Compare 17 Sanitas health insurance plans from €22.10 per month and find the right private medical cover for your situation in Spain — whether you need low-cost cover, no-copay insurance, family protection, student visa insurance, autónomo cover, over-60s health insurance, or a visa-ready policy for an NLV or Digital Nomad Visa.
Sanitas is part of the Bupa group — a global health insurance leader serving over 38 million customers worldwide. Sanitas' 2024 annual report described it as the second largest health insurer in Spain with 2.9 million customers, and recent 2026 reporting states Sanitas passed three million insured customers in 2025. The Sanitas medical network is referenced at 58,000+ healthcare professionals and 4,500+ medical centres in Sanitas-related product information.
Why compare
Sanitas offers a wide range of private health insurance plans in Spain, but the cheapest policy is not always the right one. Some plans are built for low monthly cost. Others are designed for families, over-60s, self-employed professionals, students, or foreign residents applying for Spanish visas.
The biggest mistake people make is comparing only the monthly price. A plan from €22.10 per month can be perfect for a healthy person who wants basic private access, but it may be completely unsuitable for someone applying for a Non-Lucrative Visa or Digital Nomad Visa. A family with children may need different cover from a single remote worker. Someone over 60 may have fewer options than someone aged 30.
This page compares the main Sanitas options by price, cover type, visa suitability, copayment structure and best-use case, so you can make a better decision before requesting your exact quote.
Sanitas at a glance
Sanitas is one of Spain's major private health insurers and is part of the international Bupa group. Sanitas' 2024 annual report described it as the second largest health insurer in Spain with 2.9 million customers. Recent 2026 Spanish business reporting states that Sanitas passed three million insured customers in 2025.
Sanitas offers plans for residents, foreigners, students, families, autónomos, older applicants and people who want private access alongside public healthcare. Plans available on this comparison page: 17. From price: €22.10/month. Visa-focused options: Sanitas Residents and Residents Platinum. Medical network referenced at 58,000+ healthcare professionals and 4,500+ medical centres. Sanitas was founded in Spain in 1954 and is part of the Bupa group.
How to compare
When comparing Sanitas plans, do not start with the price alone — start with your situation. A person applying for a Spanish visa needs a very different policy from someone who already has public healthcare. A student needs a different policy from a retired couple. A self-employed autónomo may want a professional plan. A family may want paediatric care, hospital cover and predictable costs. These are the six key factors to compare.
A copay plan has a lower monthly premium, but you pay a small fee when you use certain medical services (copago). A no-copay plan (sin copago) costs more each month but you normally pay nothing extra at the point of use for covered services.
For Non-Lucrative Visa and many Digital Nomad Visa applicants, private health insurance usually needs to be comprehensive, valid in Spain, no-copay, without waiting periods where required, and supported by a proper certificate.
Some plans focus on outpatient care, while others include full hospitalisation and surgery. If private healthcare is your main route in Spain, hospitalisation becomes much more important.
Age affects both price and availability. Some plans target younger applicants, others are designed for over-60s. If you are over 60, do not rely on headline “from” prices — ask for a personalised quote.
Sanitas has plans for different life situations. The “best” plan changes depending on whether you are a family, a student, self-employed, an over-60, or a foreign resident applying for a visa.
A low monthly price can look attractive, but your real cost depends on copayments, usage, add-ons and exclusions. A copay plan saves money if you rarely visit a doctor; no-copay is better if you use healthcare regularly.
Key plans at a glance
Six representative plans across the Sanitas range — from the cheapest entry-level cover to premium visa-focused insurance — to help you identify the right tier before browsing all 17 plans 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 | €94.00/mo | €107.23/mo |
| Copay at visit | ✓ Yes | ✓ Yes | – None | – None | – None | – None |
| GP & specialist | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Hospital & surgery | ⚠ Check policy | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Diagnostics | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Emergency cover | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Repatriation | – No | – No | – No | ✓ Yes | – No | ✓ Yes |
| Visa-focused cert. | – No | – No | – No | ✓ Yes | – No | ✓ Yes |
| Digital healthcare | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Best for | Lowest price | Everyday cover | No-copay value | NLV / visa | Premium cover | Premium visa / foreign resident |
Prices shown are from-prices. Your exact premium depends on age, province, medical history and selected options. Request a personalised quote before choosing.
Which plan fits you
Recommended Sanitas options: Sanitas Residents or Residents Platinum. Do not choose a general low-cost policy simply because it is cheaper. NLV health insurance normally needs to be private, comprehensive, no-copay, valid in Spain, and supported by a certificate.
