Health Insurance Comparison Spain 2026: The Big Six

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Comparison

Sanitas, Adeslas, Asisa, DKV, Caser and Mapfre: The Full Comparison

Each column is the medical-network plan from each company’s main range. The figures come from their 2026 product information notes and general terms and conditions and from their official websites. Every row has a real figure in all six columns; where a figure depends on the insurer’s own admission rules, we say so. Each cell summarizes the point; the detail on each company is in the five head-to-head comparisons with Sanitas on this blog. We include no prices from anyone, because they depend on province, age and plan; yours comes out of the calculator with your age and your postcode.

Swipe the table to see all columns

Coverage	Sanitas Más Salud	Adeslas (Plena range)	ASISA Completa	DKV Integral	Caser Salud Integral	Mapfre Salud
Medical network each company publishes	59,000+ professionals, 4,500+ centers and 5 own hospitals	43,000 professionals and 1,100+ partner centers; no own hospitals	50,000+ professionals; the group’s HLA hospitals, shared with other insurers	51,000+ professionals and 1,000 partner centers; no own hospitals	45,000+ professionals and 13,000 centers in a partner network	50,000+ professionals, 16 own centers and around 300 partner hospitals
Invoice reimbursement (choosing a doctor outside the network)	In Premium 500.000 (90%) and Más 90.000 (70%); Más Salud is a medical-network plan	Only in Plena Extra (80%); in Plena and Plena Plus, physiotherapy and podiatry only	Not in Completa; separate product, ASISA Reembolso (80% or 90%)	Not in Integral; separate product, DKV Mundisalud (80% or 90%)	Not in Salud Integral; in Salud Prestigio (90% inpatient, 80% outpatient)	Not in the medical-network plan; separate Seguro de Reembolso (80% or 90%)
Copays: no-copay version and copay version	Más Salud with no copays; Plus, Óptima and Avanza with a published schedule (Avanza, cap €350/year)	Plena and Plena Vital: €2.70 per basic consultation; Plena Plus and Plena Extra with no copay	Completa with no copays; Completa+ from €2.50 to €10 per service with no cap; Completa++ up to €40, cap €300/year	Élite with no copay; Complet up to €185 per service, cap €600/year	No copay, first ten services with no copay, or copay from the first service (cap €395/year)	With copay: €3.61 to €11.53 per service with no cap; the no-copay version keeps some excesses (psychotherapy €12)
Dentist	Basic dental included; Milenium or Premium optional at 226 own clinics	Not included; separate Dental Familia module, priced per treatment	Not included; optional cover with a fee per treatment (implant €650)	Dental network priced per treatment; orthodontics, prostheses and implants excluded	Dental supplement; treatments at a listed fee (implant €635.80)	Basic included: annual cleaning, X-rays and extractions; the rest at an agreed price
Waiting period for hospitalization and inpatient surgery	10 months hospitalization, 3 outpatient surgery, 8 childbirth; can be waived when you come from another insurer, except childbirth	8 months hospitalization; 3 high-tech diagnostics and outpatient surgery	8 months hospitalization and childbirth; 6 outpatient surgery and high-tech diagnostics	8 months hospitalization and childbirth; 6 outpatient surgery; 12 transplants	8 months surgery, admissions and childbirth; waived with a year’s seniority at another insurer	8 months surgery, hospitalization and childbirth; 6 high-tech diagnostics and psychotherapy
Maximum enrollment age	Up to 75; Único +60 with no upper limit	Set by the insurer’s admission rules at enrollment	Up to 70	Up to 75	Up to 69	Up to 65 with hospitalization (75 only in Salud Esencial, with no inpatient cover)
Remote care and second opinion	24-hour video consultation (Blua) with no copay and second medical opinion	24-hour phone line and second medical opinion	24-hour emergencies by phone and second opinion; video consultation on its website	24-hour video consultation and chat (with the consultation copay) and international second opinion	24-hour doctor by phone and online with no copay, psycho-emotional support line and second opinion	24-hour medical guidance and international second diagnosis; video consultation on its website
Who looks after you after enrollment	Office with an exclusive agent in Majadahonda, 8 languages, reply in under 24 hours	Agencies, CaixaBank branches and intermediaries	Agencies, branch offices and intermediaries	Agencies, brokers and direct sales	Agencies, brokers and direct sales	Mapfre offices and intermediaries

Comparison prepared in September 2026 from the 2026 product information notes and general terms and conditions of Adeslas (Plena range), ASISA (Completa and Reembolso), DKV (Integral and Mundisalud), Caser (Salud Integral and Prestigio) and Mapfre (Salud and Seguro de Reembolso), published on their official websites, and from Sanitas product documentation. Exact cover depends on the plan taken out: always check the current terms before deciding. Sanitas, Adeslas, ASISA, DKV, Caser and Mapfre are registered trademarks of their respective owners.

