How do I get my visa certificate?

Your certificate is issued automatically the moment your policy is confirmed. It is sent to your email and available in the Mi Sanitas app. The certificate explicitly confirms: no copayments, hospitalisation cover, repatriation and validity dates — the four points Spanish consulates check.

Is the Mi Sanitas app available in English?

Yes. The Mi Sanitas app is fully available in English, German, French and Spanish. You can filter the doctor network by language, book appointments, access 24/7 video consultations, manage your digital insurance card and submit reimbursement requests — all in English.

What does the €12,000 emergency abroad cover include?

The emergency assistance abroad benefit covers medical and hospital expenses, prescribed medications, dental emergencies (up to €300), medical transfers, companion hotel accommodation (up to €60/day for 10 days), family member travel, repatriation of remains, legal assistance up to €1,500 and a bail bond up to €10,000. The limit is €12,000 per insured person per year for stays abroad of up to 90 days.

Does the plan cover the whole family?

Yes. Children aged 0–2 must have at least one other insured adult over 2 on the policy. Children aged 3–18 can be insured individually. There is no maximum age for permanent stay (up to age 75 at entry). A 10% family discount applies when 4 or more people are insured on the same policy.

✓ Visa-Compliant No Copay Day 1 Cover

Sanitas Residents

The Expat Health
Insurance Built
for Spain

Q: Does Sanitas Residents have waiting periods — or is that only the visa version?

If you are taking the Sanitas Residents Plan to obtain or renew a Spanish residency or student visa (NLV, DNV, Student Visa etc.), there are no waiting periods — full cover begins from day one. If you are already living in Spain and do not need a visa, the plan is also available with standard waiting periods.

Q: What happens with waiting periods if I switch from another insurer?

If you have been continuously insured with a Spanish private health insurer (or any Bupa Group company) for more than 12 months, any standard waiting periods that would otherwise apply can be waived on presentation of your previous policy conditions and last payment receipt (maternity/childbirth may be treated as an exception). The Residents visa option already has no waiting periods, according to the official Sanitas visa-plan wording. If you are taking this plan for a visa, there are no waiting periods regardless of your insurance history.

No copayments. Day 1 cover. Built for Spanish visa and residency applications. Designed specifically for foreign nationals moving to — or already living in — Spain.

NLV & DNV visa compliant

No NIE required

English app with doctor language filter

Pay by international credit card

Non-EU / non-EEA / non-Swiss nationals

Get a Free Quote → View Full Coverage

Sanitas Residents Visa ✓

Plans from

€ 67.76 /month

From price — your exact premium depends on age & province. Get your exact quote →

Copayments✓ None

Waiting periods✓ None — day 1 cover

Visa compliant✓ Yes — NLV, DNV & more

Repatriation✓ Confirmed in certificate

Dental✓ Dental 21 — services included

Emergency abroad✓ €12,000/year (90 days)

NIE required✓ No — passport only

Get My Residents Quote →

⚠️ The visa certificate is issued once payment has been made and the policy has been confirmed by Sanitas.

Trusted by international residents

Official Exclusive Sanitas AgentWe work directly with Sanitas

Native English-speaking advisersA small team, not a call centre

Visa & residency specialistsNLV, DNV, student and resident routes

Sanitas established 1954Part of the Bupa group since 1989

No-obligation quotesPersonalised, with no pressure to proceed

Certificate supportThe document your application actually needs

What Is Sanitas 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.

Sanitas Residents provides comprehensive private healthcare through the Sanitas medical network in Spain. The eligible Visado version has no copayments and no waiting periods, making it suitable for many Spanish visa and residency applications. Non-Visado versions are also available for general private healthcare and EU-residency situations, with different policy terms and waiting periods.

