No copayments. Day 1 cover. Built for Spanish visa and residency applications. Designed specifically for foreign nationals moving to — or already living in — Spain.
⚠️ The visa certificate is issued once payment has been made and the policy has been confirmed by Sanitas.
Trusted by international residents
Sanitas Residents is a no-copay Spanish private health insurance plan built for people moving to Spain from outside the EU. It gives you full access to the Sanitas medical network in Spain, emergency cover while you are abroad, Sanitas Dental 21 included, and the insurance certificate that visa and residency applications require.
The important point is that it’s a Spanish policy. It is a policy issued in Spain, structured the way Spanish residency applications expect — comprehensive, with no copayment charged per consultation. That is what separates it from travel insurance, from international expat policies, and from the general plans Sanitas sells to people who already live here.
This causes more confusion than anything else on this product, so it is worth being blunt about it.
Sanitas Residents is configured differently depending on why you are buying it. The version arranged for a visa or residency application is set up to meet what those applications expect — particularly around copayments, waiting periods and the wording that appears on the certificate. A Residents policy taken out by someone already living in Spain, with no application to satisfy, is not automatically identical.
This is the part most product pages skip. Residents is the right answer for a lot of people and the wrong answer for some, and knowing which you are saves a great deal of time.
If most of the right-hand column describes you, the page you want is Sanitas Residents Platinum or, for EU and student routes, the plan built for that route.
A reference table rather than a marketing list. Every line is subject to the policy terms in force when you apply.
| Benefit | Sanitas Residents |
|---|---|
| Copayments | No copayment — consultations and services are included in the premium |
| Medical network | Full access to the Sanitas network in Spain — 58,000+ doctors and 4,500+ hospitals, clinics and centres |
| GP and specialists | Included. Specialists are often booked directly through the insurer rather than by GP referral |
| Diagnostics | Included, subject to authorisation rules for some tests |
| Hospitalisation and surgery | Included within the Sanitas network |
| Emergency care in Spain | Included |
| Emergency care abroad | Up to €12,000 per insured per year worldwide, with a limit on consecutive days away |
| Planned treatment abroad | Not included — this is what Residents Platinum adds |
| Dental | Sanitas Dental 21 included, covering a defined list of services through the dental network |
| Pharmacy | Not included |
| Digital services | Mi Sanitas app, video consultations and digital prescriptions |
| Visa certificate | Issued once the policy is accepted and paid for |
Benefits, limits, waiting periods, age rules and acceptance are subject to the current Sanitas policy terms and to underwriting. We confirm exactly what applies to your case before you commit.
Want this checked against your own situation?
Send us your age, route and rough moving date. We will confirm what applies to you and what it would cost.
Check My Cover →Complete private healthcare across the Sanitas cuadro médico — 58,000+ healthcare professionals at 4,500+ owned and partner centres across Spain.
45+ dental treatments included at no charge. Access 200+ Sanitas Milenium dental clinics across Spain.
Comprehensive emergency medical cover for travel outside Spain — for stays up to 90 days, up to €12,000 per person per year.
Repatriation is a mandatory requirement for NLV and DNV visa applications. It covers the transport of your remains to your country of origin in the event of death. Consulates check for it explicitly on the policy certificate — policies without a clear repatriation statement are regularly rejected. Sanitas Residents explicitly confirms repatriation on your certificate with no ambiguity.
Residents includes several benefits that other plans charge for. Optional add-ons let you customise your policy further.
Full add-ons list available on request. Ask us when you get your quote →
As of January 2026, Spanish consulates require private health insurance for the following visa types. The Sanitas Residents Plan is configured for these requirements.
The most common residency visa for retirees and people of independent means relocating to Spain. Requires a no-copay plan with hospitalisation, repatriation and no waiting periods.
Spain's visa for remote workers employed by foreign companies. Same health insurance requirements as the NLV — no copay, hospitalisation, repatriation, no waiting periods.
International students studying in Spain. Sanitas Residents is accepted for student visa applications in addition to the dedicated International Students plan.
Family Reunification, Work visa for self-employed and entrepreneurs, Academic and Research mobility, Job-seeker visa (in many cases), EU Residency Certificate (CUE–EX18).
