Sanitas health insurance prices in Spain vary depending on your age, province, plan type, visa requirements, copayment preference, number of people covered and medical history. Online 'from' prices are useful as a starting point — but your exact premium must be calculated personally. We focus on transparent from-prices and exact personalised quotes — not short-term discounts, confusing promotional offers or first-month headline pricing.
Your final premium depends mainly on age, province, plan type, copay or no-copay structure, visa requirements, number of people covered and medical history. We focus on transparent from-prices and exact quotes rather than temporary discounts, so you know what your cover really costs.
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Personalised pricing
Sanitas health insurance can start from around €22.10 per month for entry-level private healthcare, but the final price depends on your personal details and the plan selected.
A young, healthy applicant in one province may pay a much lower premium than an older applicant in another province. A student coming to Spain may need a dedicated student policy. A Non-Lucrative Visa applicant may need Sanitas Residents. A family needs a different structure from a single person. Someone choosing no-copay cover will usually pay more than someone choosing a copay plan.
All plans
The prices below are starting prices for selected Sanitas plans. They help you compare the main pricing tiers, but they are not final quotes. Your exact premium depends on your age, province, selected plan, number of applicants, start date and underwriting.
| Tier / Use case | Sanitas plan | From price | Details |
|---|---|---|---|
| Entry-level private cover | Sanitas AccedeLowest monthly price | €22.10/month | View plan → |
| Step-up everyday cover | Sanitas AvanzaBroader cover at a low price | €33.60/month | View plan → |
| Low-copay comprehensive | Más Salud ÓptimaStronger cover with controlled cost | €34.90/month | View plan → |
| Student visa cover | Sanitas International StudentsStudents aged 14–35 coming to Spain | €42.65/month | View plan → |
| Family (entry) | Más Salud Familias PlusAffordable family cover with paediatric access | €40.01/month | View plan → |
| Family (no-copay) | Más Salud Familias Sin CopayFamily cover with no point-of-use charges | €50.79/month | View plan → |
| No-copay everyday cover | Más Salud Sin CopayPredictable healthcare costs | €59.90/month | View plan → |
| NLV / visa-focused cover | Sanitas ResidentsNon-Lucrative Visa and foreign residents | €67.76/month | View plan → |
| Premium reimbursement | Premium 500,000Higher cover limits and broader flexibility | €94.00/month | View plan → |
| Premium visa-focused | Residents PlatinumPremium foreign resident cover, often considered for DNV applicants | €107.23/month | View plan → |
From-prices only. Your exact premium depends on age, province, number of people, start date, plan version and underwriting. Some cheaper plans may not be suitable for Spanish visa applications. If you need cover for an NLV, DNV or student visa, tell us before choosing a plan. Prices are based on current from-prices and may change if Sanitas updates its tariffs — we will confirm your exact premium before you apply.
Choose a category to explore plans — each tailored to different needs and budgets. Tap or hover any card to learn more.
Pricing factors
Eight key factors that change your final Sanitas premium.
Age is one of the biggest pricing factors. A 25-year-old, a 40-year-old and a 68-year-old will usually receive very different prices, even for similar cover. If you are approaching a new age band, it can be worth requesting a quote before your next birthday.
Sanitas prices can vary by province. Healthcare costs, medical network usage and regional pricing can differ across Spain — someone in Madrid or Barcelona may not receive the same price as someone in Murcia, Alicante or a smaller province.
Entry-level plans are cheaper because they are designed for basic private access. No-copay plans cost more because you do not pay extra at the point of use. Visa-focused plans include the features and documentation required by many foreign-resident applications.
A copay plan usually has a lower monthly premium, but you pay a small amount when you use certain services. A no-copay plan costs more monthly but you do not pay extra at the point of use for covered services. For visa applicants, no-copay is normally the safer option.
Visa applicants should not choose a policy based only on price. NLV, DNV and student visa policies may need to meet specific requirements — no copayments, no waiting periods, repatriation, hospitalisation and a suitable certificate.
Pre-existing conditions are assessed case by case. The insurer may accept the application, ask for more information, apply exclusions, delay certain cover or decline the application. If you have medical history, request a quote early and answer all health questions accurately.
A single quote is not the same as a couple or family quote. Each person's age, medical history and policy needs can affect the total premium. Families should compare total household cost, not only the price per adult.
Some policies may offer different payment options — monthly or annual. For visa applicants, annual payment can sometimes make the file cleaner because it shows the policy is secured for the required period.
By situation
Different applicants need different Sanitas plans. Here's how prices and recommendations typically break down.
Students aged 14 to 35 coming to Spain to study should normally look at Sanitas International Students first. This policy is suitable for Spanish student visa applications and provides healthcare cover in Spain during the study stay.
Best for: Student visa applicants · Erasmus · language school · university · postgraduate (14–35)
NLV applicants should focus on visa-suitable private health insurance, not the cheapest general plan. Sanitas Residents is usually the main Sanitas policy to consider for NLV applicants because it is designed for foreign residents and visa processing.
Best for: NLV applicants, foreign residents, retirees needing a Spanish visa certificate
DNV applicants may need private health insurance depending on employment status and social security position. Where private insurance is required, Sanitas Residents or Residents Platinum are suitable.
