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✓ Visa-Compliant ★ Platinum No Copay
Sanitas Residents Platinum

The Platinum Expat Health Insurance Built for Spain

The same complete visa-compliant cover as Sanitas Residents — plus 90% worldwide reimbursement up to €500,000 (USA Cover included as a separate benefit, subject to its own terms), included dental services plus 80% reimbursement up to €400 per insured per year and €30,000 emergency assistance abroad.

NLV & DNV visa compliant
90% worldwide reimbursement, subject to policy terms
USA Cover included as a separate benefit
Dental — included services plus €400 reimbursement
€30,000 emergency abroad
Get a Platinum Quote → View Full Coverage
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★ services + €400 reimb.
Emergency abroad★ €30,000/year
Worldwide reimb.★ 90% — up to €500,000
USA cover★ Separate benefit
Get My Platinum Quote →

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

Trusted by international residents

Official Exclusive Sanitas AgentWe work directly with Sanitas
Native English-speaking advisersA small team, not a call centre
Visa & residency specialistsNLV, DNV, student and resident routes
Sanitas established 1954Part of the Bupa group since 1989
No-obligation quotesPersonalised, with no pressure to proceed
Certificate supportThe document your application actually needs

What Is Sanitas Residents Platinum?

Sanitas Residents Platinum combines comprehensive care through the Sanitas medical network in Spain with reimbursement for eligible treatment outside that network, in Spain and abroad. It also includes USA Cover as a separate benefit, higher emergency healthcare limits abroad, and dental and pharmacy reimbursement.

The eligible Visado version has no copayments and no waiting periods. Its international benefits remain subject to the policy’s limits, authorisation requirements and exclusions.

  • Using doctors outside the network. Platinum reimburses 90% of eligible medical costs, up to €500,000 per insured person/year, subject to the policy terms and sublimits.
  • Emergency healthcare abroad. Platinum provides up to €30,000 per insured person/year within the applicable temporary-trip limit, compared with €12,000 under Residents.
  • Dental and pharmacy. Platinum includes the verified dental and pharmacy reimbursement benefits, subject to their annual limits and policy conditions.
  • Healthcare in Spain. Both Visado versions provide covered care through the Sanitas medical network without copayments or waiting periods.
  • USA Cover. A separate benefit with its own terms — including prior authorisation and its own limits — and not part of the worldwide reimbursement or emergency-abroad cover.

Is Residents Platinum Right for You?

Residents Platinum is intended for people who want the Sanitas medical network in Spain but also value access to doctors outside that network. It includes reimbursement for eligible out-of-network medical costs in Spain and abroad, together with separate overseas, dental and pharmacy benefits.

Platinum could be a good fit if you:

  • Regularly spend time outside Spain
  • Want the option to use doctors or hospitals outside the Sanitas network
  • May want eligible treatment from a doctor in your home country
  • Travel regularly for work or personal reasons
  • Want worldwide reimbursement for eligible medical costs, subject to the policy terms
  • Want dental and pharmacy reimbursement included

You may prefer Sanitas Residents if you:

  • Expect to live and receive most of your healthcare in Spain
  • Are happy to use the Sanitas medical network
  • Want the more economical of the two Residents options
  • Travel abroad only occasionally and do not need planned out-of-network treatment
  • Prefer Dental 21 network services rather than dental reimbursement
  • Are above Platinum’s maximum joining age but remain within the Residents joining-age rules

Other circumstances

If you are an EU, EEA or Swiss citizen, first check whether you already have healthcare through employment, Spanish Social Security, an S1 or another recognised route. Where private cover is needed or wanted, we can compare Más Salud with the non-Visado versions of Residents and Residents Platinum.

For a student visa, Sanitas International Students is normally the first product to consider. Another Sanitas plan may be suitable depending on the applicant’s age, course and circumstances.

Compare Residents and Residents Platinum →Ask us which plan fits your situation →

What’s Included in Residents Platinum

What the plan includes. Each benefit is subject to the policy terms that apply when you take out cover.

