Health Insurance for Visas and Residence Permits in Spain
C1 Broker – Specialists in Insurance for Expats and Foreign Residents in Spain
Planning to move to Spain and need health insurance for your visa or residence permit?
At C1 Broker, we help you meet all the requirements set by Spanish immigration offices and consulates. We are experts in insurance for expats and foreign residents, offering a health insurance policy with no co-payments, no waiting periods, and full coverage from day one.
With us, taking out your health insurance to legally reside in Spain is simple, fast, and 100% compliant for your visa or NIE application.
At C1 Broker, we help you choose the right health insurance to ensure your residence application is a success
We work with the leading health insurance companies in Spain – including DKV, AXA, Asisa, Adeslas, and Mapfre – to offer tailored health insurance options for visa and residence permit applications. Our team carefully analyses your individual situation to recommend the most suitable product that fully meets the legal requirements set by Spanish immigration authorities and consulates.
One of our top products is the DKV Visa Option – a private medical insurance specifically designed for foreigners who want to reside in Spain legally and securely.
🩺 What is the DKV Visa Option for?
This policy is designed to comply with all legal obligations established by Spanish immigration law, and is valid for:
Applying for long-stay visas (over 90 days)
Processing residence permits for both EU and non-EU citizens
It meets all the required conditions: No co-payments, No waiting periods, Full coverage from day one and Mandatory annual duration.
Who is this for?
Foreign nationals who are not eligible for public healthcare in Spain and need private health insurance to obtain a visa or residence permit
EU/EEA citizens who are required to register as legal residents in Spain
Key Features and Benefits of the DKV Visa Option
| Feature | Included |
|---|---|
| Full medical coverage with no co-payments and no waiting periods | ✅ |
| Mandatory annual contract (minimum 1 year) | ✅ |
| One-time annual payment (card payment accepted if you don’t have a Spanish bank account) | ✅ |
| Ad Hoc Certificate in Spanish, valid for immigration offices and consulates | ✅ |
| Top-tier medical network: over 51,000 specialists and 1,000+ clinics across Spain | ✅ |
| Dental cover included at no extra cost | ✅ |
| Worldwide travel assistance for up to 180 days (up to €30,000 per emergency) | ✅ |
| Access to digital healthcare tools via the apps Quiero Cuidarme Más and Activa DKV | ✅ |
| Daily hospitalisation compensation outside the medical network: €80/day (up to €2,400) | ✅ |
What Our Clients Say
Apply now for your visa health insurance!
Ready to take out your health insurance for your visa?
At C1 Broker, we’ll help you secure the no co-payment, no waiting period, and fully comprehensive health insurance you need to ensure your visa or residence permit application in Spain is a success.
We work with trusted insurers like DKV, Allianz, Asisa, and more to always offer you the most suitable option.
📞 Free, no-obligation advice – with friendly, expert support every step of the way.
👉 Request your personalised quote now and take the first step towards your new life in Spain, with the peace of mind of being in good hands.
Useful Documents – C1 Broker Spain
At C1 Broker, we value transparency and trust in all our processes. That’s why we provide you with all the necessary documentation about DKV Health Insurance for visas/residence in Spain, so that you can find out in detail about its coverage, general conditions, waiting periods, co-payments and other relevant information before taking out your insurance.
Our goal is to help you make the best decision with complete clarity and confidence.
View and download the documents you need.
FAQ: Everything You Need to Know About Health Insurance for a Visa
Frequently Asked Questions About Health Insurance for a Visa in Spain
To apply for a visa or residence permit in Spain, the law requires foreign nationals to have private health insurance that offers full coverage, with no co-payments, no waiting periods, and a minimum duration of one year. This requirement applies to non-EU citizens and, in some cases, also to EU nationals registering as residents in Spain.
