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Get a Quote →Complete guide to obtaining your Non-Lucrative visa renewal health insurance certificate. Learn the differences from first-time applications, required timelines, what certificates must include, and how Sanitas handles automatic renewals.
When you renew your Non-Lucrative Visa — typically at year 1 and year 3 — you must provide an updated health insurance certificate proving your coverage has continued without interruption. We will prepare and send the available policy documentation once the renewal request and policy checks are complete. It can then be downloaded from the Mi Sanitas app.
Spanish consulates won't accept certificates requested too early or too late. Follow this timeline to stay on track.
Sanitas emails you and notifies you in Mi Sanitas app at least 60 days before expiry. Your plan renews automatically — no action needed.
Log into Mi Sanitas and download your updated renewal certificate once the renewal is confirmed.
Collect your certificate, bank statements showing annual premium payment, and any other documents your consulate requires.
Submit your full NLV renewal application. Allow enough time for the consulate to process before your visa expiry date.
Spanish consulates check renewal certificates carefully. Every element below must be present or the application may be returned.
Your legal name (matching passport exactly) and NIE or passport number. Any spelling discrepancy can trigger a rejection.
Start and end dates showing active cover at least until your visa renewal date, with no gaps from the previous policy.
Your exact plan name (e.g. Sanitas Residents) and policy number so the consulate can verify NLV compliance.
Explicit confirmation of hospitalisation, emergency, specialist, repatriation, and zero waiting periods. Generic wording may not be accepted.
The maximum contracting age applies when taking out a new policy. Continued cover and renewal are governed by the policy terms, payment status and notice provisions. If updated documentation is needed for a visa renewal, it can be requested for an active policy. The documentation available depends on the policy's current status and terms. Pre-existing conditions are assessed individually at underwriting.
If applying at a non-Spanish consulate, an English version is usually required. Sanitas issues both Spanish and English simultaneously.
Sanitas plans renew automatically. Here's what happens at renewal.
Sanitas notifies you by email and in the Mi Sanitas app at least 60 days before your policy expires. Your plan then renews automatically, without a new application.
Once the renewal request and policy checks are complete, your updated certificate is available from the Mi Sanitas app. A physical copy can be requested by post.
Your renewal certificate is available in the Mi Sanitas app once the renewal is confirmed. We can also send it to you by email on request.
Your certificate can be downloaded from Mi Sanitas at any time after renewal is confirmed — there's no waiting period. You can also request it from us by email and we'll send it straight to you.
If switching insurer, the new policy should start on the day the old one ends. Sanitas plans renew automatically, which is designed to avoid a gap in cover.
Sanitas issues certificates in Spanish as standard — this is what your consulate requires. An English version is also available simultaneously in Mi Sanitas if you need one for your own reference.
Contact Sanitas to request an updated certificate explicitly listing all NLV-required coverages. Sanitas certificates are pre-formatted to meet consulate requirements.
These plans include automatic renewal and integrated certificate systems specifically designed for NLV visa holders.
We will prepare and send the available policy documentation once the renewal request and policy checks are complete. Once your renewal is confirmed, the updated certificate can be downloaded from the Mi Sanitas app, or contact us and we can send it to you by email.
No. The policy and its documentation should accurately reflect the effective date of cover. Request it only after your renewal has been confirmed and activated. If updated documentation is needed for a visa renewal, it can be requested for an active policy. The documentation available depends on the policy's current status and terms.
Contact your insurer straight away and ask for a corrected certificate. Ask the insurer what updated documents are available and whether any administrative conditions apply. If the error is minor, such as an accent in a name, some consulates will accept it with a written explanation, but a corrected certificate is safer.
Renewal-document requirements and checks can vary by consulate and immigration office. Incomplete or inconsistent documentation may delay an application or lead to further evidence being requested, so confirm the current requirements applying to your renewal. Some accept digital certificates while others ask for a physical sealed copy, so request both if you are unsure.
Yes, but switching requires careful planning. Your new policy documentation will cover the period from its effective date. You should be able to show that your previous cover ran continuously up to the switch date and that the new policy continues from that date with no gap. Ask your previous insurer for a letter confirming the dates of cover.
Some consulates request bank statements or payment receipts covering the period of your visa. Ask the insurer what updated documents are available and whether any administrative conditions apply. Request them at the same time as your certificate. This is a routine check and does not indicate a problem.
Yes. If you have moved to a different city or country, you can usually renew at another Spanish consulate. Renewal-document requirements and checks can vary by consulate and immigration office. Incomplete or inconsistent documentation may delay an application or lead to further evidence being requested, so confirm the current requirements applying to your renewal.
A gap in cover is a serious problem for an NLV renewal. Renewal-document requirements and checks can vary by consulate and immigration office. Incomplete or inconsistent documentation may delay an application or lead to further evidence being requested, so confirm the current requirements applying to your renewal. If your cover has lapsed, contact us straight away so we can look at the options for putting compliant cover in place. The policy and its documentation should accurately reflect the effective date of cover.
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.
Our NLV specialists will match you to the right plan for your specific consulate and circumstances — at no extra cost.
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