Sanitas Residents Platinum | Expat Health Insurance Spain
✓ Visa Approved ★ Platinum No Copay
Sanitas Residents Platinum

The Platinum Expat Health Insurance Built for Spain

The same complete visa-approved cover as Sanitas Residents — plus 90% worldwide reimbursement up to €500,000 (100% in the USA), Dental Milenium with 65+ services and €30,000 emergency assistance abroad.

NLV & DNV visa compliant
90% worldwide reimbursement — 100% in USA
USA medical cover included
Dental Milenium — 65+ services, no copay
€30,000 emergency abroad
Sanitas Residents Platinum ★ Platinum
Plans from
107.23 /month
From price — your exact premium depends on age & province. Get your exact quote →
Copayments✓ None
Waiting periods✓ None — day 1 cover
Visa compliant✓ Yes — NLV, DNV & more
Repatriation✓ Confirmed in certificate
Dental★ Dental Milenium
Emergency abroad★ €30,000/year
Worldwide reimb.★ 90% — up to €500,000
USA cover★ 100% (prior auth.)
Get My Platinum Quote →

⚠️ The visa certificate is issued once payment has been made and the policy has been confirmed by Sanitas.

🛂
Visa-Approved Health Insurance
Residents Platinum is accepted at all Spanish consulates for NLV, DNV, Student Visa and Family Reunification
Same-day certificate in English & Spanish Confirms repatriation, no copayments, validity dates & no waiting periods No NIE required — passport only to apply Meets all requirements of Spanish Consulate offices & BLS for visa applications
About visa certificates →
No copayments
90% worldwide / 100% USA
Same-day visa certificate
USA medical cover
€30,000 emergency abroad
Dental Milenium included

What Platinum adds on top of Residents

Every benefit of Sanitas Residents, plus four significant upgrades included as standard.

90% worldwide reimbursement — €500,000 USA: 100% with prior authorisation €30,000 emergency abroad Dental Milenium (65+ services) €400 dental + €300 pharmacy reimb.
Full Coverage Breakdown

What Sanitas Residents Platinum Covers

Platinum includes every benefit of the Residents plan — listed in full below — with Platinum upgrades marked with .

🏥 Hospital & Surgery
  • Full hospitalisation — medical, surgical and obstetric
  • Private single room with en-suite bathroom — plus bed for a companion, all meals and medications during admission
  • General and specialist surgery, including laparoscopic
  • Anaesthesiology, ICU and intensive care
  • Blood products and transfusions
  • Transplants (organ waiting lists included)
  • Day-case surgery and ambulatory procedures
  • No copayments on any hospital or surgical service
  • €100/day subsidy (up to 90 days) if Sanitas is unable to provide a required treatment
  • Payment protection: 6 months of premiums covered if you lose employment or are unable to work; 12 months in the event of the policyholder's death
🩺 Outpatient & Specialist Consultations
+
  • GP and primary care consultations — unlimited
  • Specialist consultations across all medical specialities
  • No referral required to access specialists
  • Diagnostic tests: blood, urine, cultures, biopsies
  • Imaging: X-ray, ultrasound, CT, MRI, PET scans
  • Cardiology: ECG, echocardiogram, Holter monitor, stress test
  • Physiotherapy: up to 60 sessions per year
  • Occupational therapy, speech therapy, podiatry
  • Psychology consultations included
  • Ophthalmology: examinations, retinal photography
  • Nursing consultations and cures
🌍 Worldwide Reimbursement ★ Platinum
+
Platinum exclusive. Use any clinic or specialist in Spain or worldwide and receive 90% reimbursement of eligible costs, up to €500,000 per year. In the USA, reimbursement is 100% with prior authorisation by Sanitas — where standard Residents cover does not apply.
  • 90% reimbursement of eligible medical costs at any clinic in Spain
  • 90% reimbursement worldwide — up to €500,000 per year
  • USA: 100% reimbursement with prior authorisation by Sanitas — hospital cover up to €443,500; outpatient up to €52,000; childbirth up to €3,610
  • Covers consultations, diagnostics, hospitalisation and surgery outside the Sanitas network
  • €400 dental reimbursement per year (80% of costs for non-covered dental)
  • €300 pharmacy reimbursement per year (50% of medication costs; within Spain only)
  • Submit claims through the Mi Sanitas app or directly to Sanitas — reimbursement is processed by bank transfer.
🦷 Dental Milenium ★ Platinum
+

Platinum includes Dental Milenium — a significant upgrade from Dental 21. 65+ dental services at 200+ Sanitas Milenium clinics across Spain, plus €400 annual dental reimbursement for private dental work outside the network.

