About Adeslas
Adeslas — formally SegurCaixa Adeslas — has one of Spain's broadest national health networks, with 44,000+ providers across the country. Backed by CaixaBank and Mutua Madrileña, it is part of the financial and insurance mainstream in Spain, and its name is immediately recognised by consulate officials, immigration lawyers, and medical professionals across the country.
For foreign nationals applying for Spanish visas or residency, Adeslas offers cover through a dedicated expat route — sold under names including Adeslas Extranjeros, Adeslas Expats, and occasionally through the Adeslas Plena Plus product with visa-compliant conditions applied. The result is a policy that meets all Spanish consulate requirements: DGSFP authorisation, zero copayments, zero waiting periods, full hospitalisation, repatriation, and a Spanish-language certificate. It is worth noting that standard Adeslas consumer policies sold in the retail market may carry waiting periods — the visa-compliant Extranjeros route is a distinct product that must be purchased specifically for this purpose.
What Adeslas Extranjeros covers
When issued as a visa-compliant policy, Adeslas Extranjeros provides comprehensive private health cover through the Adeslas cuadro médico — one of the widest networks in Spain.
- Full access to the Adeslas cuadro médico: GP consultations, specialist referrals, and diagnostics with zero copayment
- Emergency care and urgent treatment, in-network
- Hospitalisation: surgery, inpatient care, and post-operative follow-up — 100% covered
- Diagnostic services: blood tests, imaging, X-rays, and scans
- Unlimited medical expenses — no annual monetary cap
- Repatriation included as standard
- No copayments — every consultation and service is fully covered
- No waiting periods — cover active from policy start date
- Spanish PDF certificate confirming full cover — normally sent within 48–72 hours by your agent after acceptance and payment
Repatriation is included — meaning that in the event of a serious medical event or death, the costs of returning you (or your remains) to your home country are covered. This is a meaningful inclusion that not every Spanish visa insurer provides as standard, and it is particularly valued by NLV holders and retirees moving from further afield.
Key policy facts at a glance
| Policy detail | Adeslas Extranjeros |
|---|---|
| Product name | Adeslas Extranjeros / Adeslas Expats / Plena Plus (visa route) |
| Visa types | NLV, DNV, student, work, family, NIE/TIE, renewals |
| From price | €620.04/year (€51.67/month equivalent) |
| Age range | 0–65 standard (case-by-case above 65, subject to medical review) |
| Copayments | None |
| Waiting periods | None (visa-compliant route only) |
| Hospitalisation | 100% included |
| Repatriation | Included |
| Medical questionnaire | Required |
| Contract term | 12 months (non-breakable) |
| Payment | One upfront payment for the full 12-month policy term |
| Certificate timing | Within 48–72 hours, normally sent by your agent |
| Certificate language | Spanish PDF |
2026 pricing: Adeslas Extranjeros by age
The following prices are based on publicly available Adeslas Extranjeros / Expats agent tariff information. Prices are annual premiums — the policy is paid as one upfront payment for the full 12-month policy term. Monthly equivalents are shown for comparison. Final pricing may vary depending on age, province, underwriting outcome, and current insurer tariff.
| Age band | Annual premium | Monthly equivalent |
|---|---|---|
| 0–44 | €620.04 | €51.67 |
| 45–54 | €746.68 | €62.22 |
| 55–59 | €1,126.74 | €93.90 |
| 60–64 | €1,392.77 | €116.06 |
| 65+ (max standard age 65*) | €2,152.92 | €179.41 |
Source: publicly available Adeslas Extranjeros agent tariff information. Prices are annual. Monthly equivalents are calculated for comparison only — the policy is normally paid annually. Prices may vary by province, underwriting, and current tariff.
Is Adeslas right for you?
- Applicants under 55 who want the lowest available price from a major Spanish insurer
- Applicants who want repatriation included as standard without paying for a premium tier
- NLV holders and retirees who want comprehensive cover from Spain's largest insurer at a competitive annual premium
- Applicants comfortable paying annually who do not need monthly direct debit
- Applicants applying several days before their consulate appointment — not urgently
- Applicants over 65 — 65 is the standard entry age cutoff for straightforward enrolment; Sanitas accepts up to 75
- Applicants who need a certificate same-day — Adeslas normally takes 48–72 hours; Sanitas sends it automatically once payment is received
- Applicants who want monthly payment flexibility — the contract is annual and non-breakable
- Applicants who want a digital health app with English-language online doctors and integrated healthcare management
- Applicants who need English-language customer service — Adeslas corporate support and its app are primarily in Spanish; in expat-heavy areas many affiliated doctors speak English, but administrative support is limited
- Applicants who want worldwide reimbursement cover outside Spain
Contract terms: what to know before you buy
The payment structure of Adeslas Extranjeros is different from some other Spanish visa insurers and it is important to understand it before committing.