The short version of a decision covered in full on the dedicated comparison page.
| Sanitas Residents | Residents Platinum | |
|---|---|---|
| Best for | Living mainly in Spain, lower-cost visa-suitable cover | Splitting time between countries, or wanting cover beyond Spain |
| Emergency cover abroad | Up to €12,000 per insured per year | Up to €30,000 per insured per year |
| Planned treatment abroad | Not included | 90% of eligible costs up to €500,000 per insured per year |
| Dental | Sanitas Dental 21 included | Reimbursement — 80% up to €400 per insured per year in Spain |
| Pharmacy | Not included | 50% up to €300 per insured per year |
| Maximum contracting age | Higher — more open to older applicants | Lower — must be checked before applying |
The one-line rule: mainly living in Spain and want the lower-cost visa option → Residents. Want worldwide reimbursement, stronger overseas cover, pharmacy and dental reimbursement → Platinum.
Benefits, limits, waiting periods, age rules and acceptance are subject to the current Sanitas policy terms and to underwriting. We confirm exactly what applies to your case before you commit.
Still not sure?
Filter plans by your situation or needs — use the buttons below to find the right match.
Prices shown are "from" prices. Your exact premium depends on your age and province.
Not sure which plan suits you? Get a free comparison quote →
The questions that come up once someone has decided the product is right.
Ready to check whether Residents fits?
Tell us your route, age and rough moving date. We will confirm whether Residents or Platinum is the right starting point, and what it would cost.
Get My Residents Quote →
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is one of Spain's leading private health insurers, with a network of more than 58,000 healthcare professionals and 4,500+ medical centres. With over 58,000 healthcare professionals across 4,500+ clinics and five owned hospitals, and backed by Bupa's global reach, Sanitas combines local expertise with world-class standards of care.
Blua is the Sanitas digital service — what most people are looking for when they search for an online GP, a video doctor, an English-speaking doctor or telemedicine in Spain. Video consultations, digital prescriptions and chat with a doctor, through the Mi Sanitas app.
The Mi Sanitas app is available in English, German, French and Spanish. As a Sanitas Residents customer you can filter every doctor in the 58,000-strong cuadro médico by the language they speak — find an English-speaking specialist, book presential, phone or video, and manage everything in-app. No Spanish required.
Filter the entire Sanitas network by the language a doctor speaks. English, German, French, Italian and more — find your specialist, book instantly.
Immediate emergency video consultation for general medicine and paediatrics — anywhere in Spain, any hour, day or night. No waiting room.
3,600+ professionals available by video across 36 medical specialities. Digital appointments available in 10 specialities.
Check heart rate, respiratory rate, stress and more using your phone camera — no extra device needed. Powered by Blua Health AI.
Video-consultation-based programmes included from day one: nutrition, personal trainer, pregnancy, paediatrics (0–4), psychology, pelvic floor, stop smoking and physiotherapy.
Digital insurance card, prescriptions, test results, medical history, appointments, reimbursement requests — fully in English in Mi Sanitas.
Residents is one route into Spanish private healthcare. For the wider context — how the public system works, who can use it and where private cover fits — see which route applies to you in our complete guide.
Why Sanitas
Sanitas is one of Spain’s largest private insurers and has been part of the Bupa group since 1989. For people arriving from abroad, the practical draw is usually the size of the medical network and how much of it works in English.
Network access, benefits and available services depend on the plan you hold and where you live.
The process
Most people arrive here unsure whether they are ready to buy anything. You do not have to be — the first two steps cost nothing and commit you to nothing.
Very fast and responsive to my requirements. Neil was an excellent communicator who guided me through the process with ease.
Alan B. · Verified Google review
No. There is no additional fee for using our service — our remuneration is paid by Sanitas. We will confirm the exact premium for your circumstances when we prepare your quote.
We help you choose the right plan, explain the differences, assist with the application, help with visa certificates where applicable, and remain your point of contact after your policy starts.
Yes. We are an Official Exclusive Sanitas Agent and work directly with Sanitas.
Yes. We are native English-speaking advisers and handle everything in English, from your first enquiry through to your policy and its renewal.
Yes. Once your policy is active you can use all normal Sanitas services, including the Mi Sanitas app, customer service and your local medical network. We are also here if you need assistance.
Sanitas sets the premiums. We do not create special pricing, but we can help make sure you are applying for the most suitable plan for your circumstances.
Why request a quote from us?
Tell us your age, province and visa situation and we'll confirm your exact price and issue your certificate once your policy has been accepted and payment confirmed.
Everything expats ask us about this plan.
Whether you are applying for a Non-Lucrative Visa, moving to Spain permanently, retiring, studying or working remotely, we will help you compare the right Sanitas options in English.