Comprehensive medical cover in Spain, in English, from Sanitas, part of the Bupa group.
The short answer
Yes, Sanitas health insurance is good for most people moving to Spain. Sanitas, part of the Bupa group, has insured people in Spain since 1954. Its network of more than 58,000 doctors and specialists is Spain's largest. Its plans without co-payments, such as Sanitas Mas Salud, are accepted for every visa and residency application, and HealthPlan Spain supports you in English.
Compare the plans and prices, read what Sanitas costs in 2026, or see how Sanitas compares with Adeslas, Asisa and DKV.
| You are | The plan to price first | What decides it |
|---|---|---|
| Applying for a non-EU visa or residency | Residents Visa or Mas Salud | No co-payments, and Residents Visa carries no waiting periods |
| An EU citizen registering as resident | Mas Salud | Full cover in Spain with no co-payments; GP, specialist and emergency care from the day it starts |
| A family | Mas Salud Family | Family discounts, extra paediatric and speech therapy cover, no waiting period for psychology |
| Self-employed in Spain | Sanitas Professional | Priced for the autonomo, with accidental death funeral cover up to €5,250 on the Professional plan |
| A student on a visa | Sanitas International Students | Meets the student visa rules, dental and repatriation included |
| Over 60 and turned away elsewhere | Unico | No upper age limit to join |
| Travelling or living outside Spain part of the year | Premium 500 or Top Quantum | Worldwide reimbursement on top of the Spanish network |
| Healthy and watching the budget | Accede or Avanza | Low premium with co-payments per visit, but not accepted for a visa |
About Sanitas
Sanitas covers individuals, families, students and retirees living in Spain. Whether you're applying for residency, a visa, working remotely, or simply seeking faster access to care, Sanitas makes it simple.
With plans tailored to suit different needs and budgets, you can choose Spanish health insurance with or without co-payments and include add-ons (add-ons) such as worldwide reimbursement cover.
You'll get access to over 58,000 medical professionals, a nationwide network of hospitals and clinics, plus digital features including 24-hour emergency video consultations and digital health programmes through the app. Peace of mind, personalised service, all backed by Bupa.
Most recommended
Each policy includes essential cover, optional add-ons and smart digital features. Choose an economical option with co-payments, or go fully comprehensive.
From 42,65 € / month
Cover for overseas students in Spain
Providing comprehensive cover that fully meets student visa requirements.
From 61,40 € / month
Cover in Spain + no co-payments
Our most economical policy for singles and couples requiring a plan for residency, NIE or visa.
From 62,70 € / month
Cover for the whole family, no co-payments
Our most economical policy for families requiring a plan for residency, NIE or visa.
Switching is easy
Looking to switch your private health insurance in Spain?
It's easy to move your cover to Sanitas. You'll get all the benefits listed above including access to our medical network, digital tools, and policy flexibility, even if you're switching from another provider.
Switch your health insurance
Switching to Sanitas private health insurance in Spain is simple, and you won't need to restart qualification periods for most services. Join over 3 million members and start using your cover right away, with the exception of childbirth, which carries an 8-month qualification period.
Levels of cover
Three levels of cover to match different needs and budgets, with optional add-ons to tailor your plan.
Keep costs low with essential protection
Included in all comprehensive policies
Upgrade your plan for more benefits
Included as standard
Manage your health from your phone: book appointments, access documents and get medical help by chat or video.
Video consultations with GPs and specialists by appointment, and a 24-hour emergency video GP.
Access to psychologists and therapy sessions, including cover for anxiety, depression and more.
Nutrition, fitness coaching, child wellness, smoking cessation and mother & child programmes.
General medicine and paediatric care without an appointment.
Full cancer care is covered, with additional services to support you through treatment.
Good to know
Clear answers to common questions about private health insurance in Spain.
Yes. We have a range of policies that meet the legal requirements for Spanish residency, including NIE and long-stay visa applications. They give full cover with no co-payments, hospital care included, and the documents you need for your appointment.
Yes. From sign-up and paperwork to customer service, everything is available in English, so you can feel confident in your cover even if your Spanish is not perfect yet.
Most policies are approved the same day. Once accepted, you receive your digital documents straight away, which is ideal if you have an upcoming visa or residency appointment.
Prices start from €22.10 a month for Sanitas Accede with co-payments, depending on your age, where you live and the level of cover you choose.
A few things that affect your premium:
Yes. Sanitas is part of the Bupa group and runs the largest medical network in Spain, with more than 58,000 doctors and specialists and its own hospitals. Its plans without co-payments, such as Sanitas Mas Salud and Top Quantum, meet the visa and residency requirements.
Not usually. A condition you already have is declared on the health questionnaire when you apply. Sanitas then decides how it is treated: most often the condition itself is excluded from the policy and everything else is covered at the standard price. A declined application is possible but uncommon, and a surcharge instead of an exclusion is rarer still.
Yes. A Sanitas policy runs for a year and renews automatically. To cancel, give written notice at least one month before the renewal date, which is what Spanish insurance law requires. If you are leaving Spain part-way through the year, contact us and we will explain your options.
No, Sanitas health insurance has no hidden fees. You pay the monthly premium and, on a plan with co-payments, a fixed amount per service, such as €5 for each of the first 15 consultations a year on Sanitas Accede. The first receipt of each year also carries the Consorcio de Compensación de Seguros levy of 0.15 per cent of the annual net premium. There is no value added tax and no insurance premium tax on health cover. The main exclusions, written in the general conditions, are conditions you had before joining that Sanitas has not accepted, cosmetic surgery and experimental treatments.
Sanitas health insurance is for people who live in Spain for at least six months a year. Sanitas Residents Visa can be arranged from your home country before you move, with no foreigner identity number (NIE) needed to start. New members can join Sanitas Mas Salud, Top Quantum, Residents Visa and the Professional plans up to 75, Mas 90 and Premium 500 up to 64, and Accede and Avanza up to 59. Sanitas Unico takes new members from 60 with no upper age limit. There is no age at which cover stops, so the policy can renew for life.
No, you pay the same premium through HealthPlan Spain as you would buying direct from Sanitas. HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella, registered with the Dirección General de Seguros y Fondos de Pensiones (DGSFP) as an insurance mediator, code C0320X5769518Z. Your policy is issued by Sanitas, and we arrange your quote, your application and your support in English. Our team works Monday to Friday 8am to 6pm and Saturday 9am to 2pm, by phone or email.
When you get a quote, we will ask for a few details:
Pick up where you left off – see your plans priced side by side, or edit your details to recalculate.