In this article
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
Issued and signed by Sanitas with everything your consulate or the Immigration Office (Extranjería) requires: under 24 hours guaranteed, and up to 48 h with pre-existing conditions or bank-transfer payment.
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 8 languages
We explain your policy, certificate and application requirements in Spanish, English, German, French, Italian, Portuguese, Russian or Chinese, 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, ages 14 to 35)
- Digital nomad and remote work visa
- Family reunification
Complete health coverage
- General medicine, specialists and pediatrics with no waiting
- Hospitalization and procedures with no limit on days (psychiatric stays up to 50 days a year)
- 24-hour emergency care across Spain
- Diagnostic tests, including high-complexity procedures
Application documentation
- Sanitas 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"
Visa insurance: why take it out with us
Residents Visado meets what consulates ask for residency: no copays, no waiting periods and full coverage. Taking it out with Oficina Sanitas Majadahonda gives you more: the certificate ready for your application, the same person from our team from start to finish and service in 8 languages for you and your family.
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*Certificate guaranteed in under 24 h; up to 48 h with pre-existing conditions or payment by bank transfer. Indicative comparison from October 2026 based on public information. Always check the terms of each policy before you sign up. Sanitas is a registered trademark of Sanitas, S.A. de Seguros.
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 certificate issued by Sanitas for each of them.
Does it cost less 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 lowers the premium per person: lower with 2 or 3 insured and lower still with 4 or more. Also, all the expiry dates fall on the same day when you take out the policies together, 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 this lower price automatically according to the people you add.
How much does the insurance cost for each reunited person?
It depends on each member's age, the declared residential postcode and how many of you are enrolled together. An example under the Sanitas rates of April 2026 with annual payment in Madrid: with Residents Visado, a person aged 30 to 34 insured alone pays €1,544.89 a year; a couple of that age pays €2,895.55 between the two of them (€1,447.75 each); and a family aged 40, 38, 10 and 8 pays €4,535.74 for the four of them. 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?
Sanitas issues each certificate in under 24 hours from taking out the policy, guaranteed (up to 48 hours if there are pre-existing conditions or you pay by bank transfer), even when 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, Residents Visado (the version without waiting periods) can be paid half-yearly or annually for each person, but not monthly or quarterly; for the procedure we recommend annual payment.
Are each family member's NIE renewals handled separately?
The insurance renews every year for each person. Since everyone was enrolled together, the expiry dates are aligned: the office sends a reminder well ahead of that common date so that 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.