Compare Health Insurance in Spain — 2026 Quotes for Expats

By Andrew Turner — exclusive agent in Javea 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.

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Quick Answer. Comparing Health Insurance in Spain

Cheapest with-copay planFrom €40/month

NLV/DNV-compliant (no copay)From €60/month

Time to quote30 minutes by phone

Max entry age75 with most insurers

The 60-second summary. Spanish private health insurance splits into two main product categories: cuadro médico (use the insurer's provider network, cheapest) and reembolso (use any doctor and claim back, most expensive). Within those two, plans are further split into with copago (small fee per consultation, cheaper) and sin copago (unlimited free access, required for NLV/DNV visas). The five main Spanish health insurers — Sanitas, Adeslas, DKV, Asisa and Generali — offer comparable plans but differ on provider network density, English-language service and dental add-on quality.

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

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.

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.

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.

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.

Yes — with no copayments, full Spanish cover, no waiting periods, and a DGS-registered insurer certificate. Generali Salud Opción Premier meets these requirements.

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.

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

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One call covers everything — cuadro médico check, with vs no copago options, NLV/DNV compliance, dental add-ons. Generali Salud from our Javea 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.