The same complete visa-compliant cover as Sanitas Residents — plus 90% worldwide reimbursement up to €500,000 (100% in the USA), 65+ included dental services plus 80% reimbursement up to €400 per insured per year and €30,000 emergency assistance abroad.
⚠️ The visa certificate is issued once payment has been made and the policy has been confirmed by Sanitas.
Trusted by international residents
Residents Platinum is Sanitas Residents for people whose life still extends beyond Spain. It carries the same no-copay Spanish cover and the same certificate for visa and residency applications — then adds reimbursement for treatment outside Spain, higher emergency limits abroad, and dental and pharmacy reimbursement.
That is the whole proposition. Residents answers “I am moving to Spain and will be treated in Spain.” Platinum answers “I am moving to Spain, but I still spend real time somewhere else and I want cover that follows me.”
The same warning that applies to Residents applies here, and it matters just as much.
Residents Platinum 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 Platinum policy taken out by someone already living in Spain, with no application to satisfy, is not automatically identical.
Platinum is the right answer for a specific kind of person, and an expensive one for everybody else. This is worth being honest about, because the difference in premium buys benefits some people will never use.
The blunt version: if you are moving to Spain and staying put, Platinum is money spent on benefits you will not use. Sanitas Residents is the page you want.
A reference table rather than a marketing list. Every line is subject to the policy terms in force when you apply.
| Benefit | Residents Platinum |
|---|---|
| Copayments | No copayment — consultations and services are included in the premium |
| Medical network in Spain | Full access to the Sanitas network — 58,000+ doctors and 4,500+ hospitals, clinics and centres |
| Specialists and diagnostics | Included, subject to authorisation rules for some services |
| Hospitalisation and surgery | Included within the Sanitas network |
| Planned treatment outside Spain | 90% of eligible costs reimbursed, up to €500,000 per insured per year |
| Emergency care abroad | Up to €30,000 per insured per year |
| Dental | 65+ included dental services within the Sanitas dental network, discounts on other treatments, plus 80% reimbursement up to €400 per insured per year |
| Pharmacy | Reimbursement — 50% up to €300 per insured per year |
| Digital services | Mi Sanitas app, video consultations and digital prescriptions |
| Visa certificate | Issued once the policy is accepted and payment confirmed |
| Maximum contracting age | Lower than Residents — must be checked before applying |
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 priced for your situation?
Send us your age, route and how much time you expect to spend outside Spain. We will confirm whether Platinum is genuinely worth the difference for you.
Check My Cover →The short version of a decision covered in full on the dedicated comparison page.
| Residents Platinum | Sanitas Residents | |
|---|---|---|
| Best for | Life that extends beyond Spain | Living and being treated mainly in Spain |
| Planned treatment abroad | 90% of eligible costs up to €500,000 per insured per year | Not included |
| Emergency cover abroad | Up to €30,000 per insured per year | Up to €12,000 per insured per year |
| Dental | 65+ included services plus 80% reimbursement up to €400 per year | Sanitas Dental 21 included |
| Pharmacy | 50% up to €300 per insured per year | Not included |
| Maximum contracting age | Lower — check before applying | Higher — more open to older applicants |
| Premium | Higher | Lower |
The one-line rule: if your life still extends beyond Spain → Platinum. If you are moving to Spain and staying → Residents.
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?
The questions that come up once someone has decided Platinum is right.
Not sure Platinum is worth the difference?
That is the right question to ask. Send us your route, age and how much time you spend outside Spain, and we will tell you honestly which of the two fits.
Get My Platinum Quote →Every benefit of Sanitas Residents, plus four significant upgrades included as standard.
Platinum includes every benefit of the Residents plan — listed in full below — with Platinum upgrades marked with ★.
Platinum includes enhanced dental cover — a significant upgrade from Dental 21. 65+ included dental services within the Sanitas dental network, plus €400 annual dental reimbursement for private dental work outside the network.
Platinum raises the emergency abroad limit to €30,000 per person per year (up from €12,000 on standard Residents) for trips outside Spain of up to 90 days.
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. Sanitas Residents Platinum explicitly confirms repatriation on your certificate with no ambiguity.
Residents Platinum meets the same visa requirements as Residents — and is accepted for Spanish visa and residency applications for the same visa types.
The most common residency visa for retirees and people of independent means. Residents Platinum is configured for the NLV health insurance requirements.
Spain's visa for remote workers employed by foreign companies. Same requirements as the NLV — Platinum is configured for them.
Residents Platinum 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.
Visa applicants — all services
If you do not need a visa
Waiting periods on non-visa Sanitas products vary by plan and benefit. We confirm the current terms against the official policy wording before you rely on cover.
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.
Switch the app to English instantly. Book appointments, access your digital insurance card, manage family members — everything in English, German, French or Spanish.
Filter the entire Sanitas network by the language a specialist speaks. Find English-speaking GPs and specialists across Spain for presential or video appointments.
Access 3,600+ video consult specialists across 36 specialities — day or night. First consultation typically within minutes. No waiting room, no travel.
Platinum already includes several benefits that standard Residents charges extra for. Optional add-ons let you customise your policy further.
Full add-ons list available on request. Ask us when you get your quote →
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 →
If you are still weighing private cover against the public system, our complete guide compares public and private healthcare in Spain side by side.
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 Platinum price. Your visa certificate is certificate issued once your policy has been accepted and payment has been confirmed you confirm.
Everything expats ask us about Platinum.
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.