Most health insurance plans in Spain make you wait 3–12 months before your cover kicks in. These plans don't. Cover is active from your very first day — and they meet 100% of consulate requirements for the Non-Lucrative Visa, Digital Nomad Visa, and all other Spanish visas.
From €67.76/month — exact price based on your age & province
The consulate checks that your cover is active immediately. A policy with waiting periods means your specialist, hospital and surgery cover doesn't start for months — which fails the requirement.
You buy a policy in January to apply for your NLV. Your policy has a 3-month waiting period for specialist consultations and a 6-month waiting period for hospital admissions. Your policy start date is January 1st — but you have no real cover until April or July. The consulate rejects your application because your insurance does not provide the full cover required from the start of your stay in Spain.
| Requirement | Standard Plan (with waiting periods) | Sanitas Residents Plans |
|---|---|---|
| GP & specialist consultations — day one | ✗ 3-month wait | ✓ Day one |
| Hospital admissions & surgery | ✗ 6–12 month wait | ✓ Day one |
| Diagnostic tests & scans | ✗ Often delayed | ✓ Day one |
| Zero copayments | ✗ Copay required | ✓ No copayments |
| Repatriation cover | ✗ Not included | ✓ Included |
| No annual coverage limit | ✗ Annual limits apply | ✓ No limits |
| NLV & DNV visa approved | ✗ Not accepted | ✓ Fully accepted |
| Same-day policy certificate | ✗ Delays common | ✓ Available |
Spanish consulates check every one of these boxes. Sanitas Residents and Residents Platinum satisfy all of them.
Full medical cover is active from the very first day of your policy — no delays, no exclusions.
Zero copayments on every consultation, test and hospital visit. Nothing to pay at point of care.
Medical repatriation to your home country is included as standard — a specific consulate requirement.
No annual or lifetime cap on what your policy pays out. Unlimited medical cover throughout the year.
Your policy is valid for a minimum of 12 months and renews annually — required for residency applications.
Policy certificate issued in Spanish, available the same day your cover activates — ready for your consulate appointment.
Across all Sanitas plans, only these two deliver no waiting periods, no copayments, and full consulate approval. Every other plan has waiting periods that will fail the consulate check.
No other Sanitas plan, and no other insurer we know of, offers this combination of zero waiting periods, zero copayments, and full NLV/DNV visa approval. If you need insurance for a Spanish visa, the choice is between these two plans.
Every element of your cover is active from the moment your policy starts. No waiting, no exclusions, no surprises.
Unlimited GP visits with no copay. In-clinic or via Blua video platform.
All specialities covered from day one — cardiology, oncology, dermatology and more.
Hospitalisation and surgical procedures included with no annual limit.
Blood tests, MRI, X-ray, ultrasound and all diagnostics — covered immediately.
Emergency treatment in Spain — and repatriation if needed — from the first day.
Psychological and psychiatric consultations included in the full network.
Maternity consultations, scans and delivery covered (waiting period rules apply per Sanitas terms).
Access to prescriptions through Sanitas network pharmacies across Spain.
Medical repatriation to your home country — a required element for all Spanish visa applications.
We handle everything. Most clients have their policy certificate ready within 24 hours of first contact.
Tell us your age, province, and visa type. We'll give you an exact price for Sanitas Residents or Residents Platinum within hours.
Choose your start date — it can be the same day or a future date to align with your consulate appointment. Cover starts immediately.
Your policy certificate is issued in Spanish and can be available the same day. Ready to submit to your consulate.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Sanitas Residents and Residents Platinum members direct access to the largest private medical network in the country.
Tell us about your situation and we'll send you an exact price for Sanitas Residents or Residents Platinum — whichever best fits your visa type and budget. Same-day response, no obligation.
Everything you need to know about waiting periods, visa requirements and Sanitas Residents plans
A waiting period is a delay between when your policy starts and when your cover actually kicks in. Most plans make you wait 3–6 months for specialists and up to 12 months for hospital admissions. Sanitas Residents and Residents Platinum have zero waiting periods — your full cover is active on day one of your policy.
Yes. Spanish consulates require that your health insurance provides comprehensive cover from the first day of your intended stay. A policy with waiting periods technically exists but doesn't actually cover you — which fails the consulate's requirement. Applications are regularly rejected for exactly this reason.
Only Sanitas Residents (from €67.76/month) and Sanitas Residents Platinum (from €107.23/month). Both have no waiting periods, no copayments, repatriation cover, no coverage limits, and are valid for 12 months and renewable.
The consulate checks that your insurance: has no waiting periods, has no copayments, includes repatriation cover, has no annual coverage limit, is valid for at least 12 months and is renewable, and provides a certificate in Spanish. Sanitas Residents and Residents Platinum meet every one of these requirements.
Your policy certificate can be issued on the same day your cover activates. If you have an upcoming consulate appointment, let us know the date when you submit your quote request and we will make sure your certificate is ready in time.
The no waiting period applies to all standard medical conditions. Pre-existing conditions are assessed at application — Sanitas Residents plans are among the most inclusive available. Coverage of specific pre-existing conditions depends on your individual health declaration. Contact us and we'll advise based on your situation.
Both plans have zero waiting periods, zero copayments, and full NLV/DNV visa approval. Residents Platinum adds international cover worldwide, repatriation as a named benefit, and the Blua digital health platform. Residents starts from €67.76/month and is excellent for most visa applicants; Platinum starts from €107.23/month and suits those who travel internationally or want the highest tier of cover.
Yes. Both plans are 12-month policies that renew annually. When you renew your Spanish residency or visa you simply renew your insurance and obtain a fresh certificate. There's no gap in cover and no need to start a new application each time.
Your policy certificate is issued in Spanish, which is what Spanish consulates require. Our English-speaking advisors are familiar with exactly what each consulate needs and can guide you through the submission process. If a certified translation is required for your specific consulate, we can advise on how to obtain one.
Yes. You can include your partner, spouse and dependent children on the same Sanitas Residents policy. Each family member gets the same day-one cover, no copayments, and full consulate-approved benefits. Let us know how many people need to be covered when you request your quote.