{"id":25580,"date":"2026-07-07T09:00:00","date_gmt":"2026-07-07T07:00:00","guid":{"rendered":"https:\/\/delaguialuzon.com\/?p=25580"},"modified":"2026-06-28T11:11:58","modified_gmt":"2026-06-28T09:11:58","slug":"private-health-insurance-spain-expats","status":"publish","type":"post","link":"https:\/\/delaguialuzon.com\/en\/blog\/private-health-insurance-spain-expats\/","title":{"rendered":"Private health insurance in Spain for expats: Costs, providers and visa requirements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25580\" class=\"elementor elementor-25580\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf43e09 e-flex e-con-boxed e-con e-parent\" data-id=\"4cf43e09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68432c31 elementor-widget elementor-widget-text-editor\" data-id=\"68432c31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div style=\"background-color: #f5f5f5; padding: 24px 28px; margin: 0 0 32px 0;\"><h2 style=\"margin-top: 0;\">Private health insurance in Spain: What every expat needs to know<\/h2><ul><li>Private health insurance in Spain is a legal requirement for Non-Lucrative Visa and Digital Nomad Visa applicants, and must provide full coverage with no annual cap and no significant copayments.<\/li><li>UK nationals registered under the Withdrawal Agreement can access the Spanish public health system via an S1 form, but many also take private insurance for shorter waiting times.<\/li><li>Monthly premiums range from approximately \u20ac40 for younger adults to over \u20ac220 for those over 60.<\/li><li>The major providers in Spain include Sanitas (BUPA), Adeslas, Asisa, Mapfre Salud, and DKV Seguros.<\/li><li>Self-employed residents (aut\u00f3nomos) can deduct health insurance premiums as a business expense up to \u20ac500 per person per year.<\/li><li>Pre-existing conditions are commonly excluded for the first six to twelve months of a new policy.<\/li><li>Our team advises on health insurance requirements for all Spanish visa applications.<\/li><\/ul><\/div><h2>Do expats need private health care in Spain?<\/h2><p>Health insurance is one of the first questions anyone asks when considering a move to Spain.<\/p><p>The Spanish public health system has a strong international reputation, but access to it as a new resident depends on your immigration route, your employment status, and whether you qualify under the UK\u2013EU Withdrawal Agreement.<\/p><p>For many British nationals, and for virtually all non-EU expats arriving through visa routes, <strong>private health insurance in Spain<\/strong> is not a lifestyle choice; it is a legal requirement.<\/p><h2>Who is legally required to hold private health insurance in Spain<\/h2><table style=\"width: 100%; border-collapse: collapse; margin: 24px 0;\"><thead><tr style=\"background-color: #6e7d65; color: #ffffff;\"><th style=\"text-align: left; padding: 12px;\">Visa or status<\/th><th style=\"text-align: left; padding: 12px;\">Insurance required?<\/th><th style=\"text-align: left; padding: 12px;\">Public system access?<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Non-Lucrative Visa (NLV)<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Yes, mandatory<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #a83232;\">No (private only)<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Digital Nomad Visa<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Yes, mandatory<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Depends on contributions<\/td><\/tr><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">UK Withdrawal Agreement (S1)<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Not mandatory<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Yes, via S1 registration<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Employee paying Spanish social security<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Not mandatory<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Yes, from the first day<\/td><\/tr><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Self-employed aut\u00f3nomo<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Not mandatory<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Yes, via RETA<\/td><\/tr><\/tbody><\/table><p>For the <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/spanish-non-lucrative-visa\/\">Non-Lucrative Visa<\/a> in particular, the policy must be issued by a company authorised to operate in Spain by the <a href=\"https:\/\/www.dgsfp.mineco.es\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Direcci\u00f3n General de Seguros y Fondos de Pensiones (DGSFP)<\/a>, provide coverage throughout Spain with no annual payment cap, and impose no significant copayments that would restrict access.<\/p><p>Travel insurance, even comprehensive travel insurance, does not meet these requirements under any circumstances.<\/p><p>UK nationals who applied for residency before 31 December 2020 under the Withdrawal Agreement hold protected rights, including access to Spanish public healthcare via the S1 certificate issued by HMRC.<\/p><p>Those arriving under newer visa routes, including the <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/apply-digital-nomad-visa-spain\/\">Digital Nomad Visa<\/a> established under Startup Law 28\/2022, do not benefit from these protections and must arrange qualifying private cover before their visa application is submitted.