Question
“What does private health insurance cost in Spain for a family? Are there co-pays? What kind of coverage can I expect?”
Answers
“Around 250€ per month. I have Sanitas.”
“Sanitas is expensive, but it has served me well. I paid up to €108/month for myself.”
“For a 51 year old parent and an 18 year old child we’re paying about 1000€/year.”
“2 x 55 year olds. €2500 per year.”
“I’m 25 yo and I’m paying 600 € per year, no co-pays or anything, almost everything is included. I’m Adeslas.”
“For just me, I’m 58 and it’s about €100 a month. Just signed up for public health care under the Convenio Especial and that’s €60. I’ll run them concurrent to make sure I like the public system docs.”
“2 mid forties, 2 kids 600€/yr for each of us – so roughly 50€/mo/pp but we paid the full year up front.”
“My husband and I are in our 50’s. We have Salus insurance. We pay about €200 per month. Also, in case no one told you, if you’re applying for the NLV (and I think the DNV but not positive) you have to pay a full year up front as part of the application process. So be prepared for that outlay of funds.”
“I’m the same age and got quoted 97€/mo for just myself; no deductible.”
“Get real non-binding quotes and compare with real numbers. Here’s a curated list of trusted health insurance providers specializing in visa-compliant policies for Spain. DKV, Asisa, Adeslas, Sanitas, Salus, ASSSA, etc. These brokers and exclusive agents offer policies tailored to meet the requirements for Spanish visas, including the Non-Lucrative Visa (NLV), Digital Nomad Visa (DNV) and Student Visa.”
“Spainguru recommends Adeslas exclusive agent Carlos Blanco. He is not only an expert in Spanish Visa-compliant health insurance policies but also an experienced immigration lawyer with in-depth knowledge of any Spanish visa process.
Carlos can provide tailored recommendations based on your specific needs, ensuring your policy aligns perfectly with visa requirements and the application process.
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Conclusion
Spainguru community members shared a wide range of prices and experiences with private health insurance in Spain. For individuals, costs can range from about €600 to €1200 per year, while family plans vary between €200 and €250 per month.
Popular insurers include Sanitas, Adeslas, ASSSA, Salus, and Caser, with most members confirming that their plans have no co-pays or deductibles, which is essential for visa compliance.
Some also noted that full annual payment is required upfront when applying for the Non-Lucrative Visa (NLV), so budgeting accordingly is important. Many policies offer broad coverage and access to high-quality private hospitals.
Key takeaways
- Expect €600–1 200/year for individuals and €2 400–3 000+/year for families.
- Most plans have no co‑pays or deductibles, a requirement for visa compliance.
- Full annual payment upfront is typically required when applying for the Non‑Lucrative Visa.
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