Adeslas vs ASSSA: at a glance
| Feature | Adeslas | ASSSA |
|---|---|---|
| Plan name | Adeslas Extranjeros | ASSSA Standard / Plus |
| From price | €51.67/month (published) | ~€53/month (quote required) |
| Contract length | 36 months (tied in) | 12 months, renewable ✓ |
| Max joining age | 65 standard* | 74 ✓ |
| Age-based premium increases | Yes — higher at each band | No age increases ✓ |
| No copayments | ✓ | ✓ |
| No waiting periods | ✓ (visa route) | ✓ (visa route) |
| Repatriation | ✓ | ✓ |
| Dental cover | Not included | Not included |
| Certificate | 48–72 hrs via agent | 48–72 hrs via agent |
| Advance contracting | ~90 days max | ~90 days max |
| English support | Limited — primarily Spanish | Multilingual — expat-focused ✓ |
| Geographic coverage | National ✓ | Mainly SE Spain |
| Quirónsalud hospitals | Via contracted network | Not included ⚠ |
| DGSFP authorised | ✓ | ✓ |
Adeslas: 36-month tied contract
Adeslas Extranjeros is a 36-month non-breakable contract. You should not assume you can switch or cancel after year one or year two. Confirm this with your agent before purchasing and factor the full three-year commitment into your decision.
ASSSA: no longer works with Quirónsalud hospitals
ASSSA no longer has a working relationship with Quirónsalud hospitals. If you are relocating to an area where Quirónsalud is a significant private healthcare provider, you must check the ASSSA cuadro médico carefully before purchasing to confirm that adequate hospital cover is available in your area without Quirónsalud.
Price: Adeslas has a published from-price, ASSSA requires a quote
Adeslas Extranjeros is publicly priced from €51.67/month (€620.04/year) for applicants aged 0–44. Adeslas publishes a full age-banded tariff that is useful for initial planning. ASSSA does not publish a fixed from-price — a personalised quote is required. ASSSA's pricing benchmarks at approximately €53/month at entry level, making the two broadly comparable at the lower age bands.
However, there is a crucial pricing difference for older applicants: ASSSA does not increase premiums with age. Adeslas's published tariff rises sharply — €875.16/year at 45–54, €1,176/year at 55–59, €1,573.08/year at 60–64, and €2,152.92/year at 65–70. If you are over 50 and comparing these two policies over a multi-year horizon, ASSSA's no-age-increase structure can make it materially cheaper in the longer term despite the similar entry-level price.
| Age band | Adeslas /year (published) | ASSSA |
|---|---|---|
| 0–44 | €620.04 | ~€53/mo — confirm via quote |
| 45–54 | €875.16 | No age-based increase ✓ |
| 55–59 | €1,176.00 | No age-based increase ✓ |
| 60–64 | €1,573.08 | No age-based increase ✓ |
| 65–74 | €2,152.92 (65–70)* | ASSSA accepts to 74 — no age increase ✓ |
Adeslas prices from publicly published Extranjeros tariffs. ASSSA does not publish a fixed tariff — all figures approximate benchmarks. *Adeslas standard max joining age is 65; above 65 is case-by-case subject to medical review. Always confirm current pricing and terms via personalised quote.
Contract length: 12 months vs 36 months
ASSSA is a 12-month renewable contract. You are free to reassess every year — to compare alternatives, switch insurers, or continue. Adeslas Extranjeros is a 36-month contract. You are committed for three full years from the policy start date, with no ability to exit in year one or year two.
For expat applicants who are building a new life in Spain, annual flexibility has real value. Your circumstances may change, your Spanish may improve (giving you more insurance options), your region may change, or you may simply want to compare the market again after year one. ASSSA provides that flexibility. Adeslas does not.
Maximum age and premium increases: ASSSA is significantly better
ASSSA accepts applicants up to age 74. It also does not apply age-based premium increases — your premium is not escalated simply because you have got older. These two features combined make ASSSA particularly attractive for applicants in their 50s, 60s, and early 70s.
Adeslas has a standard entry age cutoff of 65 (case-by-case above that with medical review), and its published tariff escalates steeply by age band — from €620/year for under-44s to over €2,100/year for the 65–70 band. For an applicant aged 60 or above, ASSSA's no-increase structure is likely to be materially cheaper over a multi-year period, even if the entry-level benchmarks appear similar.
Multilingual support: ASSSA's key differentiator
ASSSA was built with the international expat community in mind. Multilingual customer service is one of its defining features — it provides support in English and other languages, making day-to-day administration (authorisations, queries, certificate management) accessible to applicants who do not yet speak Spanish.
Adeslas operates primarily in Spanish. Its customer service, app, and administrative processes are Spanish-language. In expat-heavy areas, individual providers may speak English informally, but for any formal administrative matter you are dealing with a Spanish-language operation.
For new arrivals who are not yet confident in Spanish, ASSSA's multilingual approach is a meaningful practical advantage. This is particularly relevant in the early months of living in Spain, when understanding your health insurance administration clearly matters most.
Network: primarily SE Spain, and no longer with Quirónsalud
ASSSA's network is strongest in south-east Spain — Alicante, Valencia, Murcia, and Málaga. For applicants relocating to these regions, ASSSA provides solid local coverage with an expat-friendly approach. For applicants relocating to Madrid, Barcelona, the Basque Country, Galicia, or other areas outside south-east Spain, ASSSA's coverage is more limited.