Who it is issued for. Non-EU nationals applying for or holding Spanish residency, plus anyone living mainly in Spain who wants no-copay cover from a Spanish insurer.
What it is not. It is not worldwide private medical insurance. Cover outside Spain is emergency cover, not planned treatment. If you need planned treatment abroad, that is Residents Platinum.
What it comes with. Sanitas Dental 21, access to the full Sanitas network, and the certificate your application needs — issued once the policy is accepted and paid for.

Is Sanitas Residents Right for You?

Sanitas Residents is designed for people who expect to use private healthcare mainly in Spain. It provides comprehensive cover through the Sanitas medical network, without adding the broader reimbursement benefits included with Residents Platinum.

Residents could be a good fit if you:

Are applying for the Non-Lucrative Visa
Are applying for the Digital Nomad Visa and need private insurance as your healthcare evidence
Follow another residency route that requires private health insurance
Expect to spend most of your time in Spain
Are happy to use doctors, specialists and hospitals from the Sanitas medical network
Want the more economical of the two Residents options
Prefer included Dental 21 network services rather than dental reimbursement

You may prefer Residents Platinum if you:

Want the option to use doctors or hospitals outside the Sanitas network
Regularly divide your time between Spain and other countries
Want worldwide reimbursement for eligible medical costs, subject to the policy terms
Want the separate USA Cover benefit
Want higher emergency healthcare limits while travelling abroad
Want pharmacy and dental reimbursement included

Other circumstances

If you are an EU, EEA or Swiss citizen registering as a resident in Spain, we can compare Más Salud with the non-Visado versions of Residents and Residents Platinum. The right option depends on the healthcare evidence you need, your preferred level of cover and the terms of each policy.

For a student visa, Sanitas International Students is normally the first product to consider. In some circumstances another Sanitas plan may be more appropriate, so we check the applicant’s age, course and route before recommending cover.

Compare Residents and Residents Platinum →Ask us which plan fits your situation →

What’s Included in Sanitas Residents

What the plan includes. Each benefit is subject to the policy terms that apply when you take out cover.

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 →

What’s Covered in More Detail

Complete private healthcare across the Sanitas cuadro médico (medical directory) — 58,000+ healthcare professionals at 4,500+ owned and partner centres across Spain.

✓

No waiting periods — cover that is active from the policy start date. If you are using this plan to obtain or renew a Spanish residency visa (NLV, DNV, Student Visa or similar), the Sanitas Residents Plan has no waiting periods. Hospitalisation, surgery, specialists, diagnostics — everything is covered from the moment your policy is confirmed. This is explicitly stated on your visa certificate.

🏥 Primary Care & Emergencies

−

✓ Family medicine & GP consultations
✓ Paediatrics and childcare (up to age 15)
✓ Nursing care
✓ Emergency care at permanent emergency centres — 24/7
✓ Home medical visits & home emergency care
✓ Sanitas 24 Horas — 24/7 telephone medical advice line

👨‍⚕️ Medical Specialists — Unlimited, No Referral Needed

✓ Unlimited consultations across virtually all specialities
✓ No GP referral required — book directly with any specialist
✓ Gynaecology, cardiology, dermatology, neurology, traumatology, ophthalmology, oncology and more
✓ Psychology: 15 sessions per insured person per year
✓ Podiatry: 12 sessions per insured person per year
✓ Speech & language therapy: 80 sessions per insured person per year
✓ Filter by doctor language in Mi Sanitas app — find English-speaking specialists instantly

🏨 Hospitalisation & Surgery

✓ Inpatient & day-patient hospitalisation — no limit on days
✓ All surgical procedures — ambulatory and requiring hospital admission
✓ Anaesthesia, ICU and post-operative care
✓ Maternity and childbirth included
✓ Ambulance cover included
✓ Psychiatric hospitalisation: up to 50 days
No waiting period for planned hospitalisation on the Sanitas Residents Plan.