36-month commitment, billed annually. Adeslas Extranjeros is a 36-month non-breakable contract — you are tied in for three full years from the policy start date. Each annual instalment is one upfront payment covering 12 months. There is no monthly instalment option — budget for the full annual premium at the point of purchase, and factor in the three-year commitment before signing.
Adeslas Extranjeros: 36-month tied contract
You cannot switch insurer or cancel after year one. If your circumstances change — you move region, decide to return home, or find a better product — you are still committed for the full three years. Confirm the full commitment period with your agent before purchasing and factor it into your decision.
Advance contracting: The policy can normally be contracted a maximum of 90 days in advance of the required start date. If your consulate appointment is more than three months away, you will need to wait before purchasing. Plan your timeline accordingly.
Non-cancellable mid-year. The standard Adeslas Extranjeros contract cannot be cancelled mid-year without losing the remaining premium, unless your issuing agent has confirmed a specific exception clause in writing. The most common exception is a visa refusal clause — some agents will process a partial or full refund if your visa application is refused and you can provide documentary evidence within the required deadline. Confirm this with your agent before purchasing, not after.
The Adeslas network
Adeslas has one of the broadest private healthcare networks in Spain. The official cuadro médico covers 51,000+ healthcare professionals and 1,400+ healthcare centres nationwide — spanning GPs, specialists, diagnostic facilities, private hospitals, and day clinics across every Spanish province. In major cities — Madrid, Barcelona, Valencia, Seville, Málaga, Alicante — the depth of choice is excellent, with multiple options for most specialties within a short distance.
Adeslas also operates its own branded infrastructure. There are 25 Adeslas Medical Centres across Spain — dedicated multidisciplinary centres with extended opening hours, diagnostic technology, and in-house specialists. Alongside these, Adeslas runs its own Adeslas Dental clinic network, available across the main cities and regions.
On top of its owned centres, Adeslas contracts with the major private hospital groups across Spain. Published directory examples include:
- Quirónsalud — Spain's largest private hospital group, with Quirónsalud hospitals in Córdoba, Huelva, Málaga, Marbella, Sevilla, and other locations appearing in Adeslas directories
- Vithas — Hospitals in Granada, Almería, Málaga, Sevilla, Vithas Xanit Estepona, and Vithas Xanit Internacional
- HM Hospitales — Hospital HM Málaga and other HM centres depending on province
- Hospiten — Including Hospiten Estepona; particularly relevant in the Canary Islands and Costa del Sol
- IMED Hospitales — Hospital IMED Gandía and IMED Valencia; strong in the Valencia/Alicante/Murcia zone
- HLA Grupo Hospitalario — HLA San Carlos Dénia and other HLA centres depending on region
- Viamed — Viamed Bahía de Cádiz and other Viamed hospitals in Andalucía and beyond
- Hospital San Juan de Dios / Hospital San Rafael — Major religious-foundation private hospitals across Andalucía and other regions
Hospital access in any specific location depends on the cuadro médico for your province and policy. The examples above are sourced from public Adeslas directory material and are illustrative — always verify the full local list in the Adeslas network finder before purchasing, especially if you need access to a specific hospital or specialist clinic.
For expats settling in less urban areas, Adeslas's broad geographic spread is a genuine advantage over insurers whose networks are more concentrated in cities. The combination of 1,400+ contracted centres and 25 own Adeslas Medical Centres means most locations in Spain are well served.
Pre-existing conditions
All Adeslas Extranjeros applications require a medical questionnaire, and any declared pre-existing conditions are reviewed on an individual basis. There is no automatic blanket exclusion — each application is assessed according to the nature, severity, and current management of the condition. Following review, Adeslas will reach one of four outcomes:
- Full acceptance — the policy proceeds with the condition covered on standard terms.
- Acceptance with condition excluded — the policy is issued in full, but that specific condition and directly related treatment are excluded from benefit. All other cover remains intact.
- Acceptance with a premium loading — Adeslas accepts the condition into cover and adjusts the premium accordingly. This is common for stable, well-managed chronic conditions.
- Decline — in cases where the risk cannot be accommodated, Adeslas may decline to offer cover. This is the least common outcome for stable, treated conditions.
If you have a medical history to declare, it is worth discussing your specific situation with an Adeslas specialist before applying, so you have a clear picture of the likely outcome and can compare it against the approach taken by other insurers.
The certificate: timing and content
Adeslas issues its visa health insurance certificate as a Spanish-language PDF by email. The certificate is normally sent within 48–72 hours by your agent after acceptance and payment are confirmed. The certificate states that the policyholder has comprehensive cover with no copayments and no waiting periods — the language consulates need to see.