BenefitResidents Platinum
CopaymentsNo copayment — consultations and services are included in the premium
Medical network in SpainFull access to the Sanitas network — 58,000+ doctors and 4,500+ hospitals, clinics and centres
Specialists and diagnosticsIncluded, subject to authorisation rules for some services
Hospitalisation and surgeryIncluded within the Sanitas network
Planned treatment outside Spain90% of eligible costs reimbursed, up to €500,000 per insured per year
Emergency care abroadUp to €30,000 per insured per year
Dentalincluded dental services within the Sanitas dental network, discounts on other treatments, plus 80% reimbursement up to €400 per insured per year
PharmacyReimbursement — 50% up to €300 per insured per year
Digital servicesMi Sanitas app, video consultations and digital prescriptions
Visa certificateIssued once the policy is accepted and payment confirmed
Maximum contracting ageLower than Residents — must be checked before applying

Benefits, limits, waiting periods, age rules and acceptance are subject to the current Sanitas policy terms and to underwriting. We confirm exactly what applies to your case before you commit.

Want this priced for your situation?

Send us your age, route and how much time you expect to spend outside Spain. We will confirm whether Platinum is genuinely worth the difference for you.

Check My Cover →

Platinum or Residents?

A quick comparison — the full breakdown is on the dedicated comparison page.

 Residents PlatinumSanitas Residents
Best forLife that extends beyond SpainLiving and being treated mainly in Spain
Planned treatment abroad90% of eligible costs up to €500,000 per insured per yearNot included
Emergency cover abroadUp to €30,000 per insured per yearUp to €12,000 per insured per year
Dentalincluded services plus 80% reimbursement up to €400 per yearSanitas Dental 21 included
Pharmacy50% up to €300 per insured per yearNot included
Maximum contracting ageLower — check before applyingHigher — more open to older applicants
PremiumHigherLower

In short: if your life still extends beyond Spain → Platinum. If you are moving to Spain and staying → Residents.

Benefits, limits, waiting periods, age rules and acceptance are subject to the current Sanitas policy terms and to underwriting. We confirm exactly what applies to your case before you commit.

Still not sure?

Get My Quote →

What Happens After You Decide?

Common questions once you’ve decided Platinum is right for you.

  • Joining age. Platinum’s maximum contracting age is lower than Residents’, which is the most common reason an applicant is steered to Residents instead. The maximum contracting age applies when a new application is made. Continued cover and renewal remain subject to the policy terms.
  • The medical declaration. A health declaration forms part of the application. Outcomes range from acceptance on standard terms, to acceptance with specific exclusions, to a request for more medical information, to a decline. Nobody can tell you the outcome in advance.
  • How reimbursement actually works. Treatment abroad is claimed back rather than billed directly — you pay, then submit the claim. Worth knowing before you rely on it, because it means having funds available at the time.
  • Certificate timing. The certificate is issued after the policy is accepted and payment is confirmed. Build that into your appointment planning.
  • Buying before you arrive. The policy can be arranged from your home country before you move, which is normally necessary for a visa application. The start date is chosen deliberately.
  • Applying without an NIE. You do not need an NIE to request a quote or begin the process.
  • Paying from a foreign card or account. A Spanish bank account is not usually needed to start.
  • Family applications. Everyone is assessed and priced individually and must be named on the documentation. Start dates need to line up across the family.

Mistakes People Make With Platinum

  • Buying Platinum when Residents would do. This is the most common and most expensive mistake people make. If you will be treated in Spain, the extra benefits sit unused.
  • Assuming worldwide cover means unlimited cover. It is reimbursement of 90% of eligible costs up to an annual limit — not unlimited.
  • Not realising treatment abroad is reimbursed, not billed. You pay first and claim back. That changes how you plan for it.
  • Applying without checking the age limit. Platinum’s maximum contracting age is lower than Residents’. Check before you set your heart on it.
  • Buying the standard configuration for a visa application. Tell us the route first.
  • Cancelling existing cover too early. Never cancel anything until the new policy is confirmed and active.

Not sure Platinum is worth the difference?

That is the right question to ask. Send us your route, age and how much time you spend outside Spain, and we will tell you honestly which of the two fits.

Get My Platinum Quote →
🛂
Visa-Compliant Health Insurance
Residents Platinum is accepted for Spanish visa and residency applications, including for NLV, DNV, Student Visa and Family Reunification
✓ Your individual insurance certificate is provided after the required payment and policy processing have been completed on a working day. ✓ Confirms repatriation, no copayments, validity dates & no waiting periods ✓ No NIE required — passport only to apply ✓ Designed to meet the private health-insurance requirements for Spanish visa applications, with final visa decisions made by the Spanish authorities
About visa certificates →
★No copayments
★90% worldwide / USA Cover
★Your certificate is issued once your policy has been accepted and payment has been confirmed
★USA medical cover
★€30,000 emergency abroad
★included dental services plus reimbursement
★

What Platinum adds on top of Residents

Every benefit of Sanitas Residents, plus four significant upgrades included as standard. American applicants can see how these work in our guide to Residents Platinum for Americans.

