Health insurance is mandatory for every Non-Lucrative Visa application. We help thousands of NLV applicants secure consulate-approved Sanitas plans that guarantee acceptance, with instant English certificates and coverage starting from arrival.
Sanitas is part of Bupa, serving over 2.9 million members across Spain. The go-to insurer for Non-Lucrative Visa applicants — consulate-approved plans, same-day Spanish certificates, and full English support.
Spanish consulates worldwide have specific health insurance requirements for Non-Lucrative Visa applications. Your policy must meet all criteria to avoid rejection.
Comprehensive inpatient, outpatient, emergency, and prescription medication coverage. Cannot exclude specific regions or pre-existing conditions for visa purposes.
Consulates prefer plans with zero copayments or explicitly state no maximum copay limits. Per-visit charges can result in rejections from conservative consulates.
Your policy must include repatriation cover — the cost of returning you to your home country in the event of a serious medical emergency or death. This is a mandatory consulate requirement and is included as standard on all NLV-approved Sanitas plans.
All policies must be valid for at least 12 months from your arrival date in Spain. Annual renewal is expected; multiyear policies show strong commitment.
Coverage must be active from your intended Spanish residency start date, not from application date. Retroactive coverage is not accepted.
Your cover must be active immediately from the policy start date. Plans with waiting periods for specialist access, hospital admission, or diagnostics are not accepted — coverage must be full and unrestricted from day one.
Sanitas issues your insurance certificate directly in Spanish. This means you can submit it to your consulate without translation or apostille — saving you time and cost. Most consulates accept our certificates without any additional documentation.
Your policy must provide full coverage across all of Spain — not limited to specific regions or cities. Consulates reject plans that exclude cover in particular provinces or that only cover private clinics in certain areas.
For visa certificate purposes, your plan must state that it provides comprehensive medical cover. Sanitas Residents and Residents Platinum both meet this requirement and provide the correct consulate-accepted wording on your certificate.
Sanitas is Spain's largest private health insurer and specifically designed to meet Non-Lucrative Visa insurance requirements. Here's why thousands of NLV applicants trust Sanitas for their visa applications.
Only Sanitas Residents and Sanitas Residents Platinum are approved for NLV and DNV visa applications. Both plans meet all consulate requirements with zero copayments, repatriation cover, and same-day English certificates.
Designed specifically for NLV & DNV visa applicants. Full coverage, zero copayments, from day one.
The most comprehensive NLV plan available — for applicants up to age 64 seeking complete peace of mind at the consulate.
Only Sanitas Residents and Sanitas Residents Platinum are approved for NLV visa applications. Use this comparison to choose the right plan for your age and coverage needs.
| Feature | Residents | Residents Platinum |
|---|---|---|
| Monthly Cost | From €67.76 | From €107.23/mo |
| Copayments | None | None |
| Repatriation | Included | Included |
| Dental Coverage | Dental 21 | Milenium Premium |
| Telemedicine (Blua) | Included | Included |
| English Certificates | Same Day | Same Day |
| Vision Coverage | Optional Extra | Included |
| Consulate Approval | Visa Approved | Visa Approved |
| Physiotherapy | Not Included | Unlimited Sessions |
| International Coverage | Spain Only | Included |
| Personal Health Manager | Not Included | Assigned |
Getting your Sanitas insurance certificate for your NLV visa application is straightforward and fast. Most applicants receive their English certificate within 24 hours.
Choose between Sanitas Residents (most popular, from €67.76/month) or Sanitas Residents Platinum (premium, for over-55 applicants). Both are fully approved for NLV visa applications. Our NLV experts can help you decide.
We complete the Sanitas application on your behalf. No NIE required — just your passport. Payment by bank transfer or credit card is accepted. The process takes around 10–15 minutes and we guide you through every step.
Applicants without pre-existing conditions typically receive instant policy confirmation by email. Coverage begins on your chosen start date — no waiting periods apply.
Once payment is made, we send your certificate or you can download it directly from your Sanitas account. The certificate is issued in Spanish — so you submit it to the consulate without translation or apostille. An English version is also available.
Attach the Spanish certificate to your NLV application. Consulates recognize Sanitas as meeting all requirements. No follow-up documentation usually needed.
Once your NLV visa is approved, your Sanitas coverage is fully active from your arrival date in Spain. Full access to 4,500+ clinics and 58,000+ medical professionals nationwide.
We've helped thousands of NLV applicants succeed. Here are the most common insurance-related rejections and how to avoid them.
Applying with travel insurance, expat insurance without consulate approval, or policies not covering repatriation. Sanitas Residents is specifically designed for NLV visa requirements.
