Last Updated on April 18, 2026 by Bruno Bianchi
Question
I’m looking at the steps, and it looks like you need health insurance with full medical coverage. But what happens if the Spain non lucrative visa is not approved?
Answers
These are the answers of Spainguru’s Spanish Non Lucrative Visa group members:
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Start the Moving to Spain Hub →“If you qualify for an Spain Non Lucrative Visa, it’s highly unlikely you would be denied. Best to make sure that you meet the criteria before applying.”
“The providers of health insurance, such as Sanitas, Adeslas, and DKV, are aware of the potential problems regarding the approval or non-approval of visas. They will usually refund in total any policies that this affects. But make sure you understand the cancellation and refund policy before you hire.”
“You are pretty much stuck. DKV, like all of the insurance companies, said they would refund the money if you get denied. Not true. Money lost.”
“You need to agree to take medical cover as a part of the application process, not actually take it. Suggest you check the official government website rather than ask questions on Facebook.”
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Explore Cities →“Just get in writing the refund policy.”
“If you are denied an NLV, make sure you get proof of that. ASISA told me they would refund if that was the case.”
“Not all insurers will refund. Make sure you speak with experienced brokers—they will advise.”
“Provide proof of rejection, and DKV will cancel the policy. DKV has visa-adapted and approved policies with NO WAITING PERIOD. They offer different levels of policies, including some with worldwide cover.
For visa or residency purposes, most will buy the more affordable Spanish network medical policy with no waiting period for a full 12-month term and no copayments.”
Conclusion
According to Spainguru’s Spanish Non Lucrative Visa group members, purchasing health insurance for a Spain Non-Lucrative Visa can be a financial risk if your visa is denied. While some insurance providers offer full refunds upon visa rejection, others do not refund at all.
To minimize risk, applicants should always get the refund policy in writing before purchasing a policy. Some members recommend checking directly with providers such as ASISA, DKV, and InsureExpats.com to confirm their policies regarding visa denials.
Additionally, ensuring that the insurance meets Spanish visa requirements with no waiting periods or copayments is key for a successful application.
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