Healthcare
Spain — Healthcare: Private Health Insurance
Private health insurance is used to bypass public waitlists, access private hospital hubs, and secure English-speaking consultations. Major providers: Adeslas (market leader, integrated with CaixaBank), Sanitas (Bupa group), Asisa, and DKV Seguros. For Non-Lucrative Visa or structural residency applications, policies must be underwritten sin copagos (zero co-payments) and sin carencias (zero waiting periods for diagnostics), plus a full medical repatriation coverage add-on. 2026 average monthly premiums (sin copagos): €45-65 (under 30), €60-95 (30-50), €110-185 (50-65), €200-350+ (65+, heavily dependent on medical history screening).
VerifiedGovernment / official sourceDirección General de Seguros y Fondos de Pensiones (DGSFP)Last reviewed: 2026-07-17
Key facts
- Major providers: Adeslas, Sanitas (Bupa), Asisa, DKV Seguros.
- Visa-compliant policies must be sin copagos (zero co-payments) and sin carencias (zero waiting periods), plus repatriation coverage.
- 2026 monthly premiums (sin copagos): €45-65 (under 30), €60-95 (30-50), €110-185 (50-65), €200-350+ (65+).