- Complete Coverage: The insurance required to obtain a NIE must offer comprehensive healthcare, which means it must cover the same benefits as Social Security in Spain.
Summary of services that should be included:
- Primary care
- Emergency services
- Medical and surgical specialties
- Diagnostic tools, tests, X-rays, ultrasounds, MRIs, CTs, etc.
- Therapeutic treatments
- Hospitalization
- Coverage for medical expenses exceeding 100,000 euros
- No Copayments: This type of insurance only requires payment of the premium, with no additional charges for consultations or treatments.
- No Waiting Periods To facilitate immediate access to all coverages, a health insurance without shortcomings, at least for emergencies and accidents.
- Medical Expense Limit For students For foreigners, a minimum of €100,000 in medical expenses is required. However, since a single surgery can exceed this limit, it is recommended to opt for a policy with no medical expense limit, thus ensuring full coverage for any eventuality.
- Repatriation Repatriation is a coverage that ensures return to the country of origin in the event of death. Although this coverage can be purchased as an additional health insurance, there is also the option of specific repatriation insurance.
It is essential to consider these aspects when selecting a health insurance, not only to comply with procedural requirements, but also to ensure adequate protection against any eventuality.
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Why do you need health insurance to obtain the NIE in Spain?
If you are going to reside in Spain for studies, work or family reunification, one of the fundamental requirements to process the NIE (Foreigner Identity Number) is to have a private health insurance that guarantees full coverage. The Spanish authorities require that insurance cover general medical care, hospitalization and emergencies, without co-payments or waiting periods.
Features that medical insurance for NIE must have
To be accepted for your NIE application, your health insurance must meet the following conditions:
Full coverage in Spain, equivalent to public health.
No co-payments, deductibles or coverage limits.
Valid throughout your stay.
Issued by a company authorized to operate in Spain, like Sanitas.
It must be health insurance, not travel insurance.
Why choose Sanitas for your health insurance?
Family assistance IPLUS It is one of the most recognized insurance companies in Spain and offers specific policies for foreigners who need the health insurance for NIEWith Sanitas, you will have:
Unlimited medical assistance in participating centers.
Immediate certificate, adapted for the NIE application.
No waiting periods or co-payments.
Attention in several languages.
In addition, Sanitas is recognized by the Spanish authorities as a valid provider for this type of procedures.
How much does health insurance for NIE cost with Sanitas?
The price varies depending on age and length of coverage, but you can find policies from €30 per monthThe most important thing is that insurance meet all NIE requirementsWith Sanitas, you can apply online and receive your certificate in just a few hours.
Frequently asked questions about NIE insurance in Spain
Can I use travel insurance for the NIE?
No. The insurance must be health insurance, not travel insurance, and must cover all medical services in Spain.
Do I need insurance before applying for the NIE?
Yes. You must present it at the time of your appointment or request.
Can I pay for insurance month by month?
Most policies require the full annual payment for immigration procedures.
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