Are you planning to move to Spain for residency, work, study or retirement? Then it’s essential to understand the health insurance requirements established by Spanish immigration law. One of the key conditions: having a private health insurance policy that complies with the visa or residency criteria. In this article, we’ll guide you through everything you need to know.
Why do you need health insurance for a visa or residency in Spain?
Spain requires non-EU nationals to have a private health insurance policy with no co-payments, no waiting periods and full coverage throughout Spain. This requirement applies to:
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Initial visa applications (residency, student, digital nomad, non-lucrative, etc.)
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NIE or TIE (residency permit) renewals
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Long-term residency and family reunification
This type of insurance ensures immediate access to medical care and hospitalisation without relying on the public health system (Seguridad Social).
What requirements must your health insurance meet?
To be accepted by the Spanish immigration authorities or consulates, your health insurance policy must meet all of the following conditions:
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✅ No co-payments (sin copagos)
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✅ No waiting periods (sin carencias)
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✅ Comprehensive cover: GP, specialists, hospitalisation, emergencies
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✅ Valid throughout the entire Spanish territory
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✅ Valid for at least 12 months
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✅ Renewable
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✅ Issued by a recognised insurer authorised in Spain
💡 Tip: Not all private health policies meet these standards. Make sure to choose one that is specifically valid for visa and residency procedures.
Why choose C1 Broker for your health insurance?
At C1 Broker, we specialise in health insurance for expats and immigration procedures. We work with top insurers in Spain, including:
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DKV
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AXA
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Asisa
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Allianz
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Adeslas
🔍 We compare policies for you to find the best price and coverage that complies with immigration law. With more than 26 years of experience, we are an innovative insurtech, and our multilingual team speaks English, German, French, Portuguese, and Spanish.
Typical situations where our insurance is accepted
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Non-lucrative visa
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Student visa
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Digital nomad visa
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Family reunification visa
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NIE or TIE renewals
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Residency for retirees and pensioners (e.g. British or Latin American nationals)
💬 Client Testimonial
“Thanks to C1 Broker, I received my health insurance certificate within 24 hours and they helped me prepare the documentation for my visa. The process was smooth and stress-free.”
— Helen B., British client in Valencia
What documents do I need for my visa application?
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Valid passport
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Health insurance certificate
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Coverage letter from the insurer
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Application form
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Proof of financial means
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Proof of accommodation or registration (empadronamiento)
📩 At C1 Broker, we provide you with all the insurance documents required by immigration offices or Spanish consulates.
Peace of mind guaranteed
All our visa-approved health policies include:
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Full medical coverage from day one
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No hidden exclusions
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Renewable terms
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Multilingual support
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Dedicated after-sales assistance
Get insured today and take the first step towards your new life in Spain
Your policy will be issued within 24 hours — ready for your visa or residency application.
📌 Fill in the form below and receive your personalised quote with no obligation.
