Spanish Health Insurance

Yes, we have a suitable policy that meets the current immigration requirements - It's our most sold policy for Visa and Residency applications . The policy is annual and provides full cover without copayments. Please see the brief summary below:

Integral Elite – Spain Only

In brief – This policy provides full cover with no copayments or exclusions (don’t pay extra for anything) . It also includes Dental Cover and International Travel Assistance. Please see page 9 of the brochure for a breakdown of the different policies and their respective coverages.

With this policy there are no waiting periods for emergency treatments. You will be covered from day 1. Waiting periods only apply in the first year for non-emergency treatments i.e. hip or knee replacement surgery (6 months).

The integral Elite policy will provide you with access to any private hospital/clinic in Spain (inside the DKV directory)

Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures

Yes, we have a suitable policy that meets the current immigration requirements - It's our most sold policy for Visa and Residency applications . The policy is annual and provides full cover without copayments. Please see the brief summary below:

Integral Elite – Spain Only

In brief – This policy provides full cover with no copayments or exclusions (don’t pay extra for anything) . It also includes Dental Cover and International Travel Assistance. Please see page 9 of the brochure for a breakdown of the different policies and their respective coverages.

With this policy there are no waiting periods for emergency treatments. You will be covered from day 1. Waiting periods only apply in the first year for non-emergency treatments i.e. hip or knee replacement surgery (6 months).

The integral Elite policy will provide you with access to any private hospital/clinic in Spain (inside the DKV directory)

Have a look at our English brochures.https://www.dkvinsurance.com/dkv-english-brochures

Yes, our DKV Selection policy has no age limits. For more information, please have a look at our brochure here. https://www.dkvinsurance.com/dkv-english-brochures

Yes, our DKV Reimbursement policies provides Global Cover.

Mundisalud – Global cover - Suitable for Visa & Residency applications

In brief – This policy provides full cover with no copayments or exclusions. It also includes Dental Cover and International Travel Assistance. Please see page 10 of the brochure for a breakdown of the different policies and their respective coverages.

As with the Integral Elite policy, you will be 100% covered when in Spain.

When you use the policy abroad for either non-emergency or emergency care then you will be reimbursed 90% of your invoices within 7 days. You can also use this policy in Spain (at any Non DKV private hospital/ clinic and get reimbursed 80% of your costs) - This is a very popular product amongst our clients who travel often.

Waiting periods

With DKV, almost all benefits can be used from day one, and there are only waiting times for some specific services.

• Planned treatments : 6 months

• Biomechanical gait study: 6 months

• Deliveries (except preterm deliveries): 8 months

• Transplants: 12 months

Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures

Yes, we have high to low Copayment policies available. - Not suitable for Visa or Residency applications.

DKV copayment insurance, also known as copay insurance, is a type of health insurance that requires policyholders to pay a portion of the cost of their healthcare services out of pocket. This is in contrast to traditional health insurance plans that may cover all or a larger portion of medical expenses.

Have a look at our English brochure for more information. https://www.dkvinsurance.com/dkv-english-brochures

With DKV Integral, all provisions can be used from day one; only some specific services have waiting periods.

• Hospitalisation and surgery (including surgical prostheses): 6 months

• Biomechanical gait analysis: 6 months

• Childbirth (except for premature births): 8 months

• Transplants: 12 months

Any policyholder who wishes to request the cancellation of the policy must do so in writing at least one month before the policy's maturity.

Health insurance policies expire at the end of the calendar year, i.e. 31 December; other policies expire one year from the date the contract enters into force. The following must be included in the cancellation request: • Tax ID (NIF/NIE) of the policyholder (a scan is fine if sending by email). • Policy or card number. • Signature of the policyholder. You may send your application: • By post or fax to your local branch. • By email at atencion.cliente@dkvseguros.es. In this case, please attach the scanned Tax ID number/ Foreign resident ID and the document signed by the policyholder.

In addition, if you change your mind after having signed a policy, you have the so-called "right of withdrawal". Once you sign a contract, you have fourteen calendar days to cancel it, and you must notify the company in writing or by telephone. In any case, make sure beforehand that the company in question accepts that option.

Commitment to reimburse expenses in less than 7 days

The duration of the contract is stipulated in the policy. It is annual and can be renewed by calendar years. The contract is renewed automatically every year without requiring confirmation.

A customer who takes out a DKV health insurance will permanently benefit from a lower price in one of these cases:

• Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment)

• Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)

• Discounts applicable based on the current promotion. In the case of DKV Integral, insured persons who take out the health insurance before 31 Dec 2023 will obtain a 36% discount . 34% discount after June 2023, a 24% discount in 2024 and a 12% discount in 2025.

These discounts can be accumulated.

Yes, our Integral Elite policy provides full cover without Co-payments. This policy is suitable for the DNV. Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures

A digital nomad visa is a type of visa or permit specifically designed for individuals who work remotely and have the flexibility to travel and work from different locations. These visas allow digital nomads to reside in a foreign country legally while working online.

Requirements for a digital nomad visa may vary depending on the country offering the visa. Here are some common requirements that may be associated with digital nomad visas:

1. Eligibility: Typically, digital nomad visas are open to individuals who work remotely or have online-based employment. Some countries may require applicants to prove a certain level of income or have specific qualifications.

2. Health Insurance: Proof of adequate health insurance coverage is often a requirement for digital nomad visas. This ensures that individuals have access to healthcare services during their stay.

3. Sufficient Funds: Applicants may need to demonstrate that they have sufficient financial resources to support themselves during their stay. This can be in the form of bank statements, savings, or other financial documents.

4. Travel Documents: A valid passport with a sufficient validity period is usually required for a digital nomad visa application.

5. Background Checks: Some countries may require applicants to undergo background checks, such as providing a criminal record certificate or other relevant documentation.

It's important to note that digital nomad visa programs can vary greatly from one country to another in terms of eligibility, requirements, application procedures, and visa duration. It is crucial to check the specific requirements and guidelines provided by the country you are interested in to obtain the most accurate and up-to-date information. More information can be found here.

The Spanish Non-Lucrative Visa opens the door to an extended stay in one of Europe's most captivating countries. By following the outlined process and meeting the necessary requirements, individuals can enjoy the Spanish lifestyle, immerse themselves in the local culture, and create lasting memories in this remarkable country. So, whether you are a retiree seeking a peaceful haven or a freelancer looking for inspiration, the Spanish NLV is the best option for you ! See our comprehensive guide here.