<\/p><blockquote style=\"border-left: 4px solid #2e7d32; background-color: #f9f9f9; padding: 16px 20px; margin: 24px 0;\"><p style=\"margin: 0;\">Spain had approximately <a href=\"https:\/\/www.unespa.es\/main-files\/uploads\/2025\/10\/memoria_social_EN_2024_annex_opt.pdf\" target=\"_blank\" rel=\"nofollow noopener\">12.2 million private health insurance policyholders<\/a> as of 2024, representing approximately 25.5% of the population \u2014 a figure that has risen steadily since 2017.<\/p><\/blockquote><h2>The major providers of private health insurance in Spain<\/h2><table style=\"width: 100%; border-collapse: collapse; margin: 24px 0;\"><thead><tr style=\"background-color: #6e7d65; color: #ffffff;\"><th style=\"text-align: left; padding: 12px;\">Provider<\/th><th style=\"text-align: left; padding: 12px;\">UK connection<\/th><th style=\"text-align: left; padding: 12px;\">English service<\/th><th style=\"text-align: left; padding: 12px;\">Network size<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Sanitas<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">BUPA subsidiary<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Strong<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Very large<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Adeslas<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Spanish<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Moderate<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd; color: #3a5c30; font-weight: bold;\">Largest in Spain<\/td><\/tr><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Asisa<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Spanish<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Moderate<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Large<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">DKV Seguros<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Munich Re group<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Moderate<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Medium<\/td><\/tr><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Mapfre Salud<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Spanish<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Moderate<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">Large<\/td><\/tr><\/tbody><\/table><p>Sanitas is the most frequently chosen provider among British expats given its BUPA parentage, English-language customer service, and widespread recognition among UK insurers and GPs.<\/p><p>All providers offering private health insurance in Spain must be registered with the DGSFP, and the DGSFP&#8217;s public register can be consulted online to verify a company&#8217;s authorisation status before purchasing a policy.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-26433 size-full\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/06\/private-hospital-healthcare-spain.webp\" alt=\"private health care hospital in Spain\" width=\"1280\" height=\"720\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/06\/private-hospital-healthcare-spain.webp 1280w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/06\/private-hospital-healthcare-spain-300x169.webp 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/06\/private-hospital-healthcare-spain-1024x576.webp 1024w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/06\/private-hospital-healthcare-spain-768x432.webp 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/p><h2>Indicative monthly premiums for private health insurance in Spain (Valencian Community, 2026)<\/h2><p>Premiums for private health insurance in Spain vary considerably depending on age, the scope of cover, whether dental or optical add-ons are included, and the specific region where you are registered.<\/p><p>The Valencian Community sits close to the national median in pricing terms, making it notably more affordable than Madrid or Barcelona for comparable levels of cover.<\/p><table style=\"width: 100%; border-collapse: collapse; margin: 24px 0;\"><thead><tr style=\"background-color: #6e7d65; color: #ffffff;\"><th style=\"text-align: left; padding: 12px;\">Age group<\/th><th style=\"text-align: left; padding: 12px;\">Basic plan<\/th><th style=\"text-align: left; padding: 12px;\">Comprehensive plan<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">18\u201330<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac40\u2013\u20ac60<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac80\u2013\u20ac120<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">31\u201345<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac55\u2013\u20ac85<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac100\u2013\u20ac160<\/td><\/tr><tr><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">46\u201360<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac80\u2013\u20ac140<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac150\u2013\u20ac220<\/td><\/tr><tr style=\"background-color: #f9f9f9;\"><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">61\u201375<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac130\u2013\u20ac200<\/td><td style=\"padding: 12px; border-bottom: 1px solid #ddd;\">\u20ac220\u2013\u20ac360<\/td><\/tr><\/tbody><\/table><h2>How the visa compliance process works<\/h2><p>The five-step compliance sequence below applies to all private health insurance in Spain visa requirements, whether you are applying for a Non-Lucrative Visa, a Digital Nomad Visa, or any other permit that requires proof of health coverage.