Common questions

Direct answers, the same we give at the office.

Which is the best health insurance in Spain in 2026?

There is no single best one for everybody, but there is a best one for each person, and it comes down to four questions: whether you want hospitals owned by the insurer or a partner network is enough for you; whether you will want to choose a doctor outside the network, because then the product you need is the reimbursement one and not the basic plan; whether the dentist matters to you, because only Sanitas and Mapfre include it as standard, and to very different extents; and how much waiting period you can live with, especially if you are coming from another insurer and can ask to have it waived. With those four answers the table reads itself. At the office we go through that exercise with you with your current policy on the table.

Which insurer has its own hospitals?

Of the six, Sanitas is the only one with hospitals owned by the insurer, five in operation: four university hospitals in Madrid (La Zarzuela, La Moraleja, Virgen del Mar and the fully digital Valdebebas) and CIMA in Barcelona. ASISA has the 18 hospitals of the HLA group, but they are shared: the websites of its own HLA hospitals state that they work with the main insurers, Sanitas included. Mapfre has 16 own medical centers, which are outpatient, and around 300 partner hospitals. Adeslas, DKV and Caser provide hospital care through a partner network.

Which insurance includes the dentist?

Sanitas Más Salud includes basic dental as standard and, if you want more, Dental Milenium or Premium as a supplement, with 226 own dental clinics and no health questionnaire. Mapfre Salud includes a shorter basic dental: a treatment proposal, one cleaning a year, X-rays and simple extractions. With Adeslas, ASISA and Caser, dental is a separate module with its own premium or a price per treatment, and with DKV the dental network works with a copay for each treatment, with 152 treatments at a published price. If the dentist matters to you, read the dentist row before the price.

Which one has the shortest waiting periods?

For hospitalization, the five competitors publish 8 months and Sanitas publishes 10 for surgical groups III to VIII, with 3 months for outpatient surgery and 8 for childbirth. We say it as it is because that is what the terms and conditions say. The practical difference is elsewhere: if you come from another insurer, with Sanitas you ask for all the waiting periods to be waived except childbirth, and Sanitas decides when it processes the enrollment. Caser also waives them with a year’s seniority at the previous company. In practice, anyone switching insurers with the waiting period already served starts without it; anyone taking out insurance for the first time does not.

Where does invoice reimbursement sit at each company?

At none of the six is it in the basic medical-network plan. With Sanitas it is two dedicated products, Premium 500.000 with 90% up to €500,000 a year and Más 90.000 with 70% up to €90,000, and Top Quantum includes it as standard in the family specialties. With Adeslas only Plena Extra, at 80%. With ASISA it is ASISA Reembolso, at 80% or 90% with caps from €100,000 to €240,000. With DKV it is Mundisalud, with Caser it is Salud Prestigio and with Mapfre it is the Seguro de Reembolso. If anyone sells you a basic plan saying it has reimbursement, ask for the terms and conditions.

Up to what age can I take out each insurance?

Sanitas accepts enrollments up to age 75, with no maximum age for staying insured according to its product documentation, and the Único +60 plan has no upper limit from age 60. DKV publishes 75; ASISA 70 in Completa and Reembolso; Caser 69 in Salud Integral and Salud Médica; Mapfre 65 in the plans with hospitalization, and its 75 applies only to Salud Esencial, which does not cover admissions. Adeslas refers in its information notes to the insurer’s admission limits, so its age limit is confirmed at enrollment.

Why don’t you put prices in the comparison?

Because a price can only be compared with another one built on the same basis: same province, same age and same copay version. Each insurer quotes on its own basis, and putting the Sanitas price next to an empty cell would do Sanitas a disservice and mislead the reader. What you can do in a minute is work out yours with your age and your postcode in our calculator, and bring us the other company’s quote so we can set them side by side on the same basis.

I have a quote from another insurer. Will you compare it for me?

Yes, it is what we do every day at the Majadahonda office, and also by WhatsApp or video call from anywhere in Spain. We set your quote next to the Sanitas one with the same age, the same postcode and the cover you will actually use, and we tell you honestly where each one wins. And if you have already decided on Sanitas and bring an official quote from another Sanitas office or from the company itself, we will improve on it, guaranteed, with a reply in under 24 hours.

Health Insurance Comparison Spain 2026: The Big Six in One Table