Compare Health Insurance in Spain — 2026 Quotes for Expats
By Andrew Turner — Generali exclusive agent in Jávea since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026
The English-language guide to comparing private health insurance in Spain in 2026 — Sanitas vs Adeslas vs DKV vs Asisa vs Generali Salud, with-copay vs no-copay plans, NLV and DNV visa-compliant cover, dental add-ons, the cuadro médico (provider network) and how to get an English-language quote in minutes.
Get a Free Health Insurance Quote →The four cover types in Spain compared
| Plan type | Typical 2026 price | NLV/DNV-compliant? | Best for |
|---|---|---|---|
| Cuadro médico with copago | €40–€70/mo | No | Cost-conscious residents |
| Cuadro médico sin copago | €60–€120/mo | Yes | NLV/DNV applicants |
| Reembolso (any doctor) | €110–€250/mo | Yes | High earners, frequent travellers |
| Top-up over S1 / SNS | €25–€50/mo | N/A | UK retirees with S1 form |
Generali Salud vs Sanitas vs Adeslas vs DKV vs Asisa
| Insurer | Costa Blanca network | English-speaking doctors | NLV/DNV-compliant | vs Generali price |
|---|---|---|---|---|
| Generali Salud | Strong — Quirón, IMED, HLA | Wide network on coast | Yes — Premier plan | Baseline |
| Sanitas | Widest national network | Wide | Yes | Comparable |
| Adeslas | Largest by market share | Variable by clinic | Yes | 5–10% lower |
| DKV | Good Costa Blanca presence | Strong expat focus | Yes | Comparable |
| Asisa | Strong inland; thinner coastal | Limited | Yes | 10–15% lower |
For Costa Blanca expats the key question is which insurer's cuadro médico includes the local private hospitals you'd actually use — HCB, Quirón Torrevieja, IMED Levante, HLA Mediterráneo. Generali, Sanitas and DKV all have strong coastal networks. Our main Health Insurance Spain page covers Generali Salud in detail.
NLV and DNV visa requirements
For the Non-Lucrative Visa (NLV) and Digital Nomad Visa (DNV) the Spanish consulate requires:
- Sin copago (no copayment) — the policy cannot charge the policyholder per consultation
- Full Spanish geographical cover — not regional
- No waiting periods for major conditions
- Coverage equivalent to public SNS — specialist consultations, hospitalisation, surgery, A&E
- Certificate from a DGS-registered Spanish insurer issued in your name
Generali Salud Opción Premier meets these requirements. Sanitas Más Salud and DKV Integral Élite are commonly used alternatives. The cheapest visa-compliant plan starts at €60–€80/month for under-40s, rising to €180–€280/month for over-65s.
What affects your Spanish health insurance premium
- Age at entry — the single biggest driver. Premiums roughly double every 20 years of age.
- Plan tier — with-copago is cheapest, no-copago middle, reembolso most expensive.
- Pre-existing conditions — declared and accepted at quote, may attract loadings or exclusions.
- Dental add-on — basic dental included on most policies; full dental adds €10–€25/month.
- Maternity — included on most policies but has 8–10 month waiting period.
- Family group discount — 5–15% saving on a family of 4 vs four individual policies.
How to get a like-for-like health insurance quote in Spain
- Decide your plan type — cuadro médico with-copago, sin copago, or reembolso.
- Check your local hospitals are on the cuadro médico of the insurers you compare.
- Get 2–3 quotes on identical age, plan type and family size.
Call Turner Insurance on 966 461 625 for a Generali Salud quote in 30 minutes. We confirm your local Costa Blanca hospitals are in the cuadro médico before recommending the plan.
Frequently asked questions: comparing health insurance in Spain
How can I compare private health insurance in Spain?
Match the plan type (cuadro médico vs reembolso, with vs without copago), check your local hospitals are in the network, and compare premiums on identical age and family size. Call Turner Insurance for a Generali Salud benchmark.
Which is the best private health insurance in Spain for expats?
Sanitas has the widest national network. Generali Salud and DKV are the strongest combinations of coastal network + English-language service for Costa Blanca expats. Adeslas and Asisa are cheaper but more variable on the coast.
How much does private health insurance cost in Spain in 2026?
Cuadro médico with copago from €40/month for under-40s. NLV/DNV-compliant no-copago plans from €60/month. Reembolso (any doctor) from €110/month. Premiums roughly double every 20 years of age.
What's the difference between with-copago and no-copago plans?
With-copago plans charge €5–€15 per GP consultation and €15–€30 per specialist visit. No-copago plans are unlimited free access. Visa-compliant plans (NLV/DNV) must be no-copago.
Is private health insurance required for the Non-Lucrative Visa?
Yes — with no copayments, full Spanish cover, no waiting periods, and a DGS-registered insurer certificate. Generali Salud Opción Premier meets these requirements.
Does Spanish private health insurance cover pre-existing conditions?
Pre-existing conditions must be declared at application. Insurers may accept the risk with no loading, attach a permanent exclusion, charge a loading, or decline. The earlier you take out cover, the easier it is to get pre-existing conditions accepted.
How long does it take to get a health insurance quote in Spain?
Through Turner Insurance: 30 minutes by phone or email. We send a Generali Salud quote with copayment and no-copayment options, confirming your local hospitals are in the network.
Sources & references
- Ministerio de Sanidad — Spanish public health system.
- Dirección General de Seguros (DGSFP) — insurance regulator.
- Ministerio de Asuntos Exteriores — NLV/DNV visa requirements.
- Ley 50/1980 de Contrato de Seguro
Related guides & insurance products
- Main Health Insurance Spain page
- Healthcare Spain Expat Guide
- Non-Lucrative Visa Insurance
- Digital Nomad Visa Insurance
- Sunstroke in Spain — First Aid Guide
- Emergency Numbers in Spain
Get a free Spanish health insurance quote in English
One call covers everything — cuadro médico check, with vs no copago options, NLV/DNV compliance, dental add-ons. Generali Salud from our Jávea office.
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This guide is general information, not personalised insurance or medical advice. Premium ranges are 2026 indicative figures; your specific quote depends on age, plan type, family size and pre-existing condition declarations. For current pricing contact Turner Insurance.