Purchase private health insurance from a Spanish-authorized insurer — full coverage with no co-pays and no waiting periods (NLV requirement)

NLV applicants must arrive fully insured by a Spanish-authorised private insurer, with cover comparable to the public system: no co-pays, no waiting periods. Travel insurance does not qualify. Insurers know this market well — ask specifically for a visa-compliant policy and get the compliance wording in writing for your application.

WHEN IT'S DUE

Due 45 days before you arrive in Spain.

WHY IT MATTERS

A legal requirement for your situation. Verified against an official government source (AEAT, extranjería, BOE).

WHAT COMES FIRST

• Identify your visa category

View the official source ↗

inclusion.gob.es

Last verified 4 Jul 2026 · See what we’ve corrected →

LOLA'S TIP

Sort this before you need it — coverage gaps are the expensive kind of surprise.

Where does this fall in your move?

Whether this step even applies — and when it's due — depends on your passport, work, family and plans. Answer a few questions and Get Camino builds your full roadmap, every step in the right order with real deadlines.

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