Compare all 8 insurers accepted at Spanish consulates in 2026. Honest ratings, real prices, and clear guidance on which policy actually gets your visa approved — from someone who's helped expats move to Spain for over a decade.
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† Indicative monthly prices for a healthy adult aged 35, no-copay plan. Actual premiums vary by age, region & health history.
Each Spanish visa type has different health insurance requirements. Choose yours for a tailored comparison of the policies that will actually get you approved.
Retiring or living off savings? The NLV requires the most comprehensive coverage — we show exactly what passes consulate inspection.
Spain's Beckham Law visa for remote workers. We clarify which policies satisfy the health insurance condition without breaking the bank.
Studying in Spain for more than 90 days? Budget-friendly options that satisfy Spanish university and consulate requirements.
Over-65 coverage that satisfies NLV requirements — including our dedicated guide to finding good cover after 70 and 80.
Employer-sponsored or self-employed — what counts as valid health insurance for a Spanish work visa in 2026.
The Highly Qualified Professional visa — insurance requirements and best policies for international professionals relocating to Spain.
Regularising your status through arraigo social, laboral, or familiar? Here's what health insurance documentation you'll need.
Renewing your Tarjeta de Identidad de Extranjero? We cover what health insurance evidence you need to provide at each renewal stage.
Browse every visa type, renewal path, and residency route — all in one place. Includes guides by nationality.
Not sure which visa applies to you? Read our complete expat healthcare guide →
All 8 insurers compared — coverage quality, English-language support, key facts and who each one suits best. No sponsored placements, no hidden bias.
Spain's second largest private health insurer, owned by BUPA since 1989 — 58,000+ doctors and specialists across 4,500 centres. Residents / Residents Platinum for non-EU applicants; Más Salud Sin Copago for EU nationals. No waiting period option available.
Part of the Swiss Helvetia Group, with 70+ years in Spain. The visa-compliant product is Caser Adapta Sin Copagos — clear English documentation, fast visa certificate, and one of the cleanest policy documents for consulate submissions. Accepts new applicants up to age 65.
Owned by Mutua Madrileña, Adeslas is Spain's largest insurer by membership — over 5 million policyholders and 44,000+ providers nationwide. Consulates are very familiar with Adeslas documentation. Note: the retail plan includes copays; you need the no-copay version via a broker for visa compliance. Maximum entry age 65.
German-owned insurer, part of the Munich Re Group. Strong across all visa types and notably the best option for applicants aged 65–74 — its maximum entry age of 74 is the highest among the mainstream insurers. Retail policies include copays; get the visa-compliant version through a specialist broker.
Based in Alicante, built specifically around the needs of expats on Spain's Mediterranean coast — Costa Blanca, Costa del Sol, Costa Cálida and the Balearics. English, German, Dutch and French support. Accepts new applicants on a case-by-case basis up to age 79, making it the only realistic option for very elderly applicants.
Doctor-owned mutual insurer with strong coverage in Madrid, Barcelona and Valencia. Available to new applicants up to age 69. Check that repatriation cover is included in the policy you're quoted — it isn't always standard on the base plan, and some consulates require it.
One of Spain's oldest and largest insurers, founded 1933 — consistently mentioned alongside Sanitas and DKV as a go-to for Spanish visa applicants. No-copay plans available, 400+ medical centres nationally, and repatriation cover included worldwide. A solid all-rounder if the other options don't suit your situation.
One of the world's largest insurers, Allianz operates in Spain through a fully authorised Spanish subsidiary. Accepted for NLV and DNV applications with comprehensive cover, zero co-payments, and 24/7 English-language support including telemedicine — a strong option for applicants who want a globally recognised brand with local Spanish compliance.
Tell us your visa type, age, and region — we'll match you with the right policy in 2 minutes.
Get My Free QuoteWant to see them side by side? View all 21 head-to-head comparisons →
Indicative monthly premiums for a healthy adult aged 35. Actual prices depend on age, region, and cover tier. Scroll right on mobile.
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| Insurer | From (monthly) | NLV / DNV | No copayments | English support | Pre-existing | Waiting periods |
|---|---|---|---|---|---|---|
| Sanitas (BUPA) | €47.90 | ✓ Both | ✓ | ✓ Excellent | Case by case | None available |
| Caser Adapta | €55 | ✓ Both | ✓ | ✓ Good | Limited | 2–6 months |
| Adeslas | €50 | ✓ Both | ✓ Via broker | Good | Exclusions apply | 6–12 months |
| DKV | €60 | ✓ Both | ✓ Via broker | ✓ Good | Very limited | 3–8 months |
| Mapfre | €55 | ✓ Both | ✓ | Good | Exclusions apply | Varies |
| ASSSA | €55 | ✓ NLV, Ret. | ✓ | ✓ Multilingual | Exclusions apply | Varies |
| ASISA | €49 | ✓ Both | ✓ | Basic | Exclusions apply | 6–12 months |
| Allianz | €65 | ✓ Both | ✓ | ✓ 24/7 English | Exclusions apply | Varies |
Prices are indicative monthly premiums for a healthy adult aged 35, no-copay plan — actual premiums depend on age, region, and coverage tier. Request a personalised quote →
Spanish consulates don't publish a single, universal list of accepted insurers. Requirements vary by consulate (Miami is stricter than London, for example), by visa type, and change year to year.
