For couples applying for the NLV, DNV or other Spanish long-stay visa together, each partner needs their own Spanish-licensed health insurance certificate. Combined cost depends on both partners’ ages. This guide covers indicative couples cost combinations, multi-member discount considerations, and the cost difference between equal-age and mixed-age couples.
Send us both ages, region in Spain and any medical context. Spanish-licensed cover prepared for both partners.
Get a Fast QuoteTalk to an Adviser| Couple age combination | Indicative combined monthly (EUR) | Indicative combined annual (EUR) |
|---|---|---|
| Both 30–40 | 120–200 | 1,440–2,400 |
| Both 40–50 | 150–260 | 1,800–3,120 |
| Both 50–60 | 220–360 | 2,640–4,320 |
| Both 60–65 | 280–440 | 3,360–5,280 |
| Both 65–70 | 360–560 | 4,320–6,720 |
| Both 70+ | 460–700+ | 5,520–8,400+ |
Mixed-age couples (one 50, one 65) fall between the equal-age figures.
Some Spanish-licensed insurers offer modest discounts when both partners are on the same family policy — typically 5–10 percent compared to two separate individual policies.
For NLV/DNV submissions, each partner needs their own certificate referencing their visa type. Both certificates can be issued from a single family policy.
Related: NLV cost, Family cost, Over-60 cost, NLV couples guide.
