Adeslas vs Caser: Spanish Visa Health Insurance 2026

Adeslas vs Caser: at a glance

Price: Caser is cheaper — and includes more

Caser Adapta is publicly priced from €46.95/month. Adeslas Extranjeros from €51.67/month — a difference of approximately €4.72/month or around €56.64/year at entry level. That gap already favours Caser, but the more important point is what Caser includes for that lower price: dental cover (Sonrisa Esencial) as standard. Adeslas does not include dental.

If you factor in the cost of a basic dental plan arranged separately — which most Adeslas policyholders will eventually want — the real price gap between the two policies is substantially larger than the headline monthly figures suggest. Caser's from-price gives you general medical cover plus dental. Adeslas's from-price gives you general medical cover only.

Adeslas prices from publicly published Extranjeros tariffs. Caser from-price confirmed at point of quote based on age and province. All prices are indicators — your personal premium is confirmed at application stage.

Dental: the decisive advantage for Caser

The single most important differentiator in this comparison is dental. Caser Adapta includes the Sonrisa Esencial dental benefit as standard. This is built into the policy — not a bolt-on, not a paid upgrade, not something you arrange separately. It is there from day one of your Caser policy. Among all non-Sanitas visa-compliant insurers, Caser is the only one that includes dental cover as standard.

Adeslas Extranjeros does not include dental cover. If you take out Adeslas and need dental treatment — routine check-ups, fillings, hygienist visits — you will pay either out of pocket or via a separate dental plan. In Spain, where private dentistry is widely used and not particularly cheap, the absence of dental is a meaningful gap in the Adeslas policy.

For applicants who are making a long-term move to Spain and intend to use their health insurance as actual healthcare rather than solely as a visa document, dental inclusion should be a primary consideration. Caser resolves this by including it. Adeslas does not.

Contract length: 12 months vs 36 months

Caser Adapta is a 12-month contract that auto-renews. One month's written notice is required to cancel or switch. Adeslas Extranjeros is a 36-month contract. You are committed for three full years from the start date.

This matters in practice for visa applicants making a new life in Spain. Over the first three years you may:

• Move to a different region with a different network profile
• Want to upgrade to Sanitas once you have a better sense of your healthcare needs
• Find that Caser's network suits your area better
• Return home or change your residency plans

With Caser, you reassess every 12 months. With Adeslas, you are locked in for 36 months regardless of what changes in your life.

Maximum joining age: 69 vs 65

Caser accepts new applicants up to age 69. Adeslas has a standard maximum joining age of 65 for straightforward enrolment — cases above 65 may be considered on a case-by-case basis subject to medical review, but 65 is the standard cutoff.

This means Caser serves a wider age range in this comparison. Applicants aged 65–69 can use Caser; Adeslas would require a medical review and may decline. However — and this is critical — neither Caser nor Adeslas is available to new applicants aged 70 or over. If you are 70 or above, you need to look at DKV (max age 75) or Sanitas (max age 75). Do not start the application process for either Caser or Adeslas if you are already 70.

Network: both contracted third-party — neither owns hospitals

Neither Adeslas nor Caser owns hospitals or clinics in the same way that Sanitas does. Both operate through contracted networks of third-party private providers — GPs, specialists, private clinics, and hospital groups.

Caser has a network of 45,000+ healthcare professionals across Spain. The network is broad enough for general GP and specialist access in most provinces, though it is strongest in larger cities and coastal areas. For applicants moving to rural or less-populated areas, it is worth verifying the specific local network before committing.

Adeslas has one of the broadest contracted networks in Spain by raw provider count. In terms of listed specialists and facilities, Adeslas's cuadro médico is large. However, neither insurer owns its network, so the quality of each individual facility depends on that provider — not on Adeslas or Caser directly. The network breadth advantage Adeslas has in volume does not translate into an infrastructure quality advantage over Caser.

English support: 247 Expat Insurance for Caser

Neither Caser nor Adeslas provides corporate English-language customer service equivalent to Sanitas's BLUA app. However, for Caser specifically, the specialist broker 247 Expat Insurance provides English-language support throughout — application, contracting, certificate, and ongoing policy management. This effectively bridges the language gap for English-speaking applicants taking out Caser.

Adeslas customer service is primarily Spanish-language. In expat-heavy areas like the Costa del Sol, Costa Blanca, and Barcelona, many Adeslas network doctors speak English — but for administrative matters (authorisations, billing, certificate queries), you will be dealing in Spanish.

Who should choose Caser?

Who should choose Adeslas?

Our verdict

For most visa applicants under 70, Caser wins this comparison clearly. It is cheaper (€46.95/month vs €51.67/month), includes dental as standard (Sonrisa Esencial — the only non-Sanitas insurer to do so), offers a 12-month contract versus Adeslas's 36-month commitment, and accepts applicants up to age 69 versus Adeslas's standard maximum of 65.

The only scenario where Adeslas makes sense over Caser is if your specific local network is meaningfully stronger with Adeslas than Caser — which is worth checking but not a given. Outside that specific scenario, there is no meaningful argument for choosing Adeslas over Caser when both are being considered for a Spanish visa application.

The 36-month Adeslas contract is a genuine risk. A 25-year-old applying for a Spanish visa might not mind being committed for three years — but for anyone who anticipates their circumstances might change, or who simply values the ability to reassess their insurer annually, that contract length should be treated as a serious disadvantage.

If you are aged 70 or above, neither insurer is available to you. Look at DKV (max 75) or Sanitas (max 75) instead, or use the full comparison tool to see all options for your age.

Frequently asked questions

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.