<\/p><p><\/p><p>The most common error at Step 2 is failing to confirm that the insurer appears on the DGSFP&#8217;s official register before purchasing a policy.<\/p><p>The DGSFP maintains a publicly searchable database of all companies authorised to sell health insurance in Spain.<\/p><p>Policies purchased from non-authorised intermediaries or foreign companies not licensed in Spain are rejected at the consulate stage without exception.<\/p><h2>Common exclusions on standard policies<\/h2><ul><li>Pre-existing conditions (typically excluded for the first six to twelve months).<\/li><li>Dental treatment beyond basic emergency care (requires a dental add-on).<\/li><li>Optical care and corrective lenses.<\/li><li>Psychiatric and psychological treatment (increasingly included in higher-tier plans).<\/li><li>Cosmetic or elective procedures not medically indicated.<\/li><li>Treatment received outside Spain, unless a repatriation clause is included.<\/li><\/ul><p>These exclusions are standard across almost all Spanish insurers and are not peculiar to any single provider.<\/p><p>If you have a pre-existing condition that is material to your application, it is important to disclose it accurately on your health declaration form.<\/p><p>Failure to disclose a pre-existing condition can result in the policy being voided at the point of claim, leaving you uninsured at the worst possible moment.<\/p><blockquote style=\"border-left: 4px solid #2e7d32; background-color: #f9f9f9; padding: 16px 20px; margin: 24px 0;\"><p style=\"margin: 0;\">According to the Spanish Ministry of Health, the average waiting time for a specialist appointment in the public system was 79 days as of 2024. For many expat clients, the elimination of this wait is the primary commercial reason for holding private health insurance in Spain alongside public entitlements. [Source: Ministerio de Sanidad, Informe de Lista de Espera, 2024]<\/p><\/blockquote><h2>Tax relief on premiums<\/h2><p>Self-employed residents (aut\u00f3nomos) can deduct health insurance premiums covering themselves, their spouse, and dependent children as a business expense under Article 30 LIRPF, up to \u20ac500 per insured person per year.<\/p><p>For employees, employer-paid premiums up to the same threshold are treated as a non-taxable benefit in kind under Article 42 LIRPF.<\/p><p>Our article on <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/becoming-self-employed-in-spain\/\">becoming self-employed in Spain<\/a> covers how aut\u00f3nomos structure their deductible expenses more broadly, including the interaction between business costs and social security contributions.<\/p><p>For clients operating under the <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/beckham-law-spanish-tax-regime\/\">Beckham Law regime<\/a>, the interaction between private health insurance in Spain and their specific tax framework should be confirmed with a tax adviser, as the general IRPF rules apply differently under this opt-in scheme.<\/p><p>UK nationals who have recently relocated and are also navigating cross-border pension or asset declarations should read our guidance on <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/uk-pension-contributions-in-spain\/\">UK pension contributions in Spain<\/a> and <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/declare-uk-income-in-spain\/\">how to declare UK income in Spain<\/a>, both of which affect the overall tax picture for British residents.<\/p><h2>Private health insurance in Spain: what our clients experience<\/h2><p>At <strong>Delagu\u00eda y Luz\u00f3n<\/strong>, our immigration team processes Non-Lucrative Visa and Digital Nomad Visa applications regularly and has observed that insurance-related errors account for a significant proportion of initial rejections at Spanish consulates in the UK.<\/p><p>The three most common errors are: presenting a travel insurance certificate in place of a full private medical policy; submitting a policy that contains an annual payment cap; and providing a certificate from an insurer not authorised by the DGSFP.<\/p><p>For clients applying for the <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/apply-digital-nomad-visa-spain\/\">Digital Nomad Visa<\/a>, there is an additional consideration: the visa holder may transition to making Spanish social security contributions once earning income from a Spanish client, at which point entitlement to the public health system may arise.<\/p><p>This transition requires careful planning to avoid a period of double coverage or, conversely, a gap in insured status.<\/p><p>Our team also assists UK nationals who are reviewing their options under the <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/long-term-residence-in-spain\/\">long-term residence permit<\/a> framework, for whom insurance requirements differ from those applicable during initial visa status.