🇪🇸+34 868 290 730 🇬🇧0203 925 8884 🇺🇸+1 646 222 5288 +34 632 93 51 54
📲 Call Back WhatsApp
Mi Sanitas
Call Me Back › Get a Quote ›
Expert Guide 2026 — 3000+ Words

Best Health Insurance in Spain for Expats, Visa Applicants and Residents

Looking for the best health insurance in Spain? The right Sanitas policy depends on why you need cover. Visa applicants normally need full no-copay health insurance with the correct certificate, while residents already living in Spain may want private healthcare access, family cover, digital doctors, dental options or lower monthly premiums. This guide explains the main Sanitas options for expats, retirees, families, students and visa applicants.

8 Best-For Categories No Waiting Periods English Support 24/7 Same-Day Certificates No NIE Required
View Best Plans ↓ Get a Free Quote
Our Evaluation Criteria

How We Choose the Best Plans

We evaluate every Sanitas plan based on value for money, visa approval status, coverage breadth, customer support, and suitability for different expat profiles.

1

Coverage Quality

Hospitalization, emergency care, specialist access, and preventive services without unreasonable waiting periods.

2

Value for Money

Monthly premium, deductibles, and out-of-pocket costs relative to coverage breadth and network quality.

3

Visa Compliance

NLV, DNV and student visa requirements, plus EU residency registration where private cover is required or preferred. Certificate turnaround time and consulate requirements.

Best for Visa Applicants: Sanitas Residents

For expats applying for a Spanish visa, Sanitas Residents is usually the first plan to check. It is designed for international applicants and provides the full no-copay cover most visa routes expect — including the NLV and DNV. No copayments, no waiting periods, full Sanitas network access and same-day English certificates make it the standard choice for visa-suitable cover.

Prices shown on this page are indicative starting prices and depend on age, province, start date, underwriting, payment frequency and the current Sanitas tariff. We confirm the exact price before you apply.

VISA PLAN
From€67.76/month
✓ NLV Approved ✓ DNV Approved ✓ Over-35 Students No Copay Day 1 Cover

Sanitas Residents

The expat health insurance plan designed for Spain — no copay, no waiting periods, and meets the private health-insurance requirements for many Spanish visa routes including the NLV and DNV. Also used by over-35 students and certain residency situations where a full no-copay policy is required.

  • ✓No copayments on any consultation or service
  • ✓No waiting periods — full cover from day 1
  • ✓Hospitalisation, surgery & specialist care
  • ✓Repatriation to country of origin
  • ✓Accepted for Spanish visa and residency applications
  • ✓Certificate in English & Spanish — same day
  • ✓Dental 21 included free
  • ✓No NIE number required to apply
  • ✓Pay by SEPA or international credit card
🌍 Blua Multilingual Digital Health: Find doctors who speak your language, book appointments & consult by video — all in English. Learn more →
View Plan Details Get a Quote

Best Premium Visa Cover: Sanitas Residents Platinum

For expats who want the broadest cover, Sanitas Residents Platinum is the flagship option. It includes everything in Residents plus worldwide emergency cover, Dental Milenium dental care and pharmacy benefits, subject to policy terms. Note that Platinum has a lower maximum age at application than Residents, so for older applicants we check eligibility first.

VISA PLAN
From€107.23/month
✓ NLV Approved ✓ DNV Approved No Copay Platinum Worldwide Day 1 Cover

Sanitas Residents Platinum

The flagship expat plan — premium no-copay with worldwide protection, Dental Milenium and pharmacy, exceeding all BLS & consulate requirements.

  • ✓No copayments — zero out-of-pocket
  • ✓No waiting periods — full cover from day 1
  • ✓Worldwide emergency & repatriation included
  • ✓Dental Milenium premium plan included free
  • ✓Pharmacy cover & specialist referrals included
  • ✓Preventive health checks & screenings
  • ✓Certificate in English & Spanish — same day
  • ✓No NIE number required to apply
  • ✓Pay by SEPA or international credit card
🌍 Blua Multilingual Digital Health: Find doctors who speak your language, book appointments & consult by video — all in English. Learn more →
View Plan Details Get a Quote

Best for Residents Already in Spain: Sanitas Más Salud

Already living in Spain with your residency sorted? Sanitas Más Salud Sin Copay offers excellent value for residents. Full Sanitas network access with no copayments, and comprehensive cover including hospitalisation and dental — subject to policy terms. A strong fit when you no longer need a visa-specific policy.

From€82.94/month
No Copay

Sanitas Más Salud No Copay

Full Sanitas network, no copayments — comprehensive private health insurance for expats in Spain

  • ✓No copayments on any consultation
  • ✓English-speaking help choosing and arranging cover
  • ✓Repatriation included
  • ✓Dental 21 included free
  • ✓Blua telemedicine in English 24/7
View Plan Get a Quote

Best for Students: Sanitas International Students

Sanitas International Students is designed for international students studying in Spain — no-copay cover from €42.65/month, one of the most affordable comprehensive options. For most eligible student applicants aged 14–35 on study stays of 3–14 months, this is usually the first plan to check. Students over 35, or on longer stays, are normally guided towards a general visa-suitable Sanitas policy instead.

