17 plans from €22.10/month. Find the right cover for your situation — visa applications, family cover, over 60s, autónomo, or simply the best value private health insurance in Spain.
Spain's leading private health insurer
Six key factors that determine which Sanitas plan is right for your situation.
Copay plans charge a small fee (typically €2–€6) at each GP or specialist visit, with lower monthly premiums. No-copay plans cost more per month but have zero charge at point of use — preferred by many expats and visa applicants.
If you are applying for a Non-Lucrative Visa or Digital Nomad Visa, only two plans are accepted: Sanitas Residents and Residents Platinum. These are the only plans that include repatriation cover and consulate-compliant certificate wording.
Dedicated family plans (Más Salud Familias and Familias Plus) offer tailored cover for households. Alternatively, individual plans can be combined — each person receives age-based pricing and their own policy documentation.
Several plans are specifically designed for applicants over 60: Avanza, Único, Top Quantum, Más 90,000 Con and Sin Copago. If you are under 60, the full Más Salud range offers the best value progression from entry to premium.
Self-employed residents can choose from three Profesionales plans — Óptima, Plus, and No Copay — each designed with autónomo working patterns in mind and offering the same comprehensive Sanitas network as standard plans.
Prices vary by age and province. The most affordable entry point is Sanitas Accede from €22.10/month. As a general guide, copay plans suit those who want to minimise monthly costs, while no-copay plans suit those who prefer predictable spending.
A selection of plans across price points to help you identify the right tier before browsing all 17 options below.
| Feature | Accede | Más Salud Plus | Más Salud sin Copay | Sanitas Residents | Premium 500,000 | Residents Platinum |
|---|---|---|---|---|---|---|
| From price | €22.10/mo | €41.67/mo | €59.90/mo | €67.76/mo | €94/mo | €107.23/mo |
| Copay at visit | Yes (€2–€6) | Yes (€2–€6) | ✓ None | ✓ None | ✓ None | ✓ None |
| GP & specialist access | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Hospital & surgery | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Diagnostics (X-ray, blood) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Emergency cover | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Repatriation cover | – | – | – | ✓ | – | ✓ |
| NLV & DNV visa approved | – | – | – | ✓ Visa OK | – | ✓ Visa OK |
| BluaU digital consultations | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Prices shown are confirmed from-prices (April 2026). Your exact premium depends on age and province. Get an exact quote →
Not sure where to start? Here are the most common situations and the plans that match best.
Spanish consulates require repatriation cover and specific certificate wording. Only two plans meet this requirement.
The DNV requires the same repatriation cover and consulate-ready documentation as the NLV.
Full access to the Sanitas network at the lowest possible monthly cost. Ideal for healthy individuals who want cover at an affordable price.
Dedicated family plans covering all household members, with the option to add children and partners at age-based pricing.
Three Profesionales plans designed for autónomos, with the same comprehensive network and the choice of copay or no-copay.
Five plans are available to applicants over 60, covering everything from entry-level copay to premium no-copay options.
Filter by what matters to you — copay preference, visa eligibility, age group, or family needs.
Prices shown are confirmed 'from' prices (April 2026). Your exact premium depends on your age and province. Get an exact personalised quote →
Tell us about your situation and we'll send you exact prices across all plans — or recommend the best fit if you're not sure. No obligation, no hard sell.
Common questions about comparing Sanitas plans and choosing the right cover.