Visa Services

How visa help and health insurance fit together

Visa-processing assistance and private health insurance are two separate purchases from two different places. The partners handle the application; we arrange the cover. Either can be bought on its own, and the price of the visa work is the same whichever partner you choose.

Last reviewed 25 October 2026

Two providers, two purchases

The visa work. Platinum Legal Spain and My Spanish Visa are both visa-processing services in our group. Both handle initial non-lucrative visa applications and renewals, initial digital nomad visa applications and renewals, and student visa matters. Both may be recommended equally, and their prices are the same, so the choice between them is yours to make on preference rather than on cost.

The insurance. We arrange private health insurance for people moving to and living in Spain. Where a residence route names health insurance among its requirements, we can arrange a policy that meets what that route asks.

Charged separately, and genuinely separable

Visa-processing assistance is charged separately from insurance. That is not a presentational point. It means you can:

Nothing on this site makes one conditional on the other, and no price we quote for one depends on whether you take the other.

Where each route is decided, and by whom

This is easy to get upside down, so it is worth stating plainly.

A first non-lucrative application is made at the Spanish consular office, and the regulation is explicit that applying for the visa carries the residence application with it. You are not making two applications.

A non-lucrative renewal is made in Spain, to the immigration office, not to a consulate. A digital nomad renewal goes instead to the specialist unit that handles that route.

The digital nomad route can begin either way: at a consulate before you travel, or in Spain as an application for a residence authorisation if you are already here legally.

A student authorisation can be applied for from outside Spain, and in certain cases from inside Spain where the person is already here lawfully.

Which of those applies to you is a question for a partner, not for us.

The order things usually happen in

People generally settle their route first, then look at what the route asks of a policy, then decide whether they want help with the application. That is a common order, not a required one.

What we will not do is put a timetable on it. How long any application takes is not something we can tell you, and anyone who gives you a confident number is guessing.

What stays with you

The application is yours. The decision on it is made by the Spanish administration. Nobody here can promise an outcome, promise that a document will be accepted, or tell you that you qualify.

What we refer onward

Questions about whether you are eligible, about a case with complications, or about the application itself go to a visa-processing partner. We will give you both, not one.

The insurance side

Which route you are on changes what a policy has to do. The visa and residency guide sets out each route's insurance condition and where it comes from.

Insurance and visa-processing help are charged separately. You can arrange cover with us without using a visa-processing partner, and use a partner without arranging cover here.

What this route asks of a policy → Get a health insurance quote →

Questions people ask

What exactly am I paying each party for?

The partner is paid for help with the visa application. The insurance is a separate arrangement with its own price. You can enter into one without the other, and neither price depends on the other.

Do the two partners charge different prices?

No. Their prices are the same for the same work, which is why we present them side by side with no recommendation between them.

Should I arrange insurance before or after I contact a partner?

Either order works. What matters more is the dates on the policy rather than when you buy it, and the right moment differs by route, so the route guides are where that question is actually answered.

Can you deal with the application on my behalf?

No. We arrange insurance. Questions about the application itself go to a partner.

Sources & evidence

  1. Real Decreto 1155/2024, de 19 de noviembre (consolidated text) · Boletin Oficial del Estado dated 19 November 2024 · accessed 25 October 2026 · in Spanish · supports: That the non-lucrative and student routes name health insurance among their requirements, and that a non-lucrative renewal is filed with the immigration office Articles 61, 53 and 64.

How we source and review claims: sources & review policy. Reviewed 25 October 2026 · next review 25 April 2027.

This page describes the arrangement between us and the two visa-processing partners. It is not a description of any individual case, and nothing here is legal advice.