Health Insurance for Spanish Visa — Chicago Consulate 2026 Guide

Chicago: The Midwest Hub for Spanish Visa Applications

For anyone in the Midwest thinking about moving to Spain — whether for retirement, remote work, or lifestyle — the Spanish Consulate General in Chicago is your starting point. It is a large, professionally run consulate that processes a significant volume of applications each year, and its jurisdiction is vast. With 12 states feeding into a single consulate, Chicago sees a remarkably diverse mix of applicants: finance and tech workers from the Loop applying for Digital Nomad Visas, retirees from rural Ohio and South Dakota pursuing the Non-Lucrative Visa, dual-heritage families with Spanish connections, and professionals from Columbus, Detroit, Indianapolis, Kansas City, and Milwaukee who may not have easy access to specialist immigration brokers.

That diversity matters when it comes to health insurance. A 34-year-old software developer in Chicago and a 71-year-old retiree in Omaha both need a DGSFP-compliant health insurance certificate for their Spanish visa — but the insurers available to them, the premiums they'll pay, and the underwriting questions they'll face are very different. This guide is written to address both ends of that spectrum, and everyone in between.

The health insurance requirement is one of the most commonly mishandled parts of the Spanish visa application for US applicants generally, and Chicago-area applicants specifically tend to reach for familiar names — Blue Cross Blue Shield of Illinois, Aetna, United Healthcare, or even credit card travel coverage — none of which work. The certificate must come from a Spanish insurer registered with Spain's DGSFP (Dirección General de Seguros y Fondos de Pensiones), and it must meet a specific set of requirements that are non-negotiable regardless of which consulate you're applying at.

The Chicago consulate has a reputation for processing applications relatively efficiently. Appointment availability, while never abundant, tends to be more accessible than at the New York or Los Angeles consulates. But that doesn't mean you can afford to be unprepared on documentation. A rejected certificate means a rejected appointment, and rebooking means going to the back of the queue. Get the insurance right the first time.

This guide covers everything: the states in Chicago's jurisdiction, the full certificate checklist, why US insurance fails, which Spanish insurers work and for whom, specific guidance for retirees and digital nomad visa applicants, certificate timing, pre-existing conditions, and a step-by-step walkthrough of the process from appointment booking to certificate in hand.

Which States Does the Chicago Consulate Serve?

The Spanish Consulate General in Chicago has one of the largest jurisdictions of any Spanish consulate in the United States. Applicants must apply at the consulate that covers their state of primary residence — you cannot choose to apply at a different consulate for convenience, proximity, or faster appointment availability. If you live in any of the following 12 states, Chicago is your consulate:

• Illinois
• Indiana
• Iowa
• Kansas
• Michigan
• Minnesota
• Missouri
• Nebraska
• North Dakota
• Ohio
• South Dakota
• Wisconsin

This catchment area stretches from the Great Lakes to the Great Plains — a region with a combined population of around 65 million people. It covers major metro areas including Chicago, Minneapolis-St. Paul, Detroit, Columbus, Cleveland, Cincinnati, Indianapolis, Kansas City, Milwaukee, Omaha, and St. Louis, as well as vast stretches of rural and suburban America where specialist immigration services are far less available than in coastal cities.

If you recently moved states, your residency at the time of application determines which consulate you use. If you live in Michigan but are planning to move to Illinois before applying, you need to be established at your Illinois address before booking your Chicago appointment. The consulate will ask for proof of residence in its jurisdiction — typically a utility bill, lease agreement, driver's licence, or state ID. Do not attempt to apply at a consulate outside your jurisdiction; applications can be rejected on this basis alone.

For applicants travelling a significant distance — say from Fargo, North Dakota or rural Nebraska — it is worth scheduling other Chicago-area appointments (medical check-ups, notary services) on the same trip to make the journey efficient.

Certificate Requirements: The Full Checklist

This is the most important section of this guide. Get every item on this checklist right and your health insurance documentation will sail through. Miss any single element and your application can be rejected on the spot.

Let's walk through some of these in more detail, because they catch people out.

DGSFP registration is the foundational requirement. The DGSFP is Spain's insurance regulatory body — the equivalent of a state insurance commissioner but for the entire country. Only insurers on the DGSFP register can issue valid certificates. There are six insurers commonly used for Spanish visa applications by US residents: Sanitas, Caser, DKV, ASSSA, ASISA, and Adeslas. Every one of them is DGSFP-registered. No US insurer is on this register.

