DNV applicants typically have a similar Spanish-licensed health insurance cost profile to NLV applicants — the structural requirements are very similar (sin copago, sin carencias, annual, comprehensive). DNV applicants skew younger, so average monthly premiums tend to be lower than NLV. This guide covers indicative costs by age, what drives the cost, and the cost comparison with NLV.
Send us your age(s), region in Spain and any medical context. Spanish-licensed DNV cover prepared.
Get a Fast QuoteTalk to an Adviser| Age band | Indicative monthly (EUR) | Indicative annual (EUR) |
|---|---|---|
| Under 30 | 50–85 | 600–1,020 |
| 30–40 | 60–100 | 720–1,200 |
| 40–50 | 75–130 | 900–1,560 |
| 50–60 | 110–180 | 1,320–2,160 |
All figures indicative. DNV applicants typically skew under 50, hence the table focus.
For applicants of the same age, region, plan tier and medical status, DNV and NLV cost is typically similar — both require sin copago, sin carencias, annual cover, comprehensive Spanish-licensed cover. The DNV demographic skews younger, which means DNV applicants on average pay less than NLV applicants.
Spouses applying with the main DNV applicant pay per-person at their own age band. Family policies sometimes attract modest discounts.
Children typically have lower premiums than adults. Family plan structures can be cost-effective for groups of 3+ members.
Accommodated through underwriting. Healthy young applicants typically receive standard pricing.
Related: NLV cost, Student cost, Family cost, visa health insurance hub.