Recommended Sanitas options: Sanitas Residents or Residents Platinum. DNV health insurance can be more nuanced than NLV — some applicants use Spanish Social Security or a recognised foreign social security certificate. Where private insurance is required, the policy should be comprehensive and properly documented.
Recommended Sanitas options: Sanitas Accede, Más Salud Óptima, Sanitas Avanza. Best for healthy people who want access to private GPs, specialists, diagnostics and digital healthcare without paying for a premium plan.
Recommended Sanitas options: Más Salud Familias Sin Copay, Más Salud Familias Plus, Sanitas Residents for visa families. Compare total annual cost, not only the lowest adult premium — children may need paediatric care, urgent appointments and hospital cover.
Recommended Sanitas options: Profesionales Óptima, Profesionales Plus, Profesionales No Copay. The Profesionales range is designed for working adults and autónomos, with options depending on whether you prefer lower monthly premiums or no-copay predictability.
Recommended Sanitas options: Avanza, Único, Top Quantum, Más 90,000 Con Copago, Más 90,000 Sin Copago, Residents or Residents Platinum for visa applicants. Compare based on age eligibility, hospital cover, copayments and visa or supplement use.
Recommended option: Sanitas International Students. Designed for international students with comprehensive healthcare, no copays, no waiting periods and repatriation coverage. Do not use a general cheap policy if you need a student visa.
All 17 plans
Below is a clear overview of the 17 Sanitas plans on this page, ordered by monthly from-price. Hover or tap any plan to see its key features. Prices shown are from-prices — your exact premium depends on age, province and medical history.
With copay
Lowest monthly price for healthy residents who want basic private access.
With copay
Broader cover at a low price — a step up from entry-level.
With copay
Expanded cover with controlled monthly cost using small copayments.
With copay · Autónomo
Self-employed professionals at a practical monthly cost.
With copay · Family
Affordable family cover with paediatric care.
With copay
Enhanced everyday cover beyond entry-level options.
With copay · Over-60
Older applicants seeking practical age-appropriate cover.
With copay · Autónomo
Stronger cover for self-employed professionals.
No copay · Family
Family cover with no point-of-use charges.
No copay · Over 60
Over-60s who want no-copay private healthcare.
With copay · Over 60
Broader cover with controlled premium for older applicants.
No copay
No-copay everyday private healthcare.
No copay · Visa-focused
Main Sanitas visa-focused option for Non-Lucrative Visa applicants — valid for visa processing, includes repatriation, no-waiting-period option, and the Mi Sanitas app in English.
No copay · Over 60
Premium no-copay cover for older applicants.
No copay · Autónomo
Premium professional option for autónomos who want no charges at the point of use.
No copay · Premium
Higher cover limits and premium protection.
No copay · Premium · Visa
Premium foreign-resident insurance — Sanitas states that waiting periods are waived to facilitate residency visa processing.
Copay vs no-copay
A copay plan charges a small amount when you use certain medical services. The monthly premium is usually lower — attractive for healthy people who do not visit doctors often. A no-copay plan has a higher monthly premium but no charge at the point of use. No-copay plans are often preferred by families, regular healthcare users and visa applicants.
Lower monthly premium. You pay a small amount when you use certain medical services.
Higher monthly premium. You do not pay extra at each covered appointment.
Visa-ready Sanitas plans
From €67.76/month
Usually the first plan to consider if you are applying for a Spanish residence visa and need private health insurance. Designed for foreigners and positioned for visa processing.
Especially relevant for
From €107.23/month
The premium version for foreign residents and visa applicants — wider cover, premium benefits and stronger international flexibility. Sanitas states waiting periods are waived to facilitate residency visa processing.
Especially relevant for
Pricing factors
The prices on this page are "from" prices. Your exact premium can be different because Sanitas pricing depends on several factors.
Usually the biggest pricing factor. Younger applicants normally pay less. Older applicants may face more underwriting questions and higher premiums.
Prices can vary by province. Madrid, Barcelona and some high-demand areas may price differently from smaller provinces.
Entry-level, copay and outpatient-focused plans cost less. No-copay, visa-ready, family, over-60 and premium plans cost more.
Pre-existing conditions may affect acceptance, exclusions or underwriting. Always answer medical questions accurately.
Each family member’s age and medical history can affect the final price for the household.
Start date and payment frequency can affect how the policy is issued, especially if you need a certificate for a visa.
How to choose
The best Sanitas plan is the one that matches your real situation, not simply the one with the lowest monthly price.
Quick answers to the most common questions about comparing Sanitas health insurance plans in Spain.
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