Health insurance for the Spain digital nomad visa: what the official source asks
Insurance required: Yes, unless you are covered by Spanish Social Security or a social security agreement. Minimum cover: All risks of the Spanish public health system. Local insurer only: Yes: an insurer authorised to operate in Spain. Travel insurance accepted: Not stated. How long: Not stated on the page. Official pages read on 7 November 2026.
Not immigration or insurance advice. These are the words of the official pages on the date we read them. Consulates can ask for more, and each consulate decides whether your policy is acceptable: check with the consulate or visa centre where you apply before you buy.
What the official source says
certificate of public or private health insurance taken out with an insurance company authorised to operate in Spain
(our translation; official text:certificado de seguro de enfermedad público o privado contratado con una entidad aseguradora autorizada a operar en España
)The insurance must cover all the risks covered by the Spanish public health system.
(our translation; official text:El seguro debe cubrir todos los riesgos asegurados por el sistema público de salud en España.
)You do not need to present health insurance if you prove cover by the Spanish public Social Security system.
(our translation; official text:No es necesario presentar el seguro de enfermedad si se prueba la cobertura por el sistema público de la Seguridad Social española.
)instead of the health insurance, you present a certificate of entitlement to cover issued by the competent institution of the State whose Social Security system insures you
(our translation; official text:en lugar del seguro de enfermedad, se presentará un certificado de derecho de cobertura emitido por la institución competente del Estado en cuyo sistema de Seguridad Social esté asegurado
)
Source: Consulate General of Spain in Buenos Aires, Residence visa for remote work (digital nomad) (Spanish Ministry of Foreign Affairs, read on 7 November 2026). We read the pages of the Spanish consulate in Buenos Aires: other Spanish consulates publish their own document lists, so check the one where you apply. Register of insurers authorised in Spain: DGSFP, insurance companies register
What the official page does not say: whether a travel insurance policy is enough; how long the policy must last. Ask the consulate or immigration office where you apply.
Income for this visa: Spain digital nomad visa: €2,442 a month × 14 (€34,188 a year).
No insurance offer on this page: the consulate asks for a policy from an insurer authorised in Spain, or Spanish or foreign social security cover, and we have no partner we have checked against that rule. The official register of authorised insurers is kept by the DGSFP (register).
Other long-stay visas
| Visa | Insurance required? | Minimum cover | Local insurer only? | Travel insurance accepted? | How long |
|---|---|---|---|---|---|
| Spain digital nomad visa Digital nomad | Yes, unless you are covered by Spanish Social Security or a social security agreement | All risks of the Spanish public health system | Yes: an insurer authorised to operate in Spain | Not stated | Not stated on the page |
| Spain non-lucrative visa Retirement / passive income | Yes | All risks of the Spanish public health system; 100% of costs, no co-payments, no waiting periods in year 1 | Yes: an insurer authorised to operate in Spain | Not stated for this visa (the study visa page excludes it) | Full cover for the first year of residence; kept for renewals (art. 64) |
| Spain student visa Student | Yes | Benefits similar to the Spanish National Health System; 100% of costs, no co-payments, no waiting periods | Yes: an insurer authorised to operate in Spain | No: travel insurance and credit-card insurance are not valid | The whole planned stay |
Health insurance for every visa in one table · Schengen visa insurance: the official rule
Questions people ask
What health insurance do I need for the Spain digital nomad visa?
Public or private health insurance from a company authorised to operate in Spain, covering all the risks covered by the Spanish public health system. You do not need it if you prove Spanish Social Security cover; if a social security agreement lets you keep your home cover, you present a certificate of entitlement instead.