If your application is straightforward (no medical questionnaire complications, payment confirmed), your agent may send the certificate sooner. If manual underwriting review is required — for example due to a declared medical condition — allow additional time. For applicants with a consulate appointment within 24–48 hours, this is worth factoring in. If you need the certificate as quickly as possible, Sanitas sends it automatically once payment is received and is the safer choice for very tight deadlines.
Our verdict on Adeslas
Adeslas is the price-competitive choice among the major Spanish health insurers, and for applicants in the under-55 age bands in particular the annual premium is noticeably lower than comparable Sanitas cover. The network is one of Spain's largest with 44,000+ providers, and the coverage is comprehensive — this is not a budget product, it is a serious insurer at a competitive price.
The inclusion of repatriation as standard is a meaningful differentiator. For NLV holders who have relocated from outside the EU, the knowledge that repatriation costs are covered in a worst-case scenario carries real weight, and it removes the need for a separate travel insurance product to plug that gap.
The main practical differences versus Sanitas to be aware of are the upfront annual payment structure, the 36-month non-breakable contract, the 48–72 hour certificate turnaround (rather than automatic delivery), and the language of customer support. Adeslas's corporate customer service and its app are primarily in Spanish — in expat-heavy areas many affiliated doctors speak English, but for administrative matters (authorisations, certificate queries, billing) you are dealing with a Spanish-language operation. For applicants who are not yet confident in Spanish, this is a real day-to-day difference that the headline price comparison does not capture.
For applicants under 55 who want strong coverage from a major Spanish insurer at the most competitive price, Adeslas Extranjeros is an excellent option and consistently worth quoting alongside Sanitas.
Frequently asked questions
Yes. Adeslas is authorised by Spain's DGSFP and is widely accepted at consulates. The policy must be issued as Adeslas Extranjeros or an equivalent visa-compliant route — not a standard Adeslas consumer policy, which may carry waiting periods that consulates reject.
From €620.04 per year (€51.67/month equivalent) for ages 0–44. Prices increase with age: €746.68/year (45–54), €1,126.74/year (55–59), €1,392.77/year (60–64), and €2,152.92/year for the 65+ band. These are based on publicly available agent tariff information and may vary by province and underwriting.
Yes. Adeslas Extranjeros is normally issued as a 36-month non-breakable contract with one upfront payment for the full policy term. You should not assume mid-year cancellation is possible unless your agent has confirmed a specific clause (such as a visa refusal refund) in writing before purchase.
Yes. Repatriation is included as standard in the Adeslas Extranjeros visa-compliant policy. This covers the cost of returning you to your home country in the event of a serious medical emergency or death — a meaningful inclusion that not every Spanish visa insurer provides by default.
The certificate is normally sent within 48–72 hours by your agent after acceptance and payment are confirmed. If manual underwriting is required (for example due to a declared medical condition), allow additional time. For very tight consulate deadlines, Sanitas is faster — sending the certificate automatically once payment is received.
65 is the standard entry age cutoff for Adeslas Extranjeros — this is the maximum age for straightforward enrolment without additional review. Adeslas may accept applications above age 65 on a case-by-case basis subject to medical review, but 65 is the standard entry age cutoff for straightforward enrolment. For ages up to 75, Sanitas Residents Visa covers up to age 75.
Adeslas's corporate customer service and app are primarily in Spanish. In expat-heavy areas like the Costa del Sol, Costa Blanca, Barcelona, and Madrid, many Adeslas-affiliated doctors speak English — but this depends on the individual provider. For administrative matters such as authorisations, certificate queries, and billing, you are dealing with a Spanish-language operation. If English-language support is important from day one, Sanitas is a stronger choice — the BLUA app runs in English, customer service is available in English, and the Mi Sanitas app allows you to filter doctors by the language they speak.
Every application with a declared pre-existing condition is reviewed individually. Adeslas may accept with full cover, accept with the condition excluded, accept with a premium loading, or decline. Outcomes vary by condition and severity. Speak to an Adeslas specialist before applying if you have a medical history to declare.
Adeslas Extranjeros is the specific Adeslas product route for foreign nationals applying for Spanish visas or residency. Unlike standard Adeslas consumer products that may carry waiting periods, the Extranjeros route is issued with no copayments, no waiting periods, repatriation, and a Spanish certificate accepted by consulates and immigration authorities.
Adeslas Extranjeros is one of the strongest-value options on this comparison for applicants under 55. If you need the fastest possible certificate, English-language customer support, or are aged over 65, compare Sanitas alongside it before deciding.
Data accuracy note: All pricing is sourced from publicly available Adeslas Extranjeros agent tariff information. Prices are annual premiums and may vary by age, province, underwriting outcome, and current insurer tariff. For the accurate price for your specific situation, always request a quote directly. This page was last reviewed May 2025.