  • All 45+ Dental 21 services included (examinations, X-rays, extractions, hygiene, orthodontic study)
  • Fillings and reconstructions included at no charge
  • Endodontics (root canal treatment) covered
  • Gum treatments (periodontics)
  • 40% discount on non-included dental services (crowns, implants, cosmetic)
  • €400 dental reimbursement per year — 80% of costs for dental work outside the Sanitas network
  • 90% reimbursement up to €325/year for basic dental outside the network
  • Access 200+ Sanitas Milenium dental clinics through the Mi Sanitas app or by calling 91 200 04 30.
✈️ Emergency Assistance Abroad — €30,000/year ★ Platinum
+

Platinum raises the emergency abroad limit to €30,000 per person per year (up from €12,000 on standard Residents) for trips outside Spain of up to 90 days.

  • Medical & hospital expenses abroad — up to €30,000/year
  • Prescribed medications and dental emergency (up to €300)
  • Medical transfer to appropriate facility
  • Companion hotel accommodation (up to €60/day, max 10 days)
  • Family member travel & accommodation (up to 5 days); minor children accompaniment
  • Repatriation of remains; baggage & personal belongings search; medication forwarding
  • Emergency funds advance (€1,500); legal assistance (€1,500); bail bond (€10,000)
🌍 Repatriation Cover — Required for NLV & DNV
+

⚠️ Why Repatriation Cover Is Critical for Your Visa

Repatriation is a mandatory requirement for NLV and DNV visa applications. It covers the transport of your remains to your country of origin in the event of death. Consulates check for it explicitly on the policy certificate. Sanitas Residents Platinum explicitly confirms repatriation on your certificate with no ambiguity.

  • Transport of coffin or ashes to the nearest international airport to the chosen burial location in your country of origin
  • Onward transport costs from airport to burial location — up to US$1,000
  • Companion travel included — direct family members resident in Spain
  • No waiting periods. No pre-existing condition exclusions.
  • Repatriation is explicitly confirmed on your Sanitas Residents Platinum certificate — exactly what consulates require.
🎗️ Oncology & Serious Illness
+
  • Full cancer diagnosis, treatment and follow-up
  • Chemotherapy and oncology treatment
  • Radiotherapy (excluding proton and neutron therapy)
  • Lithotripsy, laser treatments, endoscopy
  • Home respiratory therapies
  • 90% worldwide reimbursement available for oncology treatment outside the Sanitas network
🔍 International Second Medical Opinion
+
  • Access to world-leading specialists in any country
  • Full written report: clinical history summary, specialist opinion on diagnosis and treatment
  • Personal medical consultant manages the entire process
  • For serious and chronic conditions requiring scheduled care — call 93 254 05 38
  • Excludes acute conditions and emergencies
Additional Covered Services
+
  • Nutrition consultations
  • Orthotics & prosthetics
  • Materno-infant programme
  • Preventive medicine — early disease detection including consultation, physical examination and basic diagnostics
  • Sanitas Welcome — dedicated customer service for appointments, authorisations and policy queries (English-speaking agents available on 91 200 04 30)
Visa & Residency

Which Visas Does Residents Platinum Cover?

Residents Platinum meets the same visa requirements as Residents — and is accepted at all Spanish consulates worldwide for the same visa types.

🛂 Non-Lucrative Visa (NLV)

The most common residency visa for retirees and people of independent means. Residents Platinum meets every NLV health insurance requirement.

  • No copayments — confirmed ✓
  • Hospitalisation included — confirmed ✓
  • Repatriation — stated in certificate ✓
  • No waiting periods — confirmed ✓
  • Certificate in English & Spanish ✓

💻 Digital Nomad Visa (DNV)

Spain's visa for remote workers employed by foreign companies. Same requirements as the NLV — Platinum meets all of them.

  • No copayments — confirmed ✓
  • Full cover from day one ✓
  • Repatriation — stated in certificate ✓
  • Certificate same day ✓

🎓 Student Visa

Residents Platinum is accepted for student visa applications in addition to the dedicated International Students plan.

  • Full Sanitas network ✓
  • No copayments ✓
  • Visa certificate issued same day ✓

🏡 Also Accepted For

Family Reunification, Work visa for self-employed and entrepreneurs, Academic and Research mobility, EU Residency Certificate (CUE–EX18).

