ASISA vs Adeslas: at a glance
| Feature | ASISA | Adeslas |
|---|---|---|
| Plan name | ASISA Health Residents | Adeslas Extranjeros |
| From price | €42.88/month ✓ | €51.67/month |
| Contract length | 12 months, renewable ✓ | 36 months (tied in) |
| Max joining age | 70 ✓ | 65 standard* |
| No copayments | ✓ | ✓ |
| No waiting periods | ✓ (visa route) | ✓ (visa route) |
| Repatriation | ✓ Included | ✓ Included |
| 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 |
| Payment | Full upfront only | Full upfront only |
| English support | Limited — primarily Spanish | Limited — primarily Spanish |
| Network model | HLA linked hospitals ✓ | Contracted third-party |
| Owned hospitals | 18 HLA hospitals ✓ | None |
| Owned medical centres | 20 owned centres ✓ | None |
| Network breadth | Good nationally; strongest in key cities | Largest contracted cuadro nationally ✓ |
| 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 before comparing from-prices alone.
Price: ASISA is the cheaper policy
ASISA Health Residents is cheaper at entry level — from €42.88/month versus Adeslas from €51.67/month (€620.04/year for aged 0–44). That is approximately €9/month or €107/year at entry level. Over the duration of an Adeslas contract — three years — that difference compounds significantly if the gap holds across age bands.
ASISA's pricing should be confirmed via personalised quote for your specific age band and province. Adeslas publishes a full tariff publicly, which provides transparency for initial planning. Neither policy includes dental cover or a split-payment option.
| Age band | ASISA /month (from) | Adeslas /year (published) |
|---|---|---|
| 0–44 | From €42.88/mo ✓ | €620.04 |
| 45–54 | Confirm via quote | €875.16 |
| 55–59 | Confirm via quote | €1,176.00 |
| 60–64 | Confirm via quote | €1,573.08 |
| 65–70 | ASISA accepts to 70 — confirm via quote | €2,152.92 (65–70)* |
ASISA from-price confirmed at quote based on age and province. Adeslas prices from publicly published Extranjeros tariffs. *Adeslas standard max joining age is 65; above 65 is case-by-case subject to medical review. All prices subject to underwriting and current insurer tariffs.
Contract length: 12 months vs 36 months
ASISA Health Residents is a 12-month contract, renewable annually. You are free to reassess, switch, or continue every year. Adeslas Extranjeros is a 36-month contract — you are committed for three full years from the policy start date, with no ability to switch or cancel in year one or year two.
For most visa applicants, this structural difference matters significantly. Over three years, your circumstances may change — your health needs may evolve, your region may change, you may want a policy with stronger English-language support as you settle in, or better hospital access. ASISA gives you annual optionality. Adeslas does not.
Maximum joining age: ASISA accepts to 70
ASISA Health Residents accepts applicants up to age 70. Adeslas has a standard cutoff of 65 — applications above 65 are considered case-by-case with medical review, but acceptance is not guaranteed. For applicants aged 66–70, ASISA is the appropriate choice between these two insurers. This is particularly relevant for Non-Lucrative Visa and retirement applicants in their late 60s.
Network: ASISA has owned hospitals, Adeslas has national breadth
ASISA's association with the HLA Grupo Hospitalario — 18 hospitals and 20 owned medical centres across Spain — gives it a quality-controlled inpatient infrastructure that Adeslas does not have. HLA has strongest presence in Madrid, Sevilla, Huelva, Cádiz, and Zaragoza. For applicants relocating to these areas, ASISA's owned hospital element is a genuine advantage for complex or inpatient care.
Adeslas has no owned infrastructure — its entire network is contracted third-party providers. However, its cuadro médico is one of Spain's largest by total provider volume. For applicants in regions where ASISA's network is thinner but Adeslas's contracted network is denser, this breadth can be a practical advantage. Always check both cuadros médicos for your specific destination province before purchasing.
Repatriation: both include it
Both ASISA Health Residents and Adeslas Extranjeros include repatriation cover. This is one area where the two policies are comparable — repatriation is included in both visa-compliant policies.
