Sanitas health insurance in Spain for expats, in English

On the 2026 Sanitas tariff, a healthy adult aged 30 to 39 living in mainland Spain pays from €29.00 a month on Sanitas Accede to €116.82 on Sanitas Mas Salud for private health insurance.

Sanitas plans start from €22,10 a month.

The price depends on your age, your province and the plan. Full cover with no co-payments costs more than an outpatient plan with co-payments, which charges a small fee each time you use a service. Enter your date of birth and province in the quote box above for your exact monthly price, or read what Sanitas costs in 2026 by age.

For most people moving to Spain, yes. Sanitas is the Bupa group's Spanish insurer, with more than 58,000 doctors and specialists and 4,500 centres in its network, the largest in Spain. Its plans without co-payments, such as Sanitas Mas Salud and Top Quantum, are accepted for every visa and residency application, and both the app and our own support work in English. HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas policies in English, at the same price as buying direct from Sanitas. Read our full Sanitas review.

Sanitas is owned by the Bupa group and has been its Spanish insurer since 1989. It has sold private medical insurance in Spain since 1954 and has more than 3 million members today. The policy you buy is a Spanish policy issued by Sanitas, backed by the Bupa group. Existing Bupa members can transfer to Sanitas and keep their cover history, with the waiting periods waived except for childbirth.

Expat health insurance in Spain is required for non-EU visa applicants and for EU citizens registering as residents who are not working or paying Spanish social security. Consulates require full cover with no co-payments for a visa, and the residency registration asks for the same. If you work in Spain and pay social security, you are covered by the public system, and private cover is optional for faster access to specialists and a choice of doctor. See health insurance for a Spanish visa and health insurance for Spanish residency.

Only if you are entitled to the public system, and living here does not give you that automatically. Entitlement comes through one of four routes: working in Spain and paying social security, or holding a United Kingdom (UK) S1 form as a state pensioner. The other two are paying into the Convenio Especial once you have been registered long enough, or being the dependant of someone covered. A European or Global Health Insurance Card (EHIC or GHIC) covers temporary visits only and is not accepted as proof of cover for a visa or residency application. Early retirees and the economically inactive are expected to arrange private cover instead. Read public and private healthcare in Spain.

Private health cover in Spain from Sanitas means private doctors, specialists, tests and treatment through the Sanitas network, with no public waiting lists. Outpatient plans such as Sanitas Accede cover doctor and specialist visits and tests, and full plans such as Sanitas Mas Salud add hospital cover. Compare every plan on the Sanitas health plans page.

We sell all 15 Sanitas plans. Compare them side by side on the Sanitas plans page, or open any plan for its cover, price and conditions.

Without co-payments: Sanitas Residents Visa, Sanitas International Students, Sanitas Top Quantum, Sanitas Mas Salud, Sanitas Mas Salud Family, Sanitas Mas 90 and Sanitas Premium 500.

With co-payments: Sanitas Accede, Sanitas Avanza, Sanitas Mas Salud Optima, Sanitas Mas Salud Plus, Sanitas Unico and Sanitas Mas 90 Plus.

For the self-employed (autonomo): Sanitas Professional and Sanitas Professional Plus.

We also sell Sanitas dental plans, add-on cover options, business health insurance and pet insurance.

For a visa, Spanish consulates ask for full private cover with no co-payments from an insurer authorised in Spain. Sanitas Residents Visa, Top Quantum, Mas Salud, Mas Salud Family, Mas 90 and Premium 500 meet those rules, and Sanitas International Students meets the student visa rules. Sanitas Residents Visa is built for applying from abroad, with no waiting periods and the consulate certificate issued once the policy is activated. For EU residency registration, Top Quantum, Mas Salud, Mas Salud Family, Mas 90 and Premium 500 qualify, and so does Sanitas Professional if you are already registered as autonomo. Plans with co-payments are not accepted for either. See the full visa cover guide and residency cover guide.

Any life-threatening emergency is covered from day one, and so are consultations with a family doctor or any specialist, everyday tests and outpatient emergencies. On Sanitas Mas Salud, outpatient surgery waits 3 months, complex diagnostic tests and psychology 6 months, childbirth 8 months, and hospitalisation, chemotherapy and radiotherapy 10 months. Sanitas Residents Visa, Sanitas International Students and Sanitas Accede have no waiting periods, and neither do company-paid business plans. If you have held private health insurance in Spain with another insurer for at least a year, or with Bupa, Sanitas waives the waiting periods when you switch, except childbirth. See every Sanitas waiting period.

A plan with co-payments charges a small fixed fee each time you use a service, such as a consultation or a test, in return for a lower monthly premium. A plan without co-payments has one monthly premium and nothing to pay when you see a doctor. Both use the same Sanitas network, and only plans without co-payments are accepted for a visa or residency. Read how co-payments work, or compare the plans without co-payments and the plans with co-payments.

Get an instant quote on this page, choose your plan and complete the online application in minutes. There is no medical examination, only a short health questionnaire on the application. Our English-speaking team in Marbella is available Monday to Friday 8am to 6pm and Saturday 9am to 2pm by phone or email, and supports you for the life of your policy.