Are you planning to move to Spain and need health insurance for foreigners? Whether you’re applying for a residence visa, NIE (Foreigner Identification Number), or staying long-term in Spain, you’ll need a private health insurance policy that meets all legal immigration requirements.
This guide will show you exactly what your health insurance must include, how much it costs, how to purchase it from abroad, and the best option available in 2025.
Why do foreigners need private health insurance in Spain?
Most immigration procedures in Spain —such as residence visas, non-lucrative visas, family reunification, student stays, and digital nomad permits— require applicants to prove they have private health coverage and won’t rely on the public healthcare system.
That’s why the law mandates a private health insurance plan without waiting periods, copayments, or coverage limits. If you don’t meet those conditions, your visa or residency application may be denied.
What are the legal requirements for foreign health insurance in Spain?
To be accepted by Spanish consulates, embassies, or immigration offices, your policy must meet the following:
- ✅ Full medical coverage throughout Spain
- ✅ No waiting periods – Coverage must start from day one
- ✅ No copayments – You shouldn’t pay extra to use the services
- ✅ No annual coverage limits
- ✅ Issued by a licensed Spanish insurance company
- ✅ Minimum validity of 12 months
- ✅ Must include hospitalization and repatriation
- ✅ Official certificate in Spanish, with correct legal wording
⚠️ Be careful: many travel or expat insurances do not meet these standards. Always confirm with an expert.
What’s the best health insurance for foreigners in Spain (2025)?
At RYA Insurance Brokers, we recommend ASISA Health Residents — a top-tier product tailored for foreign nationals moving to Spain on long-term visas or residency permits.
👉 What’s included in ASISA Health Residents?
- ✅ Full coverage with no copays, no waiting periods, no coverage limits
- ✅ Access to ASISA’s private medical network across Spain
- ✅ General practitioners, specialists, surgery, hospitalization, urgent care
- ✅ Private rooms with a bed for companions
- ✅ Diagnostic tests, psychotherapy, prosthetics, transplants
- ✅ Travel assistance + repatriation coverage
- ✅ Accidental death benefit (€6,000)
- ✅ One-time payment by card (no monthly fees)
- ✅ Same-day official certificate accepted by embassies and immigration
How much does health insurance for foreigners cost?
Prices depend on age and province of residence. As a reference:
- 🔹 Under 25 years old → From €46/month
- 🔹 30 to 45 years old → Between €55–70/month
- 🔹 Over 50 → Starting from €75–90/month
⚠️ Payment is made in full for 12 months — as required by Spanish immigration law. No monthly installments.
We can send you a personalized quote in less than 24 hours.
Can I get the insurance before arriving in Spain?
Absolutely. We help you contract and receive your certificate from abroad. Just send us:
- A copy of your passport
- An address in Spain (even temporary)
- The desired start date of coverage
We’ll send you the official certificate in Spanish the same day. Ready to submit to your embassy or local immigration office.
What if I’m moving with my family?
ASISA Health Residents allows you to insure multiple people — ideal for spouses, children, or dependents. Each person receives their own personalized certificate.
This policy is also valid for spouses or family members of digital nomads, and those applying for family reunification visas.
Why choose RYA Insurance Brokers?
At RYA, we specialize in health insurance for foreigners living in Spain. We simplify the process for you:
🔹 We speak Spanish and English
🔹 We manage your entire enrollment process
🔹 You receive the official certificate for immigration within 24h
🔹 Fast response by email or WhatsApp
🔹 No hidden fees, no complicated paperwork
Frequently Asked Questions (FAQ)
Is this valid for NIE or residency?
✅ Yes, ASISA Health Residents is approved for Spanish NIE, residency, and long-term visa applications.
How fast do I get my certificate?
📄 Once you complete payment, we send the official immigration-ready PDF the same day.
Is the policy renewable?
🔁 Yes, it’s valid for 12 months and can be renewed if you extend your stay.
Can I choose any hospital?
🏥 You’ll have access to ASISA’s full private healthcare network across Spain.
Does it include dental coverage?
🦷 Not by default, but we can offer optional add-ons if needed.
Step-by-step: How to get your Spanish health insurance
- 📩 Contact us via WhatsApp or email
- 🛂 Send us your passport, address, and start date
- 💳 Pay securely by credit/debit card
- 📄 Receive your official certificate in less than 24h
- ✈️ Submit it with your visa or residency application
Final Thoughts
Getting the right health insurance for foreigners in Spain is not just a legal requirement — it’s peace of mind. Whether you’re moving for work, family, retirement, or as a digital nomad, make sure your policy truly protects you.
At RYA Insurance Brokers, we’ll make the process fast, simple, and 100% compliant with Spanish immigration law.
Need your certificate ASAP?
Contact us now and get your personalized quote today.
📲 Fast response on WhatsApp
📄 Certificate ready for your visa or NIE
🛡️ Full medical coverage from day one