English-language support: both primarily Spanish-language
Neither ASISA nor Adeslas provides comprehensive English-language customer service or administration. Both operate primarily in Spanish. In expat-heavy areas, individual providers may speak English informally, but for administrative matters — claims, authorisations, certificate queries — both are Spanish-language operations.
For English-language support throughout your customer journey, consider Sanitas (BLUA app, full English customer service) or ASSSA (multilingual, expat-focused service).
Not sure which insurer fits your age and destination? Get a personalised comparison across ASISA, Adeslas, and all other major insurers.
Get a quote →Who should choose ASISA?
- Price-sensitive applicants — from €42.88/month is notably cheaper than Adeslas
- Anyone who wants a 12-month contract and annual flexibility to reassess
- Applicants aged 66–70 — ASISA accepts to 70, Adeslas standard cutoff is 65
- Applicants relocating to Madrid, Sevilla, Zaragoza, or Cádiz — HLA hospital network present
- Those who want owned hospital infrastructure as part of their cover
- Applicants not certain about long-term plans who want annual optionality
Who should choose Adeslas?
- Applicants in regions where Adeslas's broad contracted network is a key advantage
- Under-44 applicants who confirm a three-year commitment suits their plans
- Those for whom network breadth is the primary consideration over owned infrastructure
Summary: ASISA wins on most practical criteria
For most applicants choosing between these two specifically, ASISA offers the stronger overall position — lower from-price (€42.88/month vs Adeslas €51.67/month), 12-month contract versus Adeslas's 36-month lock-in, higher max joining age (70 vs 65 standard), and owned hospital infrastructure through HLA. On price, contract flexibility, age acceptance, and hospital quality, ASISA holds the advantage.
Adeslas's genuine advantage is national network breadth — one of Spain's largest contracted cuadros médicos. For applicants in provinces where ASISA's network coverage is notably thinner, Adeslas may provide better local access. Always check both cuadros for your destination province.
The honest summary: for the majority of applicants making this specific comparison, ASISA is the stronger value proposition. Get personalised quotes from both, check your destination province's cuadro médico, and factor the 36-month Adeslas commitment carefully before deciding.
Note: ensure your policy is issued as a visa-compliant route — ASISA Health Residents or Adeslas Extranjeros — and not a standard consumer product that may include waiting periods. Confirm this with your specialist before purchasing.
Frequently asked questions
For most applicants, ASISA offers stronger overall value — cheaper from-price (€42.88/month vs €51.67/month), 12-month renewable contract vs Adeslas's 36-month lock-in, higher max age (70 vs 65 standard), and HLA owned hospitals. Adeslas's advantage is its larger national contracted network. Both are DGSFP-authorised.
ASISA is cheaper at entry level — from €42.88/month versus Adeslas from €51.67/month. That is approximately €9/month or €107/year at entry level. From-prices are indicators; your actual premium is confirmed at quote based on age, province, and underwriting.
ASISA is a 12-month contract, renewable annually. Adeslas Extranjeros is a 36-month non-breakable contract — you are committed for three full years from the start date.
ASISA accepts to age 70. Adeslas has a standard cutoff of 65 (case-by-case above that). For applicants aged 66–70, ASISA is the appropriate choice between these two.
Yes — ASISA is linked to the HLA Grupo Hospitalario with 18 hospitals and 20 owned medical centres across Spain. Strongest in Madrid, Sevilla, Huelva, Cádiz, and Zaragoza. Adeslas has no owned hospital infrastructure.
Yes — both ASISA Health Residents and Adeslas Extranjeros include repatriation cover.
No — neither includes dental as standard. For dental from day one, consider Sanitas Residents Visa, which includes 45+ free dental services as standard.
Both ASISA and Adeslas typically issue the certificate within 48–72 hours via your agent. Allow at least 3 working days before your consulate appointment.
ASISA operates primarily in Spanish for customer service and administration. English may be available from individual providers in expat-heavy areas, but administrative matters are handled in Spanish. For comprehensive English support, consider Sanitas or ASSSA.
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 situation
From-prices are a starting point. Your actual premium depends on your age, province, and underwriting. Get a personalised comparison across ASISA, Adeslas, 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.