Health insurance for New Zealand citizens applying for the Spanish Non-Lucrative Visa — what the consulate expects, why home-country and travel insurance fall short, the right Sanitas cover, certificate and start date. We help with the insurance only.
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Why it matters
For the Spanish NLV, New Zealand citizens need comprehensive private health insurance valid in Spain with no co-payments and the right certificate. New Zealand public healthcare and travel insurance do not qualify for residence. We arrange suitable Sanitas cover (usually Residents or Residents Platinum) and the certificate.
If you are a New Zealand citizen applying for the Spanish Non-Lucrative Visa (NLV), you generally need comprehensive private health insurance from an insurer authorised in Spain as part of your application. New Zealand citizens are non-EU for Spanish residence purposes, so you cannot rely on New Zealand public healthcare once you live in Spain — you need cover that meets the visa requirements and produces the right certificate.
Consulate
For the NLV, consulates typically expect comprehensive cover valid in Spain, usually no co-payments, no waiting periods that leave gaps, an insurer authorised in Spain, and a certificate showing the insured person, cover and validity dates. New Zealand applicants usually apply through the Spanish Embassy/Consulate covering New Zealand — confirm your jurisdiction before applying.
Not enough
New Zealand public healthcare does not cover you living in Spain, and there is no reciprocal arrangement that provides residence cover in Spain. Travel insurance is for trips, not residence, and will not meet the visa requirement or produce a residence certificate. New Zealand applicants need a comprehensive Spanish residence policy from an insurer authorised in Spain, with the right certificate.
Plan choice
Two Sanitas plans come up repeatedly for New Zealand Non-Lucrative Visa applicants: Sanitas Residents and Sanitas Residents Platinum. Both are built for non-EU residency applications rather than general healthcare, which is why they tend to be the starting point rather than the wider Más Salud range.
The choice between them is usually about how much of your life stays outside Spain. Residents covers you thoroughly within the Spanish network and handles emergencies while you travel. Platinum extends that to planned treatment abroad and adds dental reimbursement and a pharmacy benefit — useful if you expect to spend meaningful time back in New Zealand or elsewhere.
| Sanitas Residents | Sanitas Residents Platinum | |
|---|---|---|
| Designed for | Non-EU visa and residency applicants | Non-EU applicants wanting wider cover, including outside Spain |
| Cover in Spain | Full access to the Sanitas medical network | Full access to the Sanitas medical network |
| Emergency cover abroad | Up to €12,000 per insured per year worldwide, with a limit on consecutive days away | Up to €30,000 per insured per year |
| Treatment outside Spain | Emergency cover only | Adds worldwide reimbursement — 90% of eligible costs up to €500,000 per insured per year |
| Dental | Sanitas Dental 21 included | Dental reimbursement — 80% up to €400 per insured per year in Spain |
| Pharmacy | Not included | 50% up to €300 per insured per year |
| Maximum contracting age | Higher — more open to older applicants | Lower — needs checking before you apply |
Plan features, limits and waiting periods are subject to the current Sanitas policy terms and to acceptance. We confirm the details that apply to your own case before you commit to anything.
Not sure which of the two fits your NLV application?
Send us your age, where you are moving to and roughly when you plan to apply. We will confirm which of these is actually open to you and what it would cost.
Compare Residents and Platinum →Work rule
The NLV does not permit working in Spain — it is for people supporting themselves on savings, a pension or other passive income. If you intend to work remotely, the Digital Nomad Visa is the right route instead.
Certificate
The certificate must name the insured person and show comprehensive cover valid in Spain, no co-payments where expected, an insurer authorised in Spain, and validity dates. A quote or receipt is not a certificate — it is issued once the policy is in force. A policy can usually be arranged in advance with a future start month timed to your move. See the certificate page.
No NIE yet
You do not need an NIE or a Spanish bank account to arrange the cover — many New Zealand applicants take out the policy before the consulate appointment so the certificate is ready. We can set this up for you in English and time the start date to your application.
Families
Everyone who needs to appear on the application is assessed in their own right. A partner and children are not automatically covered by the main applicant’s policy — each person is underwritten separately, and each must be named on the documentation the authorities see. A certificate showing only one adult is one of the more common reasons a family file gets queried.
Ages matter here too. Because maximum contracting ages differ between Sanitas plans, it is entirely possible for a couple to end up looking at different plans, particularly where there is an age gap. Children are usually straightforward, but they still need to be added deliberately rather than assumed.
Start dates need to line up as well. If one family member’s cover begins a month after everyone else’s, the paperwork will show a gap for that person. We coordinate the dates across the whole family so the file reads consistently.
Retirees
The NLV is popular with retired New Zealand applicants living on a pension and savings. Cover for older applicants is arranged privately, and acceptance and exact terms depend on age and any health declaration. Many over-60s are insured successfully — we are honest about what is realistic and find the most suitable option. See retiree health insurance.
Medical history
Sanitas assesses medical history individually. A health declaration forms part of the application, and the outcome depends on what it contains: some conditions are accepted on standard terms, some are accepted with specific exclusions, some prompt a request for further medical information, and some result in a decline. Acceptance is never automatic and we will not tell you otherwise.
What helps is preparation. Knowing your diagnosis dates, current medication and doses, when you were last treated or reviewed, and whether you are under ongoing investigation makes the assessment faster and the answer more reliable. Declaring everything honestly matters more than it might seem — an undeclared condition can affect a claim long after the policy starts.
Do not cancel any cover you already hold until the new policy has been reviewed, accepted and given a confirmed start date. That single mistake causes more problems than the medical history itself.
Avoid these
Most NLV insurance problems are process problems rather than product problems. These are the ones we see most often from New Zealand applicants.
Read more
This page covers the health-insurance part for New Zealand NLV applicants. To understand the whole visa route, read the Non-Lucrative Visa guide. For the main commercial page, see Non-Lucrative Visa health insurance. For a general overview of cover for your nationality, see Sanitas health insurance for New Zealand expats, and for students student cover for New Zealand students.
How we help
We are English-speaking Sanitas specialists. We match a suitable policy to your NLV, get the certificate wording right, and time the start date to your move. Get a personalised quote.
Important information
The process
Most people arrive here unsure whether they are ready to buy anything. You do not have to be — the first two steps cost nothing and commit you to nothing.
Extremely helpful with getting everything needed for visa application on such short notice! Stephen was amazing and he was able to get everything sorted out in a day and a half! He is so responsive and informative and eased a lot of anxiety!
Lena F. · Verified Google review
No. There is no additional fee for using our service — our remuneration is paid by Sanitas. We will confirm the exact premium for your circumstances when we prepare your quote.
We help you choose the right plan, explain the differences, assist with the application, help with visa certificates where applicable, and remain your point of contact after your policy starts.
Yes. We are an Official Exclusive Sanitas Agent and work directly with Sanitas.
Yes. We are native English-speaking advisers and handle everything in English, from your first enquiry through to your policy and its renewal.
Yes. Once your policy is active you can use all normal Sanitas services, including the Mi Sanitas app, customer service and your local medical network. We are also here if you need assistance.
Sanitas sets the premiums. We do not create special pricing, but we can help make sure you are applying for the most suitable plan for your circumstances.
Why request a quote from us?
Tell us your situation and we will arrange suitable Sanitas cover for your Non-Lucrative Visa, 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.
Whether you are applying for a Non-Lucrative Visa, moving to Spain permanently, retiring, studying or working remotely, we will help you compare the right Sanitas options in English.