Adeslas Extranjeros: 36-month commitment
Adeslas Extranjeros is a 36-month non-breakable contract. You are tied in for three full years. Caser is a 12-month contract. This is the most significant structural difference between the two policies and affects your ability to switch, reassess, or exit your policy if your circumstances change after year one.
Caser vs Adeslas: at a glance
| Feature | Caser | Adeslas |
|---|---|---|
| Plan name | Caser Adapta + Dental + Repatriation | Adeslas Extranjeros |
| From price | €46.95/month ✓ | €51.67/month |
| Contract length | 12 months ✓ | 36 months (tied in) |
| Max joining age | 69 ✓ | 65 standard* |
| Dental cover | INCLUDED (Sonrisa Esencial) ✓ | Not included |
| Repatriation | ✓ (named in plan) | ✓ |
| No copayments | ✓ | ✓ |
| No waiting periods | ✓ | ✓ (visa route) |
| Certificate | 48–72 hrs via agent | 48–72 hrs via agent |
| Network | 45,000+ professionals | Contracted third-party |
| English support | Via 247 Expat Insurance ✓ | Limited — primarily Spanish |
| NIE required | No NIE required ✓ | Confirm with agent |
| DGSFP authorised | ✓ | ✓ |
Why Caser wins this comparison
There are four clear reasons Caser is the stronger policy in this head-to-head:
1. Dental included as standard
Caser Adapta includes the Sonrisa Esencial dental benefit from day one. This is not an add-on. It is built into the standard policy — no waiting periods, no separate arrangement. Among all non-Sanitas visa-compliant insurers, Caser is the only one that includes dental as standard. Adeslas Extranjeros does not include dental. Adult dental care is not covered by the Spanish public health system, making dental provision a recurring cost for anyone living long-term in Spain. Having it included in the base policy is a meaningful, practical advantage.
2. Lower from-price
Caser is publicly priced from €46.95/month versus Adeslas from €51.67/month — approximately €4.72/month or €56.64/year less at entry level. This is before accounting for dental. Once dental is factored in (which most Adeslas policyholders will need to arrange separately), the effective total cost gap is significantly larger.
3. 12-month contract vs 36-month
Caser is a 12-month contract with auto-renewal and one month's notice to cancel. Adeslas Extranjeros is a 36-month contract. You are committed for three full years. If your circumstances change — you move region, want to switch insurer, return home, or simply want to reassess annually — Caser gives you that flexibility every 12 months. Adeslas does not.
4. Higher standard maximum joining age
Caser accepts applicants up to age 69. Adeslas's standard maximum is 65 (case-by-case above that). For applicants aged 65–69, Caser is available for straightforward enrolment and Adeslas is not without medical review. Note the absolute limit for Caser: anyone aged 70 or over cannot use Caser and should look at DKV (max 75) or Sanitas (max 75) instead.
Adeslas age-band pricing vs Caser
| Age band | Adeslas /year | Caser from /month |
|---|---|---|
| 0–44 | €620.04 (€51.67/mo) | €46.95/mo ✓ |
| 45–54 | €875.16 (€72.93/mo) | Confirm via quote |
| 55–59 | €1,176.00 (€98/mo) | Confirm via quote |
| 60–64 | €1,573.08 (€131/mo) | Confirm via quote |
| 65–69 | €2,152.92 (€179/mo) — case-by-case | Confirm via quote (Caser max 69) |
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.
Who should choose Caser?
- Applicants aged under 70 who want dental included from day one — the key differentiator
- Anyone who wants a 12-month contract — Adeslas's 36-month lock-in is a major negative
- Cost-conscious applicants — €46.95/month vs €51.67/month before dental is added
- Applicants aged 65–69 — Caser's standard maximum is 69; Adeslas requires medical review above 65
- English-speaking applicants — 247 Expat Insurance provides full English support for Caser
Who should choose Adeslas?
- Applicants where Adeslas's local network is demonstrably broader in their specific province — verify both cuadros first
- Applicants fully comfortable in Spanish who need no English admin support
Adeslas has very few advantages over Caser in this comparison. The 36-month contract is a significant negative for most visa applicants making a new life in Spain.
Our verdict
Caser is the clear winner in this comparison for applicants under 70. Lower price, dental included, 12-month contract, higher standard maximum joining age. The Adeslas 36-month contract is a genuine structural disadvantage that affects your flexibility for three full years. The absence of dental means a separate arrangement and additional cost.
The only scenario where Adeslas makes sense over Caser in this comparison is if your specific local network is materially stronger with Adeslas — worth verifying, but not a given across all provinces.
If you are aged 70 or over: neither insurer can help you. Caser's maximum is 69, Adeslas's standard maximum is 65. Look at DKV (max 75) or Sanitas (max 75), or use the full comparison tool below.
Want to compare all insurers including Sanitas? Use our full comparison tool at /compare/get-a-quote/ — every major insurer matched to your age, visa type, and province.
Frequently asked questions
Caser is better for most applicants under 70. Cheaper (€46.95/month vs €51.67/month), dental included as standard, 12-month contract vs Adeslas's 36-month commitment, and accepts to age 69 vs Adeslas's standard 65 maximum. For applicants aged 70 or over, neither is available — consider DKV or Sanitas.
Caser Adapta has a maximum joining age of 69. If you are 70 or over, Caser cannot accept your application. DKV (max 75) and Sanitas (max 75) are the main alternatives for applicants in this age group.
Yes. Caser Adapta includes the Sonrisa Esencial dental benefit as standard — it is part of the policy, not an add-on. Adeslas Extranjeros does not include dental. Among non-Sanitas visa-compliant insurers, Caser is unique in including dental as standard.
No. Adeslas Extranjeros is a 36-month contract. You cannot cancel or switch after year one. Caser is a 12-month contract with auto-renewal and one month's notice to cancel. This is one of the most significant practical differences between the two policies.
247 Expat Insurance (247expatinsurance.com) are specialist English-language agents for Caser. They handle the application, certificate process, and ongoing queries in English. Recommended for all English-speaking applicants considering Caser.
For most applicants, no. The 36-month contract locks you in even if your health changes, the network changes, or better options emerge. Caser's 12-month contract with auto-renewal lets you reassess annually. The only scenario where Adeslas makes sense is if you specifically want their network and are confident your situation will not change materially over three years.
Adeslas has the largest provider network in Spain with 44,000+ healthcare professionals. Caser's contracted network is broad across Spain but smaller in total scale. For most provincial areas both networks provide good day-to-day coverage. Adeslas's edge is raw network size; Caser's edge is lower cost, dental inclusion as standard, and annual contract flexibility.
Get a Caser quote — dental included from day one
247 Expat Insurance are specialist English-language agents for Caser. Get a personalised quote or compare all insurers including Sanitas at our full quote tool.
Or get a full comparison including Sanitas at /compare/get-a-quote/
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.