Spanish health insurance worded for the DNV and Unidad de Grandes Empresas — no co-pays, no waiting periods, English certificate for your file.
Understanding the visa
Spain's Digital Nomad Visa — officially the Visa para Teletrabajadores de Carácter Internacional — was launched in 2023 as part of Spain's Startup Law. It allows non-EU nationals who work remotely for companies or clients outside Spain to live in the country legally, without needing a Spanish employer.
The DNV is designed for two groups: employees of foreign companies working remotely from Spain, and self-employed freelancers or business owners whose clients are primarily based outside Spain. It is typically granted for one year initially, with the option to renew for two-year periods up to a maximum of five years, after which long-term residency may be available.
One of the key requirements for the DNV application is private health insurance. Like the Non-Lucrative Visa, the DNV requires a policy issued by a Spanish-registered insurer, with comprehensive cover across Spain and no copayments.
Spain's visa system is layered — DNV is just one route. Here are the other Spanish visa health insurances we arrange.
Cover for the non-lucrative visa — Spain's classic retiree route.
Learn moreCompare visa-specific health insurance for all the main Spanish residency routes.
Learn moreCover that meets Spanish consulate requirements for student visa applications.
Learn morePolicies on the lists Spanish consulates routinely accept for visa applications.
Learn moreWhat your policy must include
The Spanish Ministry of Foreign Affairs sets out the health insurance requirements for the DNV. While individual consulates may apply them slightly differently, the general requirements are consistent. Your policy must:
The DNV is a relatively new visa, launched in 2023. Consulate experience with it is still developing, and some consulates have interpreted the health insurance documentation requirements slightly differently in practice. Our team are familiar with the current requirements across the main consulates handling DNV applications from UK, US, Canadian, and other applicants, and can advise on what your specific consulate expects.
Is this visa for you?
The DNV is open to two main groups of remote workers.
If you work as an employee for a company based outside Spain, and your role can be carried out entirely remotely, you may qualify for the DNV. You must have been employed by the same company for at least three months, and the company must not have a significant presence in Spain. Typically, you may earn up to 20% of your income from Spanish clients or companies.
If you are self-employed and work for clients or companies based outside Spain, the DNV is also available to you. You will need to demonstrate that you have an established freelance or business activity, that your clients are primarily abroad, and that your income meets the minimum threshold (typically set at a multiple of the Spanish minimum wage, currently reviewed periodically).
The DNV can include family members — a spouse or partner, and dependent children — as part of the same application or as dependants. Each family member will need their own health insurance certificate meeting the same requirements.
Avoid these errors
International health insurance — even policies from well-known providers that technically include Spain — will not be accepted. You need a policy from a DGSFP-registered Spanish insurer. This is one of the most common reasons DNV health insurance is rejected at the consulate stage.
Many Spanish insurers sell policies with copayments because they are cheaper. These are not accepted for DNV purposes. You must hold a sin copago policy — no charges at point of use, from a Spanish-registered insurer.
While technically permissible, having family members on different insurers' policies can complicate the application and create inconsistencies in documentation. We typically recommend keeping all applicants on the same insurer's policy where possible.
Your health insurance should be active from your intended entry date into Spain. Starting the policy too early can mean it expires before your visa does; starting it too late can create a gap in cover at the start of your residency.
Once a policy is arranged, the formal certificate from the insurer takes a short amount of time to be issued. Do not leave this to the day before your consulate appointment — give us and the insurer time to prepare the correct documentation.
Our process
Which consulate? Employed or self-employed? Family members included? Intended start date? Any pre-existing health conditions? We gather what we need to recommend the right policy.
We recommend policies from Spanish-registered insurers that are accepted for DNV applications — no copayments, comprehensive cover, full Spain validity. Explained in plain English.
Once you are happy to proceed, we arrange the policy and work with the insurer to get your certificate issued in the correct format for your consulate, as quickly as possible.
With your compliant insurance certificate in hand, the health insurance element of your application is handled. We remain available if your consulate has questions.
Your DNV will need to be renewed after one year, then every two years. We contact you ahead of each renewal to review your options and keep your cover continuous and compliant.
Why choose us
Getting the health insurance right on your DNV application matters. We have the knowledge and the relationships to make it straightforward.
We only recommend policies we know to be accepted for DNV applications. No guesswork, no policies that will cause problems at the consulate.
Remote workers often have tight timelines around consulate appointments. We work quickly to get your certificate issued without unnecessary delays.
We work with applicants from all over the world applying through different consulates. If your consulate has specific requirements, we are already familiar with them.
We can arrange cover for the main applicant and accompanying family members together, ensuring everyone has compliant cover from the same insurer where possible.
All advice, documentation, and certificates in English. No Spanish-only paperwork to navigate at a critical stage of your application.
We are available Monday to Sunday. Whether your consulate appointment is on a Tuesday or a Saturday, we are here to help.
Common questions
Questions we hear regularly from DNV applicants. If yours is not answered here, call or WhatsApp our team — 7 days a week.
Yes. Private health insurance is one of the core requirements for the DNV application. Without a valid, compliant insurance certificate, your application will be incomplete. The policy must be issued by a DGSFP-registered Spanish insurer, provide comprehensive cover across Spain, have no copayments, and cover the full duration of your intended visa period.
No. International health insurance — including policies from international health insurance providers — will not be accepted for the DNV even if they technically cover Spain. The policy must be with a DGSFP-registered Spanish insurer. We can arrange a compliant policy for your specific situation.
DNV-compliant sin copago policies typically cost from around €70–€150 per month per adult, depending on age and the insurer. The cost for a family will be higher. Older applicants pay more. The best way to get an accurate figure is to request a quote based on your age and circumstances.
Yes. If you are including a spouse, partner, or dependent children in your DNV application, each person will need their own health insurance certificate. We can arrange cover for all family members together, typically on the same insurer's policy, and ensure each person receives their own certificate in the correct format.
The Digital Nomad Visa (DNV) is for people who work remotely for foreign companies or freelance clients — you must have an income from abroad. The Non-Lucrative Visa (NLV) is for people who want to live in Spain without working — typically retirees or those with passive income. Both require similar health insurance: a DGSFP-registered policy with no copayments. See our NLV health insurance Spain page for more details on the NLV requirements.
Yes. Your Spanish health insurance policy continues after you receive your TIE (Tarjeta de Identidad de Extranjero). The same policy that met your DNV application requirements is the policy you will use for day-to-day private healthcare in Spain. It will also need to be renewed and remain compliant when you renew your residency card.
Once you decide to proceed and we arrange the policy, the certificate from the insurer is typically issued within a few working days. For urgent situations, we can often facilitate faster turnaround. Contact our team as early as possible before your consulate appointment to ensure there is no last-minute pressure.
Yes. When you renew your DNV (at Year 1 and then at Year 3), you will need to demonstrate that you continue to hold a compliant health insurance policy. The same requirements apply at each renewal point. We contact you ahead of renewals to review your cover and ensure it remains continuous and compliant.
As a specialist expat insurance agent, we cover all the main insurance needs you may have in Spain — not just one product.
Our English-speaking team will find you a compliant, no-copayment health insurance policy for your Digital Nomad Visa application — fast, in the right format, and with the certificate your consulate needs. No jargon, no pressure, no obligation.
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