🔬 Diagnostic Tests — Simple & High Technology

✓ Full range — simple to high-technology across all specialities
✓ MRI (resonancia magnética) and CT scan (TAC)
✓ Neurophysiology, nuclear medicine and genetics testing
✓ Endoscopy, haemodynamics and interventional radiology
✓ Mammography, echocardiography, bone densitometry

💊 Therapeutic Methods & Rehabilitation

✓ Physiotherapy & rehabilitation
✓ Radiotherapy (excluding proton and neutron therapy)
✓ Chemotherapy and oncology treatment
✓ Lithotripsy, laser treatments (covered procedures), endoscopy
✓ Home respiratory therapies

🦷 Dental — Sanitas Dental 21 Included

Dental treatments included at no charge. Access 200+ Sanitas Milenium dental clinics across Spain.

✓ General dental consultation: examination & diagnosis
✓ Oral hygiene (scale and polish)
✓ Emergency dental consultation
✓ Extractions — simple and wisdom teeth (including with cysts)
✓ Full dental X-rays: periapical, panoramic (OPG), lateral skull, dental CT (TAC)
✓ Orthodontic study & first brace replacement (metal, ceramic, sapphire, Damon)
✓ Implant maintenance (Milenium guarantee), high-aesthetic veneer maintenance, occlusal analysis
21% average discount on all dental treatments not included in Dental 21 — fillings, crowns, implants and cosmetic treatments at significant reduction.

✈️ Emergency Assistance Abroad — €12,000/year (90 days)

Comprehensive emergency medical cover for travel outside Spain — for stays up to 90 days, up to €12,000 per person per year.

✓ Medical & hospital expenses abroad
✓ Prescribed medications and dental emergency (up to €300)
✓ Medical transfer to appropriate facility
✓ Companion hotel accommodation (up to €60/day, max 10 days)
✓ Family member travel & accommodation (up to 5 days); minor children accompaniment
✓ Repatriation of remains; baggage & personal belongings search; medication forwarding
✓ Emergency funds advance (€1,500); legal assistance (€1,500); bail bond (€10,000)

🌍 Repatriation Cover — Required for NLV & DNV

⚠️ Why Repatriation Cover Is Critical for Your Visa

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.

✓ Transport of coffin or ashes to the nearest international airport to the chosen burial location in your country of origin
✓ Onward transport costs from airport to burial location — up to US$1,000 (where burial is more than 30km from the airport)
✓ Companion travel included — direct family members resident in Spain
✓ No waiting periods. No pre-existing condition exclusions.
Repatriation is explicitly confirmed on your Sanitas Residents certificate — exactly what consulates require.

🔍 International Second Medical Opinion

✓ Access to world-leading specialists in any country
✓ Full written report: clinical history summary, specialist opinion on diagnosis and treatment, specialist CV
✓ Personal medical consultant manages the entire process
✓ For serious and chronic conditions requiring scheduled care — call 93 254 05 38
✗ Excludes acute conditions and emergencies

➕ Additional Covered Services

✓ Nutrition consultations
✓ Orthotics & prosthetics
✓ Materno-infant programme
✓ Preventive medicine — early disease detection including consultation, physical examination and basic diagnostics
✓ Sanitas Welcome — dedicated customer service for appointments, authorisations and policy queries (English-speaking agents available on 91 200 04 30)

Sanitas Residents — At a Glance

Copayments✓ None

Waiting periods✓ None

NLV / DNV compliant✓ Yes

CertificateIssued once accepted and paid

Repatriation✓ Confirmed in cert

DentalDental 21 — services included

Emergency abroad€12,000/yr (90 days)

Payment6-monthly or annual

Max entry age75

ID required✓ Passport only

Plans from

€67.76

per month — from price

Get My Personal Quote → Compare All Sanitas Plans

📄 Policy Documents

Insurance Product Information Document · PDF

Optional Extras You Can Add

Residents includes several benefits that other plans charge for. Optional add-ons let you customise your policy further.

✈️

Emergency Cover Abroad Included

Up to €12,000/year for medical emergencies during stays outside Spain of up to 90 days. Covers hospital costs, medication, dental emergency, companion hotel and repatriation of remains.