Spanish language is non-negotiable. Many Chicago applicants assume that because Sanitas is backed by BUPA (a British company), or because their DKV broker communicates in English, an English certificate is available. It isn't. All certificates are issued exclusively in Spanish. If you receive a certificate in English from any intermediary, something has gone wrong — do not submit it.

No copayments and no deductibles eliminate virtually every US health insurance product by definition. American health insurance is built around cost-sharing between insurer and patient. Spanish residency visa insurance cannot work this way — the certificate must explicitly state "sin copago" and confirm comprehensive cover with no excess.

The name match requirement is one of the most common sources of last-minute stress. If your passport says "Mary-Jane Elizabeth Kowalski" and your certificate says "Mary Jane Kowalski" or "M.J. Kowalski", there is a mismatch. Always enter your name exactly as it appears in your passport when purchasing your policy — character for character. Check the certificate immediately on receipt and contact the insurer at once if there are any discrepancies.

Certificate type matters more than people realise. Insurers issue several types of documents: welcome letters, policy summaries, benefit schedules, and visa certificates. Only the visa certificate (certificado para visado de residencia) is appropriate for a consulate application. When purchasing, make clear you need this specific document, or work with a broker who will request it correctly on your behalf.

Why US and Midwest Health Insurance Doesn't Work

This section exists because the most common rejection reason at Chicago — and every other US Spanish consulate — is the submission of a US domestic health insurance certificate. It happens constantly, and it happens to well-informed applicants who simply assume that comprehensive US coverage is equivalent to what Spain requires. It is not. Here's why each common type fails.

Blue Cross Blue Shield of Illinois is probably the most common mistake made by Illinois applicants. BCBS Illinois is an excellent health insurer for coverage within the United States. But it has no DGSFP registration in Spain, it is not designed for residency abroad, it involves copayments and deductibles at every level, and it cannot issue a certificate in the format required by any Spanish consulate. Submitting BCBS Illinois documentation will result in your application being rejected without appeal.

Aetna, United Healthcare, and Humana are in exactly the same position. These are US domestic insurers. None of them are registered with the DGSFP. All of their standard products include copayments, deductibles, and out-of-pocket maximums that are incompatible with Spanish visa requirements. Some of these companies also sell international health insurance products, but even those are typically not DGSFP-registered and will not be accepted.

Illinois Medicaid and Medicare cannot be used. Medicaid is a state programme with no validity outside the US. Medicare — Part A, Part B, Medicare Advantage, or any supplement — has no coverage in Spain and is not DGSFP-registered. If you are a retiree relying on Medicare, you will need to purchase a separate Spanish insurance policy for your visa application. This is the situation for essentially all US retirees applying for the Non-Lucrative Visa.

COBRA coverage is continuation of your employer-sponsored US insurance. It has the same problems as any US domestic insurance: no DGSFP registration, no Spain-specific cover, copayments and deductibles throughout. COBRA is not a solution for Spanish visa applicants.

Travel insurance from Allianz, Travelex, World Nomads, and similar products all fail for a different but equally fundamental reason. Travel insurance is designed to cover emergency medical costs while you are temporarily away from home. A Spanish residency visa requires insurance for someone who is making Spain their home — residency-grade coverage. Travel insurance policies are not DGSFP-registered, they contain limits and exclusions incompatible with residency requirements, and they are explicitly designed for short-term travel rather than long-term residence. The consulate knows the difference and will reject these documents.

Credit card travel insurance — whether from Chase Sapphire Reserve, Amex Platinum, Citi Prestige, or any other card — is the most emphatic rejection case of all. These are supplementary travel protection benefits, not health insurance policies. They have no DGSFP registration, no residency-grade coverage, no certificate system that meets consulate requirements, and in most cases the coverage is limited to specific trip durations and activated only under specific circumstances. Submitting a credit card insurance benefit summary to the Spanish Consulate in Chicago will result in immediate rejection. There are no exceptions to this, ever.

The underlying reason all of this matters is structural, not bureaucratic. Spain's visa system requires that people granted a residency visa have genuine, long-term healthcare coverage within Spain's private medical system from an insurer regulated by Spain. A US insurance policy — however comprehensive — simply cannot provide that. The DGSFP requirement exists to protect both the Spanish healthcare system and the visa holder. There is no workaround, no exception, and no grey area.