From€42.65/month
No CopayStudents

Sanitas International Students

Student health insurance in Spain — designed for international students, exceeds all Spanish visa legislation requirements

  • ✓Accepted for student visa applications
  • ✓No copayments — full Sanitas network
  • ✓Hospitalisation included
  • ✓Repatriation included
  • ✓Blua telemedicine in English 24/7
View Plan Student Guide

Best Lower-Cost Access: Sanitas Accede

Sanitas Accede is a lower-cost Sanitas option for people who want private healthcare access in Spain and are comfortable with copayments — you pay a small fee per use of many services, which keeps the monthly premium down. It is not the usual route for NLV, DNV or student visa applications, because visa applicants normally need full no-copay cover. We confirm exactly what is included before you apply.

From€22.65/month
With Copay

Sanitas Accede

A lower-cost Sanitas option with copayments — private healthcare access for those comfortable paying per use

  • ✓Full Sanitas network in Spain
  • ✓English-speaking help choosing and arranging cover
  • ✓Emergency care covered
  • € Copayment per use of many services
  • ✕ Not valid for NLV / DNV visa
View Plan Get a Quote

Best for Self-Employed: Sanitas Profesionales Plus

Sanitas Profesionales Plus is designed for autonomous workers, freelancers, and business owners in Spain. It offers professional-grade coverage with flexible payment options, and many plans are tax-deductible as a business expense in Spain. Starting from €49.30/month, it covers hospitalization, emergency care, and includes business-friendly features.

From€49.30/month
Business

Sanitas Profesionales Plus

Health insurance for self-employed workers and freelancers — tax-deductible and flexible

  • ✓Full Sanitas network in Spain
  • ✓English-speaking help choosing and arranging cover
  • ✓Flexible payment options
  • ✓Tax-deductible as business expense
  • ✓Optional dental and pharmacy add-ons
View Plan Get a Quote

Best for Wider International Cover: Sanitas Premium 500K

Sanitas Premium 500K is designed for expats who travel frequently or maintain ties to multiple countries. It provides comprehensive coverage in Spain plus worldwide reimbursement up to €500,000 annually. No copayments in Spain, and emergency care is covered when travelling, with repatriation options — subject to policy terms.

From€94.00/month
No CopayWorldwide

Sanitas Premium 500,000

Worldwide health insurance — comprehensive Sanitas cover in Spain plus global reimbursement at any clinic

  • ✓No copayments within Spain
  • ✓€500,000 annual cover limit
  • ✓Worldwide reimbursement included
  • ✓Repatriation included
  • ✓Blua telemedicine in English 24/7
View Plan Get a Quote

Best for Families Living in Spain: Sanitas Más Salud Familias

Sanitas Más Salud Familias is one of Sanitas's most popular family health insurance options. It covers parents and children in one affordable policy with no copayments. At €60.90/month, it includes hospitalization, specialist care, emergency coverage, dental cover, and telemedicine access for the entire family.

From€60.90/month
No CopayFamily

Sanitas Más Salud Familias

Most popular family health insurance plan in Spain — comprehensive cover for the whole family

  • ✓Full Sanitas network for the whole family
  • ✓No copayments on any consultation
  • ✓English-speaking help choosing and arranging cover
  • ✓Wide range of available add-ons
  • ✓Blua telemedicine in English 24/7
View Plan Get a Quote

Quick Comparison Summary

Compare the key features of the 8 best health insurance plans for different expat profiles.

Plan NameMonthly PriceCopayVisa ApprovedWorldwide
Sanitas Residents€67.76NoYes (NLV/DNV/Student)Emergency Only
Residents Platinum€107.23NoYes (NLV/DNV/Student)Full Coverage
Más Salud No Copay€82.94NoNoEmergency Only
International Students€42.65NoYes (Student)Emergency Only
Sanitas Accede€22.65Yes (€15-25)NoNo
Profesionales Plus€49.30YesNoEmergency Only
Premium 500K€94.00NoNoFull Coverage
Más Salud Familias€60.90NoNoEmergency Only

Why Choose Sanitas?

Sanitas is one of Spain's largest private health insurers and part of the global Bupa group — trusted by millions of customers. Rather than comparing brands, here is how Sanitas lines up against what expats in Spain actually need.

What expats usually need — and how Sanitas can help
Visa-suitable coverSpecific no-copay Sanitas options can be prepared for visa and residency applications
English-speaking supportSupport available in English before and after taking out the policy
No NIE at application stageSome Sanitas visa policies can be arranged before the NIE is issued
Fast documentationCertificates can often be prepared quickly once the policy is approved and paid
Private healthcare accessAccess to Sanitas doctors, specialists, clinics and hospitals in Spain
Digital healthcareBlua digital healthcare options are available with selected plans
Family coverOptions for couples, children and family groups
Over-60 guidanceThe right route depends on visa status, age and medical declaration

Part of the Global Bupa Group

Sanitas is a member of the Bupa group — one of the world's largest international health insurers. That means financial strength, global claims handling, and a commitment to quality care.