<\/p><h2>Questions to ask before choosing a policy<\/h2><ul><li>Does the policy meet the minimum requirements for my visa application?<\/li><li>Is the insurer authorised by the Direcci\u00f3n General de Seguros y Fondos de Pensiones to operate in Spain?<\/li><li>Does the policy cover the whole of Spain, not just one region?<\/li><li>Is there an annual cap on treatment costs, and if so, does this disqualify the policy for visa purposes?<\/li><li>What is the waiting period for pre-existing conditions?<\/li><li>Does the network include English-speaking doctors and specialists near me?<\/li><li>Is there a repatriation or medical evacuation clause?<\/li><li>What is the renewal process, and will my premium increase significantly on renewal?<\/li><\/ul><div style=\"border-left: 4px solid #2e7d32; background-color: #f9f9f9; padding: 16px 20px; margin: 24px 0;\"><p style=\"margin: 0;\">Our immigration law team handles all aspects of Spanish visa applications for British and international nationals. We review insurance policies for compliance with consular requirements before submission. See our full <a href=\"https:\/\/delaguialuzon.com\/en\/immigration-law\/\">immigration law services<\/a> page for further information.<\/p><\/div><div style=\"background-color: #f5f5f5; padding: 24px 28px; margin: 40px 0 0 0;\"><h2 style=\"margin-top: 0;\">Speak to our immigration team about your relocation to Spain<\/h2><p>Our multilingual team advises on visa applications, residency permits, private health insurance in Spain compliance and tax registration for British and international nationals moving to Spain.<\/p><p><strong>Email:<\/strong> felix.delaguia@delaguialuzon.com<\/p><p><strong>Phone:<\/strong> +34 963 74 16 57<\/p><\/div><h2>FAQs<\/h2><h4>What coverage level is required for a Non-Lucrative Visa application?<\/h4><p>The policy must provide full coverage in Spain with no annual cap on treatment costs, no significant copayments that restrict access to care, and must be issued by a company authorised by the DGSFP to operate in Spain.<\/p><p>Travel insurance does not qualify under any circumstances.<\/p><h4>Can I keep my UK health insurance when I move to Spain?<\/h4><p>UK-issued health insurance policies generally do not meet Spanish visa requirements, and they are not accepted by Spanish medical providers as a basis for treatment once you are resident.<\/p><p>A Spanish-authorised private policy or access to the Spanish public system is required after establishing residency.<\/p><h4>Is private health insurance in Spain tax-deductible?<\/h4><p>For aut\u00f3nomos, yes, up to \u20ac500 per insured person per year.<\/p><p>For employed workers, employer-paid premiums up to the same threshold are treated as a non-taxable benefit.<\/p><p>For individuals paying premiums without a business connection, there is no general IRPF deduction available.<\/p><h4>How do I verify that an insurer is authorised in Spain?<\/h4><p>The DGSFP maintains a public register of all insurance companies authorised to operate in Spain, which is accessible via the official government website at dgsfp.mineco.es.<\/p><p>You should confirm that your chosen insurer appears on this register before purchasing any policy intended for visa or residency purposes.<\/p><h4>Does the Digital Nomad Visa require the same level of private health insurance in Spain as the Non-Lucrative Visa?<\/h4><p>Yes, the Digital Nomad Visa introduced under Startup Law 28\/2022 requires applicants to hold qualifying private health insurance at the time of application.<\/p><p>The minimum requirements are identical: full Spain coverage, no annual cap, and issuance by a DGSFP-authorised insurer.<\/p><h4>What happens to my private health insurance in Spain if I start paying Spanish social security?<\/h4><p>Once you are enrolled in the Spanish social security system and contributing regularly, you become entitled to access the Spanish public health system.<\/p><p>Some residents choose to maintain their private cover alongside public entitlement for faster specialist access and greater flexibility, particularly for those with families.<\/p><h4>Can my family members be added to my policy?<\/h4><p>Yes, most Spanish insurers offer family policies that cover a spouse or partner and dependent children.<\/p><p>For visa purposes, each family member listed on the application must be individually covered, either under the same policy or under separate qualifying policies.<\/p><h4>Are there waiting periods before I can claim on a new policy?<\/h4><p>Most standard policies impose waiting periods for certain types of treatment, typically three to six months for non-urgent specialist care and surgery, and six to twelve months for pre-existing conditions.<\/p><p>Emergency treatment is generally available from the first day of cover.<\/p><h4>Is there a difference between private health insurance and travel insurance for visa purposes?<\/h4><p>Yes, the difference is fundamental and non-negotiable.<\/p><p>Travel insurance is designed for short-term trips and contains caps, exclusions, and territorial limits that disqualify it entirely from meeting private health insurance in Spain visa requirements under Spanish immigration law.<\/p><h4>How much does a qualifying policy cost for a 45-year-old British applicant?