Complete Sanitas coverage with zero copayments on every visit. Essential for NLV and DNV visa applications. Cover that is active from the policy start date.
No-copay (sin copago) health insurance means you pay no fees per medical visit, consultation, or emergency care. With Sanitas no-copay plans, your insurance covers the full cost of care at any hospital or clinic in the Sanitas network — no additional charges at the point of service.
The plans below are the only Sanitas policies accepted by Spanish consulates and BLS International offices for Non-Lucrative Visa (NLV), Digital Nomad Visa (DNV), and all other Spanish residency visa applications. If your goal is to obtain or renew a Spanish visa, these are the only two plans that will be accepted.
Essential no-copay plan for NLV and DNV visa applications
Premium no-copay plan with enhanced coverage and direct billing
Choose from 8 comprehensive no-copay options designed for expats, visa applicants, and residents in Spain.
Essential no-copay plan for NLV and DNV visa applications
Premium no-copay plan with enhanced coverage and direct billing
Best-value no-copay plan for individuals and couples
Family coverage with no copayments — excellent for household applications
Premium comprehensive coverage with enhanced benefits
Top-tier unlimited coverage with maximum benefits and flexibility
Expat-focused plan with European cover and repatriation
Budget-friendly no-copay plan for international students
For visa applications and peace of mind, no-copay plans are the clear choice. Here's what you need to know:
| Feature | No-Copay Plans | Copay Plans |
|---|---|---|
| Cost Per Visit | ✓ €0 | €4–€10 per visit |
| Annual Copay Cap | ✓ No limit — unlimited free visits | Typically €360–€400 annual cap |
| Visa Approved | ✓ Yes — required for NLV/DNV | ✕ NOT accepted for visas |
| Monthly Premium | €48–€100+ (varies by plan) | ✓ €22–€79 (lower premium) |
| Best For | ✓ Visa applicants, frequent visitors | Residents saving on premiums |
| Hospital Stays | ✓ Fully covered, no copay | ✓ Fully covered, no copay |
Learn more about health insurance requirements and visa applications in Spain.
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.
Your questions about no-copay health insurance in Spain, answered.
A copayment (or copay) is a fixed amount you pay per medical visit or service. For example, €5 per doctor visit or €10 per emergency room visit. With no-copay insurance, you pay €0 — your insurance covers the entire cost.
Spanish consulates want to ensure that visa applicants will not face financial hardship if they need medical care. No-copay plans guarantee full coverage without unexpected costs, demonstrating that you can afford healthcare during your stay in Spain.
Sanitas Residents is the most popular choice for NLV and DNV applications — it meets the private health-insurance requirements for many Spanish visa routes and offers good value. Only Sanitas Residents and Sanitas Residents Platinum are accepted for NLV and DNV visa applications — Más Salud is not.
Absolutely. No-copay plans are ideal for residents who want the peace of mind of zero per-visit costs. Many residents prefer no-copay plans despite the slightly higher monthly premium, because they avoid accumulating copay charges throughout the year.
Yes — all Sanitas no-copay plans include full hospital coverage. There are no copayments for hospitalisation, surgery, or emergency care. You pay zero additional costs when you're admitted to hospital.
No. As long as you visit a Sanitas-affiliated clinic or hospital, there are no copayments. Sanitas has 2,500+ facilities across Spain. If you visit a non-Sanitas private facility without prior authorisation, you may face out-of-pocket costs.
This applies only to copay plans — no-copay plans don't have this issue. But if you're curious: copay benefits don't roll over. Your annual copay cap (e.g., €360) resets each year, but unused amounts don't carry forward.
Yes. Family no-copay plans like Sanitas Más Salud Familias cover all household members — spouse, children, and dependents — at one monthly price. Everyone gets zero-copay coverage.
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.