The 6 Spanish Insurers That Work — and Which Suits Chicago Applicants

There are six Spanish insurers consistently used and accepted for US Spanish visa applications. They are all DGSFP-registered, all issue the required certificate format, and all cover the full Spanish territory. But they differ meaningfully in price, age limits, underwriting approach, hospital network size, and certificate issuance speed — and those differences matter when you're choosing based on your specific situation as a Chicago or Midwest applicant.

Sanitas is the most popular choice for Chicago professionals and the clear winner on certificate speed. BUPA-backed and with strong English-language customer service, Sanitas is the only insurer whose certificate is issued automatically by email within minutes of policy activation. For a finance worker or tech professional in Chicago who needs to move quickly, or anyone who has left the insurance purchase slightly late, Sanitas removes all timing anxiety. The Sanitas Residents Visa product covers applicants up to around 75, though pricing increases significantly with age and pre-existing conditions may affect eligibility.

Caser is a strong value option, often 20–30% cheaper than Sanitas for comparable cover, and it includes an optional dental add-on that some applicants find useful. Certificate turnaround is 1–2 business days. The age ceiling is lower than DKV or ASSSA — applicants above 65 should compare carefully. Caser is popular with under-55 NLV applicants and digital nomad visa applicants who are primarily cost-conscious.

DKV accepts new applicants up to age 74, making it one of the most important options for Midwest retirees in their late 60s and early 70s. Certificate turnaround is 1–2 business days via the MyDKV portal or through a broker. DKV has a good hospital network across Spain, including strong coverage in the regions popular with Midwest retirees — Alicante, Valencia, Murcia, and Malaga. For a 68 or 71-year-old in Ohio or Indiana planning a retirement to Spain's Costa Blanca, DKV deserves serious consideration.

ASSSA is the specialist insurer for older applicants and those with pre-existing conditions. It has no fixed upper age limit for new policies (though premiums rise sharply after 70), and its underwriting is more flexible than most other insurers when it comes to managed health conditions. Certificate turnaround is 4–5 business days, so plan accordingly. ASSSA is based in Alicante and is very well-established in the expat community in that region — popular with British, American, and other international retirees. If you are over 70 or have a health condition you're concerned about, start with ASSSA.

ASISA has one of the largest private hospital networks in Spain and is a solid budget option for younger applicants — under 50 in particular. Above 65 the options narrow and pricing becomes less competitive. Certificate turnaround is 3–5 business days. Not recommended for applicants who are tight on time before a consulate appointment.

Adeslas operates the largest private healthcare network in Spain by number of facilities, which matters if you plan to live in a smaller Spanish city or town rather than a major urban centre. Certificate turnaround is same day or next day via the Adeslas app or broker system. One important note: Adeslas requires a 36-month commitment, which is a longer lock-in than other insurers. For someone confident they'll be in Spain long-term, this isn't a problem. For someone uncertain about their plans, it's worth considering.

Retirement Visa Applicants from the Midwest

Retirement is the single largest driver of Non-Lucrative Visa applications from the Chicago consulate's catchment area. Midwest retirees are drawn to Spain for reasons that are entirely logical: the cost of living in Spain's sunnier regions — Alicante, Valencia, the Costa Blanca, Murcia, and parts of Andalucia — is substantially lower than in most US cities, the climate is dramatically better than an Illinois or Minnesota winter, and the healthcare system (both public and private) is excellent. A retired couple from Columbus or Minneapolis can live very comfortably in Alicante on a combined budget that would be stretched in Chicago.

The health insurance question for retirees is where things get complicated, and it is the area where most mistakes are made. Here is a clear breakdown by age:

Under 65: You have the full range of options — Sanitas, Caser, DKV, ASSSA, ASISA, and Adeslas all accept applicants at this age. Pricing is more manageable and underwriting is generally straightforward unless you have significant pre-existing conditions. If you're 58–64 and in reasonable health, all six insurers are viable starting points.

65–69: Most insurers are still accessible, but pricing rises noticeably and some products change structure above 65. Sanitas, DKV, and ASSSA are the strongest options in this band. Caser is worth a quote but may not be competitive at these ages. ASISA becomes less appealing above 65. DKV's acceptance up to 74 makes it a natural choice here, and its pricing at 65–69 tends to be reasonable compared to alternatives.

