Sanitas Health Insurance Without Co-Payments in Spain

Sanitas Health Insurance Without Co-Payments

Health insurance without co-payments means you pay a fixed monthly premium and never face extra charges for covered medical visits. This makes healthcare costs predictable and is ideal for those who expect regular doctor visits or ongoing care. It’s especially popular with expats, families, international students and anyone seeking simple, stress-free coverage. No co-payment plans meet all Spanish visa and residency requirements, providing comprehensive coverage and legal proof of insurance for immigration purposes. With this type of plan, you can enjoy peace of mind and easy access to healthcare, without surprise fees.

Benefits of Choosing a Sanitas Plan Without Co-Payments

Visa & Residency Compliant: Sanitas no-copayment policies fully meet the requirements for all Spanish visas and residency applications — including Non-Lucrative, Digital Nomad, Student, Retirement, and EU Registry Certificates. These plans are accepted by consulates and immigration offices across Spain.
Fixed Monthly Premiums – No Extra Charges: Everything is included in one simple monthly fee. Whether it’s a GP visit, diagnostic test, or hospital stay, you won’t pay anything extra at the point of care — making your policy clear, compliant, and stress-free.
Ideal for Families, Expats & Frequent Users: If you plan to live in Spain full time — alone or with family — this plan gives you unlimited access to healthcare without worrying about rising costs. It’s especially valuable for children, retirees, or anyone with ongoing health needs.
Nationwide Access + English Support: Get care at top private clinics and hospitals across Spain, with over 58,000 professionals in the Sanitas network. You’ll also have 24/7 access to English-speaking support and digital tools through the MiSanitas app.

How to Choose the Right Sanitas No Co-Payment Health Insurance Plan

Match the Plan to Your Medical Needs: Before choosing your policy, think carefully about how often you visit doctors, specialists, or require tests. If you expect regular medical care — especially for chronic conditions, pregnancy, or children’s checkups — a no-copay plan ensures you’re never hit with additional fees. This is particularly important for expats settling in Spain long-term, or EU citizens registering for residency who want guaranteed access to private healthcare.
Consider Family or Household Requirements: If you're applying for a family visa or registering multiple people on one policy, make sure the plan supports comprehensive family health insurance. Sanitas offers no-copay options designed for families of 3 or more, giving everyone full cover — without per-visit charges. This is ideal for residency applicants, digital nomads with dependents, or retired couples moving to Spain.
Look for Extra Benefits That Fit Your Lifestyle: Some Sanitas no-copay policies include added value such as:
- Basic dental cover
- Emergency medical care abroad
- 24/7 video consultations
- Visa paperwork support
- English-speaking assistance
These extras are especially helpful for non-EU applicants, remote workers, or anyone adjusting to the Spanish healthcare system.
Compare Plans Before Applying: Whether you’re applying for a non-lucrative visa, student visa, or EU residency certificate, Sanitas offers a range of private health insurance plans that meet all immigration requirements — without co-payments. Always check the plan details, start dates, and documents needed before submitting your visa application.

Frequently Asked Questions

What does a no co-payment health insurance plan mean?: With a no co-payment plan, you pay a fixed monthly fee and can access covered healthcare services without any additional charges each time you visit a doctor or specialist.

Who is best suited for a no co-payment plan?: These plans are a good fit for people or families who expect to use medical services regularly and want to avoid unpredictable out-of-pocket expenses.

What does Sanitas Más Salud without co-payments offer?: This plan provides broad health coverage, including visits to general practitioners and specialists, diagnostic tests, hospital care, surgeries, maternity services, and dental treatment.

Are Sanitas no co-payment plans accepted for Spanish visas and residency?: Yes, all Sanitas no co-payment plans are accepted for Spanish visa and residency applications, as they meet the requirements for comprehensive coverage without co-payments.

Is it possible to add extra dental coverage to these plans?: There are various options to increase the dental cover included in these plans giving you access to a wider range of dental services.

Do no co-payment plans have qualification periods?: While you can use general medical services right away, some specific treatments like non emergency hospital stays, surgeries, and childbirth have qualification periods before you can access them.

Are family plans available with no co-payment coverage?: Yes, Sanitas offers no co-payment plans designed for families, allowing all members to be covered under one policy and monthly payment.

Can I use my Sanitas no co-payment plan if I travel outside Spain?: All Sanitas no co-payment plans include annual coverage of €12,000 for medical emergencies abroad. Plans with reimbursement included provide comprehensive medical cover worldwide within the stated sum insured. Check your specific policy for details on what is included.

How can I enroll in a Sanitas no co-payment plan?: You can sign up for a plan online, by phone, or through an authorized Sanitas office such as ourselves. Once your application is approved and payment is arranged, your coverage will begin.

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*Most services are accessible from day one. Complex diagnostic tests such as MRIs and CAT scans have a qualification period of 6 months from the date of joining the policy.

Why Expats in Spain Choose Sanitas

Sanitas is one of Spain’s leading providers of private medical insurance, backed by Bupa and trusted by over 2.4 million members. Our health insurance with no co-payments is especially popular with expats moving to Spain, families settling long-term, and visa applicants who want full cover and peace of mind.

Explore our full range of health insurance plans for expats in Spain — all available in English and Spanish, all supported by our dedicated local team. Compare plans, get your quote, and join online in just minutes.

Health insurance without co-payments