  • All visas requiring private health insurance ✓
  • EU Residency Certificate (CUE–EX18) ✓
  • Non-EU / non-EEA / non-Swiss nationals ✓
⚠️
Nationality note: The Sanitas Residents Platinum Plan (no waiting periods) is available to non-EU, non-EEA and non-Swiss nationals. EU nationals who need the Certificado de Ciudadano de la Unión Europea (CUE–EX18) may also apply.
Policy Conditions

Waiting Periods — What You Need to Know

No waiting periods for visa applicants. If you are taking Residents Platinum for an NLV, DNV, Student Visa or other residency permit, full cover begins from day one — including hospital, surgery and all outpatient services.
From Day 1

Visa applicants — all services

  • Hospitalisations and surgery
  • All outpatient consultations
  • Diagnostics and imaging
  • Physiotherapy and rehabilitation
  • Emergency abroad cover
  • Dental Milenium services
Standard (non-visa)

If already in Spain without visa need

  • Accidents & emergencies — day 1
  • General health — 2 months
  • Specialist consultations — 2 months
  • Childbirth — 8 months
  • Orthodontics — 12 months
Annual surcharge: A small administrative surcharge of 0.15% is applied once per year, in the first payment of each policy year.
Sanitas

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most trusted private health insurer — home to the country's largest network of doctors, hospitals and specialist centres. With over 58,000 specialists across 4,500+ clinics and five owned hospitals, and backed by Bupa's global reach, Sanitas combines local expertise with world-class standards of care.

58,000+Doctors & specialistsFull Sanitas cuadro médico
4,500+Clinics & hospitals5 own hospitals + concerted
200+Dental clinicsSanitas Milenium network
3,600+Video consult specialists36 specialities via Blua
Included with Residents Platinum
Digital Health at Your Fingertips
The Mi Sanitas app puts your entire healthcare in your pocket — in English. Find doctors, book appointments, run video consultations 24/7 and manage your policy.
🌐

Full App in English

Switch the app to English instantly. Book appointments, access your digital insurance card, manage family members — everything in English, German, French or Spanish.

🩺

Doctor Language Filter

Filter the entire Sanitas network by the language a specialist speaks. Find English-speaking GPs and specialists across Spain for presential or video appointments.

📹

24/7 Video Consultations

Access 3,600+ video consult specialists across 36 specialities — day or night. First consultation typically within minutes. No waiting room, no travel.

Included & Optional Extras

What Comes With Platinum — and What You Can Add

Platinum already includes several benefits that standard Residents charges extra for. Optional add-ons let you customise your policy further.

🌍
Worldwide Reimbursement ★ Platinum
90% reimbursement worldwide — up to €500,000 per year. USA: 100% with prior authorisation by Sanitas (hospital up to €443,500; outpatient up to €52,000). Upgrade from the €150,000 or €300,000 optional add-on on standard Residents.
🦷
Dental Milenium ★ Platinum
65+ dental services at 200+ Sanitas Milenium clinics. Fillings, endodontics, gum treatments and more included. Plus €400 dental reimbursement for out-of-network costs.
✈️
Emergency Cover Abroad ★ Platinum
€30,000/year (vs €12,000 on standard Residents) for medical emergencies outside Spain for up to 90 days. Covers hospital costs, medication, dental emergency, and repatriation of remains.
🔍
International Second Opinion Included
Access world-leading specialists globally for a second opinion on serious conditions. Full written report, personal medical consultant. Call 93 254 05 38.
💶
Reimbursement Complement Optional
The standard Platinum worldwide reimbursement can be extended further on request. Ask us for details when you get your quote.
🚗
Work / Traffic Accident Cover Optional
Medical assistance for work or traffic accidents. Under 18s included free. Must be taken by all insured persons on the policy.
💊
Pharmacy & Home Services Optional
Save time and reduce medication costs — 50% off a wide range of prescription medications delivered to your home. In addition to the €300 pharmacy reimbursement included in Platinum.
🏠
Family Assistance Optional
Practical support in unexpected situations — hospitalisation, being confined at home due to illness, or death. Domestic help, childcare, personal assistance and more.

Full add-ons list available on request. Ask us when you get your quote →

Compare Your Options

You Might Also Consider

Filter plans by your situation or needs — use the buttons below to find the right match.

This Plan
Sanitas Residents Platinum
From €107.23/mo
NLV ✓ Visa ✓ ★ Platinum No Copay
  • Visa & residency approved — NLV, DNV & more
  • 90% worldwide reimbursement up to €500,000
  • USA: 100% reimbursement with prior authorisation
  • Dental Milenium (65+) + €400 dental reimbursement
  • Emergency abroad €30,000/year
Sanitas Residents
From €67.76/mo
NLV ✓ DNV ✓ Visa ✓ No Copay
  • Visa & residency approved — NLV, DNV & more
  • No copayments on any consultation
  • Repatriation confirmed in certificate
  • No waiting periods from day one
  • Dental 21 — 45+ services included
Sanitas Premium 500K
From €94.00/mo
NLV ✓ International Over 60 EU Residency
  • Visa compliant — no copayments
  • €500,000 international cover limit
  • 90% reimbursement outside network
  • Worldwide + Bupa global network
  • Ideal for over 60s & frequent travellers
Más Salud sin Copay
From €59.90/mo
No Copay Most Popular EU Residency
  • Zero copayments at every visit
  • Full Sanitas network in Spain
  • Dental 21 & Blua included free
  • Good for residents & over 60s
  • Not for NLV / DNV visa applications
Sanitas Único
From €48.10/mo
With Copay Over 60
  • Designed for ages 60–85
  • Small copay per visit
  • Full Sanitas medical network
  • Hospitalisation & surgery included
  • Not for visa applications
Autónomo
Profesionales
From €81.00/mo
No Copay Flat Rate
  • Flat rate — price doesn't rise with age
  • Zero copayments
  • Full Sanitas network
  • Tax-deductible for autónomos
  • Hospitalisation & surgery included