🦷

Dental 21 Included

dental services at 200+ Sanitas Milenium clinics. 21% discount on all other treatments. Included in the plan at no extra cost.

🔍

International Second Opinion Included

Access world-leading specialists globally for a second opinion on serious conditions. Full written report, personal medical consultant. Call 93 254 05 38.

💶

Reimbursement Complement Optional

Add 80% reimbursement up to €150,000 or €300,000 at any clinic in Spain or worldwide — ideal if you want freedom to use clinics outside the Sanitas network.

🦷+

Dental Milenium / Premium Optional

60+ dental services including fillings, reconstruction and cosmetic dentistry. 40% discount on non-included services. Upgrade from the included Dental 21.

🚗

Work / Traffic Accident Cover Optional

Medical assistance for work or traffic accidents. Under 18s Included. Must be taken by all insured persons on the policy.

💊

Pharmacy & Home Services Optional

Save time and reduce medication costs — 50% off a wide range of prescription medications delivered to your home. Must be taken by all insured persons on the policy.

🏠

Family Assistance Optional

Practical support for you and your family in unexpected situations — hospitalisation, being confined at home due to illness, or death. Domestic help, childcare, personal assistance and more.

Full add-ons list available on request. Ask us when you get your quote →

Which Visas Does Sanitas Residents Cover?

As of January 2026, Spanish consulates require private health insurance for the following visa types. The Sanitas Residents Plan is configured for these requirements.

🛂 Non-Lucrative Visa (NLV)

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.

No copayments — confirmed ✓
Hospitalisation included — confirmed ✓
Repatriation — stated in certificate ✓
No waiting periods — confirmed ✓
Certificate in English & Spanish ✓

💻 Digital Nomad Visa (DNV)

Spain's visa for remote workers employed by foreign companies. Same health insurance requirements as the NLV — no copay, hospitalisation, repatriation, no waiting periods.

No copayments — confirmed ✓
Cover that is active from the policy start date ✓
Repatriation — stated in certificate ✓
Certificate issued once accepted ✓

🎓 Student Visa

International students studying in Spain. Sanitas Residents is accepted for student visa applications in addition to the dedicated International Students plan.

Full Sanitas network ✓
No copayments ✓
Visa certificate issued once accepted ✓

🏡 Also Accepted For

Family Reunification, Work visa for self-employed and entrepreneurs, Academic and Research mobility, Job-seeker visa (in many cases), EU Residency Certificate (CUE–EX18).

Commonly used for visas requiring private health insurance ✓

⚠️

Nationality note: Sanitas Residents Visado (no waiting periods) is for eligible nationals from outside the EU, EEA and Switzerland. EU/EEA/Swiss citizens do not require private health insurance for residency permits — but EU nationals who need the Certificado de Ciudadano de la Unión Europea (CUE–EX18) may also arrange the non-Visado Sanitas Residents.

Policy Conditions

Applying for a Spanish visa? No waiting periods

✓

Sanitas Residents Visado has no waiting periods. It is the version for eligible applicants from outside the EU, EEA and Switzerland who are applying for an NLV, DNV or another qualifying Spanish visa or residency route. Covered benefits are available from the policy’s effective date.

Medical underwriting, exclusions, pre-existing-condition rules, policy limits and insurer acceptance still apply.

Not applying for a visa? Sanitas Residents is the non-Visado version. It is available more broadly, including to EU citizens, and has standard waiting periods under its policy terms.

Student visa? Sanitas International Students is normally the first option. We will confirm if Residents Visado is more appropriate for your age, studies or circumstances.

Residents or Residents Platinum?

A quick comparison — the full breakdown is 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

In short: mainly living in Spain and after the lower-cost visa option → Residents. Want worldwide reimbursement, stronger cover abroad, and 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?