90% worldwide reimbursement — €500,000 USA: subject to prior authorisation and policy terms €30,000 emergency abroad Dental — included services + €400 reimbursement €300 pharmacy reimbursement

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 Cover ★ Platinum
+

Platinum includes enhanced dental cover — a significant upgrade from Dental 21. included dental services within the Sanitas dental network, plus €400 annual dental reimbursement for private dental work outside the network.

  • ★ All 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
  • Find dental clinics in the Sanitas dental network 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
  • ✓ Sanitas Residents Platinum Visado has no waiting periods. Sanitas reviews the application before confirming cover.
  • 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)
Residents Platinum — At a Glance
Copayments✓ None
Waiting periods✓ None
NLV / DNV compliant✓ Yes
Your certificate is issued once your policy has been accepted and payment has been confirmed✓ Yes
Repatriation✓ Confirmed in cert
Dental★ services + €400 reimb.
Emergency abroad★ €30,000/yr
Worldwide reimb.★ 90% — €500,000
USA cover★ Separate benefit
Payment6-monthly or annual
Max entry age64
ID required✓ Passport only
Plans from
€107.23
per month — from price
Get My Platinum Quote → Compare All Sanitas Plans
Platinum vs Residents
Emergency abroad €30k vs €12k
Worldwide reimb. ★ Platinum only
USA cover ★ Platinum only
Dental level Enhanced vs Dental 21
Price from €107 vs €68

Which Visas Does Residents Platinum Cover?

Residents Platinum meets the same visa requirements as Residents — and is accepted for Spanish visa and residency applications for the same visa types.

🛂 Non-Lucrative Visa (NLV)

The most common residency visa for retirees and people of independent means. Residents Platinum is configured for the NLV health insurance requirements.

  • 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 is configured for them.

  • No copayments — confirmed ✓
  • Cover that is active from the policy start date ✓
  • Repatriation — stated in certificate ✓
  • Certificate once accepted ✓

🎓 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 once accepted ✓

🏡 Also Accepted For

Family Reunification, Work visa for self-employed and entrepreneurs, Academic and Research mobility.

  • Commonly used for visas requiring private health insurance ✓
⚠️
Nationality note: Eligibility depends on your nationality, residency route and the Sanitas product configuration available to you. We confirm eligibility before you apply.
Policy Conditions

Applying for a Spanish visa? No waiting periods

✓
Sanitas Residents Platinum Visado has no waiting periods. It is the version for eligible applicants from outside the EU, EEA and Switzerland who are applying for an NLV, DNV or another qualifying Spanish visa or residency route. Covered benefits are available from the policy’s effective date.

Medical underwriting, exclusions, pre-existing-condition rules, policy limits, authorisation requirements and insurer acceptance still apply.

Not applying for a visa? Sanitas Residents Platinum is the non-Visado version. It is available more broadly, including to EU citizens, and has standard waiting periods under its policy terms.

Sanitas

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is one of Spain's leading private health insurers, with a network of more than 58,000 healthcare professionals and 4,500+ medical centres. With over 58,000 healthcare professionals 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 (medical directory)
4,500+Clinics & hospitals5 own hospitals + concerted
200+Dental clinicsSanitas dental 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

Best Sanitas Plans Compared

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.

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: subject to prior authorisation and policy terms 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.
🦷
Enhanced Dental Cover ★ Platinum
included dental services within the Sanitas dental network. 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. 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 →

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: reimbursement subject to prior authorisation and policy terms
  • ✓ included dental services + €400 reimbursement
  • ✓ Emergency abroad €30,000/year
Back to Top Get Quote
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 — services included
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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
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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
  • ✓ Good for residents & over 60s
  • ✗ Not for NLV / DNV visa applications
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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
View Plan Get Quote
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
View Plan Get Quote

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
✓Your certificate is issued once your policy has been accepted and payment has been confirmed

If you are still weighing private cover against the public system, our complete guide compares public and private healthcare in Spain side by side.

