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Spain · DNV · Versicherung

Krankenversicherung für das Spain DNV Visum

Verified data Zuletzt geprüft June 10, 2026 Reviewed by Henry van de Vorming

Die meisten Visa für digitale Nomaden machen eine Krankenversicherung zur Bedingung für die Genehmigung — und beim Spain DNV ist das nicht anders. Hier steht genau, was verlangt wird, welche Tarife die Anforderung plausibel erfüllen und was Sie vor dem Abschluss prüfen sollten.

Die Anforderung

Versicherung
Erforderlich (ausdrücklich)
Mindestdeckung
Nicht angegeben
Erforderlich für
Gesamte Visumsdauer

Health insurance is required under art. 62.3.e Ley 14/2013 ('seguro público o privado de enfermedad'), as implemented by section Quinta of the joint Instruction: a public or private sickness insurance policy contracted with an insurer authorized to operate in Spain, which must remain active for the entire validity period of the authorization. Travel insurance is expressly not valid. Per the UGE requirements PDF and FAQ, if you are covered by an international social-security coordination instrument that includes healthcare, a certificate of entitlement from your home institution suffices; otherwise you need public insurance (via Spanish Social Security registration) or a private sickness policy with coverage equivalent to the National Health System (SNS). These documents are not needed when the teleworker will register with Spanish Social Security after approval, which is mandatory for most applicants. Explicitly not accepted: travel insurance, reimbursement-only policies, and policies with copays or waiting periods. For the consular route, the Washington consulate requires the insurer to be registered with Spain's Dirección General de Seguros y Fondos de Pensiones (DGSFP) and the policy to cover all risks insured by Spain's public health system for the entire duration of the authorization, with no deficiency, copayment or coverage limit. There is no monetary minimum coverage figure: the standard is SNS-equivalent coverage with no coverage limit, which is why no euro minimum is shown here. In the accepted types listed above, 'international health' means a full private health policy from a Spain-authorized (DGSFP-registered) insurer, and 'public enrollment' means Spanish Social Security affiliation or an S1/coordination certificate.

Tarife, die die Anforderung erfüllen

Sortiert nach Passung zur Anforderung, dann nach Preis. Der Qualifikationsstatus wird je Tarif angezeigt — prüfen Sie immer doppelt, dass die Police mit dem Wortlaut des Konsulats übereinstimmt, bevor Sie den Antrag stellen.

#1

Foyer Global Health (Essential / Special / Exclusive)

Needs verification

Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance

Full international private health insurance from an EU (Luxembourg) insurer with unlimited overall coverage and no annual cap on all plans plus a zero-deductible option and 12-month renewable contracts, matching the 'SNS-equivalent, no coverage limit' standard; however, DGSFP authorization in Spain and absence of waiting periods are not confirmed in the researched facts, and benefit sub-limits (psychiatric, maternity, dental) may be scrutinized against the 'no deficiency' rule.

  • No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
  • Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
  • Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans

from €80 /mo

View plans (opens in a new tab)
#2

Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)

Needs verification

Cigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance

International full health insurance whose Platinum tier is 'paid in full' with no annual overall maximum and no enrollment age limit, plausibly meeting the 'no coverage limit / SNS-equivalent' standard; but Silver/Gold carry annual caps, routine outpatient care requires the optional International Outpatient module to reach SNS-equivalence, and DGSFP registration of the issuing entity plus a zero-copay/zero-deductible configuration are not confirmed in the researched facts.

  • Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
  • No upper enrollment age (18+); insurer states it does not terminate policies based on age
  • Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium

from — /mo

View plans (opens in a new tab)

Einige Links sind Affiliate-Links — siehe unsere Offenlegung. Die Rangfolge richtet sich nach der Passung zur Anforderung, niemals nach Provisionen.

Was Sie vor dem Abschluss prüfen sollten

  • 📄Der Wortlaut der Bescheinigung entspricht der Visa-Anforderung — nennt das Land und den Deckungszeitraum ausdrücklich.
  • 💶Die Deckung ist umfassend (stationär, ambulant und Notfall), da kein festes Minimum veröffentlicht ist.
  • 🚑Notfallbehandlung, Krankenhausaufenthalt und medizinischer Rücktransport sind alle eingeschlossen.
  • 📅Die Police läuft über den gesamten Aufenthalt, für den Sie den Antrag stellen — viele Reiseversicherungen begrenzen die Reisedauer.
  • 🌍Sie sind tatsächlich berechtigt, sie abzuschließen (manche Tarife verkaufen nur an Personen mit Wohnsitz in der EU/UK/USA).
  • 🤝Sie passt dazu, wie die Versorgung vor Ort funktioniert — siehe die Seite zum Gesundheitssystem.
🛡️ Wie das Gesundheitswesen in Spain tatsächlich funktioniert →

Versicherung für das DNV: FAQ

Versicherung für das DNV: FAQ

Ist eine Krankenversicherung für das Spain DNV verpflichtend?

Erforderlich (ausdrücklich). Health insurance is required under art. 62.3.e Ley 14/2013 ('seguro público o privado de enfermedad'), as implemented by section Quinta of the joint Instruction: a public or private sickness insurance policy contracted with an insurer authorized to operate in Spain, which must remain active for the entire validity period of the authorization. Travel insurance is expressly not valid. Per the UGE requirements PDF and FAQ, if you are covered by an international social-security coordination instrument that includes healthcare, a certificate of entitlement from your home institution suffices; otherwise you need public insurance (via Spanish Social Security registration) or a private sickness policy with coverage equivalent to the National Health System (SNS). These documents are not needed when the teleworker will register with Spanish Social Security after approval, which is mandatory for most applicants. Explicitly not accepted: travel insurance, reimbursement-only policies, and policies with copays or waiting periods. For the consular route, the Washington consulate requires the insurer to be registered with Spain's Dirección General de Seguros y Fondos de Pensiones (DGSFP) and the policy to cover all risks insured by Spain's public health system for the entire duration of the authorization, with no deficiency, copayment or coverage limit. There is no monetary minimum coverage figure: the standard is SNS-equivalent coverage with no coverage limit, which is why no euro minimum is shown here. In the accepted types listed above, 'international health' means a full private health policy from a Spain-authorized (DGSFP-registered) insurer, and 'public enrollment' means Spanish Social Security affiliation or an S1/coordination certificate.

Kann ich eine normale Reiseversicherung nutzen?

Nach den veröffentlichten Anforderungen ist eine einfache Reiseversicherung für dieses Programm nicht eindeutig anerkannt — ein internationaler Krankenversicherungstarif ist der sicherere Weg. Prüfen Sie dies anhand der offiziellen Quelle unten.

Quellen