Mainly living in Spain → Sanitas Residents
Spend significant time abroad → Residents Platinum
EU or EEA citizen → Más Salud or a non-Visado option
Coming to study → Sanitas International Students

Get My Quote →

Other Sanitas Plans Worth Comparing

Filter plans by your situation or needs — use the buttons below to find the right match.

This Plan

Sanitas Residents

From €67.76/mo

NLV ✓ DNV ✓ Visa ✓ No Copay

✓ Visa & residency approved — NLV, DNV & more
✓ No copayments on any consultation
✓ Repatriation confirmed in certificate
✓ No waiting periods from day one
✓ Certificate in English & Spanish, issued once accepted and paid

Sanitas Residents Platinum

From €107.23/mo

NLV ✓ Visa ✓ Platinum No Copay

✓ Everything in Residents, plus:
✓ 90% reimbursement up to €500,000 worldwide
✓ USA medical coverage included
✓ €400 dental + €300 pharmacy reimbursement
✓ Emergency abroad €30,000/year

View Plan Get Quote

Sanitas Premium 500K

From €92.18/mo

NLV ✓ International Over 60 EU Residency

✓ Visa compliant — no copayments
✓ €500,000 international cover limit
✓ 90% reimbursement outside network
✓ Worldwide + Bupa global network
✓ Ideal for over 60s & frequent travellers

View Plan Get Quote

Más Salud sin Copay

From €59.90/mo

No Copay Most Popular EU Residency

✓ Zero copayments at every visit
✓ Full Sanitas network in Spain
✓ Dental 21 & Blua Included
✓ Good for residents & over 60s
✗ Not for NLV / DNV visa applications

View Plan Get Quote

Sanitas Único

From €44.40/mo

With Copay Over 60

✓ Designed for ages 60–85
€ Small copay per visit
✓ Full Sanitas medical network
✓ Hospitalisation & surgery included
✗ Not for visa applications

View Plan Get Quote

Sanitas Avanza

From €32.40/mo

With Copay Best Value

✓ Entry-level full network access
€ Small copay per consultation
✓ Hospitalisation included
✓ Good for over 60s on a budget
✗ Not for visa applications

View Plan Get Quote

Autónomo

Profesionales

From €78.20/mo

No Copay Flat Rate

✓ Flat rate — price doesn't rise with age
✓ Zero copayments
✓ Full Sanitas network
✓ Tax-deductible for autónomos
✓ Hospitalisation & surgery included

View Plan Get Quote

Autónomo

Profesionales Plus

From €49.60/mo

With Copay Flat Rate

✓ Flat rate — price doesn't rise with age
€ Small copay per consultation
✓ Full Sanitas network
✓ Tax-deductible for autónomos
✓ Hospitalisation & surgery included

View Plan Get Quote

Autónomo

Profesionales Óptima

From €37.60/mo

With Copay Best Value

✓ Lowest-cost autónomo plan
€ Copay per consultation
✓ Full Sanitas network
✓ Tax-deductible for autónomos
✓ Hospitalisation included

View Plan Get Quote

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 →

What Happens After You Decide?

Common questions once you’ve decided Residents is right for you.

Joining age. Residents has a maximum contracting age, and it is higher than Platinum's — which is why older applicants are often steered here. The maximum contracting age applies when a new application is made. Continued cover and renewal remain subject to the policy terms.
The medical declaration. A health declaration forms part of the application. Outcomes range from acceptance on standard terms, to acceptance with specific exclusions, to a request for more medical information, to a decline. Nobody can tell you the outcome in advance.
Certificate timing. The certificate is issued after the policy is accepted and paid for — it cannot be produced before that. Build that into your appointment planning rather than requesting it the day before.
Buying before you arrive. The policy can be arranged from your home country before you move, which is normally necessary for a visa application. The start date is set deliberately rather than defaulting to the purchase date.
Applying without an NIE. You do not need an NIE to request a quote or begin the process. It becomes relevant later.
Paying from a foreign card or account. A Spanish bank account is not usually needed to start. Ongoing payment arrangements are confirmed during the application.
Family applications. Everyone is assessed and priced individually, and everyone who must appear on the documentation has to be named. Start dates need to line up across the family or the paperwork shows a gap.

