Health Insurance for Spain's Digital Nomad Visa

Spain's Digital Nomad Visa (DNV) — formally known as the International Teleworking Visa — has made the dream of working remotely from Spain a legal reality for thousands of professionals from outside the EU. Since its launch under Spain's Startup Law (Ley de Startups), it's attracted remote workers, freelancers, and entrepreneurs from the UK, USA, Canada, Australia, and beyond.

One of the visa's key requirements is healthcare cover — and where private insurance is your route, not just any policy will do. This guide explains what you need, why it matters, and how to get it sorted quickly.

Why Healthcare Cover Is Required for the DNV

Spain's Digital Nomad Visa is designed for people who work remotely for companies or clients based outside Spain. The visa asks you to demonstrate qualifying healthcare cover — but private insurance is not the only way to do that. Depending on your employment and social-security position, that cover may come through Spanish Social Security, through an applicable reciprocal arrangement, or through qualifying private insurance.

It is also worth correcting a common misunderstanding: entitlement to Spain's public health system is not purely a matter of paying contributions. Spanish Social Security sets out several routes into publicly funded care — being an employed or self-employed worker affiliated and registered with Social Security, being a contributory pensioner, receiving another periodic Social Security benefit, being covered as the family beneficiary of an insured person, or being a foreign national with legal and habitual residence in Spain who is not required to prove cover by another route (Seguridad Social). Many DNV applicants do not fall into any of these categories when they apply, which is why a private policy is the usual route — but it is not the only one.

Private Insurance, Social Security or a Certificate of Coverage?

Not every Digital Nomad Visa applicant needs to buy a private policy. What the visa asks for is qualifying healthcare cover, and depending on your employment and social-security position that can be evidenced in more than one way:

• Spanish Social Security. Where cover under the Spanish public system is proven, a private health insurance certificate need not be produced at all. The Ministry's own requirement listing for UK applicants states: "No es necesario presentar el seguro de enfermedad si se prueba la cobertura por el sistema público de la Seguridad Social española" — it is not necessary to present health insurance if coverage by the Spanish public Social Security system is proven.
• A certificate of entitlement to coverage. Where an international social security agreement allows a teleworker who remains insured in another state to work from Spain, the Ministry states that "en lugar del seguro de enfermedad, se presentará un certificado de derecho de cobertura emitido por la institución competente del Estado en cuyo sistema de Seguridad Social esté asegurado" — in place of the health insurance, a certificate of entitlement to coverage issued by the competent institution of the state in whose Social Security system the person is insured. Not every country issues such a certificate for teleworkers.
• A registered S1. The Spanish Consulate in London states that the "S1 form and proof of having registered it with the Spanish National Social Security … is accepted as public health insurance" (Consulado General de España en Londres). An S1 is only available to people whose healthcare costs remain the responsibility of another state, so it is not something most working-age applicants are able to obtain.
• Qualifying private insurance. Where none of the above applies — the position most DNV applicants are in — a private policy from an insurer authorised to operate in Spain is the usual route, and the rest of this guide explains what that policy needs to do.

One distinction is worth drawing out: the A1 (in the UK, forms CA3822 for employees and CA3837 for the self-employed) is a social security contributions certificate. It evidences where your contributions are paid; it is not by itself the health-cover document. Social Security registration, certificates of coverage and S1 entitlement are immigration and social security matters rather than insurance ones, so take those questions to your immigration adviser or the relevant institution. 247 Expat Insurance arranges private cover only.

What Your DNV Private Health Insurance Must Include

Where private insurance is your route, the requirements for the DNV are closely aligned with those for the Non-Lucrative Visa. Here's what a policy generally needs to do:

An Insurer Authorised to Operate in Spain

The test is not nationality — consulates do not require a Spanish company. What they require is an insurer authorised to operate in Spain. The London and Manchester consulates use identical wording, asking for the certificate accrediting "the public or private health insurance contracted with an insurance entity authorized to operate in Spain". Some consulates go further and name the register: Washington requires that the insurance entity "must be registered in the list of insurance and reinsurance entities of the General Directorate of Insurance and Pension Funds", pointing applicants to the DGSFP register. In practice a foreign insurer that is authorised or passported into the Spanish market can qualify, while an ordinary home-country policy from an insurer with no Spanish authorisation generally will not — even if it covers treatment in Spain.

Full Medical Cover

The policy must cover a comprehensive range of medical services: GP appointments, specialist consultations, diagnostic tests (blood tests, scans, X-rays), hospital treatment, surgery, and emergency care. Emergency-only policies or travel insurance are not sufficient.

No Repatriation Only

Some basic international policies cover repatriation to your home country as their primary benefit. This is not acceptable for the DNV. The policy must cover treatment in Spain itself.

Covers the Full Visa Period

The policy must be valid from the start of your visa period. A policy that expires in six months won't cover an initial one-year visa.

Applying from Outside Spain vs. Inside Spain

One important distinction with the DNV is that it can be applied for either at a Spanish consulate in your home country, or from within Spain itself if you're already there legally (for example, on a Schengen tourist visa).

Applying from your home country

You apply at the Spanish consulate responsible for your area. You'll need to submit your full application package — including proof of health insurance — and wait for the decision before travelling to Spain. If approved, you'll receive a national visa that allows you to enter Spain and then apply for your TIE residency card.

Applying from within Spain

If you're already in Spain on a valid entry visa (e.g., a tourist visa within the Schengen 90-day allowance), you can apply for the DNV in Spain through the UGE (Unidad de Grandes Empresas). This route typically results in a residence authorisation valid for three years rather than one year.

Healthcare cover has to be evidenced either way, and the documentation standards are the same.

Choosing the Right Policy

A number of insurers authorised to operate in Spain offer policies designed to be visa-suitable for the DNV. Cover, networks, pricing and service standards differ between them, and acceptance is always subject to underwriting. 247 Expat Insurance can compare the options available to you based on your specific situation.

For digital nomads who may be working from different cities in Spain — or who plan to travel frequently — consider:

• A policy with a wide hospital network across Spain (not just in one city)
• Good online and app-based management tools
• English-speaking customer service
• Coverage that extends to travel within the EU (useful if you take work trips)

At 247 Expat Insurance, we work with nomads and remote workers regularly and can advise on which policies best suit a flexible, mobile lifestyle.

Cost of DNV Health Insurance

Premiums for visa-suitable DNV health insurance vary by age, health history, and the specific policy. As a rough guide for 2025/2026:

• Under 35: approximately €55–€90/month
• 35–50: approximately €75–€130/month
• 50–60: approximately €120–€200/month

Annual policies often offer a small discount compared to monthly billing. Contact us for a personalised quote — we'll compare options from multiple insurers and recommend the best fit for your age, location, and budget.

Documentation You'll Need

For your DNV application, you'll typically need a certificate of insurance (certificado de seguro) from your insurer in Spanish, confirming:

• Your full name and date of birth
• Policy number
• Cover start and end dates
• That the policy provides comprehensive health cover (not just emergency or repatriation)
• The insurer's DGSFP registration number

Consulates normally want this document in Spanish, and some will accept a sworn translation — check the checklist published by the consulate handling your application. We can arrange this certificate as part of our service so you have the right paperwork in the right format.

Getting Sorted Quickly

One advantage of working with 247 Expat Insurance is speed. We know which insurers can move quickly and what documentation is needed. In most cases, we can get a visa-suitable policy in place within a few days of your enquiry — which matters if you're working to a tight application timeline. Cover is always subject to insurer acceptance and underwriting.

Contact our team today and we'll walk you through the options, arrange a quote, and make sure your health insurance is sorted for your DNV application.