Trusted Broker Directory
Expert guidance to secure the exact insurance coverage required for your Spanish Residency.
Our Vetted Broker Network
Curated by Bruno Bianchi, founder of SpainGuru (150,000+ members). Each broker is vetted through thousands of real visa applications from our community.
We earn a commission when you get a quote through our partners, at no extra cost to you. Our editorial recommendations are independent. Learn more
Gidea – Insbrok
Leading market comparison across DKV, ASISA, Sanitas, and Salus. Unbiased selection with multilingual expert support.
Innoinsure
Official alliance for DKV and ASISA. Eliminates middleman fees for lower pricing and 1–3 day certificates.
ASSSA
80+ years experience. Guaranteed Lifetime Stability with unique joining-age premium locking.
Exclusive Adeslas Agent
Exclusive agent with Immigration Law background. Direct access to Spain’s largest medical network.
Leading Spanish Carriers
Our brokers represent Spain’s premier insurers, ensuring your policy is backed by industry giants recognized by all consulates.
Adeslas
The largest national insurance provider in Spain with the widest network of doctors and healthcare facilities.
#1 Market ShareSanitas (Bupa)
Part of the Bupa international group, offering tech-forward digital services and dedicated English-speaking support.
Top Choice for ExpatsDKV
Europe’s largest health provider known for preventative wellness focus and high digital satisfaction ratings.
#1 for Preventive CareASISA
Medical-professional backed cooperative with one of the most comprehensive hospital networks in Spain.
Broadest Hospital AccessMAPFRE
Spain’s largest overall insurer, offering specialized residency-compliant plans with exceptional customer service.
Trusted Overall GiantASSSA
Specialized for 80+ years in native-language care for foreigners relocating to Spain.
Stable Lifetime CoverVerified Client Success
Not Sure Which Carrier to Choose?
Compare Adeslas, Sanitas, and DKV side-by-side — pricing, coverage, English support, and visa compliance.
Read the Full Comparison →Guides by Visa Type
Each Spanish visa has unique health insurance requirements. Choose your visa type for a detailed breakdown of what you need.
Non-Lucrative Visa
For retirees and those living in Spain without working. Full private coverage with zero copays is typically required by most consulates.
Read the 2026 Guide →Digital Nomad Visa
For remote workers earning €2,850+/month. You will generally need to prove private health coverage for the full stay.
Read the 2026 Guide →Student Visa
For students enrolled in Spanish programs. Most consulates require no copays, no waiting periods, and nationwide coverage.
Read the 2026 Guide →Essential Video Guide
Watch to understand the 2026 requirements for zero co-payments and comprehensive coverage for your application.
Common Questions
Carrier Guides
In-depth reviews of Spain’s top health insurance carriers for visa applicants.
Adeslas
Largest network in Spain. 44,000+ providers. Best price under 50.
Read Guide →Sanitas
Bupa-backed. Best app and English support. Up to age 69.
Read Guide →DKV
Best for 65+. German-backed. 42,000 providers. Up to age 74.
Read Guide →ASSSA
Expat specialist. Highest age limits (75+). Native English support.
Read Guide →Health Insurance for Spanish Residency
Whether you are applying for a non-lucrative visa, digital nomad visa, or student visa, private health insurance is a mandatory requirement for obtaining Spanish residency.
Why You Need Health Insurance for a Spanish Residency Visa
Spain requires all non-EU applicants to hold private health insurance for Spanish residency that provides full medical coverage without copays. This applies to every visa category that leads to a residency card (TIE), including the non-lucrative visa, digital nomad visa, student visa, golden visa (ended April 2025), and retirement visa.
Your policy must be issued by a Spanish insurance company or one operating in Spain, cover you from day one of your stay, and meet the specific requirements set by Spanish consulates worldwide. Travel insurance or international plans are not accepted.
Health Insurance Requirements for Spanish Residency Card
- ✓No copays: Your policy must provide coverage without copayments or deductibles at the point of care
- ✓Full coverage: Must include hospitalization, surgery, outpatient care, and emergency treatment equivalent to the Spanish public system
- ✓Spanish provider: The insurer must be authorized to operate in Spain by the Directorate General of Insurance (DGSFP)
- ✓No age limits or waiting periods: Coverage must begin immediately and not exclude pre-existing conditions during the visa period
- ✓Repatriation not required: Unlike Schengen travel insurance, residency visa policies focus on local medical treatment rather than repatriation
How Much Does Health Insurance for Spanish Residency Cost?
The cost of private health insurance for Spain residency varies by age, provider, and coverage level. As a general guide for 2026:
€60-90
per month, ages 20-35
€90-150
per month, ages 35-55
€150-300+
per month, ages 55+
Prices depend on insurer, coverage tier, and your specific health profile. View our detailed cost guide →
Resource Guides
Healthcare in Spain for Expats
Complete guide to Spain’s healthcare system. Public vs private, visa requirements, and the best providers.
Health Insurance Cost Guide
Detailed pricing by age and carrier. Annual cost examples, international comparisons, and money-saving tips.
ASSSA vs Adeslas Comparison
Head-to-head comparison of the two best health insurers for expats in Spain. Coverage, pricing, and age limits.
Retirement Health Insurance Spain
Complete guide for retirees over 65. Age limits, carrier options, costs, and how to secure coverage before your visa.
Golden Visa Health Insurance
Health insurance requirements for Spain’s Golden Visa investor program. Coverage options and application guidance.
More Guides
Over 65 Insurance
Carriers, pricing & S1 form guide for older applicants
Best Expat Insurance 2026
Top 4 carriers ranked by price, network & flexibility
How to Get Insurance
5-step guide from choosing to getting your certificate
Pre-existing Conditions
How carriers handle diabetes, hypertension & more
Cheapest Insurance for Visa
Lowest prices by age bracket & how to save