Best for: DNV applicants who need private health insurance and visa-supporting documentation
Family health insurance prices depend on the number of people, ages, province and selected plan. Families should compare copay and no-copay options carefully because frequent paediatric appointments can make a low monthly premium less attractive over the year.
Best for: Couples, families with children, households relocating to Spain
Older applicants usually pay more than younger applicants and may have fewer available options. Retirees should request a personalised quote rather than relying on generic from-prices. If the policy is needed for a visa, focus on visa suitability first and price second.
Best for: Mature residents, retirees, NLV applicants over 60
Self-employed residents may want affordable private healthcare with fast access to appointments, specialists and diagnostics. Sanitas Profesionales plans can be relevant depending on whether the applicant wants copay or no-copay cover.
Best for: Freelancers, consultants, business owners, autónomos
Pricing approach
Some websites promote Sanitas discounts, limited-time campaigns or seasonal offers. These can be useful, but they can also make pricing confusing because the discount may only apply for a short period, only to certain plans, only in selected regions, or only for the first few months.
We focus on what matters more than headline offers:
A discounted policy is not automatically the best policy. For visa applicants, students, older applicants or people with medical history, the correct plan matters more than a temporary offer.
Copay vs no-copay
Usually have a lower monthly premium. You pay a small amount each time you use certain services.
Good value if: you are healthy, rarely visit doctors and do not need the policy for a Spanish visa.
Usually cost more monthly, but you pay nothing extra at the point of use for covered services.
Better for: people who use healthcare regularly, families, and visa applicants who need no-copay documentation.
Which is cheaper? Copay is usually cheaper month to month. No-copay can be better value if you use healthcare often or need visa-compliant insurance.
What's included
Your premium pays for access to the cover included in your selected policy. Depending on the plan, this may include:
Not every plan includes every benefit. Always check the exact policy before buying.
Costs to check
Even when the monthly premium is clear, you should check the full cost picture.
If the plan has copayments, ask how much you pay for GP visits, specialists, diagnostics or other services.
Some plans may include waiting periods. Visa-focused plans and student visa plans may need no waiting periods.
Check what is not covered — especially pre-existing conditions, certain treatments, dental, maternity, mental health or out-of-network care.
Dental, reimbursement, international cover or other extras may increase the price.
Your premium may change at renewal because of age, tariff changes or insurer pricing updates.
Monthly and annual payment can affect how the policy is issued and managed.
Example scenarios
These are not fixed quotes — they show why personalised pricing matters.
A 20-year-old student coming to Spain for an academic year is usually best suited to Sanitas International Students, because it is designed for student visa requirements and study stays in Spain.
A healthy 30-year-old who does not need visa insurance may prioritise a low monthly premium and compare entry-level or copay plans like Accede, Avanza or Más Salud Óptima.
A couple applying for the Non-Lucrative Visa should prioritise Sanitas Residents or Residents Platinum rather than the cheapest general policy — visa suitability and certificate wording matter more than headline price.
A family should compare total household cost, paediatric care, hospitalisation, copayments and whether the policy is needed for a visa. Más Salud Familias Plus and Más Salud Familias Sin Copay are common starting points.
A retiree should request a personalised quote early because age and medical history can have a significant effect on availability and pricing. If applying for the NLV, Sanitas Residents is usually the relevant starting point.
Common questions about how Sanitas prices work, what affects your quote and how to get an exact personalised price.
For what drives the price rather than the prices themselves, see what health insurance costs in Spain in our complete guide.
Why Sanitas
Sanitas is one of Spain’s largest private insurers and has been part of the Bupa group since 1989. For people arriving from abroad, the practical draw is usually the size of the medical network and how much of it works in English.
Network access, benefits and available services depend on the plan you hold and where you live.
The process
Most people arrive here unsure whether they are ready to buy anything. You do not have to be — the first two steps cost nothing and commit you to nothing.
Very fast and responsive to my requirements. Neil was an excellent communicator who guided me through the process with ease.
Alan B. · Verified Google review
No. There is no additional fee for using our service — our remuneration is paid by Sanitas. We will confirm the exact premium for your circumstances when we prepare your quote.
We help you choose the right plan, explain the differences, assist with the application, help with visa certificates where applicable, and remain your point of contact after your policy starts.
Yes. We are an Official Exclusive Sanitas Agent and work directly with Sanitas.
Yes. We are native English-speaking advisers and handle everything in English, from your first enquiry through to your policy and its renewal.
Yes. Once your policy is active you can use all normal Sanitas services, including the Mi Sanitas app, customer service and your local medical network. We are also here if you need assistance.
Sanitas sets the premiums. We do not create special pricing, but we can help make sure you are applying for the most suitable plan for your circumstances.
Why request a quote from us?
The only way to know your real Sanitas price is to request a personalised quote. Tell us about your situation and we'll compare the most suitable Sanitas options for you — with exact pricing based on your age and province.
Free, no-obligation pricing advice from Sanitas exclusive agents who understand expat needs.
Whether you are applying for a Non-Lucrative Visa, moving to Spain permanently, retiring, studying or working remotely, we will help you compare the right Sanitas options in English.