Sanitas vs Caser Salud for Expats in Spain: Which Is Better in 2026?

On paper yes, and it is the row where Caser is clearly strongest for an expat: it reimburses up to €15,000 a year for medical care abroad, which Sanitas Más Salud does not highlight as a comparable benefit. If you fly home several times a year and want cover while you are there, that is a genuine argument in Caser's favour. Two caveats before you decide on it alone: reimbursement means you pay the clinic first and claim afterwards, with the paperwork that implies in another country, and if your trips abroad are long or frequent you may be better served by a properly international policy — Sanitas Global Care runs on the Bupa Global network from €118 a month. Tell us how many months a year you spend outside Spain and we will tell you which of the three actually fits.

Caser, in most cases. Its Prestigio plan refunds 80-90% of out-of-network specialist fees with no copays, and Integral and Prestigio also refund pharmacy and optical costs, whereas with Sanitas free choice requires the specific Más Salud with Reimbursement product from €111.73 a month for an 80% refund up to €90,000 a year. Where Sanitas wins is on the opposite model: inside its network you book, attend and pay nothing, with no claim forms and no upfront payment — which for many expats is the point, because doing reimbursement paperwork in a language you are still learning is its own kind of cost. The honest question is not which insurer is better but which of the two models suits how you use healthcare.

No, and it is one of the clearest differences on the table. With Caser, dental is a separate plan — Salud Adapta + Dental, or the standalone Sonrisa Perfecta policy — with its own premium. With Sanitas, basic dental comes included in Más Salud, backed by 200 Sanitas-owned dental clinics, and you can upgrade to Dental Milenium at €12.90 a month for adults or €9.90 for under-15s, or Dental Premium at €20.00, with more than 40 treatments at no extra cost. When you compare monthly totals, price the dental into the Caser column or the comparison is not measuring the same product.

Because we are an exclusive Sanitas agent, so we work from the official Sanitas rate card and can tell you the exact premium for your age and postcode: for a 35-year-old in Madrid, €74.81 a month in the high-copay tier, €86.88 in the low-copay tier and €116.82 with no copays, plus 5-8% family discount and 4% for annual payment. Caser publishes only 'from' prices per product, roughly €15-36 a month depending on plan and promotion, and those entry figures usually correspond to reduced cover rather than to a plan comparable with Más Salud. Our advice: ask Caser for a written quote for the same cover level and compare that against our exact figure, not against their headline price.

With Sanitas, yes: entry is possible up to 75, and through Único +60 there is no upper entry age at all from 60 onwards, with no health questionnaire in that product. With Caser, standard plans cap entry at 69, so at 70 you would need their specific Salud +60 product, which has no upper limit. Two things worth knowing at that age either way: the age limits apply to taking the policy out, not to staying insured, so the policy renews for life once issued; and if you need the insurance for a non-lucrative visa, the certificate must show no copays and no waiting periods, which is not automatic in every senior product. Send us your exact age and we will tell you which products you actually qualify for.