<\/h4><p>A qualifying policy for a 45-year-old in the Valencian Community typically costs between \u20ac65 and \u20ac130 per month, depending on the provider and the scope of cover.<\/p><p>This range covers basic qualifying policies without dental or optical add-ons.<\/p><p>\u00a0<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"LegalService\",\n      \"@id\": \"https:\/\/delaguialuzon.com\/#organization\",\n      \"name\": \"Delagu\u00eda y Luz\u00f3n Abogados\",\n      \"url\": \"https:\/\/delaguialuzon.com\/\",\n      \"logo\": \"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2022\/03\/logo-delaguialuzon.png\",\n      \"telephone\": \"+34963741657\",\n      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Travel insurance does not qualify under any circumstances.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I keep my UK health insurance when I move to Spain?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"UK-issued health insurance policies generally do not meet Spanish visa requirements, and they are not accepted by Spanish medical providers as a basis for treatment once you are resident. A Spanish-authorised private policy or access to the Spanish public system is required after establishing residency.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Is private health insurance in Spain tax-deductible?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"For aut\u00f3nomos, yes, up to \u20ac500 per insured person per year under Article 30 LIRPF. For employed workers, employer-paid premiums up to the same threshold are treated as a non-taxable benefit in kind under Article 42 LIRPF. For individuals paying premiums without a business connection, there is no general IRPF deduction available.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How do I verify that an insurer is authorised in Spain?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"The Direcci\u00f3n General de Seguros y Fondos de Pensiones (DGSFP) maintains a public register of all insurance companies authorised to operate in Spain, accessible at dgsfp.mineco.es. You should confirm that your chosen insurer appears on this register before purchasing any policy intended for visa or residency purposes.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does the Digital Nomad Visa require the same level of private health insurance in Spain as the Non-Lucrative Visa?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. The Digital Nomad Visa introduced under Startup Law 28\/2022 requires applicants to hold qualifying private health insurance at the time of application. The minimum requirements are identical: full Spain coverage, no annual cap, and issuance by a DGSFP-authorised insurer.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What happens to my private health insurance in Spain if I start paying Spanish social security?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Once you are enrolled in the Spanish social security system and contributing regularly, you become entitled to access the Spanish public health system. Some residents choose to maintain their private cover alongside public entitlement for faster specialist access and greater flexibility, particularly for those with families.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can my family members be added to my policy?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes, most Spanish insurers offer family policies that cover a spouse or partner and dependent children. For visa purposes, each family member listed on the application must be individually covered, either under the same policy or under separate qualifying policies.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are there waiting periods before I can claim on a new policy?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Most standard policies impose waiting periods for certain types of treatment, typically three to six months for non-urgent specialist care and surgery, and six to twelve months for pre-existing conditions. Emergency treatment is generally available from the first day of cover.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Is there a difference between private health insurance and travel insurance for visa purposes?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes, the difference is fundamental. Travel insurance is designed for short-term trips and contains caps, exclusions, and territorial limits that disqualify it entirely from meeting private health insurance in Spain visa requirements under Spanish immigration law.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How much does a qualifying policy cost for a 45-year-old British applicant?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"A qualifying policy for a 45-year-old in the Valencian Community typically costs between \u20ac65 and \u20ac130 per month depending on the provider and the scope of cover. This range covers basic qualifying policies without dental or optical add-ons.