70–74: Your options narrow meaningfully. DKV accepts up to 74 and is the go-to for applicants in this band who are in reasonably good health. ASSSA has no fixed upper age limit and handles this age group well, particularly if you have managed health conditions. Sanitas's Residents Visa product may accept up to around 75 but underwriting is stricter and premiums are higher at these ages. ASISA and Caser are generally not viable above 70.

75 and above: ASSSA is your most realistic option. At this age, most other insurers will not issue new policies for visa applicants. ASSSA's underwriting process for older applicants involves a health questionnaire and may involve some condition exclusions, but it remains the most accessible insurer for applicants in their mid-to-late 70s. Premiums will be significant, but the certificate will be accepted by the Chicago consulate.

Pre-existing conditions are common among retirement visa applicants and need to be handled carefully. Hypertension, type 2 diabetes, high cholesterol, thyroid conditions, and prior cardiac events are all conditions that Spanish insurers will ask about during underwriting. The good news is that having a managed pre-existing condition does not automatically prevent you from getting a valid visa certificate — Spanish insurers regularly cover applicants with these conditions, sometimes with an exclusion period or a loading on the premium, but the resulting certificate still meets the consulate's requirements.

The critical point is to be honest on the health questionnaire. Misrepresenting your health history to obtain a lower premium is not only dishonest — it can invalidate your policy if a claim is made, and it can create problems at renewal. Declare everything accurately and work with a broker who has experience navigating Spanish insurer underwriting for older applicants with health conditions.

Digital Nomad Visa Applicants from Chicago

Chicago has a significant and growing digital nomad community. The city's tech sector — anchored by companies in the West Loop, the Fulton Market district, and the broader Greater Chicago area — produces a steady stream of software engineers, product managers, UX designers, data scientists, and finance professionals who work remotely and are increasingly interested in living abroad while working for US employers or clients.

Spain's Digital Nomad Visa (Visado para Teletrabajadores de Carácter Internacional) is the natural fit for this group, and the Chicago consulate processes DNV applications alongside other visa types. The health insurance requirement for the DNV is the same as for the NLV — DGSFP-registered insurer, no copayments, no waiting periods, €30,000+ cover, all of Spain, in Spanish.

For Chicago DNV applicants, the health insurance decision tends to be more straightforward than for retirement visa applicants. Most digital nomad applicants are under 45, in good health, and primarily focused on price and certificate speed. Sanitas is a popular choice: its instant certificate is ideal for applicants who want to move quickly once the visa application is ready, and its pricing for younger applicants is very competitive. Caser is worth comparing for anyone cost-conscious.

One thing DNV applicants from Chicago frequently ask about: Social Security implications. If you are employed by a US company while living in Spain under the DNV, the US-Spain tax treaty and Social Security totalization agreement become relevant to your situation. This is a tax and immigration law question, not a health insurance question — but it is worth flagging because it affects the overall financial picture of living in Spain as a US remote worker. The health insurance certificate required for the DNV is the same certificate required for any other Spanish residency visa, regardless of your employment arrangement.

If you are self-employed (autónomo in Spain, or operating as a freelancer or LLC in the US), your DNV and insurance situation has some nuances — again, a question for an immigration lawyer rather than an insurance guide, but worth knowing that the health insurance certificate requirement is identical either way.

Certificate Timing and Chicago Appointment Slots

The Chicago consulate generally has more reasonable appointment availability than the New York or Los Angeles consulates — the sheer volume of applicants on the East and West Coasts creates much heavier demand at those locations. That said, Chicago is not immune to seasonal surges in appointment demand, and slots can fill up weeks or months in advance during peak periods (typically spring and autumn, when most people prefer to travel to start their new life in Spain).

The right time to sort your health insurance is before you book your appointment — or at the very latest, the moment you have a confirmed appointment date. Do not treat the insurance as something to deal with in the week before your appointment. Certificate delays, name errors, and underwriting queries all take time to resolve, and if your appointment is in three days, those problems become acute.

