Health Insurance for Digital Nomads in Spain: Visa Requirements & Best Plans
Expats moving to Spain must have health insurance to qualify for the Digital Nomad Visa. Digital nomads can purchase comprehensive health insurance plans from international providers like Cigna, Allianz, and others.
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Are you a digital nomad interested in moving to Spain? Are you unsure what the health insurance requirements are for the visa? This article from Pacific Prime will act as a guide to help expats understand the Digital Nomad Visa.
We will explain the visa’s health insurance requirements, what expats should look for in health insurance, the best health insurance for Spain, and more. Keep reading to find out more, or click here to compare health insurance plans for Spain using our free quote tool!
Spain Digital Nomad Visa Health Insurance Requirements
Spain’s Digital Nomad Visa requires applicants to show proof of adequate health insurance coverage. This health insurance must be comprehensive, covering inpatient and outpatient care as well as the risks covered by Spain’s public health insurance system.
Additionally, this coverage must be valid for the entire duration of the applicant’s stay in Spain, and the insurance company must be licensed in Spain or recognized by Spanish authorities. Health benefits provided by travel insurance do not fulfill this requirement.
Spain Digital Nomad Visa Eligibility
The Digital Nomad Visa is available for any expat planning to live in Spain and work remotely for an employer or themselves outside of the Spanish national territory. Self-employed expats on a Digital Nomad Visa may be able to work for a Spanish employer part time.
The visa applicant must have an undergraduate or postgraduate degree from a university, college, or a business school of prestige or at least three years of work experience in their current field.
What to Look for in Health Insurance as a Digital Nomad in Spain
Expats looking for health insurance for their Digital Nomad Visa application should ensure their policy has adequate levels of coverage, support for expats, and other important features. While many health insurance policies feature different benefits, here are the most important for expats:
- Adequate Coverage: Look for a health insurance policy with adequate inpatient and outpatient coverage. Your health insurance policy should generally have the same amount of coverage as Spain’s public health insurance, covering emergencies, doctor’s visits, and more.
- Global Networks: International health insurance policies offer global networks for their members, allowing expats traveling outside of Spain the same level of coverage. Digital nomads who plan to travel frequently should purchase an international health insurance plan with a broad global network.
- Support for Expats: Health insurance with a multilingual support team can be a valuable benefit for expats in Spain. A 24/7 customer support line that speaks your language can help you navigate medical emergencies more quickly and easily.
- Simple Claims Process: Look for a health insurance plan that provides a simplified claims process, whether through an accessible digital platform or other means. Slow and complicated claims processes can keep expats from receiving their reimbursements in a timely manner.
- Reputable Insurance Company: Take care to read reviews when looking at various insurance companies and choose a provider with a stable reputation. As part of the Digital Nomad Visa requirement, you must choose a provider that is either licensed in Spain or recognized by Spanish authorities.
Best Health Insurance Plans for Digital Nomads in Spain
The best health insurance plans for digital nomads in Spain fulfill visa requirements while also meeting personal needs. International health insurance plans from providers like Cigna, Allianz Care, AXA, and April International are popular with digital nomads.
If you’re interested in learning more about recommended health insurance companies for Spain, read our article Top 10 Health Insurance Providers for Expats in Spain!
Cigna Global Plans for Digital Nomads in Spain
Cigna Global provides digital nomads with health insurance in Spain through its international health insurance plans. Cigna offers customizable plans, allowing expats to choose their core plan and add optional coverage dependent on their needs.
The two main plan options Cigna offers are its Global Health Options in Silver, Gold, and Platinum, and its other plan, Close Care. Close Care is a cheaper health insurance plan with a smaller global network, but it may require optional add-ons to fit Spain’s visa requirements.
Outpatient coverage can be purchased through Cigna’s International Outpatient module. This outpatient plan includes coverage for:
- Doctor or specialist consultations
- Diagnostic tests such as blood work, X-rays, MRIs, or ultrasounds
- Outpatient procedures that are done in a clinic or a day-surgery center
- Physiotherapy or rehabilitation (dependent on plan)
- Hormone therapy
- Prenatal or postnatal care (not available in Silver and subject to waiting periods)
Allianz Care Plans for Digital Nomads in Spain
Allianz Care is a leading international health insurance provider that offers health insurance to expats in Spain through their three Core plans: Care Base, Care Enhanced, and Care Signature. Once you have selected the Core plan you prefer, you can add additional coverage.
