Have ready: each applicant's age or date of birth; your nationality and country of residence; your consulate or visa centre; your intended start date and move date; whether it's a first application or renewal; how you'll pay; and anything medical worth flagging. A proper NLV quote matches the applicant, the visa timeline and the medical picture — not just a headline price — so the more complete your details, the more accurate and useful the quote. A complete first message is also usually the fastest route to a good quote.
There's a difference between a number and a quote. A number ignores who you are and what you need; a real NLV quote is shaped by your age, your timeline, your consulate and your health picture — because all of those affect what cover is suitable and available. This page is the short list of what to send so the quote you get is the real thing.
Got your details ready? Request a quote now — the more complete your message, the better the answer.
The information that makes a quote accurate
- Each applicant's age or date of birth — affects price and, at older ages, availability
- Nationality and country of residence — helps shape the practical quote, payment and documentation picture
- Consulate or visa centre — can affect document expectations
- Intended start date and move date — determines when cover begins and how it lines up
- First application or renewal — a renewal is about continuous cover, not a fresh start
- How you'll pay — card or transfer, which matters for timing
- Any medical points — conditions, medication or history, for each applicant
- Everyone in the household — each person is assessed and priced individually
None of this is onerous — most of it you already know. The point is to send it together, so the quote reflects your actual application rather than a generic profile.
Why each piece changes the quote
Age drives pricing and, past a point, which products are even available and how underwriting runs — a quote on the wrong age isn't your quote, as the age limits guide explains. Dates and consulate tie the quote to the visa rather than to a person in the abstract: the start date sets when cover begins and how it aligns with your appointment and move, and the consulate can shape document expectations. First application versus renewal changes the frame entirely — a renewal is about continuous cover, not starting fresh.
Payment method affects timing, since card confirms faster than a transfer — relevant when an appointment is close, per paying from abroad. And medical points may be the single most useful thing to flag: raised at the quote stage, they let the application start at the insurer most likely to assess them well, as the medical questionnaire guide describes. A quote given without them can shift once underwriting sees the picture — so mentioning them upfront makes the quote more reliable, not less.
Flag medical points early — it helps the quote
Applicants sometimes hold medical details back at the quote stage, worried they'll spoil the number. It's the reverse: a quote that doesn't know about a condition is a quote that may change the moment underwriting does. Flagging conditions, medication or history upfront lets us route the application to the insurer best placed to assess it, so the quote you get is one that can actually stand. Declaring is not the same as being declined — many applicants with medical histories arrange suitable cover, as the pre-existing conditions guide sets out.
For couples and families, that means each person's medical points, not just the main applicant's, because each is assessed individually — see main applicant and dependants. Gather everyone's basics before you enquire, and the household is quoted properly in one pass rather than unravelled by a follow-up later.
Don't have everything yet? Quote anyway
You don't need a perfect, complete picture to start — you need an honest one. If your appointment isn't booked, or your move date is still soft, say so and provide what you have. An initial quote can be given on the basics and refined as details firm up; what matters is that the provisional parts are flagged as provisional, so nothing's presented as final when it isn't. A quote framed accurately around known and unknown is more useful than a precise-looking number built on a guess.
This is also the fastest path in practice. A complete first message — everything known, unknowns noted — avoids the back-and-forth that actually slows quotes down, so a thorough enquiry usually gets you a better answer sooner, as the fast quote guide explains. And once you have the quote, comparing it well is its own skill — covered in how to compare quotes.
Example scenarios
The complete first message
An applicant sends ages, dates, consulate, payment method and a flagged condition in one go. The quote comes back accurate and suitable, no follow-up needed.
The whole household
A family provides every member's details and medical basics. The quote covers everyone at once, priced individually, rather than just the main applicant.
The provisional quote
With the appointment not yet booked, an applicant quotes on the basics and flags the date as to-confirm. The quote is framed honestly and refined later.
The early medical flag
A managed condition mentioned at the quote stage routes the application to the right insurer, so the quote holds through underwriting instead of shifting.
Have it ready? Get a quote that fits
Send us every applicant's age, your nationality and consulate, intended dates, first application or renewal, payment method and any medical points — and we'll quote NLV-suitable Spanish cover matched to your actual application, with the certificate and proof of payment prepared for your appointment. Final visa decisions rest with the Spanish authorities.
Quote information — FAQs
What information do I need for an NLV health insurance quote?
The essentials: each applicant's age or date of birth; your nationality and country of residence; your consulate or visa centre; your intended start date and move date; whether it's a first application or a renewal; how you'll pay; and anything medical worth flagging — conditions, medication or history. A proper NLV quote is not just a price; it matches the applicant, the visa timeline and the medical picture, so the more complete your details, the more accurate and useful the quote.
Why does the quote need my age or date of birth?
Age affects both pricing and, at older ages, which products are available and how underwriting is handled. A quote based on the wrong age isn't a real quote for you. Give each applicant's age or date of birth accurately — for couples and families, everyone's — so the quote reflects the cover actually available to your household. See age limits.
Why do you ask for the consulate or start date?
Because an NLV quote is tied to the visa, not just to a person. The consulate can affect document expectations, and the start date determines when cover begins and how it lines up with your appointment and move. A quote that ignores the timeline may price a policy that doesn't actually fit your application. Sharing these makes the quote match your real situation. See the start date guide.
Should I mention medical conditions when requesting a quote?
Yes — flag any conditions, medication or history at the quote stage. Declaring is not the same as being declined, and raising it early lets the application go to the insurer most likely to assess it well, before any questionnaire. A quote given without the medical picture can change once underwriting sees it, so mentioning it upfront makes the quote more reliable, not less. See pre-existing conditions.
Do I need the same information for a couple or family?
You need it for everyone. Each applicant's age, and any medical points for each person, because each is assessed and priced individually, and the household is only quoted properly when every member is included. Send everyone's details in one message so the quote covers the whole application rather than just the main applicant. See main applicant and dependants.
What if I don't have all the details yet?
You can still request a quote — provide what you have and note what's still to confirm, such as an appointment date not yet booked. An initial quote can be given on the basics and refined as details firm up. What helps most is being upfront about what's known and what's provisional, so the quote is framed accurately rather than presented as final when it isn't.
Will giving more information make the quote slower?
The opposite, usually. A complete first message avoids the back-and-forth of missing details, so a thorough enquiry is often the fastest route to an accurate quote. Incomplete details are what slow quotes down, because each gap needs a follow-up. Give everything in one go and you generally get a better quote, faster. See how fast a quote is.
What's the quickest way to get an accurate quote?
Send a single complete message: every applicant's age or date of birth, nationality and residence, consulate, intended start and move dates, first application or renewal, payment method, and any medical points. That gives us everything to quote suitable cover accurately first time. Request a quote with those details and we'll match cover to your application, not just quote a headline price. Start here.
More questions? See the full FAQ hub.