Short answer
The Spain Non-Lucrative Visa (NLV) is for non-working residence. The official Consulate General of Spain checklist requires health insurance from an insurer authorized to operate in Spain, financial means of 400% of IPREM, a medical certificate, and a criminal record certificate (Source: ES_NLV_LA_EXTERIORES_2026, Required documents; verified 2026-06-08). This guide summarizes the documents and the money rule, then points you to the insurance check.
Key findings at a glance
| Item | Value |
|---|---|
| Route | Spain NLV (Consulate General of Spain, Los Angeles) |
| Financial means | 400% of IPREM (plus the full IPREM per family member) |
| Insurance | Health insurance authorized in Spain; travel insurance not accepted |
| Medical certificate | Required (2005 International Health Regulations) |
| Source | ES_NLV_LA_EXTERIORES_2026, verified 2026-06-08 |
What the authority requires
The official consulate checklist lists, among its required documents (Source: ES_NLV_LA_EXTERIORES_2026, Required documents; verified 2026-06-08):
| # | Document |
|---|---|
| 1 | National visa application, completed and signed by each applicant |
| 2 | EX01 form (autorización de residencia temporal no lucrativa) |
| 3 | Passport-size photograph and valid passport |
| 7 | Proof of financial means: 400% of IPREM, plus the full IPREM amount per family member |
| 8 | Health insurance from an insurer authorized in Spain (see below) |
| 9 | Medical certificate (no disease with serious public-health repercussions, 2005 IHR) |
| 10 | Criminal record certificate (FBI for US applicants), not older than 6 months |
The insurance item (and why travel insurance fails)
Item 8 requires public or private health insurance contracted with an insurance entity authorized to operate in Spain, valid for 1 year, covering the risks insured by Spain’s public health system, with no deductible, no co-payment and no waiting period, and full coverage of medical, hospital and out-of-hospital expenses. The checklist is explicit that travel insurances with medical assistance coverage will not be accepted (Source: ES_NLV_LA_EXTERIORES_2026, item 8; verified 2026-06-08).
For the full evidence and which products meet it, see Spain NLV insurance requirements and why travel policies get rejected.
How we evaluate
VisaFact compares each authority requirement against insurance product evidence in the rule engine. A product is GREEN only when its documented terms satisfy every modeled requirement; a conflict (a deductible, a co-payment, a waiting period, or a travel-only policy) produces RED; and missing evidence produces UNKNOWN rather than a guess. See /methodology/ for the full logic and the UNKNOWN > Wrong principle.
Common rejection traps
- Submitting a travel insurance policy: the consulate states these are not accepted for this route.
- A health policy that is not from an insurer authorized in Spain.
- A policy with a deductible, a co-payment, or a waiting period.
- Financial means below 400% of IPREM, or missing the medical certificate.
Check in the engine
Confirm in the compliance checker whether a specific policy meets the Spain NLV rule for the current snapshot:
Open Compliance CheckerWhere the insurance requirement fits
For the Spain NLV, the products that show GREEN are health policies from an insurer authorized in Spain. In the current snapshot these include ASISA (an official, non-affiliate link) and Feather, a health policy registered in Spain (DGSFP).
- Feather Expat Health Insurance (Spain) — registered in Spain (DGSFP), with unlimited cover and no co-payments, deductibles or waiting periods. Paid link; we may earn a commission if you purchase through it.
Related reading
- Spain NLV requirements (route page)
- Spain NLV insurance requirements
- Spain Digital Nomad Visa: application process
- “No co-payment, no deductible”: what Spain’s insurance rule means
- Visa insurance requirements by country
Disclaimer + Affiliate disclosure
Not legal advice. This is a guide based on the official consular checklist; the Consulate may request additional documents and the checklist can change. Always follow the current consular instructions.
Affiliate disclosure: the Feather link above is a paid affiliate link; we may earn a commission at no extra cost to you, and it does not change the evidence-based compliance result. See affiliate disclosure.
Evidence log
- Source:
ES_NLV_LA_EXTERIORES_2026(Consulate General of Spain in Los Angeles, Non-Lucrative residence visa), verified 2026-06-08.