Best Health Insurance for Non-Lucrative Visa Spain in 2025
If you’re planning to move to Spain on a Non-Lucrative Visa, securing the right health insurance is crucial. Given the visa requirements, you'll need comprehensive coverage that provides peace of mind without breaking the bank.
Don’t have time to read? Here is my suggestion for the best health insurance for a non-lucrative visa in Spain:
Sanitas is one of the most complete plans for expats, covering pre-existing conditions and people from 0 to 75 years old. Perfect for anyone moving to Spain on a non-lucrative visa who wants peace of mind and full protection from day one.
Detailed Breakdown of the Best Health Insurance for a Non-Lucrative Visa in Spain
Asisa
Asisa provides a range of health insurance plans that cater specifically to seniors, ensuring comprehensive coverage that aligns with the Non-Lucrative Visa requirements.
Coverage: Asisa’s plans include comprehensive medical services, chronic disease management, mental health services, and specialist care. This ensures that all your healthcare needs are met while living in Spain.
Price: The cost starts at €185 per month for individuals over 65, making it a cost-effective option for seniors.
Additional Benefits: Asisa offers a 24/7 English-speaking helpline, which is invaluable for expats. This service can help with both preparing for your move to Spain and providing assistance during international travel.
🚨 ALERT: Pre-Existing Condition Coverage Available
Finding Spanish health insurance that covers pre-existing conditions is almost impossible — but Sanitas Mas Salud Complete does. Get full, visa-compliant coverage with no exclusions, copayments, deductibles, or waiting periods for ages 0–75. Includes national coverage with no limit on benefits.
✅ Get Free QuoteSanitas
Sanitas provides comprehensive health insurance plans that cater to expats of all ages, making it an excellent choice for those moving to Spain on a Non-Lucrative Visa.
Coverage: Sanitas covers pre-existing conditions and provides care for people from 0 to 75 years old. Plans include full medical services, chronic disease management, mental health support, and specialist consultations, ensuring all your healthcare needs are met.
Price: Plans start at €45 per month, offering reliable coverage for families, individuals, and seniors alike.
Additional Benefits: Sanitas offers a 24/7 English-speaking helpline, giving expats peace of mind. Their support helps with navigating the Spanish healthcare system and provides assistance during international travel.
DKV
DKV is a well-known insurer in Spain, recognized for its focus on preventive care and chronic disease management. Their plans are ideal for those seeking extensive coverage without the need to work while living in Spain.
Coverage: DKV's plans include preventive care, chronic disease management, home care, and comprehensive medical services, making them perfect for those planning to live in Spain long-term without employment.
Price: Plans range from €300 to €600 per month, depending on the coverage and additional benefits selected.
Additional Benefits: DKV offers a wide network of healthcare providers and excellent customer service. They also provide a 50% reimbursement on prescribed medications, capped annually at €100, which can be particularly beneficial for those managing ongoing health conditions.
Cigna Healthcare
Cigna Healthcare is a strong choice for expats moving to Spain on a Non-Lucrative Visa, especially if you want global coverage combined with local support.
Coverage: Cigna offers comprehensive medical plans including hospital care, outpatient services, specialist visits, chronic condition management, and mental health support.
Price: Plans start at €50 per month, giving flexibility depending on your coverage needs and family size.
Additional Benefits: Cigna Healthcare provides a 24/7 multilingual helpline, access to a global network of healthcare providers (over 2 million), and easy claims management. This makes it convenient for expats to navigate both Spanish and international healthcare.
ASSSA
ASSSA is a top choice for expats moving to Spain on a Non-Lucrative Visa, particularly due to its tailored plans and focus on customer service in multiple languages, including English.
Coverage: ASSSA offers comprehensive medical services, including specialist care, hospitalization, and preventive care. Their plans are designed with expats in mind, ensuring that you meet all the health insurance requirements for the Non-Lucrative Visa.
Price: Monthly premiums start around €180, varying based on age and coverage level.
Additional Benefits:ASSSA stands out for its personalized customer service, offering dedicated English-speaking representatives. They also provide quick claim processing and a broad network of medical providers across Spain.
What Insurance is Needed for a Non-Lucrative Visa in Spain?
To obtain a Non-Lucrative Visa in Spain, you are required to have private health insurance that meets specific criteria set by Spanish authorities. The insurance must:
Be Private and Full-Coverage: The policy must cover all medical expenses, including doctor visits, hospitalization, and surgeries. It should be equivalent to or better than the coverage provided by the Spanish public health system.
Have No Co-Payments: The insurance should not have any co-payments, meaning you should not have to pay out-of-pocket for any medical services. The coverage must be complete, with the insurer handling all expenses.
Be Valid in Spain: The insurance must be issued by a company authorized to operate in Spain. Many expats opt for local Spanish insurance providers to ensure compliance with this requirement.
Provide 12 Months of Coverage: The policy needs to cover at least one full year from the time you enter Spain. Some insurers require an upfront payment for the full year, but others, like Feather, offer the flexibility of monthly payments.
Meet Visa Requirements: The insurance must explicitly state that it fulfills all the requirements for a Non-Lucrative Visa. It’s advisable to choose a provider familiar with these visa needs to ensure your policy is accepted by the consulate.
Choosing the right health insurance for a Non-Lucrative Visa in Spain is key to a smooth visa process and peace of mind during your stay. Sanitas stands out for covering pre-existing conditions and ages 0–75, making it ideal for most expats. DKV and Asisa offer comprehensive care with specialized services and strong customer support. ASSSA provides expat-focused coverage with English-speaking support.
The best plan ultimately depends on your age, needs, and budget. Pick a policy that meets visa requirements and gives you reliable coverage, so you can settle into your new life in Spain with confidence.
