All Sanitas Health Insurance Plans — Compare & Choose

Only Sanitas Residents (from €67.76/month) and Sanitas Residents Platinum (from €107.23/month) are officially certified for NLV and DNV visa applications. These are the only two Sanitas plans that fully meet all Spanish consulate requirements, including the mandatory repatriation of remains coverage. No other Sanitas plan qualifies — not Internacional Residents, not International Students, and not any of the Más Salud, Profesionales, Top Quantum, or Premium plans. If a consulate accepts another plan, it is an exception and not guaranteed to be accepted again at renewal.

Sanitas Internacional Residents is the plan designed for this situation. It accepts a valid passport as your only identity document and allows payment by international credit or debit card — no NIE, no Spanish bank account needed. This makes it ideal for people who have just arrived in Spain or are applying from abroad. Once you obtain your NIE and open a Spanish bank account, you can upgrade to a standard Residents plan. Your coverage history transfers and waiting periods do not restart.

Sanitas Accede is the most affordable entry point at from €22.10/month. It gives you access to the full Sanitas GP and specialist network plus emergency hospital cover, with a small copay per visit. Sanitas Avanza (from €33.60/month) adds full hospitalisation. If you specifically need NLV or DNV visa-approved coverage, the lowest qualifying option is Sanitas Residents from €67.76/month — no cheaper Sanitas plan meets the visa requirements.

With a copay plan you pay a small fee each time you use a service — typically €1–€6 per GP visit or specialist consultation. The monthly premium is lower, but you have an out-of-pocket cost at each appointment. With a no-copay plan (such as Más Salud sin Copay, Profesionales No Copay, or Top Quantum), all covered services are completely included in your fixed monthly premium — you pay nothing extra when you visit a doctor. No-copay plans cost more per month but give you total cost predictability. Most expats prefer no-copay once they settle in, especially if they visit the doctor regularly.

Four Sanitas plans include reimbursement for care received outside the Sanitas network: Top Quantum reimburses 80% of eligible costs; Más 90,000 reimburses 70% up to a €90,000 annual limit; Premium 500,000 provides worldwide reimbursement up to €500,000 per year; and Residents Platinum includes worldwide emergency reimbursement as part of its premium tier. These plans are popular with expats who want the security of the full Sanitas network but also access to specialists or clinics outside it.

Several EU countries (such as Germany, the Netherlands, France, and Belgium) require comprehensive private health insurance as part of residency or long-stay visa applications. The plans most commonly accepted are comprehensive no-copay plans without coverage limits: Sanitas Más Salud sin Copay, Más Salud Familias sin Copay, Más 90,000, and Premium 500,000. Requirements vary significantly by country and consulate, so we always recommend checking the specific requirements with the relevant embassy before choosing your plan. Our team can help you confirm which plan letter meets the stated requirements.

Sanitas does provide coverage for pre-existing conditions, but they must be declared honestly during the application. Some conditions may have an initial waiting period or be subject to a premium loading. Emergency care for pre-existing conditions is generally covered from day one. Deliberately withholding information about pre-existing conditions can result in claim rejections later. Our team will guide you through the declaration process and advise on how different conditions are typically treated by Sanitas underwriters. There is no additional charge for getting this advice — we want you to be correctly covered from day one.

Yes. Sanitas offers multi-person pricing for policies covering partners, spouses, children, and other family members. Adding a second adult to a policy typically reduces the per-person cost. Children are often covered at a reduced rate depending on their age and the plan chosen. The Más Salud Familias plans are specifically built around family pricing structures and include paediatric care, maternity, and family discounts built into the premium. Contact us with all the ages in your family and we will calculate the best combined price — one policy covering everyone is usually more cost-effective than separate individual policies.

Blua is Sanitas's digital health platform and is included with all standard Sanitas health plans. It provides video consultations with GPs and specialists, prescription management, chronic condition monitoring, and health coaching. English-speaking doctors are available through Blua — you can select your preferred language at the start of the consultation. Appointments can typically be booked within minutes, 24 hours a day. For expats who are not yet fluent in Spanish, Blua is especially useful as it removes any language barrier from day-to-day healthcare.

You can upgrade or change your Sanitas plan at the annual renewal date, which is the standard route. Moving from a lower to a higher tier — for example from a copay plan to a no-copay plan, or from Residents to Residents Platinum — is straightforward at renewal. In some circumstances, mid-year upgrades are also possible, particularly if your situation changes (for example, obtaining NIE and moving from Internacional Residents to standard Residents). Some plan changes may affect specific treatment waiting periods. Contact our team and we'll advise the best route and timing at no charge.

Standard Sanitas plans typically activate within 24–48 hours of your application being processed. Emergency cover begins from the policy start date. Some non-emergency services carry a standard initial waiting period — typically 30 days for most consultations and 6 months for maternity — but this varies by plan. For NLV and DNV visa purposes, your official Sanitas insurance certificate displays the policy start date, and this is the date recognised by Spanish consulates. We can issue same-day certificates in most cases when there is an urgent visa application deadline.

The documents required depend on which plan you choose. For Sanitas Residents and Residents Platinum you need your NIE number, a Spanish address, and Spanish bank account details for direct debit. For Internacional Residents you need only a valid passport and an international payment card — nothing else. For all plans you will need your date of birth, basic contact details, and (if applicable) details of any pre-existing health conditions. Our team handles the entire application on your behalf — you send us the details, we do the paperwork, and the certificate arrives directly to your email. No need to visit any office.