Affordable Sanitas coverage from €22.10/month. Small copay per visit keeps premiums low. Perfect for residents already in Spain with stable healthcare needs.
Copayment (copay) health insurance means you pay a small fixed fee per medical visit or service, while your insurance covers the rest. For example, you might pay €5 per doctor consultation or €10 per emergency visit. This allows lower monthly premiums compared to no-copay plans.
Copay plans are ideal for:
Choose from 8 affordable copay options. Premiums start from just €22.10/month.
Most affordable copay plan — perfect for budget-conscious residents
Mid-range copay plan with enhanced benefits and specialist access
Enhanced coverage with reduced copayments and higher benefit limits
Specialist copay plan designed for people over 60 years old
Family copay coverage with reduced per-visit costs for everyone
Designed for self-employed professionals and freelancers
Enhanced copay plan for professionals with premium benefits
Copay coverage in Spain plus reimbursement coverage in the USA
Here's how copayments typically work with Sanitas plans in Spain.
Let's say you visit the doctor 10 times per year and a specialist 2 times.
| Scenario | Sanitas Accede (Copay) | Sanitas Más Salud (No-Copay) |
|---|---|---|
| Monthly Premium | €22.10 × 12 = €265.20/year | €59.90 × 12 = €718.80/year |
| Doctor Visits (10×) | €5 × 10 = €50 | €0 |
| Specialist (2×) | €8 × 2 = €16 | €0 |
| Total Annual Cost | €337.80 | €995.28 |
| Savings with Copay | €657.48 per year (66% cheaper) | |
Note: This example shows lower usage. Frequent visitors to the doctor may reach the €360 copay cap quickly and then pay nothing for the rest of the year, making copay plans even more attractive.
Not sure if copay is right for you? Compare with no-copay plans or visa-approved options.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — with the largest private medical network in the country.
Get answers to the most common questions about copayment health insurance in Spain.
You pay a small fixed amount per service (€4–€10 for a doctor visit, for example) plus your monthly premium. Your insurance covers the rest. Most plans cap total copays at €360–€400 per year — after that, remaining visits are free.
No. Spanish consulates specifically require no-copay insurance for Non-Lucrative Visa (NLV) and Digital Nomad Visa (DNV) applications. Copay plans will be rejected. You must use a no-copay plan for visa purposes.
Yes — all hospital stays, surgery, and emergency care are 100% covered with no copayments. Copays only apply to outpatient visits (doctor visits, specialist consultations, tests). Hospitalisation is always fully covered.
Once you've paid your annual copay cap (typically €360–€400), all remaining doctor visits and specialist consultations for the rest of that calendar year are completely free. The cap resets on January 1st each year.
It depends on the plan. Some plans charge a reduced copay (€10–€20) for emergency room visits, while others may have different rates. Always check your specific plan details. But emergency ambulance and emergency hospital admission are fully covered with no copay.
If you're in excellent health and rarely visit the doctor, Sanitas Accede (from €22.10/month) is the cheapest option. If you need frequent care, Sanitas Más Salud Plus or Sanitas Avanza may be better value because they have lower per-visit copays. Compare based on your expected doctor visits.
Many Sanitas copay plans include preventive care (annual check-ups, vaccinations, screenings) at no copay. Check your specific plan details, as this varies. It's one of the benefits that can offset the cost of the higher premiums.
Yes. You can change plans during your renewal period or request a change mid-year (though this may require a new waiting period). If you're planning to apply for a visa, you should switch to a no-copay plan before submitting your application.
Tell us about your situation and we'll send you an exact price — or suggest the best alternative if there's a better fit. No obligation, no hard sell.