GENESISHealth insurance for the digital nomad visa: a practical guide
One of the requirements that raises the most questions when applying for the digital nomad visa is health insurance. Here's exactly what you need so your file isn't rejected.
Why is insurance required?
For the visa you must prove healthcare coverage in Spain while you're not yet paying into Social Security. That's why a private health policy is required to replace public coverage.
What the policy must meet
- Full coverage in Spain, equivalent to public healthcare (not travel insurance).
- No co-payments and no waiting periods, in most cases.
- With an insurer authorized to operate in Spain.
- Valid for the entire period of your authorization.
How much does it cost?
Usually around €50–120 per month per person, depending on age and coverage. If you bring family, each member needs their own policy.
Common mistakes
- Buying travel insurance instead of full health cover.
- Policies with co-payments when a no-co-pay policy is required.
- Leaving it to the last minute and not having the certificate in time for the file.
At GENESIS we guide you to a policy that meets the requirements and fits your budget, so you don't waste time or money.
Frequently asked questions
Does travel insurance work for the digital nomad visa?
No. A full health insurance policy with complete coverage in Spain, equivalent to public healthcare, is required; travel insurance is usually not accepted.
How much does the health insurance cost?
Usually between €50 and €120 per month per person, depending on your age and coverage. Each family member needs their own policy.
Do I need the insurance before applying for the visa?
Yes. You must have the policy and its certificate to include in your file, so it's best to arrange it in advance.
Want to know if you qualify?
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