Additional coverage is available through Allianz Care’s Outpatient plan and Dental plan. Once you have chosen any additional plans, you will then choose your chosen area of coverage: Worldwide, Worldwide excluding USA, Africa only, or Europe only.
Allianz also provides the following expat support features in all its plans:
- Travel security services
- Reimbursement for one digital health app of your choice up to specific limits
- Olive (a health and wellness support program)
- MyHealth Digital Services
- Second Medical Opinion Service
AXA Plans for Digital Nomads in Spain
AXA is a reputable international health insurance company that protects digital nomads in Spain with its variety of health insurance plans. Expats have five plan options to choose from: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
AXA also provides additional optional upgrades through greater outpatient benefit limits, dental benefits, and health and well-being benefits through preventative screenings. These optional benefits may not be available for all of the five plan options.
April International for Digital Nomads in Spain
Headquartered in Europe, April International is a popular provider for digital nomads in Spain due to its comprehensive insurance solution, MyHealth International. This health insurance plan comes in five coverage tiers: Emergency, Basic, Essential, Comfort, and Premium.
Why Health Insurance Is Essential for Digital Nomads in Spain
Health insurance coverage keeps digital nomads in Spain visa-compliant and financially protected while they are living abroad, among other important reasons. Health insurance is a valuable asset to every expat worldwide, and we will explain why in the following sections.
Prevents Visa Application Rejections and Renewal Issues
Digital nomads in Spain with adequate health insurance coverage will not have to face visa application rejection or renewal issues regarding their health insurance. Expats who do not purchase health insurance coverage that meets visa compliance run the risk of these consequences.
Keeps Expats Financially Protected
Digital nomads in Spain with private health insurance coverage will experience more financial protection in the case of a medical emergency. Expats who do not have health insurance will have to pay for any medical services out of pocket, which can add up quickly depending on the situation.
Helps Expats Navigate Spain’s Healthcare System
A private health insurance plan that offers expat support can help expats navigate Spain’s healthcare system more quickly and efficiently. Multilingual customer support services can help guide digital nomads to providers near them that may help them with their healthcare needs.
Frequently Asked Questions:
Can digital nomads use travel insurance instead of a health insurance plan?
Digital nomads cannot use travel insurance instead of a health insurance plan for their visa requirements. The Digital Nomad Visa requires applicants to show proof of health insurance coverage that matches at a minimum the risks covered by Spain’s public health insurance.
Can digital nomads use public healthcare in Spain?
Digital nomads can use public healthcare in Spain, but they will have to pay for their medical care out of pocket, as they are not eligible for public health insurance. Because expats will have to pay for their medical care either way, many choose to visit private healthcare facilities.
Who is eligible for a Spanish Digital Nomad Visa?
The Digital Nomad Visa is available for those planning to live in Spain and work remotely outside of the Spanish national territory. The visa applicant must also have either a postgraduate or undergraduate degree or three years of work experience in their current field.
Conclusion:
Digital nomads in Spain can fulfill their visa requirements by purchasing adequate health insurance coverage. This health insurance coverage can be purchased from local or international health insurance providers. Many expats choose international health insurance plans for their global networks.
Are you ready to begin shopping for your Digital Nomad Visa health insurance plan? Let the insurance experts at Pacific Prime help you find the right fit. As a global health insurance broker who specializes in expat health insurance, Pacific Prime can offer a wealth of professional expertise.
We offer free and unbiased advice to our clients. Contact Pacific Prime to discuss a range of Spain health insurance plans available for you, your loved ones, or your group. To get a no-obligation, free price comparison quote, visit our website today!
If you enjoyed this article, check out our other articles on topics other expats in Spain may be interested in below!
- Health Insurance in Spain for Expats: Public, Private & International Options
- Health Insurance for Retirees in Spain: Coverage for Over-60s.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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