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<style>\r\n.lwrp.link-whisper-related-posts{\r\n            \r\n            margin-top: 40px;\nmargin-bottom: 30px;\r\n        }\r\n        .lwrp .lwrp-title{\r\n            \r\n            \r\n        }.lwrp .lwrp-description{\r\n            \r\n            \r\n\r\n        }\r\n        .lwrp .lwrp-list-container{\r\n        }\r\n        .lwrp .lwrp-list-multi-container{\r\n            display: flex;\r\n        }\r\n        .lwrp .lwrp-list-double{\r\n            width: 48%;\r\n        }\r\n        .lwrp .lwrp-list-triple{\r\n            width: 32%;\r\n        }\r\n        .lwrp .lwrp-list-row-container{\r\n            display: flex;\r\n            justify-content: space-between;\r\n        }\r\n        .lwrp .lwrp-list-row-container 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.lwrp-list-link .lwrp-list-link-title-text,\r\n            .lwrp .lwrp-list-item .lwrp-list-no-posts-message{\r\n                \r\n                \r\n                \r\n                \r\n            };\r\n        }<\/style>\r\n<div id=\"link-whisper-related-posts-widget\" class=\"link-whisper-related-posts lwrp\">\r\n    \r\n        <div class=\"lwrp-list-container\">\r\n                                <div class=\"lwrp-list lwrp-list-row-container lwrp-list-single-row\">\r\n                <div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/qrops-transfer-spain\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"350\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/uk-pension-qrops-transfer-spain.png\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"UK pension QROPS transfer to Spain\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/uk-pension-qrops-transfer-spain.png 1184w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/uk-pension-qrops-transfer-spain-300x219.png 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/uk-pension-qrops-transfer-spain-1024x747.png 1024w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/uk-pension-qrops-transfer-spain-768x560.png 768w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><br><span class=\"lwrp-list-link-title-text\">Smart strategies for transferring UK pension funds to a Spanish QROPS<\/span><\/a><\/div><div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/spanish-mortgage-review\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"321\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/Solicitor-Review-of-Spanish-Mortgages.jpg\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"Solicitor Review of Spanish Mortgages\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/Solicitor-Review-of-Spanish-Mortgages.jpg 795w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/Solicitor-Review-of-Spanish-Mortgages-300x200.jpg 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/Solicitor-Review-of-Spanish-Mortgages-768x513.jpg 768w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><br><span class=\"lwrp-list-link-title-text\">Spanish mortgage review: What UK buyers need to know before signing<\/span><\/a><\/div><div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/spanish-wealth-tax\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"270\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/03\/spanish-wealth-tax.jpg\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"spanish wealth tax\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/03\/spanish-wealth-tax.jpg 795w, 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href=\"https:\/\/delaguialuzon.com\/en\/blog\/divorce-spain-for-expats\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"321\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/02\/divorce-in-spain-for-expats.jpg\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"divorce in spain for expats\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/02\/divorce-in-spain-for-expats.jpg 795w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/02\/divorce-in-spain-for-expats-300x200.jpg 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2026\/02\/divorce-in-spain-for-expats-768x513.jpg 768w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><br><span class=\"lwrp-list-link-title-text\">Divorce across borders: How it works in Spain for expats<\/span><\/a><\/div>                <\/div>\r\n                <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Private health insurance in Spain is a legal requirement for Non-Lucrative Visa holders and strongly recommended for all new residents. This guide compares costs, providers and coverage options.<\/p>\n","protected":false},"author":5,"featured_media":26440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"_joinchat":[],"footnotes":""},"categories":[54,337],"tags":[],"class_list":["post-25580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-living-in-spain","category-healthcare"],"_links":{"self":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/25580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/comments?post=25580"}],"version-history":[{"count":11,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/25580\/revisions"}],"predecessor-version":[{"id":26439,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/25580\/revisions\/26439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/media\/26440"}],"wp:attachment":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/media?parent=25580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/categories?post=25580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/tags?post=25580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}