We help international clients understand Spanish private healthcare and arrange the right Sanitas health insurance for their visa, residency or everyday healthcare in Spain. The Sanitas plans we offer include Blua video consultations, with English-speaking support and can be purchased without an NIE using your international credit card.
Select your situation and we'll point you to the right Sanitas plan.
For Non-Lucrative and Digital Nomad Visa applications, we recommend the Visado (visa) versions of the Sanitas Residents plans. Both Visado versions are no-copay plans with repatriation cover. The Visado versions start from day one with no waiting periods, matching what consulates usually ask for on these visas; the standard versions, for residents not applying for a visa, follow the waiting periods in the policy terms.
No copay on any service · Visado version: repatriation included, cover from day one, no waiting periods
The flagship visa plan — worldwide reimbursement, dental and pharmacy cover included. Designed to meet current Spanish visa and residency health-insurance requirements.
| At a glance | Sanitas Residents | Sanitas Residents Platinum |
|---|---|---|
| Suitable for NLV & DNV applications | ✓ | ✓ |
| Student visa applications1 | May be suitable | May be suitable |
| No copayments | ✓ | ✓ |
| Visa version — cover from day one with no waiting periods | ✓ | ✓ |
| Repatriation benefit included2 | ✓ | ✓ |
| Dental | Sanitas Dental 21 — 40+ included services | Dental reimbursement — 80% up to €400 per insured/year, in Spain |
| Emergency healthcare abroad3 | Up to €12,000 per insured/year | Up to €30,000 per insured/year |
| Freedom to use non-network doctors4 | Spain: standard Sanitas network | 90% reimbursement worldwide, up to €500,000/year, subject to sub-limits |
| Pharmacy | — | 50% reimbursement of eligible prescribed medicines, up to €300 per insured/year |
| Optional reimbursement upgrade5 | Available separately, up to €300,000 | Included in the policy |
| Maximum joining age under the current product documents6 | 75 | 64 |
Visa applicants: we arrange the visa version of this policy (cover from day one with no waiting periods), subject to eligibility. Important: the visa version is available only to eligible non-EU citizens applying with a non-EU passport. Standard resident versions have different eligibility criteria and policy terms.
| Non-emergency treatment and reimbursement in the USA | Not included under the standard network policy | Included through the reimbursement benefit, subject to policy limits and authorisation rules |
| Services at home (tests, medicine delivery, physiotherapy) | Not included as standard | Included |
1. Student visas. Sanitas International Students is normally the dedicated student product. Sanitas Residents or Sanitas Residents Platinum may be considered where the student policy is not suitable, subject to current eligibility rules.
2. Repatriation. A repatriation benefit is included in Sanitas Residents Visado and in both versions of Sanitas Residents Platinum. Companion-ticket terms and the circumstances in which repatriation applies are set out in the policy documentation — we will confirm the exact wording that will appear on your certificate before you apply.
3. Emergency healthcare abroad. This covers emergencies that arise while you are temporarily outside Spain, worldwide. It applies to care needed within 90 consecutive days from the start of a trip. Except in a life-threatening emergency, Sanitas must be contacted for prior authorisation before treatment is provided. It is not a substitute for travel insurance and it is not planned treatment abroad.
4. Freedom to use non-network doctors (reimbursement). This is a different benefit from emergency cover abroad. Sanitas Residents provides cover in Spain through the Sanitas network (cuadro médico (medical directory)). Residents Platinum is a mixed product: you may also use any doctor or clinic you choose, in Spain or anywhere in the world, pay them directly and claim the cost back — 90% of eligible costs up to €500,000 per insured per year, with sub-limits set out in the policy, including the pharmacy and dental limits shown above.
5. Optional reimbursement upgrade (Residents). Reimbursement is not part of the standard Sanitas Residents policy. It is a separate supplement that must be specifically contracted, it changes the premium, and its limits and conditions are set out separately. Ask us to quote it if you want that flexibility.
6. Dental structure. Both plans include dental cover through the Sanitas dental network, drawn from the same Insured Dental Benefits list — some services at no charge, others with a set excess. Residents calls this Sanitas Dental 21. Platinum includes that network cover and adds a reimbursement layer on top for dentists outside the network, or services carrying an excess inside it.