Here is how to think about timing based on your chosen insurer:

• Sanitas: Can be purchased the day before your appointment if absolutely necessary. Certificate arrives by automated email within minutes of policy activation. No timing risk whatsoever. This is the only insurer where last-minute purchase is genuinely safe.
• Adeslas: Same-day or next-day certificate via the app or broker system. A viable option if your appointment is tomorrow, but remember the 36-month commitment.
• Caser and DKV: Allow 3–5 business days from purchase to having a confirmed, checked certificate in your possession. If your appointment is in a week, buy immediately.
• ASISA: Allow 5–7 business days including buffer time for corrections.
• ASSSA: Allow 7–10 business days from purchase. ASSSA's manual validation process includes a health questionnaire review and can be slow during busy periods. If you're relying on ASSSA — which older applicants often are — get organised well in advance.

When you receive your certificate, check it immediately. Verify that your full name is exactly as it appears in your passport. Check the dates, the coverage territory, and that the document is labelled as a certificate for a residency visa rather than a general policy document. If anything is wrong, contact the insurer the same day. Do not leave it until the night before your appointment to discover a name error.

If you've already booked your Chicago appointment and the date is closer than you expected, go straight to Sanitas. An instant certificate from a fully compliant insurer is worth any minor premium difference compared to the risk of a delayed certificate from another insurer.

Pre-Existing Conditions: What Midwest Applicants Need to Know

Pre-existing conditions come up frequently for Chicago consulate applicants, particularly in the retirement visa demographic. The question is not whether you can get covered — in most cases you can — but which insurer is the right fit and what the implications are for your certificate.

Spanish insurers handle pre-existing conditions differently from US insurers. Rather than outright denying coverage (as US insurers famously did before the ACA), Spanish insurers for residency visa products typically take one of two approaches: they either cover you comprehensively and charge a premium loading for the additional risk, or they issue a policy that excludes treatment specifically related to the pre-existing condition for an initial period (often 6–12 months). Either way, the resulting certificate is typically accepted by the consulate, because the certificate attests to the policy structure, not to the absence of all exclusions.

The most common pre-existing conditions among Midwest retirement visa applicants include hypertension, type 2 diabetes, high cholesterol, prior cardiac events (such as a stent procedure), joint replacement surgery, thyroid conditions, and mild respiratory conditions such as managed asthma. None of these are automatic disqualifiers from getting a valid visa certificate.

ASSSA is consistently the most flexible insurer when it comes to pre-existing conditions. It was built in part around the expat market, which tends to include older applicants with health histories. ASSSA's underwriting process is thorough but its acceptance rate for applicants with managed conditions is higher than most other options.

DKV is a reasonable second option for applicants up to 74 with conditions that are well-managed and stable. More complex cases may require ASSSA, but for straightforward cases like managed hypertension or controlled diabetes, DKV is worth including in your comparison.

Sanitas can be flexible depending on the condition, but tends to be stricter than ASSSA above age 65 or with more complex health histories. Worth getting a quote regardless.

The golden rule: be completely honest on every health questionnaire. If you declare a condition and the insurer agrees to cover you, you have a valid certificate and a valid policy. If you conceal a condition, you risk having claims denied later and potentially having your policy cancelled — which would leave you without valid insurance in Spain and unable to renew your visa.

Common Rejection Reasons at the Chicago Consulate

The following seven patterns account for the vast majority of health insurance-related application rejections at the Spanish Consulate in Chicago. Every one of them is avoidable.

1. US domestic insurance submitted as the certificate. BCBS Illinois, Aetna, United Healthcare, Humana, Kaiser — none of these will be accepted. The moment a consulate officer sees an American insurer's name on the documentation, the application stops. This is the most common rejection reason by a considerable margin.

2. Travel insurance submitted as health insurance. Products from Allianz Travel, Travelex, World Nomads, AIG Travel, IMG Global, and similar companies are travel protection products. They are not DGSFP-registered, they cover temporary travel and not residency, and they contain exclusions and coverage caps incompatible with visa requirements. No travel insurance product has ever been accepted by a Spanish consulate as a substitute for DGSFP-registered health insurance.

3. Credit card travel insurance benefits. A Chase Sapphire Reserve or Amex Platinum insurance benefit letter is not a health insurance certificate. It will be rejected immediately. Do not submit it.

4. Certificate in English. Even a certificate from a perfectly valid DGSFP-registered Spanish insurer will be rejected if it is issued in English. All certificates must be in Spanish. If you receive any document from your insurer in English, do not submit it — contact the insurer and request the Spanish-language certificado para visado de residencia.

