Non-Lucrative Visa Health Insurance for Families in Spain

The Non-Lucrative Visa is designed for people who want to live in Spain without working locally, and applicants must show they can support themselves and their dependants — including private health cover for everyone moving with them.

This is the part families most often underestimate. It is not enough for the main applicant to be insured: your spouse or partner and each child or dependant included on the application usually needs their own visa-suitable cover, and typically their own certificate. A family of four means four people to insure, not a single policy that quietly covers the parents alone.

Because the requirement applies to every applicant, it is worth arranging cover for the whole family from the start, so nobody turns up to the appointment with a missing certificate. We also focus on visa health insurance designed for exactly this kind of long-stay application.

Families can meet the requirement in more than one way, and part of our job is helping you choose the approach that suits your household.

A single family policy names every applicant on one contract, which many families find simpler to arrange, manage and renew. Separate policies can suit families where members apply at different times, split their time between countries, or have very different cover needs. Either route can be visa-suitable — what matters is that every applicant ends up with full cover in Spain, no copayments and a certificate that matches their part of the application.

Because each family member is a separate insured person, insurers usually assess everyone individually. In most cases each applicant — including children — completes a medical questionnaire, and insurers assess each application on its own merits. Tell us about every family member when you request your quote so we can help you find suitable cover for all of them. Insurers assess each application individually, so we cannot promise cover for every pre-existing condition.

Cover for children generally includes paediatric and routine care within Spain, alongside the cover the adults hold. If you have a baby on the way or a dependant joining you later, that can usually be handled too: in most cases a newborn or new family member can be added to an existing family policy, with any additional certificate arranged when you need it.