Short answer: from around €30 per month for everyday private cover, or from around €70 per month for a visa-compliant policy. Sanitas has a plan for every budget — I'll tell you honestly which one you actually need.
Real ranges below.
Then an exact quote in 24 hours.
I'm Yana — official Sanitas agent. I write personal quotes every day. Every price includes the current promotional discounts, priced for your exact age, city and family setup.
The ranges on this page are typical starting prices for Sanitas Residents Visado in 2026. Your final price depends on your age band, city, discount eligibility and family size — send me your details and I come back with the real number within 24 hours.
These are typical starting prices for a no-copay, visa-compliant policy in most Spanish cities. Sanitas Más Salud (everyday cover, not for visa) sits lower. Sanitas Residents Platinum sits higher.
All ranges below are for a single adult on Sanitas Residents Visado — the standard no-copay, visa-compliant policy. City, discounts and family size adjust the exact number.
All prices above are indicative. Your exact quote depends on your specific age within the band, city, current promotions, and any family or couples grouping. I send exact numbers by email within 24 hours.
If you're already in Spain (or don't need a visa-compliant policy), Sanitas has meaningfully lower-cost plans that still give you fast private access to specialists, tests and appointments. Not every situation needs full cover — outpatient plans are excellent for real needs at a real price.
Not every situation needs the top plan. Tell me your age, city and how often you actually visit doctors — I'll honestly tell you which level is worth paying for.
Sanitas doesn't invent prices — they're calculated. Here's what changes the final quote.
Sanitas prices by age band — typically 5-year windows. Buying at age 39 vs 40 can put you in a different band for that year, so timing matters at the edges.
Prices vary slightly by province. Madrid and Barcelona sit at the higher end of the typical range. Coastal areas like Alicante, Murcia and Málaga tend to sit at the lower end.
Sanitas Más Salud (everyday, with copay) is the cheapest. Sanitas Residents Visado (visa-compliant, no copay) sits in the middle. Sanitas Residents Platinum (worldwide + USA) sits at the top. I always tell you honestly which one you actually need.
Two adults grouped together usually pay less than two individual policies. Families of three or more move to Sanitas Más Salud Familias — cheaper per person and with extra benefits.
Sanitas runs promotions throughout the year — free months, first-year discounts, Blua unlocked at no extra cost. I apply every promotion you qualify for. That's often 10–20% off the list price.
Paying annually instead of monthly gives you an additional discount — typically around 4% of the total premium. Small on one policy, meaningful across a family of four over several years.
Prices scale better when you group. Here's how it works with Sanitas.
Two adults on Sanitas Residents Visado grouped as a couple typically save a small percentage versus two separate policies. The paperwork is also cleaner — one contract, one renewal date, one invoice.
For couples over 60 without a visa need, Sanitas Único can be worth exploring — no health questionnaire.
Families of three or more move onto Sanitas Más Salud Familias, which is priced per person but at meaningfully better rates than stacking individual policies. It also adds dental cover for everyone, family psychology sessions, and additional benefits designed for a household.
If any family member needs the visa-compliant version (no copay, no carencias), we can combine plans.
Behind every quote I send is a real conversation. This is where those quotes get written.
The ranges above are indicative. Your actual quote depends on details I need from you — but only six.
No auto-reply. No call centre. Just me looking at your details and coming back with the real number.
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No — this is one of the biggest misconceptions I hear.
You do NOT need a NIE, a TIE, or Spanish residency to have private healthcare in Spain. You do NOT need a Spanish bank account either.
Every Sanitas plan can be set up with just two things:
That means you can arrange your policy before you arrive in Spain (for a visa application), while you're still a tourist, or as an expat who hasn't finished the residency paperwork yet.
When you later have your NIE and Spanish bank details, we simply update the policy — no interruption, no re-issuing, no lost cover.
No. The price is exactly the same whether you're a Spanish citizen, a resident, or a non-resident.
Sanitas prices its policies by age, city and plan tier — not by nationality or residency status. A 45-year-old British national on Sanitas Residents Visado pays the same as a 45-year-old Spaniard on the same policy in the same city.
The only thing your residency status might affect is which plan makes most sense for you (visa-compliant vs everyday cover). The pricing itself is identical.
Sanitas prices its policies by age band — typically 5-year windows. Every time you cross into a new band, your premium moves up.
That's standard practice for private health insurance in Spain. It's also why buying at age 39 rather than 40 can lock you into a lower band for that year — the timing of your signup matters at band edges.
Yes. Sanitas Más Salud Familias is priced per person, but at meaningfully better rates than stacking four individual policies. It also adds benefits that don't exist in individual plans — dental cover for everyone, family psychology sessions, and additional preventive services.
If any family member needs the visa-compliant version (no copay, no carencias), we can combine — one member on Residents Visado, the rest on Familias.
If you need it for a visa application: yes, without question. Sanitas Más Salud with copay does not meet consulate requirements. Residents Visado does.
If you don't need it for a visa: Sanitas Más Salud with the "no copay" option is the closest everyday equivalent and slightly cheaper. Both give access to the same medical network — the differences are in copay structure, waiting periods, and the visa certificate.
I'll tell you honestly which one fits your situation.
Short answer: no. Copays (copagos) in Sanitas are small fixed fees per specialist visit — typically €4 to €15. Not the kind of copays people fear in other healthcare systems.
Here's why a plan with copays can actually be the smart choice:
If you're generally healthy and use private cover mostly as peace of mind — "in case something serious happens" — a plan with copays saves you meaningful money each year without giving up any real protection.
Important: for Spanish visa applications you need a no-copay policy (consulate requirement). Outside of visas, don't rule out copay plans automatically. Tell me your situation and I'll tell you which one honestly saves you the most over the year.
Private health insurance in Spain is exempt from VAT (IVA) — there is no tax added on top of the premium.
The number I quote you is exactly what you pay. No hidden costs, no surprise charges, no fine print. What you see monthly or annually is the whole story.
No. Once your annual policy is issued at a set price, that price stays fixed for the whole policy year. Sanitas reviews prices at renewal — typical annual adjustments are in the 3–7% range, reflecting healthcare inflation and your possible move into a new age band.
Yes. Self-employed autónomos in Spain can deduct private health insurance premiums as a business expense — up to €500 per year for yourself, spouse and each child under 25. For higher-value clients, that alone can offset a meaningful chunk of the annual cost.
Talk to your gestor for the specifics of your case, but the deduction is standard and long-established.
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