Terms of Service

1. About us

This website (visatokeys.com) is operated by:

• Name: Yana Sokosyuk
• Trading as: Visa to Keys
• Tax ID (NIF): X5944677M
• Address: Calle Río Sangonera 4, 2B, 30740 San Pedro del Pinatar, Murcia, Spain
• Email: yana@visatokeys.com
• Phone: +34 622 308 875
• Professional role: Official Sanitas Health Insurance Agent, registered under Agent Code C0320X5944677M.

2. Purpose of this website

Visa to Keys provides information and personalised quotes for Sanitas health insurance products in Spain, with a special focus on:

• Health insurance for visa applications (Non-Lucrative Visa, Digital Nomad Visa, Student Visa, Family Reunification, etc.).
• Private health insurance for residents and expats in Spain.
• Follow-up support, policy management, and general guidance.

This website is not a direct insurance seller. Insurance contracts are formalised directly with Sanitas S.A. de Seguros. Yana Sokosyuk acts as an authorised intermediary (Official Sanitas Agent).

3. Use of the website

By using this website, you agree to:

• Provide accurate, complete, and up-to-date information when requesting a quote.
• Use the website only for lawful purposes.
• Not attempt to access, hack, or disrupt the website or its systems.
• Not use automated means to scrape or copy content.

4. Insurance quotes

Quotes provided through this website are indicative and based on the information you supply. Final prices and conditions are determined by Sanitas S.A. de Seguros according to:

• The age and health profile of each insured person.
• The city/postcode where the policy will apply.
• The specific plan selected.
• Any applicable discounts or promotions at the time of contract.

Discounts and promotional offers mentioned on this website are subject to Sanitas's commercial policy and may be modified or withdrawn by Sanitas at any time without prior notice.

5. Our commitment

We commit to:

• Providing honest and transparent information about Sanitas insurance products.
• Responding to your enquiry within a reasonable time (usually within 24 hours on business days).
• Protecting your personal data in accordance with our Privacy Policy.
• Supporting you with your policy before, during, and after contracting.

6. Limitation of liability

We take every care to provide accurate information, but we cannot be held liable for:

• Decisions made by Sanitas regarding policy underwriting, acceptance, or rejection.
• Changes to insurance prices, coverage, or terms made by Sanitas.
• Visa decisions made by Spanish consulates or immigration authorities.
• Delays or technical issues outside our reasonable control.

Our maximum liability (where applicable) is limited to the amount of any commission actually received from Sanitas in connection with your policy.

7. Intellectual property

All content on this website — including text, images, logos, design, and code — is the property of Visa to Keys (unless otherwise indicated, such as the Sanitas and Bupa logos, which belong to their respective owners). You may not copy, reproduce, or redistribute content without written permission.

8. Third-party links

This website may contain links to third-party websites (e.g. Sanitas.es, Instagram). We are not responsible for the content, policies, or practices of those external sites.

9. Changes to these Terms

We may update these Terms of Service occasionally. The latest version will always be available on this page with the updated date.

10. Governing law and jurisdiction

These Terms are governed by the laws of Spain. Any disputes shall be submitted to the courts of Murcia, Spain, unless mandatory consumer law provides otherwise.

11. Contact

For any questions about these Terms:

Email: yana@visatokeys.com
Phone / WhatsApp: +34 622 308 875