Insurance is a legal document when the visa says it is.

Ask what the authority requires

For non-lucrative residence, the official requirement is public or private sickness insurance with an insurer authorised to operate in Spain. Consular checklists commonly scrutinise whether the policy is comprehensive, valid from the required date, and free of exclusions, copayments or waiting periods. The exact checklist belongs to the responsible consulate.

For a digital nomad, employed and autónomo applicants can have different social-security evidence and healthcare routes. Do not copy an NLV insurance policy into a DNV file without checking the route.

Read the certificate, not the advert

• Named insured person and passport details.
• Territory and effective dates covering the application/entry period.
• Hospital, specialist and emergency coverage.
• Copayment, waiting-period and exclusion wording.
• Renewal terms and whether the insurer is authorised in Spain.

Public healthcare is a separate registration

Residence status does not automatically put every newcomer on a regional health register. Establish entitlement through work/social security, an S1 or the route that applies, then request the regional health card and assigned centre. EHIC is for necessary care during a temporary stay, not a universal relocation substitute.