Insurance that doesn't cover specific regions (like Ceuta/Melilla) or excludes pre-existing conditions. Consulates require blanket coverage across all of Spain.
Policies with copayments concern conservative consulates. They view no-copay as stronger evidence of financial security. Choose Sanitas Residents or Residents Platinum — both are zero-copay and fully visa-approved.
Insurance valid for less than 12 months. Consulates require full-year minimum coverage. Some even prefer multiyear policies showing commitment to Spain.
Forgetting to verify repatriation is included. Most consulates specifically check this. All Sanitas NLV plans include repatriation as standard.
Some consulates struggle reviewing Spanish-only documents. English certificates streamline approval. Sanitas provides bilingual documents instantly.
Different Spanish consulates have slightly different preferences. Some prefer no-copay plans strongly, others accept copay plans. Before applying, verify your consulate's exact stance. We can help match your plan to your specific consulate's requirements.
Your NLV visa is typically granted for 1–2 years. Your Sanitas insurance must remain active throughout your non-lucrative residency. Here's how to manage renewal.
Sanitas sends renewal notices 30 days before expiration. You can renew online in minutes. Ensure continuous coverage by renewing before the policy ends.
Some applicants choose 2–3 year policies to avoid annual renewals. This locks in current pricing and guarantees continuous coverage during your NLV period.
Renewal premiums may increase slightly with age. Sanitas offers fixed rates for multiyear policies. Planning ahead prevents surprises and budget issues.
Gaps in coverage can trigger issues with Spanish authorities and your residency status. Set renewal reminders months in advance. Sanitas makes automatic renewal easy.
Once you obtain your NIE, Sanitas links it to your account. This strengthens your residency records and simplifies future renewals and address changes.
When extending your NLV visa, you'll need proof of continuous insurance. Sanitas provides historical coverage documentation instantly for extension applications.
Yes. Sanitas Residents and other NLV plans do not require a NIE number to apply. You can enroll entirely online and pay by SEPA transfer or international credit card. Your NIE is only needed later for Spanish tax and legal registration, not for insurance enrollment.
Once payment is made, we send your certificate or you can download it directly from your Sanitas account. It is issued in Spanish — no translation or apostille required for the consulate. An English version is also provided. Most applicants receive their certificate the same day.
Yes. Sanitas Residents is specifically designed for NLV visa applicants and meets requirements from all major Spanish consulates worldwide. It includes no-copay coverage, repatriation, full medical coverage, and coverage from your intended arrival date. Consulates routinely approve NLV applications with Residents coverage.
Repatriation coverage pays for the transportation of your deceased body back to your home country if you pass away while in Spain. Consulates include this requirement to ensure Spain doesn't bear the cost of your burial or cremation, which is why it's non-negotiable. All Sanitas NLV plans include this as standard.
No — we strongly advise against using a copayment plan for your NLV visa. Conservative consulates view copayment requirements negatively, interpreting them as a limitation on your financial security. Only Sanitas Residents and Sanitas Residents Platinum are approved for visa applications — both include zero copayments, giving you the strongest possible application.
No. Consulates require Spanish-authorized health insurance covering Spain exclusively. International travel insurance or home country plans are rejected. You must enroll with a Spanish insurer like Sanitas. This ensures you have coverage within Spain's healthcare system and meets regulatory requirements.
Coverage gaps weaken your visa application. Most visa approvals take 1–3 months. We recommend enrolling in a policy that covers at least 6 months beyond your application date. Multiyear policies protect against this risk entirely and show consulates strong commitment to your NLV status.
No. Your Sanitas policy continues seamlessly after you arrive and obtain your NIE. You can link your NIE to your account online. No plan switching is necessary unless you want to upgrade to a better plan, which you can do anytime.
Yes. You can upgrade from Residents to Residents Platinum mid-policy if your needs change. The new plan takes effect immediately, and Sanitas credits any unused premium from your previous plan. Note that only Residents and Residents Platinum are approved for NLV visa applications — other Sanitas plans are not accepted by consulates for visa purposes.
Family pricing varies and multiline discounts may be available when multiple family members enroll together. For NLV visa purposes, all family members must be on Sanitas Residents or Residents Platinum. Contact us for custom family quotes — we can often secure meaningful savings compared to individual policies.
Blua is Sanitas's 24/7 video doctor service. You can consult English-speaking doctors from home via video call, chat, or phone. It's included with both Sanitas Residents and Residents Platinum — the two visa-approved plans for NLV applicants. This is especially valuable when you first arrive in Spain before establishing relationships with local doctors.
Tell us about your situation and we'll send you exact pricing for the visa-approved Sanitas plans — or recommend the best fit if you're unsure. 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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