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Spain · DNV · Assurance

Assurance santé pour le visa DNV de Spain

Verified data Dernière vérification June 10, 2026 Reviewed by Henry van de Vorming

La plupart des visas pour nomades numériques font de l'assurance santé une condition d'approbation — et le DNV de Spain ne fait pas exception. Voici exactement ce qui est exigé, les formules qui répondent vraisemblablement à l'exigence et ce qu'il faut vérifier avant de souscrire.

L'exigence

Assurance
Obligatoire (explicite)
Couverture minimale
Non précisé
Exigée pour
Toute la durée du visa

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.

Formules répondant à l'exigence

Classées par adéquation à l'exigence, puis par prix. Le statut d'éligibilité est indiqué pour chaque formule — vérifiez toujours que le certificat de la police correspond à la formulation du consulat avant de déposer votre demande.

#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)

Certains liens sont des liens d'affiliation — voir notre divulgation. Les classements reposent sur l'adéquation à l'exigence, jamais sur les commissions.

Ce qu'il faut vérifier avant de souscrire

  • 📄La formulation du certificat correspond à l'exigence du visa — il nomme explicitement le pays et la période de couverture.
  • 💶La couverture est complète (hospitalisation, soins ambulatoires et urgences), puisqu'aucun minimum fixe n'est publié.
  • 🚑Les soins d'urgence, l'hospitalisation et le rapatriement médical sont tous inclus.
  • 📅La police couvre tout le séjour pour lequel vous postulez — beaucoup d'assurances voyage plafonnent la durée du séjour.
  • 🌍Vous êtes bien éligible à la souscription (certaines formules ne sont vendues qu'aux résidents de l'UE/du Royaume-Uni/des États-Unis).
  • 🤝Elle s'accorde avec le fonctionnement des soins sur place — voir la page système de santé.
🛡️ Comment fonctionne vraiment la santé à Spain →

Assurance pour le DNV : FAQ

Assurance pour le DNV : FAQ

L'assurance santé est-elle obligatoire pour le DNV de Spain ?

Obligatoire (explicite). 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.

Puis-je utiliser une assurance voyage classique ?

D'après les exigences publiées, une simple assurance voyage n'est pas clairement acceptée pour ce programme — une assurance santé internationale est la voie la plus sûre. Vérifiez auprès de la source officielle ci-dessous.

Sources