Insurance for Spain's self-employed visa

On the effective date of your RETA registration. There's no waiting period and no minimum contribution history. Register on the first of the month and you're entitled from the first of the month.

Usually three to eight weeks from landing to a usable provisional health card. The bottleneck is normally the empadronamiento appointment at your town hall, which varies enormously by city. Allow three to four months if you're heading somewhere with a known backlog.

No. The renewal checklist asks that you've kept up your tax and Social Security obligations, not that you hold private insurance. Good news on the renewal itself, too: it now runs for four years and lifts the first-year restrictions on region and sector.

Yes, if it's useful to you. Some people keep private coverage for shorter specialist waits, access to private clinics, and English-speaking care. It also travels with you across the EU, which a regional Spanish health card doesn't. Cancel monthly whenever you like.

The decision comes before you move, so a refusal lands before your policy start date. Cancel in one click from your Feather account and you'll be fully refunded automatically.

No. You can sign up before you arrive, with no NIE, empadronamiento, or Spanish bank account.

Pre-existing conditions are not covered. Anything that existed before your policy start date won't be reimbursed. This is standard for expat health insurance and has no effect on your visa. If you have a significant condition, talk to our team before signing up.

Each person needs their own policy, but you can manage them all from one Feather account by using the same email address at signup.