Mistakes People Make With Residents

Buying the standard configuration for a visa application. This is the most expensive mistake people make. Tell us the route first.
Expecting worldwide planned treatment. Residents covers emergencies abroad, not planned care. That is Platinum.
Leaving the certificate to the last minute. It follows acceptance and payment. There is no way to shortcut that sequence.
Cancelling existing cover too early. Never cancel anything until the new policy is confirmed and active.
Assuming dental works like reimbursement. Residents includes Dental 21, which works through the dental network rather than by claiming money back.
Leaving a family member off the application. A certificate naming only the main applicant will not support the whole family.

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 →

🛂 Eligible for Visa & Residency Applications

📅 Contract Up to 6 Months in Advance

⚡ Instant Visa Certificate

🛂

Visa-Compliant Health Insurance

Sanitas Residents is accepted for Spanish visa and residency applications, including for NLV, DNV, Student Visa and Family Reunification

✓ Certificate in English & Spanish, issued once accepted and paid ✓ Confirms repatriation, no copayments, validity dates & no waiting periods ✓ No NIE required — passport only to apply ✓ Designed to meet the private health-insurance requirements for Spanish visa applications, with final visa decisions made by the Spanish authorities

About visa certificates →

✓No copayments

✓No waiting periods

✓Certificate in English and Spanish

✓Repatriation confirmed

✓English-language app

✓Doctor language filter

Request a quoteTell us your age, province and visa type. We confirm your exact personalised price in minutes.

Apply in 5 minutesComplete the health questionnaire and pay by international credit card or bank transfer — no NIE needed.

Your certificate is issued once your policy has been accepted and payment has been confirmedYour visa certificate is issued once your application is accepted and payment received — ready for your consulate appointment.

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.

58,000+Doctors & specialistsFull Sanitas cuadro médico

4,500+Clinics & hospitals5 own hospitals + concerted

200+Dental clinicsSanitas Milenium network

3,600+Video consult specialists36 specialities via Blua

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.

blua.

included With Every Residents Policy

Digital Health & Telemedicine — Fully in English

Learn more about Blua →

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.

🌐

Doctor Language Filter

Best Health Insurance in Spain — Compared

Filter the entire Sanitas network by the language a doctor speaks. English, German, French, Italian and more — find your specialist, book instantly.

📹

Emergency Video — 24/7

Immediate emergency video consultation for general medicine and paediatrics — anywhere in Spain, any hour, day or night. No waiting room.

👨‍⚕️

36-Speciality Video Consults

3,600+ professionals available by video across 36 medical specialities. Digital appointments available in 10 specialities.

💓

Vital Signs via Facial Scan

Check heart rate, respiratory rate, stress and more using your phone camera — no extra device needed. Powered by Blua Health AI.

🧘

Personalised Health Programmes

Video-consultation-based programmes included from day one: nutrition, personal trainer, pregnancy, paediatrics (0–4), psychology, pelvic floor, stop smoking and physiotherapy.

📱

Everything Managed In-App

Digital insurance card, prescriptions, test results, medical history, appointments, reimbursement requests — fully in English in Mi Sanitas.

Full guide to Sanitas Blua digital health →

✓Pay by international Visa or Mastercard

✓No Spanish bank account required

✓No NIE required — passport only

✓Annual or semi-annual payment

✓Apply from outside Spain

✓Your certificate is issued once your policy has been accepted and payment has been confirmed

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.

Free guide

Sanitas Residents product guide

A straight explanation of what Sanitas Residents is, who it suits, and the product facts you can rely on — so you can set the cover up correctly and know when to ask before you buy.

What Sanitas Residents is, and who it suits
The product facts you can rely on
Why ‘suitable’, ‘accepted’ and ‘approved’ are not the same

View the free guide →

Which version do you need?

