Does an international IPMI policy from Cigna Global, GeoBlue or IMG count for the Spain DNV?

No, almost never. Spanish consulates require the insurer to be authorised to operate within Spain. International IPMI policies issued by non-Spanish entities are routinely rejected — even when their coverage is objectively stronger. Use a Spanish-authorised insurer (Sanitas, Adeslas, DKV, Asisa, Mapfre, Cigna Spain) for the application.

Is there an exact €30 000 minimum coverage requirement?

No published number. The €30 000 figure circulating in many guides is the Schengen short-stay visa minimum — not a Spain DNV requirement. Spain's DNV requires comprehensive cover equivalent to Seguridad Social, with no co-payment, for the full residency period.

Can the policy have any co-payment?

No. Spanish consulates require sin copagos (zero co-payment) for the DNV. Standard Spanish private plans often include co-pays — verify your policy explicitly states no co-payment before submission.

Do I need to keep the Spanish policy after I'm approved?

For the full duration of your residency. The policy is checked at renewal. Cancelling mid-permit and switching to an international plan can put your renewal at risk.

Spain

Digital Nomad Visa (Visado para teletrabajadores de carácter internacional): health insurance requirements

Yes — health insurance is required

Yes — Spain's Digital Nomad Visa requires private health insurance with no co-payment, issued by an insurer authorised to operate in Spain. International travel insurance is rejected. Spain does not publish a numerical minimum coverage amount; consulates instead require comprehensive cover equivalent to Spain's public Seguridad Social.

The requirements at a glance

Repatriation required	Not required
COVID-19 cover required	Not required
Minimum policy duration	Full duration of authorised stay (1 year initial visa, renewable)
Local-licensed insurer required	Yes — international IPMI alone is usually rejected
Accepted proof	Policy certificate from an insurer authorised to operate in Spain, comprehensive cover, no co-payment (sin copagos), valid for full residency period

No published numerical minimum coverage amount in Ley 28/2022 (Startup Law) or BOE. Consulates require comprehensive cover equivalent to Seguridad Social. Insurer authorisation is non-negotiable — Spanish-only policies (Sanitas, Adeslas, Cigna Spain, DKV, Asisa, Mapfre) are typically accepted; pure international IPMI from non-Spanish carriers is routinely rejected. Primary consulate URL returned HTTP 404 at time of verification (2026-05-28); cross-referenced across SpainGuru, GetGoldenVisa, CitizenRemote, and movingtospain.com.

Our take

Spain is the strictest of the major EU nomad-visa countries on insurance authorisation. The single biggest application rejection cause is submitting an international IPMI policy (Cigna Global, GeoBlue, IMG) from a non-Spanish entity. Even if the cover is objectively more comprehensive than a Spanish-authorised policy, the consulate will reject it.

Our take: if you're applying for the Spanish DNV, plan for two policies — a Spanish-authorised primary (Sanitas, Adeslas, DKV) for the visa, and a separate international plan if you also travel widely outside Spain. The Spanish primary will run roughly €60–€150/month depending on age and tier.

What happens if you get it wrong

Visa rejection — the most common Spanish DNV rejection cited by immigration lawyers in 2025–2026.

Application restart — you can re-submit with a compliant policy, but the consulate appointment queue means weeks to months of delay.

If you arrive in Spain on a Schengen visa expecting to switch in-country with non-compliant insurance, you may be forced to leave and re-apply from your home country.

FAQ

Reviewed by Lukas Schönberg — Founder & researcher, Nomad Insurance Broker OÜ

Source: spainguru.esLast verified 28 May 2026

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