5. Non-DGSFP insurer. Some applicants purchase international health insurance from companies like Cigna Global, AXA, Bupa International (note: distinct from Sanitas/Bupa Spain), or Allianz Care. Some of these are excellent international health insurance products, but none of them are DGSFP-registered. They will not be accepted.

6. Wrong certificate type. A policy document, welcome letter, benefit summary, or annual renewal notice from a Spanish insurer is not the same as a visa certificate. The document must be the specific certificado para visado de residencia. If you're not sure what you have, compare it to the required checklist above. If it doesn't tick every box, request the correct document from your insurer before your appointment.

7. Date problems. This includes certificates that have already expired, certificates dated too far in advance of the appointment, and certificates where the start date is after the appointment date. Some consulates also have a policy that the certificate must be dated within 90 days of the appointment. Check dates carefully when you receive your certificate and again the week before your appointment.

Step-by-Step: From Appointment to Certificate in Hand

Here is the full process for Chicago consulate applicants, from initial planning through to walking into your appointment with the right documentation.

Step 1: Confirm your consulate. Verify that your state of residence is in the Chicago consulate's jurisdiction. If you live in any of the 12 states listed above, Chicago is your consulate. If you've recently moved, make sure your Chicago-jurisdiction address is your official residence.

Step 2: Book your appointment. Visit the Spanish Consulate General Chicago's website and book your appointment as early as possible. Appointment availability fluctuates — book as soon as you have your documentation strategy in place. Note the appointment date and work backwards from it when planning everything else.

Step 3: Choose your insurer. Based on your age, health status, budget, and timeline, select the most appropriate insurer from the six options. Use this guide's sections on retirement applicants, pre-existing conditions, and certificate timing to narrow down the right choice. If you're under 50 and in good health with two or more weeks before your appointment, any of the six will work. If you're over 65 or short on time, the choice matters more.

Step 4: Get a quote. Use a broker or comparison platform to obtain quotes from your shortlisted insurers. Have your full name (exactly as it appears in your passport), date of birth, intended policy start date, and destination region in Spain ready. Be honest about any health conditions when asked.

Step 5: Purchase your policy. When you are ready to buy, ensure the policy start date aligns with your visa requirements. Make sure your name and date of birth are entered exactly as they appear in your passport. Keep confirmation of payment as a backup.

Step 6: Request your certificate. With Sanitas, the certificate is issued automatically — check your inbox (and spam folder) immediately after purchase. With other insurers, request the certificado para visado de residencia through your broker or directly with the insurer. Use that exact phrase.

Step 7: Check the certificate thoroughly. As soon as you receive it, verify: full name (character by character against your passport), date of birth, policy start and end dates, geographic coverage (all of Spain, Canaries, Balearics), confirmation of no copayments, confirmation of repatriation, and that it's in Spanish. If anything is wrong, contact the insurer immediately.

Step 8: Print the certificate. Print a clean, clear copy. Bring it to your appointment along with the rest of your visa documentation. Do not rely on showing it on a phone or laptop screen at the consulate.

Step 9: Attend your Chicago appointment. Present all required documentation. If the consulate officer has any questions about your health insurance certificate, you should be able to answer them based on this guide. The certificate from any of the six major insurers is designed to meet consulate requirements and officers are familiar with these products.

Step 10: After approval — renewal. Your visa will typically be issued for one year. When it is time to renew (applying for a TIE or renewing your residency), you will need a current health insurance certificate. Mark your policy renewal date in your calendar and request the certificate in advance of any renewal appointments.

Price Guide by Age — Monthly EUR Estimates

Health insurance premiums vary based on age, health status, region within Spain, and whether the policy includes extras like dental. The prices below are approximate monthly estimates in Euros for a healthy applicant with no significant pre-existing conditions. They are intended as a planning guide — actual quotes will vary and should be obtained directly.

N/A indicates that the insurer generally does not accept new applications at that age, or that pricing becomes highly variable and case-specific. Pre-existing conditions will increase premiums, sometimes substantially, across all insurers. The EUR/USD exchange rate at the time of writing (approximately 1.08–1.12) means these premiums in dollar terms are broadly similar to the Euro figures, but will fluctuate with exchange rates over time.

For a retired couple in their late 60s, combined insurance costs of €350–500 per month (roughly $375–540 at current rates) are realistic. For a single 35-year-old digital nomad, monthly costs of €55–70 are typical with the more competitive insurers.

Frequently Asked Questions