Tell us whether you need the policy for a Spanish visa or residency application, EU residence registration, or private healthcare in Spain. We will help you choose the appropriate product version and explain its copayments, waiting periods and documentation before you apply.

Eligible Visado versions have no copayments and no waiting periods. Similarly named non-Visado versions have different terms and may include waiting periods.

Next steps

Applying for a Spanish visa? Next steps

Ready to move forward, or need to understand the insurance certificate the consulate asks for? These guides take you through it.

How to apply online →Your visa insurance certificate →

Why Sanitas

Why International Residents Choose 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.

58,000+doctors and medical professionals

4,500+hospitals, clinics and medical centres

2.9m+customers across Spain

1989part of the Bupa group since

English-speaking supportAdvisers and a service built around international residents, not translated as an afterthought.

The Mi Sanitas appBook appointments, hold digital prescriptions and see results in one place — available in English.

Video consultationsSpeak to a doctor without travelling, which removes a lot of the language friction early on.

Private network accessPrivate hospitals and clinics across Spain, subject to your plan and location.

Network access, benefits and available services depend on the plan you hold and where you live.

The process

How It Works

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.

1Tell us your situationYour route into Spain, your age, roughly when you are moving and anything about your medical history we should know.
2We recommend a planWe check which Sanitas options are genuinely open to you rather than sending a generic list.
3We prepare your quoteA personalised price for your circumstances, with the cover explained in plain English.
4You decideNo obligation at any point. If it is not right, we will say so.
5We arrange the policyWe handle the application with Sanitas and keep you updated.
6You receive your certificateIssued once the policy is accepted and paid for — the document your application needs.

⭐⭐⭐⭐⭐

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

Using Us — The Questions People Ask First

Do I pay anything extra for using you?

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.

Why should I use an agent instead of buying direct?

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.

Are you an official Sanitas agent?

Yes. We are an Official Exclusive Sanitas Agent and work directly with Sanitas.

Can I speak to someone in English?

Yes. We are native English-speaking advisers and handle everything in English, from your first enquiry through to your policy and its renewal.

Can I still contact Sanitas directly after my policy starts?

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.

Can you offer discounts?

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?

Official Exclusive Sanitas Agent — direct access to SanitasNative English-speaking advisersPersonalised recommendations, not a generic price listVisa certificate supportWe only recommend plans that are genuinely suitableNo obligation at any stage

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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.

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Common Questions

FAQ — Sanitas Residents

Everything expats ask us about this plan.

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Yes. The Sanitas Residents Plan has no copayments, no waiting periods, full hospitalisation and surgery, and repatriation to your country of origin — all explicitly confirmed in the policy certificate. It is designed to meet the health insurance requirements set by the Spanish MAEC for the NLV and is accepted for Spanish visa and residency applications. The certificate is issued in English and Spanish. Please note: the visa certificate is issued once payment has been made and the policy has been confirmed by Sanitas. Eligibility depends on your nationality and residency route — we confirm which Sanitas product applies to you before you apply.

Yes. The Sanitas Residents Plan requires only your passport — no NIE or Spanish bank account needed. Payment is accepted by international Visa or Mastercard credit card and by bank transfer (SEPA and international). You can apply from outside Spain before you move, which is essential for visa applications requiring proof of health insurance before arrival.

If you are taking the Sanitas Residents Plan specifically to obtain or renew a Spanish residency or student visa (NLV, DNV, Student Visa etc.), there are no waiting periods. Full cover begins from day one. This is also the version that accepts passport only (no NIE), allows payment by international credit card, and is the one confirmed on your visa certificate. If you are already living in Spain and do not need a visa, the plan is also available with standard waiting periods — useful if you have existing continuity from another insurer. Ask us when you get your quote and we will confirm which applies to your situation.

