Do You Really Need Private Health Insurance to Live in Spain? Most people moving to Spain without an EU passport will need private health insurance, but not everyone does. It depends on your visa and whether you qualify for public care. The non-lucrative visa always requires full private cover paid upfront, and digital nomads usually need it too, though once you’re paying into the system you can access public healthcare. UK or EU pensioners may qualify through the S1 form, and dependents might b