Social Security or private cover? Start with how you will meet Spain’s Social Security rules.
Before you begin
If you have not yet checked whether recognised public entitlement could satisfy your route, start there first. Check public healthcare entitlement →
Short answer
Spain’s Digital Nomad Visa does not automatically require every applicant to buy private health insurance. Your route depends on your Social Security position and whether that arrangement includes healthcare in Spain.
Written by Jon Grocott
Start with your Social Security position
An employee will normally need an overseas employer to register with Spanish Social Security. A self-employed applicant will normally be expected to register in RETA. In some cases qualifying cover can remain in another country under an applicable agreement and official certificate.
When private insurance is required
Private insurance may be needed when you cannot rely on Spanish public healthcare or qualifying entitlement from another system.
Use an insurer authorised to operate in Spain
Check for cover equivalent to Spain’s National Health System
Travel and reimbursement-only policies are not accepted by the UGE
UGE guidance excludes co-payments and waiting periods
Check before submitting
Follow the current checklist issued by the consulate or UGE handling your application. Make sure every family member is properly covered and do not rely on a quote or marketing summary.
Visa and residence-authorisation duration
The consular visa and UGE residence authorisation are different. A visa issued abroad can cover up to one year. An initial UGE residence authorisation can last up to three years and may be renewed in two-year periods.
US certificates of coverage
A certificate determining US Social Security liability does not automatically provide healthcare through Spain’s public system. Suitable insurance may still be required.
Family members
Every accompanying family member needs acceptable healthcare evidence. Confirm that each person is named or properly included.