Your certificate is issued automatically the moment your policy is confirmed. It is sent to the email address you provided and is also available immediately in the Mi Sanitas app under Más → Gestiones → Póliza y documentación → Contrato y documentación. The certificate explicitly confirms: no copayments, hospitalisation cover, repatriation and validity dates — the four points Spanish consulates check. If you need it urgently, contact us or call Sanitas Welcome on 91 200 04 30.

Yes. The Mi Sanitas app is fully available in English (and German, French and Spanish). As a Sanitas Residents customer, you can filter the entire doctor network by the language a specialist speaks — find English-speaking GPs and specialists across Spain, book presential or video appointments, access video consultations 24/7, manage your digital insurance card and medical history, and submit reimbursement requests — all in English.

If you've been continuously insured with a Spanish private health insurer (or any Bupa Group company) for more than 12 months, any standard waiting periods that would otherwise apply can be waived on presentation of your previous policy conditions and last payment receipt (maternity/childbirth may be treated as an exception). The Residents visa option already has no waiting periods, according to the official Sanitas visa-plan wording. If you are taking this plan for a visa, there are no waiting periods regardless of your insurance history.

The emergency assistance abroad benefit covers medical and hospital expenses, prescribed medications, dental emergencies (up to €300), medical transfers to appropriate facilities, companion hotel accommodation (up to €60/day for up to 10 days), family member travel and accommodation (up to 5 days), accompaniment of minor children, repatriation of remains, baggage and personal belongings search, medication forwarding, an emergency funds advance of up to €1,500, legal assistance up to €1,500 and a bail bond up to €10,000. The limit is €12,000 per insured person per year for stays abroad of up to 90 days.

Yes. Children aged 0–2 must have at least one other insured adult over 2 on the policy. Children aged 3–18 can be insured individually as long as the policyholder is an adult. There is no maximum age for permanent stay (up to age 75 at entry). A 10% family discount applies when 4 or more people are insured on the same policy — and this discount is permanent as long as 4+ remain insured.

Yes. If you have been continuously insured with a Spanish health insurer (or any Bupa Group company) for more than 12 months, any standard waiting periods that would otherwise apply can usually be waived on presentation of your previous policy conditions and last payment receipt (maternity and childbirth may be treated as an exception). Sanitas Residents Visado already has no waiting periods for eligible visa applicants, according to the official Sanitas visa-plan wording.

Related Visa & Sanitas Guides

Visa Routes

Non-Lucrative Visa Health Insurance Digital Nomad Visa Health Insurance Visa-Compliant Health Insurance

Plan Comparison

Residents vs Residents Platinum Sanitas Residents Platinum Sanitas Pricing

Practical Help

Pre-Existing Conditions NLV Cost DNV Cost Get a Quote

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The Expat HealthInsurance Builtfor Spain

What Is Sanitas Residents?

Is Sanitas Residents Right for You?

Residents could be a good fit if you:

You may prefer Residents Platinum if you:

Other circumstances

What’s Included in Sanitas Residents

What’s Covered in More Detail

⚠️ Why Repatriation Cover Is Critical for Your Visa

Optional Extras You Can Add

Which Visas Does Sanitas Residents Cover?

🛂 Non-Lucrative Visa (NLV)

💻 Digital Nomad Visa (DNV)

🎓 Student Visa

🏡 Also Accepted For

Applying for a Spanish visa? No waiting periods

Residents or Residents Platinum?

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What Happens After You Decide?

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Doctor Language Filter

Emergency Video — 24/7

36-Speciality Video Consults

Vital Signs via Facial Scan

Personalised Health Programmes

Everything Managed In-App

Sanitas Residents product guide

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Why International Residents Choose Sanitas

How It Works

Using Us — The Questions People Ask First

Do I pay anything extra for using you?

Why should I use an agent instead of buying direct?

Are you an official Sanitas agent?

Can I speak to someone in English?

Can I still contact Sanitas directly after my policy starts?

Can you offer discounts?

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FAQ — Sanitas Residents

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