Every policy on this site has been checked against the requirements published by major Spanish consulates in early 2026 — including the key clause that coverage must have no co-payments, no excess, and no geographical exclusions within Spain.
We also flag when a policy is conditionally accepted (i.e. only with certain add-ons or tiers), so you don't get caught out at your appointment.
Read the full requirements guideSpanish consulates require that your policy covers 100% of costs with zero co-payments or excess. We flag any policy that doesn't meet this standard.
Coverage must extend to the entire Spanish territory — including the Canary Islands and Balearic Islands — with no exclusion zones.
Most consulates require an annual policy starting from the date of visa application, not travel insurance or short-term cover.
The health insurance market for Spain visas is full of brokers with hidden incentives. Here's what makes our comparisons genuinely independent.
We earn referral fees on Sanitas (via spanish-healthinsurance.com) and Caser (via 247 Expat Insurance) only. Every other insurer is reviewed with no commercial relationship — so our comparisons aren't distorted by commissions.
Neil Peter Osborne has spent 15 years helping British, American, Canadian, and Australian expats relocate to Spain. This isn't generic copy — it's practical guidance from real consulate appointments and real applications.
Consulate requirements change. We review all policy information and consulate guidance at the start of each year and update every page to reflect current standards — not what was true in 2023 or 2024.
Affiliate disclosure: We earn referral fees on Sanitas and Caser policies only. This is clearly labelled throughout the site. All other insurers are reviewed with no commercial interest. Read our full disclosure →
Our most-read guides — covering the questions that trip up even well-prepared visa applicants.
Our definitive ranking of every insurer accepted at Spanish consulates this year — with overall scores, pros and cons, and a clear recommendation for each visa type.
Read guide → Budget GuideGoing cheap can backfire if the policy gets rejected at your appointment. We show which budget options are genuinely consulate-compliant in 2026.
Read guide → Pre-ExistingHow each insurer handles pre-existing conditions, which ones offer the best cover, and what to disclose in your application to avoid claim disputes later.
Read guide → Common QuestionShort answer: no. Longer answer — here's why EHIC and GHIC cards do not satisfy the health insurance requirement, and what you need instead.
Read guide → Age 70+Premiums jump significantly after 70, and some insurers stop accepting new applicants altogether. We compare every option for older applicants in plain terms.
Read guide → Complete GuideHow Spain's public and private healthcare systems work, what NIE and SIP cards are, and how private health insurance fits into life in Spain as a resident expat.
Read guide →British, American, Canadian, and Australian applicants all face slightly different processes — partly due to bilateral health agreements (or lack of them), and partly because different consulates take different approaches.
We have dedicated guides for the most common nationalities, covering any country-specific quirks you need to know before your appointment.
See all nationality guides →For the NLV you need a Spanish private health insurance policy that covers you for the full duration of your visa, with no co-payments, no excess, and no exclusion zones within Spain (including the Canary Islands and Balearics). The policy must be from a company authorised by Spain's insurance regulator (DGS) — not international travel insurance. Our top picks for the NLV are Sanitas Residents (for non-EU nationals) and Caser Adapta Sin Copagos, both of which meet all consulate requirements in 2026.
No. EHIC and GHIC cards are not accepted as health insurance for Spanish visa applications. They provide access to state healthcare on the same terms as Spanish nationals, but consulates require a private insurance policy from a DGS-authorised Spanish insurer. This is one of the most common misconceptions we see — see our full EHIC/GHIC guide for the details.
For a healthy adult under 50, expect to pay between €38 and €80 per month depending on the insurer and level of cover. ASSSA is typically the cheapest option (from ~€38/month), while Sanitas and Caser are in the €48–€65 range but offer significantly better English-language support and network quality. Premiums increase substantially for applicants over 60 — check our over-70 guide if this applies to you.
Yes, consulate requirements do vary. The Spanish consulates in Miami and Chicago are known to be stricter and more prescriptive about which insurers and policy tiers they accept. London and New York are generally more flexible. All insurers listed on this site are accepted at the major consulates, but we flag any known exceptions in the individual insurer reviews.
Yes, but with important caveats. Spanish private insurers typically exclude pre-existing conditions for 12–24 months (or permanently for serious chronic conditions). For visa purposes, the policy still counts as valid health insurance — consulates don't require the insurance to cover pre-existing conditions specifically. Sanitas is generally the most flexible on pre-existing conditions, accepting more conditions at standard rates. See our full pre-existing conditions guide for a complete insurer-by-insurer breakdown.
Both are excellent choices and we're direct referral partners with both. Sanitas (part of BUPA) has the larger network — 58,000+ doctors and specialists across 4,500 centres — and is generally easier for English speakers to navigate day-to-day. Caser's visa-compliant product is called Adapta Sin Copagos, and it's known for having one of the clearest and best-formatted visa certificates in the industry, which can make your consulate appointment go more smoothly. For applicants over 60, Sanitas often works out better value despite comparable base rates.
Yes. Every person named on the visa application — including accompanying family members — needs their own valid health insurance policy. Family policies (which cover multiple named members on a single contract) are accepted, and often work out cheaper than individual policies. See our couples and families guides for specifics.
Tell us your visa type and we'll connect you directly with our trusted partners for Sanitas and Caser — or provide an independent recommendation if another insurer suits you better.
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