Applying takes about 15 minutes. Timing then depends on Sanitas’s review, and your cover starts on the date you choose, once the application is accepted and payment is received.
Here is what happens at each stage. Our English-speaking team can help at every step, Monday to Friday, 9:00–18:00 Spain time, and on WhatsApp outside office hours when available.
Applying for a visa? Tell us your consulate appointment or move date at the start, so we can plan your start date and certificate around it.
Get your quote
Tell us everyone’s age, where you’ll live, your start date and whether the cover is for a visa. We send a personalised price and explain the plans that fit.
Choose your plan
Each plan lists what’s included, copayments and any waiting periods. For visa applications we guide you to the Visado versions.
Complete the application
Personal details, passport details and your address in Spain or abroad. It takes about 10–15 minutes. No NIE is needed.
Health declaration
Answer the health questions honestly. Sanitas reviews the declaration; timing depends on the case.
Payment
Payment is taken once Sanitas has accepted your application. For the Visado plans used for visa applications, the first year is paid upfront; for other plans we confirm the payment options with your quote.
Your policy and certificate
Your cover starts on the agreed date. Once Sanitas has accepted your application and received payment, we can help you obtain your Sanitas certificate.
What You’ll Need
Details to Have Ready
Most people have everything to hand. You don’t need an NIE or a Spanish bank account.
Personal details
Full name as shown in your passport, date of birth, email, phone number and nationality, for each person to be insured.
Passport information
Passport number, expiry date and issuing country. Your passport is enough to apply; you can add your NIE to the policy later.
Health information
Current conditions and medications, and significant treatment or hospital admissions, for the health declaration.
Health Declaration
Understanding the Health Questions
Sanitas uses the health declaration to decide whether to accept the application and on what terms. Your answers are confidential.
Pre-existing conditions: tell us about them in the declaration. Depending on your answers, Sanitas may accept a condition as standard, apply a loading, exclude it or decline the application, and it confirms the outcome before you pay.
What Sanitas asks about
Medical conditions you’re currently managing
Medications you take
Surgery or hospital stays in recent years
Chronic conditions such as diabetes, hypertension or asthma
Mental health conditions, if applicable
Lifestyle questions, such as smoking
Be complete and honest. Undeclared conditions can affect your cover and claims later. If Sanitas needs more information, such as medical reports, we’ll tell you exactly what’s needed.
Timing
From Application to Active Cover
Straightforward applications
Often reviewed quickly, though the exact timing depends on Sanitas’s review. Have a deadline? Tell us your visa appointment or move date and we’ll prioritise your application.
Applications with health conditions
These can take longer, and Sanitas may ask for supporting documents such as medical records or specialist reports. We’ll keep you updated at each stage.
Urgent visa applications
Contact us as early as you can with your appointment date and we’ll prioritise your application. Approval depends on Sanitas’s review. Once Sanitas has accepted your application and received payment, we can help you obtain your Sanitas certificate.
After you’re accepted
You can use Mi Sanitas, in English, for your digital card, the doctor directory and your policy documents. Your cover is active from the start date even before any physical card arrives. Using Mi Sanitas in English →
Changes later
Contact our team and we’ll explain how to make a change. You can update personal details at any time; adding a family member or changing plan may need a new application or health declaration and is subject to Sanitas’s acceptance.
Visa Applications
Applying for a Visa
For a visa or residency application, Sanitas offers Visado versions of its plans, without copayments. Once Sanitas has accepted your application and received payment, we can help you obtain your Sanitas certificate.
Each consulate sets its own requirements and makes its own decision. Tell us your visa type and consulate before you apply, and we’ll explain which plan and documents to use.
Other routes, including EU family residence, are handled case by case by an adviser. Talk to an adviser →
Good to Know
No NIE, No Address, Family Included
No NIE yet
Apply with your passport number, expiry date and issuing country. When your NIE arrives, send it to us and we’ll add it to your policy.
No Spanish address yet
Give your planned address, your temporary accommodation or your current home address, and update it once you’ve settled.
Applying as a family
Your partner and children can apply with you on the same policy. Each person completes the health declaration, and prices depend on each person’s age.
Avoid delays: answer every health question fully, enter passport details exactly as shown, double-check your email and phone, and apply as early as you can if you have a visa date.
Your Questions
Application FAQs
Answers about applying, timing, payment and documents.
About 15 minutes to complete the full application, on your phone or computer. If you would like a quote first, we can send one before you apply.
Timing depends on the application and underwriting. Straightforward cases are often reviewed quickly; if we need more information we will come back to you with clear next steps. Once Sanitas has accepted your application and received payment, we can help you obtain your Sanitas certificate.
No. Your passport number is all we need. Many people apply before getting their NIE, and you can add it to the policy later.
Yes. You can include your partner and children in the same application and policy.
Tell us about it in the health declaration. Depending on your answers, Sanitas may accept the condition as standard, apply a loading, exclude it or decline the application, and it confirms the outcome before you pay.
You choose your preferred start date when you apply. Your cover starts on the date confirmed in your policy, once Sanitas has accepted your application and received your payment. For the Visado plans used for visa applications, cover starts on the 1st of the month you choose.
Yes. Request a free, no-obligation quote using the form on this page, by WhatsApp or by phone. It shows your price before you commit.
You can pay by credit or debit card, including international cards. For the Visado plans used for visa applications, the first year is paid upfront. For other plans, we confirm the payment options with your quote. Payment is taken once Sanitas has accepted your application.
Yes. Provide your planned address in Spain, your temporary accommodation or your current home address, and update it once you’ve found a home.
Contact us as early as you can with your visa appointment date and we’ll prioritise your application. Approval depends on Sanitas’s review. Once Sanitas has accepted your application and received payment, we can help you obtain your Sanitas certificate.
Yes. Contact our team and we’ll explain how to make the change. You can update personal details at any time, while changes such as adding a family member or changing plan may need a new application or health declaration and are subject to Sanitas’s acceptance.
It depends on your health declaration. If Sanitas needs more information, we’ll ask for specific documents, typically medical records or specialist reports for pre-existing conditions. For straightforward applications, nothing additional is usually needed.
Free Quote
Get Your Free Quote Today
Not ready to apply yet? Ask for a personalised quote first. There’s no obligation.
Personalised price for everyone you want to insure
Reply during office hours, Monday to Friday
Native English-speaking advisers
No commitment required
Help with visa documentation included
Who You Are Talking To
Spanish Health Insurance, exclusive agent of Sanitas
We are an exclusive agent of Sanitas, S.A. de Seguros, registered with the DGSFP under number C0320Y2155969D, and recognised Sanitas International Experts. Your policy is issued by Sanitas.