500K+ Expats Covered Worldwide
58K+ Sanitas healthcare professionals
24/7 English Language Support
70+ Years of Sanitas in Spain
SHI

Written by the Spanish Health Insurance team

English-speaking Sanitas insurance specialists helping expats, visa applicants and residents in Spain compare Sanitas plans and arrange visa-suitable cover, certificates and renewals. Plan details are checked against the current Sanitas tariff — last reviewed July 2026.

Frequently Asked Questions

Common questions about health insurance in Spain and Sanitas plans.

What is the cheapest health insurance for expats in Spain?

Sanitas Accede is the most affordable at €22.65/month with copayments. If you want no copayments, Sanitas International Students at €42.65/month is the best value. For families, Sanitas Más Salud Familias at €60.90/month covers everyone without copayments.

Which Sanitas plan is best for NLV visa applicants?

Sanitas Residents is the standard choice for NLV visas — it's designed to meet Spanish consulate requirements, provides same-day English certificates, and requires no NIE number. For maximum coverage, Sanitas Residents Platinum adds worldwide protection and Dental Milenium premium care.

Do Sanitas plans cover dental and vision?

Yes, most Sanitas plans include Dental 21 (basic dental care) for free. Premium plans like Sanitas Residents Platinum include the Dental Milenium premium plan. Vision coverage and additional dental services can usually be added as optional extras.

Can I get a Sanitas plan without a NIE number?

Yes. Sanitas Residents and all visa-approved plans do not require a NIE number to apply. You can pay by SEPA bank transfer or international credit card. This makes them ideal for expats who haven't yet obtained their NIE.

What is the difference between copay and no-copay plans?

No-copay plans have zero out-of-pocket costs per consultation — you pay only the monthly premium. Copay plans have lower monthly premiums but charge €15-25 per doctor visit. No-copay plans typically offer better value if you visit doctors regularly.

Is repatriation insurance included?

Yes. Repatriation to your country of origin is included in all major Sanitas plans, including visa-approved and comprehensive plans. This covers emergency medical transport if you need to return home for treatment.

Do Sanitas plans have waiting periods?

No. All major Sanitas plans provide zero waiting periods with full coverage from day 1 of enrollment. This includes hospitalization, surgery, and specialist care — perfect for expats who need immediate protection.

What is Blua telemedicine?

Blua is Sanitas's multilingual digital health service offering video consultations with English-speaking doctors available 24/7. It's included free in most Sanitas plans, allowing you to consult doctors, get prescriptions, and access specialists without office visits.

Can I use Sanitas worldwide?

Most Sanitas plans cover emergency care worldwide. For permanent international coverage, Sanitas Premium 500K offers comprehensive worldwide protection with up to €500,000 annual cover and emergency repatriation included. Check individual plan terms for specific coverage areas.

How do I get a quote for Sanitas health insurance?

Fill out the quote form below with your age, location, and coverage needs. You can also call our advisors or email for a personalized quote. Most quotes are provided within 24 hours with no obligation. Get a Quote →

Get Your Free Sanitas Quote

Tell us your situation and we'll send you an exact price based on your age, province, and chosen plan. No obligation, no hard sell.

  • Exact price based on your age & province
  • All 8 best plans compared
  • English-speaking advisors
  • Cover starts on the date you choose
  • Same-day response

Request a Quote

Applicant 1 (You)

Prefer to Speak with Someone?

Our health insurance advisors are available Monday-Friday 9am-6pm CET

Request a Callback
Sanitas — Parte de Bupa

About Sanitas Health Insurance

Sanitas has been Spain's leading health insurer for over 90 years and is part of the global Bupa group — one of the world's largest international health organisations. With 5 million+ customers in Spain, Sanitas combines the resources of a global insurer with deep local expertise.

Sanitas operates 4,500+ partner clinics and owns hospitals across Spain, employing thousands of doctors and healthcare professionals. For expats, this means same-day English certificates, no NIE required, and coverage designed to meet Spanish consulate requirements — from day one.

Learn more about why expats choose Sanitas →

90+ years in Spanish healthcare
4,500+ partner clinics
5M+ customers in Spain
58,000+ Sanitas professionals

Visa Insurance

Non-Lucrative Visa InsuranceDigital Nomad Visa InsuranceEU Residency InsuranceStudent Visa InsuranceRepatriation CoverVisa Certificate GuideInsurance Without NIE

Compare Plans

Sanitas Residents PlatinumAll 15 Sanitas PlansSanitas Más SaludSanitas Top QuantumSanitas MundiPrice Guide 2026Copay vs No-Copay Guide

Get Started

NLV QuoteDNV QuoteGeneral QuoteAbout Blua TelemedicineEnglish-Speaking DoctorsContact Us