Prices shown are "from" prices. Your exact premium depends on your age and province.

Not sure which plan suits you? Get a free comparison quote →

Pay by international Visa or Mastercard
No Spanish bank account required
No NIE required — passport only
Semi-annual or annual payment
Apply from outside Spain
Same-day certificate

Get Your Sanitas Residents Platinum Quote

Tell us your age, province and visa situation and we'll confirm your exact Platinum price. Your visa certificate is issued the same day you confirm.

  • Free — no obligation
  • Visa certificate issued same day
  • Pay by international credit card
  • No NIE number required
  • English-speaking advisors
  • Cover can start today

Request a Quote — Residents Platinum

Applicant 1 (You)

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Common Questions

FAQ — Sanitas Residents Platinum

Everything expats ask us about Platinum.

Both plans share the same core visa-approved cover — no copayments, no waiting periods, hospitalisation, repatriation and same-day certificate. Platinum adds four significant upgrades: 90% worldwide reimbursement up to €500,000 (100% in the USA with prior authorisation), an emergency abroad limit of €30,000/year (vs €12,000 on standard Residents), Dental Milenium with 65+ services (vs Dental 21 with 45+), and €400 dental + €300 pharmacy reimbursement per year.
Yes. Residents Platinum has no copayments, no waiting periods, full hospitalisation and surgery, and repatriation explicitly confirmed in the policy certificate — issued the same day. It meets every health insurance requirement set by the Spanish MAEC for the NLV and is accepted by all Spanish consulates worldwide. The certificate is issued in English and Spanish. Available to non-EU, non-EEA and non-Swiss nationals.
The worldwide reimbursement benefit lets you use any clinic or specialist in Spain or anywhere in the world and claim back 90% of eligible costs up to €500,000 per year. In the USA, Sanitas reimburses 100% of eligible costs (with prior authorisation) — covering hospital stays up to €443,500, outpatient treatment up to €52,000 and childbirth up to €3,610. This covers consultations, diagnostics, hospitalisation and surgery. You pay upfront, then submit your receipts through the Mi Sanitas app or directly to Sanitas, and reimbursement is processed by bank transfer. Platinum also includes €400 dental reimbursement and €300 pharmacy reimbursement per year.
Yes. Like standard Residents, Platinum requires only your passport — no NIE or Spanish bank account needed. Payment is accepted by international Visa or Mastercard credit card and by bank transfer. You can apply from outside Spain before you move.
Dental Milenium is a significant upgrade from Dental 21. Both include the basics — examinations, X-rays, extractions, hygiene, and orthodontic study. Milenium adds fillings and reconstructions, endodontics (root canals), and gum treatments (periodontics) at no charge, plus a 40% discount on non-included services such as crowns and implants. Platinum also includes a €400 annual dental reimbursement for any dental costs outside the Sanitas network.
Yes. If you currently have Sanitas Residents and want to upgrade to Platinum, contact us and we'll handle the upgrade directly with Sanitas. Your waiting periods do not restart, and your medical history transfers. The Platinum benefits — worldwide reimbursement, Dental Milenium, higher emergency abroad limit — activate immediately on the new policy start date.
Yes. Children aged 0–2 must have at least one other insured adult over 2 on the policy. Children aged 3–18 can be insured individually as long as the policyholder is an adult. The maximum entry age is 64. Ask us about the family pricing when you request your quote.
Residents Platinum can be paid on a biannual (6-monthly) or annual basis — monthly payment is not available. Accepted payment methods include international Visa or Mastercard credit card, SEPA direct debit (EU IBAN) and Spanish IBAN direct debit.

About Sanitas — Part of Bupa Since 1989

With over 2.9 million people insured, Sanitas is one of Spain's leading private health insurance providers. Established in 1954 and part of the Bupa Group since 1989, Sanitas operates the largest team of medical professionals and the widest variety of specialities in Spain.

More than 58,000 professionals work across 4,500+ medical centres throughout Spain. View the Sanitas hospital and clinic network →

2.9M+Insured in Spain
70+Years experience
4,500+Medical centres
58,000+Professionals