Which version do you need?

Tell us whether you need the policy for a Spanish visa or residency application, EU residence registration, or private healthcare in Spain. We will help you choose the appropriate product version and explain its copayments, waiting periods and documentation before you apply.

Eligible Visado versions have no copayments and no waiting periods. Similarly named non-Visado versions have different terms and may include waiting periods.

Next steps

Applying for a Spanish visa? Next steps

Ready to move forward, or need to understand the insurance certificate the consulate asks for? These guides take you through it.

Why Sanitas

Why International Residents Choose 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.

58,000+doctors and medical professionals
4,500+hospitals, clinics and medical centres
2.9m+customers across Spain
1989part of the Bupa group since
English-speaking supportAdvisers and a service built around international residents, not translated as an afterthought.
The Mi Sanitas appBook appointments, hold digital prescriptions and see results in one place — available in English.
Video consultationsSpeak to a doctor without travelling, which removes a lot of the language friction early on.
Private network accessPrivate hospitals and clinics across Spain, subject to your plan and location.

Network access, benefits and available services depend on the plan you hold and where you live.

The process

How It Works

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.

  1. 1Tell us your situationYour route into Spain, your age, roughly when you are moving and anything about your medical history we should know.
  2. 2We recommend a planWe check which Sanitas options are genuinely open to you rather than sending a generic list.
  3. 3We prepare your quoteA personalised price for your circumstances, with the cover explained in plain English.
  4. 4You decideNo obligation at any point. If it is not right, we will say so.
  5. 5We arrange the policyWe handle the application with Sanitas and keep you updated.
  6. 6You receive your certificateIssued once the policy is accepted and paid for — the document your application needs.
⭐⭐⭐⭐⭐
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

Using Us — The Questions People Ask First

Do I pay anything extra for using you?

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.

Why should I use an agent instead of buying direct?

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.

Are you an official Sanitas agent?

Yes. We are an Official Exclusive Sanitas Agent and work directly with Sanitas.

Can I speak to someone in English?

Yes. We are native English-speaking advisers and handle everything in English, from your first enquiry through to your policy and its renewal.

Can I still contact Sanitas directly after my policy starts?

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.

Can you offer discounts?

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?

Official Exclusive Sanitas Agent — direct access to SanitasNative English-speaking advisersPersonalised recommendations, not a generic price listVisa certificate supportWe only recommend plans that are genuinely suitableNo obligation at any stage

Get Your Sanitas Residents Platinum Quote

Tell us your age, province and visa situation and we'll confirm your exact Platinum price. Your individual insurance certificate is provided after the required payment and policy processing have been completed on a working day.

  • Free — no obligation
  • Visa certificate issued once accepted
  • Pay by international credit card
  • No NIE number required
  • English-speaking advisors
  • Choose your preferred policy start date

Request a Quote — Residents Platinum

Applicant 1 (You)

No spam. Your details are used only to prepare your personalised quote.

Common Questions

FAQ — Sanitas Residents Platinum

Everything expats ask us about Platinum.

Both plans share the same core visa-compliant cover — no copayments, no waiting periods, hospitalisation, repatriation and a certificate issued once your policy has been accepted and payment has been confirmed. Platinum adds four significant upgrades: 90% worldwide reimbursement up to €500,000 (higher reimbursement may apply in some territories, subject to prior authorisation and policy terms), an emergency abroad limit of €30,000/year (vs €12,000 on standard Residents), included dental services plus 80% reimbursement up to €400 per insured per year (vs Dental 21), and pharmacy reimbursement of 50% up to €300 per insured per year.
Yes. Residents Platinum has no copayments, no waiting periods, full hospitalisation and surgery, and repatriation explicitly confirmed in the policy certificate — certificate issued once your policy has been accepted and payment has been confirmed. It is designed to meet the health insurance requirements set by the Spanish MAEC for the NLV and is accepted for Spanish visa and residency applications. The certificate is issued in English and Spanish. Eligibility depends on your nationality and residency route — we confirm which Sanitas product applies to you before you apply.
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, USA Cover applies as a separate benefit (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.
Platinum dental is a significant upgrade from Dental 21. Both include the basics — examinations, X-rays, extractions, hygiene, and orthodontic study. Platinum 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, enhanced dental cover, 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.

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