There is an important network change that every potential ASSSA policyholder should know: ASSSA no longer works with Quirónsalud hospitals. Quirónsalud is Spain's largest private hospital group — it operates major hospitals in many of the cities and regions popular with expats. If Quirónsalud is the primary private hospital in your destination area, ASSSA may not provide adequate hospital access. Always check the current ASSSA cuadro médico for your specific province before purchasing.
Adeslas has a broad national contracted network — one of Spain's largest by provider volume — which includes access to a wide range of private hospitals and clinics nationally. This is a meaningful advantage for applicants who are relocating outside south-east Spain or who want the widest possible choice of providers.
Relocating to south-east Spain? ASSSA is specifically designed for expats in Alicante, Valencia, Murcia, and Málaga. Get a personalised quote and check your local cuadro médico.
Get a quote →Who should choose ASSSA?
- Applicants relocating to Alicante, Valencia, Murcia, or Málaga — ASSSA's core expat areas
- Applicants aged 66–74 — ASSSA accepts to 74, Adeslas standard cutoff is 65
- Over-50 applicants concerned about escalating premiums — ASSSA has no age-based increases
- New arrivals who want multilingual customer service and support in English
- Anyone who wants a 12-month contract and annual flexibility to reassess
- Applicants who have confirmed Quirónsalud is not required in their destination area
Who should choose Adeslas?
- Applicants relocating outside south-east Spain where ASSSA's network is thinner
- Applicants whose destination area relies significantly on Quirónsalud hospitals
- Under-44 applicants comfortable with a three-year commitment who prioritise network breadth
- Those who want a single published from-price rather than going through a quote process
Summary: destination-dependent, with two important caveats
This comparison has two important caveats that should dominate the decision. First, Adeslas's 36-month contract is a significant practical limitation — committing for three years at the start of a new life in Spain requires confidence about your long-term plans and circumstances. ASSSA's 12-month contract is meaningfully more flexible.
Second, ASSSA no longer works with Quirónsalud hospitals. For applicants in areas where Quirónsalud is the main private hospital option, this is a hard stop — check the ASSSA cuadro médico before purchasing.
Beyond those two factors, the comparison depends heavily on destination. ASSSA is strong — arguably the better choice — for applicants relocating to south-east Spain who want multilingual support, annual contract flexibility, and protection from age-based premium escalation. Adeslas is the better choice for applicants relocating elsewhere in Spain who need national network breadth, or whose destination relies on Quirónsalud infrastructure.
Note: ensure your policy is issued as a visa-compliant route — Adeslas Extranjeros or the relevant ASSSA visa product — and not a standard consumer policy that may include waiting periods. Confirm this with your specialist before purchasing.
Frequently asked questions
It is destination-dependent. ASSSA is better for applicants relocating to south-east Spain (Alicante, Valencia, Murcia, Málaga) — it offers a 12-month contract, multilingual support, no age-based premium increases, and max age 74. Adeslas is better if your destination is outside south-east Spain or relies on Quirónsalud hospitals (which ASSSA no longer includes). Note Adeslas's 36-month contract is a significant commitment. Both are DGSFP-authorised.
ASSSA is 12 months, renewable annually. Adeslas Extranjeros is a 36-month non-breakable contract — you are committed for three full years from the start date.
No — ASSSA no longer works with Quirónsalud hospitals. If Quirónsalud is a significant provider in your destination area, check the ASSSA cuadro médico carefully before purchasing.
No — ASSSA does not apply age-based premium increases. This is one of its key differentiators and can make it materially cheaper than Adeslas for applicants in their 50s, 60s, and 70s, where Adeslas's published tariff escalates significantly by age band.
ASSSA accepts applicants to age 74. Adeslas has a standard cutoff of 65 (case-by-case above that with medical review). For applicants aged 66–74, ASSSA is the appropriate choice between these two.
Yes — multilingual support is one of ASSSA's defining features. It is specifically positioned for the international expat community and provides support in English and other languages. Adeslas operates primarily in Spanish.
ASSSA's network is primarily concentrated in south-east Spain — Alicante, Valencia, Murcia, and Málaga. Coverage outside these regions is limited. For applicants in Madrid, Barcelona, or other areas, Adeslas provides broader national network access.
No — neither Adeslas Extranjeros nor ASSSA includes dental as standard in the visa-compliant policy. For dental from day one, consider Sanitas Residents Visa.
At entry level, prices are broadly comparable — Adeslas from €51.67/month (published), ASSSA approximately €53/month (quote required). However, ASSSA does not increase premiums with age, while Adeslas's tariff escalates significantly. For applicants over 50, ASSSA is likely cheaper over the long term.
Both can generally be contracted up to approximately 90 days before the required start date. Sanitas allows up to 6 months advance contracting for those planning further ahead.
Get a personalised quote for your age and destination
From-prices are a starting point. Your actual premium depends on your age, province, and underwriting outcome. Get a comparison across Adeslas, ASSSA, and all other major insurers.
Pricing shown is sourced from each insurer's own published pages and is accurate to the best of our knowledge at the time of publication. Premiums are individually underwritten and confirmed at quote stage. Always verify current terms directly with the insurer or your specialist before purchasing.