Last Updated on April 18, 2026 by Bruno Bianchi
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.”
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Start the Moving to Spain Hub →“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.”
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See Vetted Lawyers →“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.
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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