We've compared every combination of the 6 main Spanish visa health insurance options — Sanitas, Adeslas, DKV, ASISA, ASSSA, and Caser — across 30 head-to-head pages. Whether you've already narrowed it down to two options or you're starting fresh, the comparisons below cover every matchup.
Grouped by insurer — 5 comparisons per insurer.
Key facts at a glance — confirm all details with a personalised quote.
Auto-certificate on payment. Up to 6 months advance contracting. 50/50 payment option. Owned hospitals.
Spain's largest private network. Best value if price is your main priority and you are under 65. 36-month contract is a significant tie-in.
Backed by ERGO/Munich Re. Good national network. Main alternative to Sanitas for applicants over 70. Repatriation cover not confirmed — verify before purchasing.
Lowest published from-price of all 6 insurers. Owns HLA hospital group. Strong for cost-conscious applicants under 70. Repatriation confirmed.
Expat-focused, multilingual staff, no age-based premium increases. Best suited to south-east Spain (Alicante, Murcia, Valencia, Almería). No longer works with Quirónsalud.
One of only two insurers with dental included as standard. Via 247 Expat Insurance specialist. Maximum joining age of 69 is a key limitation — check carefully if you are near or over 65.
From-prices are indicators only. Your actual premium depends on your age, province, and underwriting. Complete the form below to get accurate quotes for your specific situation.
Common questions about comparing Spanish visa health insurers.
Sanitas is our top recommendation for most visa applicants in 2026. It combines a strong owned-hospital network, the English-language BLUA digital health app, automatic certificate delivery on payment, a maximum joining age of 75, and flexible payment options (50/50 split available). From €67.76/month, it is not the cheapest option, but the combination of practical advantages — especially for applicants who do not speak Spanish — makes it the best overall policy for most people applying for a Non-Lucrative, Digital Nomad, or Student visa.
Choose Sanitas if you want English-language support throughout your policy (app, customer service, doctor filtering), a maximum joining age of 75, owned hospitals, automatic certificate delivery, and the option to contract up to 6 months in advance. Choose Adeslas if price is your primary concern — it is from €51.67/month versus Sanitas from €67.76/month. However, note that Adeslas has a standard maximum joining age of 65, operates primarily in Spanish, and requires a 36-month contract commitment — significantly longer than the 12-month contract that Sanitas offers.
Caser is a strong option if dental cover from day one is important to you — it is one of only two insurers in this comparison (alongside Sanitas which also includes dental as standard) where dental is included as standard. Priced from €46.95/month with repatriation included and a 12-month contract, Caser's main limitation is the maximum joining age of 69. If you are under 69 and want dental included in your visa health insurance, Caser is worth comparing seriously — especially via the 247 Expat Insurance specialist. Over 69, you would need Sanitas, DKV, or ASSSA instead.
Adeslas has a national contracted network of 44,000+ healthcare providers. Sanitas has a smaller but higher-quality network anchored by owned hospitals in Madrid, Barcelona, and other cities. For most expat destinations, Sanitas, Adeslas, and DKV all offer adequate GP and specialist access. ASSSA operates primarily in south-east Spain (Valencia, Murcia, Alicante, Almería) and is best suited to applicants settling in that region. Note that as of 2026, ASSSA no longer works with Quirónsalud — worth factoring in if access to that hospital group matters to you.
ASISA has the lowest published from-price at €42.88/month. Caser follows at from €46.95/month, then Adeslas from €51.67/month. However, from-prices are entry-level indicators — your actual premium will depend on your age, the province you are registering in, and underwriting. Older applicants in particular will find that premiums across all insurers are higher than the published from-price. Always get a personalised quote before selecting an insurer on price alone.
Both Sanitas (Residents Visa, Residents Platinum, International Students) and Caser include dental as standard. Sanitas includes 45+ free services across 216+ owned dental clinics. Caser includes Sonrisa Esencial. DKV, Adeslas, ASISA, and ASSSA do not include dental. Caser is cheaper (from €46.95/mo, max age 69); Sanitas accepts to age 75.
For applicants aged 65–69, your main options are Sanitas (up to 75), DKV (up to 75), ASSSA (up to 74), ASISA (up to 70), and Caser (up to 69). Adeslas has a standard maximum joining age of 65. For applicants aged 70–74, the options narrow to Sanitas (up to 75), DKV (up to 75), and ASSSA (up to 74). For applicants aged 75, only Sanitas and DKV accept new applications at that age. Sanitas is the recommended choice for older applicants due to its English-language support, owned hospital network, and reliable certificate process.
Sanitas, DKV, ASISA, ASSSA, and Caser all offer 12-month contracts, which is the standard for Spanish visa health insurance. Adeslas is the exception — its standard contract runs for 36 months (3 years). This is a significant commitment and means you are tied in for considerably longer than with any other insurer in this comparison. If flexibility matters, the 12-month insurers give you the option to switch, cancel, or reassess annually.
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