Question
This is a second/third-year question about a residency application. Does the second year of private insurance have to be paid in full like the first year had to be?
I’ve heard that some insurance companies let you switch to monthly payments while others require the second year to be paid in full.
Answers
These are the answers of Spainguru’s Facebook group members:
“That’s interesting because we had to pay upfront for the year again. I will query when we renew for years 4 and 5 next summer.”
“We were with Sanitas, and they had no problem accepting monthly payments. Also, Extranjería had no problem renewing with monthly payments.”
“No, we took monthly payments and had no problems with the renewals.”
“I’m just doing my 2/3 NLV renewal and paid for one full year with auto-renewal on the certificate.”
“We never paid in full in the first year.”
“We switched to monthly and had no issues with our renewal.”
“I had my year 2 & 3 renewal accepted yesterday. Paid quarterly, no questions asked (although my insurance broker had said I should pay the full year).”
Conclusion
Based on the experiences shared by members of the Spainguru Spanish Non Lucrative Visa group, the requirement to pay health insurance in full for the second year of a Spain Non Lucrative Visa renewal varies by insurance provider.
Some members reported successfully switching to monthly or quarterly payments without issues during renewal, while others had to continue paying for the full year upfront.
It appears that Extranjería generally accepts renewals with different payment plans, but the decision ultimately depends on the insurance company’s policies.
Those applying for renewal should check with their provider and confirm their payment options in advance. Also, working with experienced brokers or exclusive agents can help, as they can offer tailored advice.
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Make sure to join our dedicated Spanish Non Lucrative Visa group here!
