ASSSA vs Adeslas: at a glance
| Feature | ASSSA | Adeslas |
|---|---|---|
| Plan name | ASSSA Standard / Plus | Adeslas Extranjeros |
| From price | ~€53/month (quote required) | €51.67/month (published) |
| Contract length | 12 months, renewable ✓ | 36 months (tied in) |
| Max joining age | 74 ✓ | 65 standard* |
| Age-based premium increases | No age increases ✓ | Yes — higher at each band |
| 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 | Multilingual — expat-focused ✓ | Limited — primarily Spanish |
| Geographic coverage | Mainly SE Spain | National ✓ |
| Quirónsalud hospitals | Not included ⚠ | Via contracted network |
| DGSFP authorised | ✓ | ✓ |
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, check the ASSSA cuadro médico carefully before purchasing to confirm that adequate hospital cover is available in your area without Quirónsalud.
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.
Price: broadly comparable at entry level, but ASSSA has no age increases
Adeslas Extranjeros is publicly priced from €51.67/month (€620.04/year) for applicants aged 0–44. 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 for younger applicants.
The important long-term difference: ASSSA does not increase premiums with age. Adeslas's published tariff rises steeply — €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. For applicants over 50 comparing these two policies over a multi-year horizon, ASSSA's no-increase structure can make it materially cheaper in the longer term, even if the entry-level benchmarks appear similar.
| Age band | ASSSA | Adeslas /year (published) |
|---|---|---|
| 0–44 | ~€53/mo — confirm via quote | €620.04 |
| 45–54 | No age-based increase ✓ | €875.16 |
| 55–59 | No age-based increase ✓ | €1,176.00 |
| 60–64 | No age-based increase ✓ | €1,573.08 |
| 65–74 | ASSSA accepts to 74 — no age increase ✓ | €2,152.92 (65–70)* |
ASSSA does not publish a fixed tariff — figures are approximate benchmarks. Adeslas prices from publicly published Extranjeros tariffs. *Adeslas standard max joining age 65; above 65 case-by-case. Always confirm 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 two.
For expat applicants 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 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 and does not apply age-based premium increases. These two features combined make ASSSA particularly valuable for applicants in their 50s, 60s, and early 70s — both for initial acceptance and for long-term cost stability.
Adeslas has a standard entry cutoff of 65 (case-by-case above that), and its published tariff escalates steeply by age band. For an applicant over 55 or 60 comparing these two policies over a multi-year period, ASSSA's no-increase structure is likely to be materially cheaper — even if the entry-level benchmarks look similar.
Multilingual support: ASSSA's key differentiator
ASSSA was designed with the international expat community in mind. Multilingual customer service — in English and other languages — is one of its defining features. This means day-to-day administration (authorisations, certificate management, claims queries) is accessible to applicants who do not yet speak Spanish fluently.
Adeslas operates primarily in Spanish. For administrative matters — claims, authorisations, certificate queries — you are dealing with a Spanish-language operation. In expat-heavy areas, individual providers may speak English informally, but this is at the provider's discretion rather than Adeslas policy.
Network: SE Spain focus, and no longer with Quirónsalud
ASSSA's network is strongest in south-east Spain — Alicante, Valencia, Murcia, and Málaga. These are among Spain's most popular expat regions and ASSSA has deep roots in serving the international community there. For applicants relocating elsewhere in Spain, ASSSA's coverage is more limited.
The critical network point: ASSSA no longer works with Quirónsalud hospitals. Quirónsalud is Spain's largest private hospital group. If Quirónsalud is the main private hospital option in your destination area, ASSSA may not provide the hospital access you need. Always check the current ASSSA cuadro médico for your specific province before purchasing.
Adeslas has one of Spain's largest contracted cuadro médico networks nationally — including access to major hospital groups. This is a meaningful advantage for applicants relocating outside south-east Spain or in areas where Quirónsalud infrastructure is important.
Relocating to south-east Spain? ASSSA is specifically designed for expats in Alicante, Valencia, Murcia, and Málaga — but always verify Quirónsalud cover is not needed in your specific area.
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 that Quirónsalud is not required in their destination area
Who should choose Adeslas?
- Applicants relocating outside south-east Spain where ASSSA's network is limited
- Applicants whose destination area relies significantly on Quirónsalud hospitals
- Under-44 applicants comfortable with a 36-month 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
Two important caveats dominate this comparison. 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. ASSSA's 12-month contract is meaningfully more flexible.
Second, ASSSA no longer works with Quirónsalud hospitals. For applicants where Quirónsalud is the main private hospital in their destination area, this is a hard stop — check the ASSSA cuadro médico before purchasing.
Beyond those factors, the comparison is destination-driven. ASSSA is the stronger choice for applicants relocating to south-east Spain — it offers multilingual support, annual flexibility, no age-based premium increases, and max age 74. Adeslas is the stronger choice for applicants outside south-east Spain who need national network breadth, or where Quirónsalud access is important.
Note: ensure your policy is issued as a visa-compliant route — the relevant ASSSA visa product or Adeslas Extranjeros — 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 in south-east Spain — 12-month contract, multilingual support, no age increases, max age 74. Adeslas is better for applicants outside south-east Spain or in areas relying on Quirónsalud (which ASSSA no longer includes). Note Adeslas's 36-month contract is a significant commitment. Both are DGSFP-authorised.
No — ASSSA no longer works with Quirónsalud hospitals. If Quirónsalud is significant in your destination area, check the ASSSA cuadro médico carefully before purchasing.
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 does not apply age-based premium increases. Adeslas's tariff escalates significantly by age band. For applicants over 50, ASSSA is likely cheaper over the long term despite broadly similar entry-level benchmarks.
ASSSA accepts applicants to age 74. Adeslas has a standard cutoff of 65 (case-by-case above that). For applicants aged 66–74, ASSSA is the appropriate choice between these two.
Yes — multilingual support is one of ASSSA's defining features. It provides support in English and other languages, designed specifically for the international expat community. 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 elsewhere, Adeslas provides broader national access.
No — neither includes dental as standard. For dental from day one, consider Sanitas Residents Visa, which includes 45+ free dental services as standard.
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. Get a comparison across ASSSA, 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.