Full coverage, zero surprises - one simple monthly fee
Private health insurance in Spain without co-payments means you pay a fixed monthly premium and nothing extra when you use covered services in the Sanitas network. Sanitas Mas Salud, from 61,40 € a month, is accepted for Spanish visas and residency. Sanitas Residents Visa, from 76,89 € a month, adds no waiting periods and includes repatriation for residence visa applicants.
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. Sean Guy is registered as insurance mediator C0320X5769518Z with the Dirección General de Seguros y Fondos de Pensiones, the Spanish insurance regulator. Sanitas is part of the Bupa group.
Health insurance without co-payments means you pay a fixed monthly premium and never face extra charges for covered medical visits. This makes healthcare costs predictable and is ideal for those who expect regular doctor visits or ongoing care. It's especially popular with expats, families, international students and anyone seeking simple, stress-free coverage. No co-payment plans meet all Spanish visa and residency requirements, providing comprehensive coverage and legal proof of insurance for immigration purposes. With this type of plan, you can enjoy peace of mind and easy access to healthcare, without surprise fees.
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 76,89 € / month
For a Spanish residence visa
A dedicated plan for non-EU applicants applying for a residence visa from outside Spain, with no waiting periods and repatriation included.
From 62,70 € / month
Cover in Spain + no co-payments
Our most economical policy for families requiring a plan for residency, NIE or visa.
From 64,40 € / month
Cover in Spain + no co-payments
Sanitas Top Quantum offers comprehensive coverage, including any GP in Spain. A step up from Sanitas Mas Salud. It's ideal for visa and residency applications.
From 83,70 € / month
Cover in Spain + 70% worldwide
The Sanitas Mas 90 is an all inclusive health insurance policy covering you in Spain and worldwide with no co-payments (excesses).
From 94,00 € / month
Cover in Spain + 90% worldwide
Provides comprehensive care in Spain plus €500k cover worldwide. Packaged with reimbursement of prescription costs and income protection.
These extras are especially helpful for non-EU applicants, remote workers, or anyone adjusting to the Spanish healthcare system.
With a no co-payment plan, you pay a fixed monthly fee and can access covered healthcare services without any additional charges each time you visit a doctor or specialist.
These plans are a good fit for people or families who expect to use medical services regularly and want to avoid unpredictable out-of-pocket expenses.
This plan provides broad health coverage, including visits to general practitioners and specialists, diagnostic tests, hospital care, surgeries, maternity services, and dental treatment. Care is provided through the Sanitas network, and Sanitas Top Quantum, Sanitas Mas 90 and Sanitas Premium 500 add a reimbursement allowance for care outside the network. The general conditions exclude care resulting from chronic alcoholism or drug dependency, voluntary termination of pregnancy, vaccines, alternative medicine and injuries from war or terrorism.
Yes, all Sanitas no co-payment plans are accepted for Spanish visa and residency applications, as they meet the requirements for comprehensive coverage without co-payments.
There are various options to increase the dental cover included in these plans giving you access to a wider range of dental services.
While you can use general medical services right away, some specific treatments like non emergency hospital stays, surgeries, and childbirth have qualification periods before you can access them. Sanitas Mas Salud covers childbirth after an 8 month waiting period, and Sanitas Students does not include pregnancy, childbirth or newborn care.
Yes, Sanitas offers no co-payment plans designed for families, allowing all members to be covered under one policy and monthly payment.
All Sanitas no co-payment plans include annual coverage of €12,000 for medical emergencies abroad. Plans with reimbursement included provide comprehensive medical cover worldwide within the stated sum insured. Check your specific policy for details on what is included.
You can sign up for a plan online, by phone, or through an authorized Sanitas office such as ourselves. Once your application is approved and payment is arranged, your coverage will begin. Sanitas assesses any pre-existing condition you declare when you apply and can cover it, exclude it or decline the application, and an exclusion written into the policy is permanent.
Sanitas Residents Visa is the dedicated plan for non-EU applicants applying for a residence visa from outside Spain. Sanitas Residents Visa has no waiting periods, so cover starts from day one. Repatriation is included as standard and a consulate certificate is issued on activation. The plan has no co-payments.
Complex diagnostic tests such as MRIs and CAT scans have a qualification period of 6 months from the date of joining the policy. Most services are accessible from day one. General medical services can be used right away, while non emergency hospital stays, surgeries and childbirth have qualification periods.
Sanitas health insurance without co-payments starts from 42,65 € a month on Sanitas Students and from 61,40 € a month on Sanitas Mas Salud. The premium depends on the age of each person insured and the province where the policyholder lives. Get a quote to see your own price.
Sanitas Mas Salud and Sanitas Mas Salud Family are the plans in the Sanitas Mas Salud range with no co-payments. Sanitas Mas Salud Optima and Sanitas Mas Salud Plus give the same core cover with a co-payment per service. Because they have co-payments, Optima and Plus are not accepted for visa or residency applications.
Sanitas Mas Salud accepts new members from birth to age 75, and once you are insured there is no maximum age to keep the policy. Sanitas Students is for students aged 14 to 35.
Yes, HealthPlan Spain arranges Sanitas plans without co-payments in English as an authorised Sanitas agent (agent code 22395) in Marbella. You pay the same price as buying direct from Sanitas. We work by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm.
Contact us to discuss your options and find the perfect Sanitas no co-payment plan for you.
*Most services are accessible from day one. Complex diagnostic tests such as MRIs and CAT scans have a qualification period of 6 months from the date of joining the policy.
Sanitas is one of Spain's leading providers of private medical insurance, backed by Bupa and trusted by over 3 million members. Our health insurance with no co-payments is especially popular with expats moving to Spain, families settling long-term, and visa applicants who want full cover and peace of mind.
Explore our full range of health insurance plans for expats in Spain - all available in English and Spanish, all supported by our dedicated local team. Compare plans, get your quote, and join online in just minutes.