👉 Got questions? Write to us at info@c1broker.es or fill out our online form to receive your personalised quote quickly:
🔗 Calculate your health insurance for visa
To apply for a visa or residence permit in Spain, current immigration law requires foreign applicants to hold a private medical insurance policy that offers:
Full coverage equivalent to the Spanish public healthcare system
No co-payments
No waiting periods
Minimum validity of one year
This obligation is set out in the following legal references:
📝 Key Legal Foundations
| Requirement | Legal Basis |
|---|---|
| Coverage equivalent to Spain’s public healthcare system | Organic Law 4/2000, Article 12; Royal Decree 1155/2024 |
| No co-payments and no waiting periods | Consular and Immigration Regulations (effective oversight) |
| Issued by an authorised insurer | Administrative & Regulatory Framework |
| Valid for a minimum of 1 year with an Ad Hoc Certificate | Administrative and consular rules |
According to Organic Law 4/2000, Article 12, foreigners registered in Spain are entitled to public healthcare on equal terms with Spanish nationals. However, for stays longer than 90 days, if the applicant does not contribute to the Spanish Social Security system, a private policy equivalent to public healthcare is mandatory.
The Regulation of the Immigration Law (Royal Decree 1155/2024) further strengthens this requirement for categories such as:
Study visas
Non-lucrative residence
Digital nomad visas
Family reunification, and others.
The Ministry of the Interior and Immigration requires the insurance to:
✅ Cover all benefits included in the Spanish National Health System
✅ Be issued without co-payments or waiting periods
✅ Come from an authorised insurer
✅ Be valid for at least one year
✅ Be accompanied by a valid Ad Hoc Certificate
✅ Having a compliant health insurance policy is essential to avoid rejection of your application and to ensure you have access to full medical care while living in Spain.
To be valid for Spanish immigration or consulate procedures, your health insurance must meet the following requirements:
No co-payments (you won’t pay anything for medical visits within the insurer’s medical network)
Full coverage, equivalent to the Spanish public healthcare system
No waiting periods – coverage must begin from day one
Annual contract – the policy must have a minimum duration of 12 months
Single annual payment
An official certificate in Spanish (Ad Hoc), adapted to legal immigration procedures
👉 Got questions? Write to us at info@c1broker.es or fill in the online form to receive your personalised proposal quickly:
🔗 Calculate your health insurance for visa
No worries. You can pay for your health insurance by credit or debit card through a secure virtual payment system (TPV). This is especially helpful if you’ve just arrived in Spain and haven’t opened a local bank account yet.
👉 Got questions? Write to us at info@c1broker.es or fill out the online form to receive your personalised quote faster:
🔗 Calculate your health insurance for visa
In addition to fully complying with all legal immigration requirements, the DKV Visa health insurance offers:
Access to over 51,000 medical specialists and 1,000+ healthcare centres across Spain
24/7 emergency care with no waiting lists
Dental coverage included at no extra cost
International medical assistance for travel of up to 180 days
Mobile apps to manage your health and medical appointments
A specific certificate for Spanish immigration offices and consulates
👉 Got questions? Write to us at info@c1broker.es or fill in the form online to receive your personalised quote faster:
🔗 Calculate your health insurance for visa
Yes. The DKV Visa Option is designed for any foreign national planning to stay in Spain for more than 90 days, even if they do not have an employment contract. It is valid for students, retirees, digital nomads, spouses, and more.
👉 Got questions? Write to us at info@c1broker.es or fill in the form online to receive your personalised quote faster:
🔗 Calculate your health insurance for visa
Yes. You’ll have the freedom to choose from the wide network of approved doctors and hospitals within DKV’s medical directory. There’s no extra cost for using any of the professionals or centres included.
👉 Got questions? Write to us at info@c1broker.es or fill in the form online to receive your personalised quote faster:
🔗 Calculate your health insurance for visa
Yes. If you travel abroad for up to 180 days, your policy includes emergency medical assistance with coverage of up to €30,000. This ensures you can travel with peace of mind.
👉 Got questions? Write to us at info@c1broker.es or fill in the form online to receive your personalised quote faster:
🔗 Calculate your health insurance for visa
Yes. The maximum age to take out the DKV Visa Option is 75 years old.
👉 Got questions? Write to us at info@c1broker.es or fill in the form online to receive your personalised quote faster:
🔗 Calculate your health insurance for visa