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Spain · DNV · Seguro

Seguro médico para el visado DNV de Spain

Verified data Última verificación June 10, 2026 Reviewed by Henry van de Vorming

La mayoría de los visados para nómadas digitales convierten el seguro médico en una condición para la aprobación — y el DNV de Spain no es diferente. Aquí tienes exactamente qué se exige, los planes que plausiblemente lo cumplen y qué comprobar antes de contratarlo.

El requisito

Seguro
Obligatorio (explícito)
Cobertura mínima
No especificado
Obligatorio para
Toda la vigencia del visado

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.

Planes que cumplen el requisito

Ordenados por adecuación al requisito y, después, por precio. El estado de cumplimiento se muestra por plan — comprueba siempre que el certificado de la póliza coincide con la redacción del consulado antes de presentar la solicitud.

#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)

Algunos enlaces son de afiliación — consulta nuestra divulgación. Las clasificaciones se basan en la adecuación al requisito, nunca en comisiones.

Qué comprobar antes de contratar

  • 📄La redacción del certificado coincide con el requisito del visado — debe nombrar explícitamente el país y el periodo de cobertura.
  • 💶La cobertura es integral (hospitalización, ambulatoria y urgencias), ya que no se publica un mínimo fijo.
  • 🚑El tratamiento de urgencia, la hospitalización y la repatriación médica están todos incluidos.
  • 📅La póliza cubre toda la estancia para la que solicitas el visado — muchas pólizas de viaje limitan la duración del trayecto.
  • 🌍Eres realmente elegible para contratarlo (algunos planes solo se venden a residentes de la UE, el Reino Unido o EE. UU.).
  • 🤝Encaja con el funcionamiento de la asistencia sanitaria local — consulta la página del sistema sanitario.
🛡️ Cómo funciona realmente la sanidad en Spain →

Seguro para el DNV: preguntas frecuentes

Seguro para el DNV: preguntas frecuentes

¿Es obligatorio el seguro médico para el DNV de Spain?

Obligatorio (explícito). 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.

¿Puedo usar un seguro de viaje normal?

Según los requisitos publicados, un seguro de viaje sencillo no se acepta con claridad para este programa — un plan de salud internacional es la opción más segura. Verifícalo en la fuente oficial que figura abajo.

Fuentes