DKV Health Insurance Spain 2026: Visa Plans & Costs
Exclusive DKV Agent — Carlos Andrés Blanco Rey
Carlos is an exclusive agent for DKV Seguros, with extensive experience helping expats secure visa-compliant health insurance in Spain. He speaks perfect English and is praised for his responsiveness and professionalism.
Why DKV for your Spanish visa?
DKV Seguros is one of Spain’s most established private health insurance companies, founded in 1932 and headquartered in Zaragoza. It is part of the Munich Re group through ERGO, one of the world’s largest reinsurance groups, which gives DKV the financial backing and long-term stability expats look for when choosing a policy for their visa or residency.
With nearly 2 million clients across Spain, a network of more than 40,000 medical professionals and over 1,000 health centers, DKV provides complete access to quality healthcare anywhere in the country — perfect for residents moving to Madrid, Barcelona, Valencia, Málaga, Alicante, Mallorca and beyond.
Health Insurance for Expats in Spain — What you get
- ✅ No waiting periods — access medical care from day one.
- ✅ No co-payments — unlimited usage with no extra per-visit fees.
- ✅ Fully compliant with Spanish visa requirements at every Spanish consulate.
- ✅ Suitable for: Non-Lucrative Visa (NLV), Digital Nomad Visa (DNV), Student Visa, Residency Renewals, and CUE (Certificate of Registration for European Union Citizens).
- ✅ Coverage across the entire Spanish territory with one of the largest medical networks in the country.
- ✅ Backed by Munich Re / ERGO Group — one of the world’s strongest insurance groups.
- ✅ Spouses and children can be included under the same policy.
Who is DKV Expat insurance for?
It is the ideal solution for Non-EU citizens applying for Spanish residency through the Non-Lucrative Visa (NLV), Digital Nomad Visa (DNV), Student Visa, or any residency renewal — it fulfills the consular requirement of private health insurance equivalent to Spain’s public healthcare system. It is also valid for EU citizens registering for the CUE (Certificate of Registration for European Union Citizens).
Requirements
- Easy payment methods: Wise, PayPal, Wire Transfer.
- Passport with photo for policy processing.
- Phone & email required (Spanish address not needed at the start).
- Medical questionnaire required — applicant must be in good health.
- 1-year minimum contract, annual or single payment.
Key features
- NO COPAYMENT — unlimited usage at no extra cost.
- NO WAITING PERIOD — access care from day one.
- FULLY VISA-COMPLIANT — accepted by strict consulates (NYC, LA, DC, Miami, SF, etc.).
- Coverage across the entire Spanish territory.
- Family policies available (spouse + children).
DKV Expat Comprehensive Coverage
A snapshot of what the policy includes — designed to mirror the scope of Spain’s public healthcare system.
Consultations & hospitalizations
- Consultant specialist visits
- Outpatient surgery
- Hospitalization in a hospital
- Day hospitalization
Diagnostic techniques
- Clinical analysis: karyotypes, genotypes, immunohistochemistry, molecular biology
- Specialized radiology: PET, MRI, CT, interventional radiology
- Cardiocirculatory: ergometry, holter, vascular hemodynamics
- Nuclear medicine
- Fibroendoscopies of all types
Specialized care
- Gynecology: amniocentesis & amnioscopy
- Ophthalmology: angiofluoresceingraphies
- Urology: urodynamic studies
- Genetic tests
- Neurophysiology: sleep studies
Special treatments
- Oncology: chemotherapy, immunotherapy, radiotherapy
- Rehabilitation (all techniques)
- Oxygen therapy, ventilation therapy, home spray therapy
- Arthroscopic surgery
- Renal lithotripsy & laser therapy
- Peritoneal dialysis & hemodialysis
- Pain unit treatment
- Psychotherapy
About Carlos Blanco — your exclusive DKV agent
CABR Relocation Solutions for Expats — visa, legal, insurance and relocation services across Spain.
Carlos Andrés Blanco Rey
Born into a modest, hard-working family in Colombia, Carlos pursued a law degree and then a master’s in business law in Paris. After relocating to Madrid, he fell in love with Spanish life and founded “Relocation Solutions Agency for Expats” to help others follow their dreams of living in Spain.
Today, Carlos and his experienced team offer comprehensive visa, legal, insurance (as exclusive agent for DKV Seguros) and relocation services across Spain. As a collegiate administrative manager authorized by the Spanish government, Carlos provides professional representation before public institutions. Having gone through the expat journey himself, Carlos understands every challenge firsthand and is dedicated to guiding others confidently through the process.
Carlos A. Blanco Rey offers the seal of quality by being part of the prestigious College of Managers of Madrid, Collegiate #3765.