications, mental health services, and maternity care. Sanitas Residents covers all these with zero copayments from day one.

Age & Renewal

The certificate confirms there is no upper age limit for renewal — once your policy is active, it renews indefinitely regardless of age. Sanitas Residents accepts new applicants up to age 75; Residents Platinum up to age 64. Pre-existing conditions are assessed individually at the underwriting stage — not all conditions are automatically covered.

Repatriation Cover

Certificate must confirm repatriation coverage (medical evacuation and transport to your home country if needed) and repatriation of remains if you pass away abroad. This is a key requirement consulates check for, as it demonstrates commitment to safe repatriation if you can no longer care for yourself in Spain.

Coverage Territory & Validity

Certificate explicitly states coverage is valid throughout Spain and specifies the policy period (usually annual, renewable). It confirms the insurance is active and valid on the date of application and will remain valid for the duration of your visa.

RECOMMENDED PLANS

Plans With Approved Certificates

Both of these Sanitas plans provide certificates setting out the policy details normally required for NLV applications. Sanitas Residents documents state a maximum contracting age of 75, while Residents Platinum documents state a maximum contracting age of 64. Eligibility at the exact cut-off age should be confirmed before applying.

Sanitas Residents

Standard plan with full NLV certificate coverage. Accepted for Spanish visa and residency applications.

From €67.76 /month

✓ Certificate issued once the policy is active
✓ English & Spanish versions
✓ Maximum contracting age 75
✓ Repatriation included
✓ Visa-compliant cover

Certificate: Sets out the policy details consulates commonly ask for

Learn More Get Quote

Premium

Sanitas Residents Platinum

Enhanced plan with same certificate plus premium benefits.

From €107.23 /month

✓ Same certificate documentation
✓ Enhanced medical coverage
✓ Premium repatriation
✓ Private hospital rooms
✓ Maximum contracting age 64

Certificate: Same documentation as Sanitas Residents

Learn More Get Quote

TIMING & PROCESSING

Certificate Timeline

Here's how the process works, from application through to consulate submission.

Application reviewed

Apply online with your personal details, age, nationality and proof of address.

Enrolment and payment confirmed

Sanitas confirms the enrolment and processes the payment, and you receive a confirmation email.

Policy documentation issued

The available policy documentation is issued and sent by email as a digital PDF. Printed copies can be requested.

Pro Timing Tip

Start your enrollment at least 4-6 weeks before your consulate interview. This gives the documentation time to arrive before your visa appointment and shows that you have met the requirements early.

CERTIFICATE FAQs

Common Certificate Questions

Answers to frequently asked questions about NLV health insurance certificates and consulate requirements.

What should an NLV health insurance certificate include?

The documentation confirms the policy's cover, no-copayment structure, repatriation cover and period of validity. Any exclusions or conditions applied during underwriting form part of the individual policy documentation. It should also specify the policyholder's name, the policy dates and the coverage area. Sanitas Residents and Sanitas Residents Platinum documentation sets out these policy details. Requirements are set by each consulate and can vary, so check the specific requirements of the consulate handling your application.

How long does it take to get an NLV certificate?

We will prepare and send the available policy documentation once the application and policy setup are complete. You receive both English and Spanish versions by email, and printed copies can be requested if your consulate asks for them. Timescales depend on when the application is completed and the policy is confirmed, so start the process well before your appointment.

Do I need original or digital certificates?

Most Spanish consulates accept digital (PDF) certificates from Sanitas. Some consulates, or specific applications, may request official printed and certified copies, which Sanitas can mail to you. Requirements are set by each consulate and can vary, so check the specific requirements of the consulate handling your application.

Can I get a certificate before completing enrollment?

No. Consulates require active insurance, not just a quote. You must complete full enrollment and payment first. This ensures the consulate can verify your actual coverage if they follow up. Sanitas issues certificates only for active policies that have been fully confirmed and paid.

What if my consulate requests a specific format?

Sanitas provides certificates in a range of formats and languages, including digital PDF, printed official copies, and Spanish, English, French, German and Italian versions. Contact us if the consulate handling your application has specific formatting requirements and we will help you request the documentation in the format asked for.

Can I get multiple certificate copies?

If you need another copy of your policy documentation, contact us and we will help you request the available documents. This is useful if you are applying at more than one consulate, need a backup copy, or are applying as a family.

How often do I need a new certificate?

Typically once per visa renewal (every 2-3 years). Your insurance automatically renews annually on your enrollment anniversary, and new certificates are automatically issued. When your NLV visa renewal date approaches, request an updated certificate showing the new policy period. This is automatic with Sanitas.

What if the consulate rejects my certificate?

Requirements are set by each consulate and can vary, so check the specific requirements of the consulate handling your application. If a certificate is queried or rejected, contact us with the reason given and we will work with Sanitas to provide the documentation in the format requested.

Get Your Personalised Quote

Tell us about your situation and we'll send you an exact price — or suggest the best alternative if there's a better fit. No obligation, no hard sell.

Exact price based on your age & province
Cover starts on the date you choose
English-speaking advisors
Certificate issued once the policy is active
Help with the documents your consulate asks for

Request a Quote — NLV Insurance

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Not Sure Which Plan Is Right for You?

Our NLV specialists will match you to the right plan for your specific consulate and circumstances — at no extra cost.

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