Expat Insurance in Spain: Essential Coverage for People Moving to Spain

Moving to Spain as an expat comes with exciting opportunities, from enjoying the Mediterranean lifestyle to experiencing rich cultural traditions. However, one crucial aspect of relocating is securing comprehensive health insurance, especially if you’re applying for a visa, such as the Non-Lucrative Visa (NLV), Digital Nomad Visa, or Golden Visa.

Why Do Expats in Spain Need Private Health Insurance?

While Spain has an excellent public healthcare system, access is typically reserved for residents who contribute to social security through employment or self-employment. If you’re an expat without social security contributions, private health insurance is a mandatory requirement for visa applications and ensures you receive top-quality medical care without delays.

For expat-friendly visa-compliant health insurance, visit InnoInsure, a trusted provider offering plans tailored to Spanish visa applicants.

Key Features of Expat Health Insurance in Spain

When choosing an insurance plan, ensure it meets the following criteria:

✔ Full Coverage – The policy should cover primary care, specialists, hospitalization, and emergency services.
✔ No Copayments – Many Spanish consulates require a policy with zero copayments (i.e., no out-of-pocket expenses for medical visits).
✔ No Waiting Periods – If you’re applying for a visa, you need a plan that covers you immediately upon arrival.
✔ Repatriation Coverage – Some visa types may require repatriation in case of severe illness or death.
✔ Licensed Spanish Provider – The insurance must be from a company authorized to operate in Spain.

How Much Does Expat Health Insurance Cost in Spain?

The cost of private health insurance varies depending on age, coverage level, and provider. On average:

• Individuals (30-50 years old): €50 – €120 per month
• Families: €150 – €300 per month
• Retirees (65+ years old): €150 – €400 per month

For accurate quotes based on your needs, check out InnoInsure.

Best Health Insurance for Visa Applications

If you are applying for a Non-Lucrative Visa, Digital Nomad Visa, or any long-term residency permit, your policy must strictly comply with Spanish immigration requirements. Choosing a specialized expat insurer ensures that your application is not rejected due to inadequate coverage.

InnoInsure offers visa-compliant insurance policies with no copayments and immediate coverage. Learn more here.

How to Get Covered in 3 Simple Steps

1️⃣ Compare Plans – Research and select a visa-approved health insurance policy.
2️⃣ Apply Online – Many insurers allow quick online applications with digital documentation.
3️⃣ Receive Your Policy Certificate – Once approved, you will receive an official insurance certificate to include in your visa application.

Final Thoughts

Whether you’re moving to Spain for retirement, work, or an extended stay, private health insurance is essential for visa approval and peace of mind. Ensure you get comprehensive, immigration-compliant coverage from a trusted provider like InnoInsure.

By securing the right insurance, you can enjoy Spain’s incredible healthcare system while meeting all residency requirements hassle-free.