Best Health Insurance for Non-Lucrative Visa Spain in 2024
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If you’re planning to move to Spain on a Non-Lucrative Visa, securing the right health insurance is crucial. Given the visa requirements, you'll need comprehensive coverage that provides peace of mind without breaking the bank.
Don’t have time to read? These are my top 4 suggestions for the best health insurance for non-lucrative visa Spain: 👌
What Insurance is Needed for a Non-Lucrative Visa in Spain?
To obtain a Non-Lucrative Visa in Spain, you are required to have private health insurance that meets specific criteria set by Spanish authorities. The insurance must:
Be Private and Full-Coverage: The policy must cover all medical expenses, including doctor visits, hospitalization, and surgeries. It should be equivalent to or better than the coverage provided by the Spanish public health system.
Have No Co-Payments: The insurance should not have any co-payments, meaning you should not have to pay out-of-pocket for any medical services. The coverage must be complete, with the insurer handling all expenses.
Be Valid in Spain: The insurance must be issued by a company authorized to operate in Spain. Many expats opt for local Spanish insurance providers to ensure compliance with this requirement.
Provide 12 Months of Coverage: The policy needs to cover at least one full year from the time you enter Spain. Some insurers require an upfront payment for the full year, but others, like Feather, offer the flexibility of monthly payments.
Meet Visa Requirements: The insurance must explicitly state that it fulfills all the requirements for a Non-Lucrative Visa. It’s advisable to choose a provider familiar with these visa needs to ensure your policy is accepted by the consulate.
Detailed Breakdown of the Best Health Insurance for a Non-Lucrative Visa in Spain
1. DKV
DKV is a well-known insurer in Spain, recognized for its focus on preventive care and chronic disease management. Their plans are ideal for those seeking extensive coverage without the need to work while living in Spain.
Coverage: DKV's plans include preventive care, chronic disease management, home care, and comprehensive medical services, making them perfect for those planning to live in Spain long-term without employment.
Price: Plans range from €300 to €600 per month, depending on the coverage and additional benefits selected.
Additional Benefits: DKV offers a wide network of healthcare providers and excellent customer service. They also provide a 50% reimbursement on prescribed medications, capped annually at €100, which can be particularly beneficial for those managing ongoing health conditions.
2. Asisa
Asisa provides a range of health insurance plans that cater specifically to seniors, ensuring comprehensive coverage that aligns with the Non-Lucrative Visa requirements.
Coverage: Asisa’s plans include comprehensive medical services, chronic disease management, mental health services, and specialist care. This ensures that all your healthcare needs are met while living in Spain.
Price: The cost starts at €185 per month for individuals over 65, making it a cost-effective option for seniors.
Additional Benefits: Asisa offers a 24/7 English-speaking helpline, which is invaluable for expats. This service can help with both preparing for your move to Spain and providing assistance during international travel.
3. Feather
Feather has gained popularity among expats for its affordability and high customer satisfaction, especially for those over 65 planning to retire in Spain.
Coverage: Feather covers specialist consultations, preventive care, hospitalization, and emergency services, which are essential for meeting visa requirements.
Price: At €204 per month for retirees between 65 and 74, Feather offers one of the most competitively priced plans on the market.
Additional Benefits: Feather’s user-friendly platform makes managing your insurance straightforward. Unlike many other insurers, Feather allows monthly
4. ASSSA
ASSSA is a top choice for expats moving to Spain on a Non-Lucrative Visa, particularly due to its tailored plans and focus on customer service in multiple languages, including English.
Coverage: ASSSA offers comprehensive medical services, including specialist care, hospitalization, and preventive care. Their plans are designed with expats in mind, ensuring that you meet all the health insurance requirements for the Non-Lucrative Visa.
Price: Monthly premiums start around €180, varying based on age and coverage level.
Additional Benefits:ASSSA stands out for its personalized customer service, offering dedicated English-speaking representatives. They also provide quick claim processing and a broad network of medical providers across Spain.
Choosing the right health insurance for a Non-Lucrative Visa in Spain is essential to ensure a smooth visa application process and to have peace of mind during your stay. ASSSA is a highly recommended option for its expat-friendly services and comprehensive coverage. DKV and Asisa are also excellent choices that offers specialized care and strong customer support. Feather provides an affordable and highly-rated option with flexible payment plans, making it a great choice for retirees.
Ultimately, the best insurance plan will depend on your specific needs, age, and budget. It's crucial to select a policy that not only meets the visa requirements but also offers the coverage and support you’ll need while living in Spain. With the right insurance, you can enjoy your new life in Spain with confidence, knowing that your healthcare needs are fully covered.
