Spanish Visa Health Insurance is an independent comparison resource. It does not sell insurance directly. It compares the main NLV-compliant private health insurance options honestly — naming every insurer, publishing prices, and being clear about who each plan is and is not right for.
I have spent over 15 years helping people move to Spain — working across health insurance, visa guidance, and settlement support. In that time I have helped hundreds of individuals and couples navigate the NLV, the retirement visa, the digital nomad visa, and the Spanish residency registration process.
I built this site because the information available online about Spanish visa health insurance is patchy, often outdated, and frequently written by people who have never actually been through the process themselves. The insurer landscape changes — prices change, age limits change, plan terms change — and most comparison resources do not keep up.
This site is my attempt to put a reliable, honest, up-to-date resource in front of people who are trying to make one of the more important financial decisions in their move to Spain.
Every coverage requirement stated on this site has been checked against current published consulate guidance. We track changes to NLV requirements and update accordingly.
Pricing, plan terms, age limits, and exclusions are sourced directly from insurer documentation, not from aggregator feeds. Where data changes, we update it — with the date of last verification visible on every page.
Over 15 years working with actual NLV applicants means the guidance here is grounded in what consulates actually accept — not just what the policy documentation theoretically says.
Everything on this site is written or reviewed by a named person — Neil Peter Osborne — who is publicly identified and accountable for the accuracy of what is published here.
This site is independent but not non-commercial. Here is a transparent account of how the site works economically:
When this site recommends Sanitas and you want to proceed, we route enquiries through spanish-healthinsurance.com — a separate Sanitas specialist site also operated by Neil. This is disclosed upfront. It does not mean Sanitas gets preferential treatment in our comparisons — the facts are the facts regardless.
When Caser is the right fit, we route through 247 Expat Insurance — another Neil-operated site specialising in Caser policies for expats. Again, disclosed upfront.
For Adeslas, DKV, ASISA, ASSSA, and others, we do not have a direct partner referral arrangement. Enquiries for those insurers go through our contact form and are handled case by case.
The comparison tables, best-for and not-best-for assessments, known limitations sections, and FAQ answers on this site reflect our honest assessment of each insurer's strengths and weaknesses. Insurers do not pay for placement, do not approve editorial content, and do not receive advance notice of what is written about them here.
Spanish Visa Health Insurance focuses specifically on private health insurance for Spanish residency visa applications — primarily the Non-Lucrative Visa, but also the Retirement Visa, Digital Nomad Visa, and Student Visa. The site covers:
This site does not provide immigration legal advice, tax advice, or financial advice. For formal visa guidance, immigration law, or tax questions related to your move to Spain, consult a qualified immigration lawyer or tax advisor. We recommend Platinum Legal Spain for visa and immigration law matters.
Insurance products and visa requirements change regularly. We review and update this site's content on an ongoing basis. Every page carries a "last updated" date. If you notice a factual error or outdated information, please contact us and we will investigate and correct it.
Pricing shown throughout this site is indicative. Actual premiums depend on your age at the time of purchase, the specific plan tier selected, and any promotions active at quotation time. Always get a personalised quote before making a decision.