Couples moving to Spain often arrange health insurance together, whether for everyday private healthcare, EU residency or a non-EU visa. This guide explains how cover works for two people, when a family plan or two policies make sense, and how mixed ages or health are handled — with a personalised quote rather than a fixed price.
Who for
This page is for couples — married, partners or civil partners — arranging private health insurance in Spain, whether you are moving together, already resident, retiring to Spain, or applying through a visa or residency route.
How
Cover is arranged per person, so a couple can be insured under one family arrangement or as two individual policies. Each partner is assessed individually through the health declaration, so one partner's age or medical history does not necessarily affect the other. We work out the most suitable structure and prepare a combined quote.
Plan vs two
A combined family arrangement can be simpler to manage, while two individual policies can suit couples with very different ages, health or cover needs. Both can use no-copay Más Salud or a copay option. The right choice depends on your circumstances — we compare both.
For example, one partner may prefer a broader no-copay plan while the other may be better suited to a different structure because of age, visa requirements or medical history. Comparing both options can avoid paying for the wrong cover or assuming both partners need the same policy.
Mixed ages
It is common for partners to differ in age or health. The general age picture for a new application (confirm current terms):
| Sanitas plan | Typical age for a NEW application | Notes |
|---|---|---|
| Sanitas Único | Designed for 60+ — no stated upper contracting age in many current cases | Generally no health questionnaire, subject to current terms |
| Sanitas Más Salud / Más Salud Familias | Commonly up to 75 for new applicants | Health declaration applies, subject to current terms |
| Sanitas Residents | Commonly up to 75 for new applicants | For non-EU visa / residency routes, subject to current terms |
| Sanitas Residents Platinum | Maximum contracting age of 64 | Broader / international-style cover — check current terms |
Age limits matter most at the point of application. Once a Sanitas policy has been accepted, contracted and paid, many plans continue without a maximum permanence age — reaching 75, for example, does not automatically cancel a policy you already hold — provided the policy stays active and its terms are met. These figures are a general guide only and should be confirmed against the current Sanitas tariff before buying.
Retired couples
Many couples move to Spain to retire. Older partners may suit Sanitas Único (designed for 60+, generally no questionnaire), while younger partners may use Más Salud. See health insurance for retirees and health insurance over 60.
Visa
If your move to Spain involves a non-EU visa or residency route (for example the Non-Lucrative Visa or Digital Nomad Visa), the cover usually needs to be visa-suitable, so Sanitas Residents, Residents Platinum or another suitable Sanitas option may need to be reviewed. EU citizens registering residency generally use no-copay Más Salud cover instead. These general pages cover everyday private healthcare; we check the right route for your situation.
For a non-EU visa, each partner usually needs to be named on visa-suitable cover and the certificate; EU couples registering residency generally use no-copay Más Salud.
Pre-existing
Each partner should declare any medical history, medication or previous treatment where requested. Having a condition or taking medication does not automatically mean a refusal. Each case is assessed individually through the health declaration and underwriting, and the outcome can be standard terms, an exclusion, a request for more information, or a decline. Nothing is guaranteed, so a personalised review is essential and you should never cancel existing cover until a new policy is confirmed.
Cost
There is no single fixed price — it depends on both partners' ages, the plan and cover level, copay vs no-copay, and any medical history. We prepare a personalised quote covering both of you.
Next steps
Continue with the pages most relevant to you as a couple:
Important information
Tell us both partners' ages, any medical history, your location in Spain and whether a visa or residency route is involved, and we will compare the suitable Sanitas options and prepare a combined quote. Please check the actual current policy terms and your personal conditions before purchasing or using any Sanitas policy. Policies change and individual terms can vary.
We compare the best structure for two, in English, with no obligation.
FAQs
Common questions about health insurance for couples moving to Spain. Each partner is assessed individually — always confirm current terms.