Joining age. Product eligibility and joining ages should be reconfirmed when applying.
Source: Current Sanitas Residents and Residents Platinum product sheets, IPIDs and general conditions reviewed August 2026. Benefits remain subject to the full policy terms, underwriting, authorisation requirements and the version contracted.
— indicates not included as standard. Add-ons may be available depending on the plan — ask us and we will confirm exactly what is included before you apply.
For Non-Lucrative and Digital Nomad Visa applications, consulates usually ask for health insurance with repatriation coverage, no copayments and no waiting periods, so that cover is active from the policy start date. Requirements can vary by consulate. The Visado versions of both Residents plans above are built for these applications, with repatriation confirmed on the certificate; the standard versions follow the waiting periods in the policy terms. Your certificate is normally issued the same working day after acceptance and payment. Learn more about visa certificates →
Choose a category to explore plans — each tailored to different needs and budgets.
Not sure which category fits? Visa applicants usually start with Visa Plans. If you already live in Spain, the real decision is normally between No Copay and With Copay. How copayment works →
Whether you are moving from Europe, North America, South America, the Middle East, Asia, Africa or Oceania, we help international clients arrange Sanitas health insurance for Spain.
We support international clients relocating to Spain from countries around the world. If your country is not shown, we can still help.
Working directly with Sanitas, we help international clients arrange the right health insurance before they move to Spain.
Wherever you are moving from, we arrange your policy with the same insurer.
As Sanitas International Experts, we arrange health insurance with Sanitas — one of Spain’s largest private health insurers and part of the Bupa Group.
Blua is included with the Sanitas health-insurance plans we offer, subject to the terms and services of the selected policy. Healthcare providers, hospitals and digital services depend on your chosen plan and your location in Spain — we’ll always explain exactly what is included before you take out a policy.
As an Official Exclusive Sanitas Agent, we help international clients understand their options and get the right plan — without the confusion.
We are an Official Exclusive Sanitas Agent and Sanitas International Experts, helping international clients choose and arrange their cover directly with Sanitas.
For NLV and DNV applications we recommend the Visado versions of Sanitas Residents: no copayments, no waiting periods and repatriation cover, all set out on your certificate.
Don’t let anything get lost in translation. Our native English-speaking team guides you through your quote, application and insurance documents, and continues to help once your cover starts.
Apply before you arrive in Spain. Pay with your international credit card. Your certificate is normally issued the same working day after acceptance and payment. No NIE or Spanish bank account needed.
Your certificate is normally issued the same working day after acceptance and payment.
We continue to help after your policy starts. Whether you need to make changes, renew your cover or have a question, our English-speaking team is here for you.
Tell us your age, province, and situation. We'll confirm which Sanitas plans are right for you and provide your exact price.
Complete the application online. Pay with your international credit or debit card — no NIE or Spanish bank account needed.
Your certificate is normally issued the same working day after acceptance and payment.
Six pathways through everything we have written, from how Spanish healthcare works to using your cover once it starts.
The whole subject in one place — how Spain’s public system works, when private cover is genuinely required, what policies include and exclude, what it costs, and how the process runs from first quote to visa certificate.
How the system actually works, what the public service covers, and where private cover fits alongside it.
What each route genuinely requires, and the certificate that proves your cover to a consulate.
What cover costs in Spain, and the handful of choices that actually move the price.
An honest account of how your health history is assessed, and what to expect from the process.
The guide written for your circumstances rather than the average applicant.
What happens after the policy starts, from booking a first appointment to an emergency.
Every guide we have written, organised by topic.
Browse the full Knowledge CentreSpeak to a native English-speaking Sanitas International Expert. Call us, message on WhatsApp, or request a callback at a time that suits you.
Real feedback from expats we've helped get Sanitas health insurance for their visa applications and daily life in Spain.
Everything expats ask about getting Sanitas health insurance in Spain.
Tell us your age, province, and situation. We'll confirm the right plan and your exact monthly price — in English, with no obligation.
Tell us your age, province, situation and any specific needs.
Our English-speaking team reviews your options and confirms the right plan.
Confirmed quote with your exact monthly cost. Your certificate is normally issued the same working day after acceptance and payment.
You can manage your policy in the Mi Sanitas app.
