Related guide: Spain visa insurance requirements by consulate
What you need to know
The key details explained without fine print, just as we explain them in the office.
Certificate in under 24 hours
An official Sanitas document with every mention your consulate or the Immigration Office (Extranjería) requires, ready in under 24 hours guaranteed.
No copays, no waiting periods
The two most common reasons for rejection are ruled out: full coverage from day one and zero payments per medical visit.
Coverage across all of Spain
Valid nationwide with Sanitas' full network of doctors, equivalent to the service portfolio of the public healthcare system.
Repatriation included
Medical and remains repatriation as required by your visa type, another clause consulates scrutinize closely.
Support in English
We explain your policy, certificate and application requirements in Spanish or English, and review the consulate's checklist together with you.
Renewals without surprises
To renew your NIE or TIE (Foreigner Identity Card) you need to prove continuous insurance. We notify you before it expires and issue the new certificate.
What the policy covers (and what it doesn't)
Indicative coverage based on the general terms. Our office team provides the complete policy terms before you sign anything.
Valid for these procedures
- Non-lucrative residence visa
- Student visa and permit (Type D) (via Sanitas International Students up to age 35)
- Social, work and family roots settlement (arraigo)
- Digital nomad and remote work visa
- Family reunification and Golden Visa
Complete health coverage
- General medicine, specialists and pediatrics with no waiting
- Hospitalization and procedures with no limit on days
- 24-hour emergency care across Spain
- Diagnostic tests, including high-complexity procedures
Application documentation
- Official certificate in Spanish (and in English if required)
- Receipt for the paid annual premium, required by most consulates
- Policy terms with an explicit statement of "no copays and no waiting periods"
Why not just any insurance will do for your visa
It's the costliest mistake we see: submitting travel insurance or a policy with copays, only to be rejected months later. This table sums up what Immigration requires and what each type of insurance actually meets.
Swipe the table to see all columns
| Coverage | Residents Visado | Residents Platinum | Sanitas Students | Standard policy | Travel insurance |
|---|---|---|---|---|---|
| Valid for residency (non-lucrative, studies, roots settlement…) | Student visas and permits only | Only if it has no copays or waiting periods | |||
| Age limit | Up to 75 years old | Up to 64 years old | Up to 35 years old | Depends on plan | Depends on policy |
| No copays | Usually not | Not applicable | |||
| No waiting periods | Usually not | ||||
| Coverage equivalent to public healthcare | Emergencies and limited assistance only | ||||
| Repatriation included | Depends on policy | ||||
| Free choice of doctors (reimbursement) | Yes (90% reimbursement up to €500,000) | Depends on policy | |||
| Certificate specific to the consulate | Under 24 h | Under 24 h | Under 24 h | Depends on insurer | |
| Valid for renewing NIE/TIE | Yes, for students | Depends on terms |
Indicative comparison prepared in June 2026 based on public information from each entity and general market conditions. Exact coverage and premiums depend on each policy and may vary: always verify current conditions with each insurer. Sanitas is a registered trademark of Sanitas, S.A. de Seguros; all other trademarks belong to their respective owners.
Have questions about your situation?
Tell us your case and we'll help you choose the right option for free, no obligation.
Common questions
Direct answers, the same we give at the office.
Can I file a single insurance policy for the whole reunited family?
No. The rule the immigration authorities apply is one policy per person: each reunited member — partner, children or other relatives included in the application — must prove their own insurance with the same requirements as the sponsor: full coverage, no copays, no waiting periods and repatriation included. A generic «family» policy from another insurer that does not break down each person's individual coverage usually triggers a request to complete the documents. What you can do — and what we arrange at the office — is enrol all the members in the same contract, with an individual official certificate for each of them.
Is there a discount if I take out the whole family's insurance together?
Yes. Although each person needs their own policy, enrolling the whole family in the same contract lets you apply the multi-insured discount included in Sanitas's official prices: between 5% and 8% depending on the number of people. Also, by taking out the policies together, all the expiry dates fall on the same day, so in the following years you only get one renewal notice for the whole household instead of separate dates for each person. The calculator on this page applies the discount automatically according to the people you add.
How much does the insurance cost for each reunited person?
From €67.76/month per person, with the multi-insured discount applied if the policy is taken out together with the rest of the family. The exact price of each policy depends on each member's age and the declared residential postcode. The calculator on this page lets you add every family member in the application and see the breakdown and the combined total without giving any personal details.
How long does it take to get the certificates for all the family members?
Each certificate is issued in under 24 hours from taking out the policy, guaranteed, regardless of whether several people are enrolled at once: you will receive an individual PDF signed by Sanitas for each member of the application, stating expressly full coverage, no copays, no waiting periods and repatriation included. If any detail on any of the certificates has a typo, it is corrected and reissued immediately without affecting the rest of the family.
Is each person's annual premium paid separately?
In the first year, yes: each policy carries its own annual premium paid in advance, because it is a requirement of the procedure — proving full coverage for the twelve months of each reunited person — not a commercial condition of Sanitas. At the office we prepare a joint quote for the whole family so you can see the total at once, although each receipt is issued individually together with the corresponding certificate. At renewal, if a member's situation no longer requires the annual premium paid in advance, you can ask about switching that specific person to instalments.
Are each family member's NIE renewals handled separately?
The insurance renews every year for each person, and since everyone was enrolled together, the expiry dates are aligned: the office sends a reminder well ahead of that common date, so the renewal of every member's insurance is ready before each person's NIE or TIE renewal appointment. This avoids the most common scenario when each relative took out insurance on their own on different dates: losing track of one person's expiry and ending up without valid coverage just before an appointment.