Health Insurance for Spanish Residence Permit

We provide health insurance for students and residence permit holders in Spain — including digital nomads and non-lucrative visa holders — in partnership with top Spanish insurance providers: Sanitas, Caser, and HNA Clinicum.

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Health insurance in Spain

Companies What's included Prices

Insurance Companies

HNA Clinicum was founded by the Hermandad Nacional de Arquitectos (Spanish National Architects’ Union) and is now one of the most affordable and reliable health insurance options available on the Spanish market.

Sanitas is one of the largest and most reputable health insurance providers in Spain. Known for its extensive network of partner clinics and high service standards, it is also among the most expensive options — largely due to the higher compensation it offers to medical professionals.

Caser is a well-established Spanish insurance company known for offering competitive plans tailored to different age groups. One of its standout features is the comprehensive dental coverage included in most of its policies — one of the most extensive dental packages available among student and residence insurance options.

Who needs Spanish insurance?

Long-term students

Spanish consulates and embassies welcome and sometimes even require insurance from a Spanish company. And when applying directly in Spain, it is a requirement to have one

Residence permit applicants

To obtain a residence permit in Spain (startup, nomad, non-lucrative, blue card), you also need the appropriate local insurance.

Work residence permit applicants

Insurance companies offer their services for businesses and entrepreneurs

Description of insurances

This insurance is suitable for any type of residence and long-term study in the country.

Main Characteristics

SIN COPAGOS

that is, without a deductible, without additional costs (except for consultations with a psychologist, which are included in the additional 8€ coverage)
SIN CARENCIAS

that is, without a deferred use period for any services.
FOR ALL TYPES OF RESIDENCE PERMITS
It meets all the legal requirements for:
- Applying for a D-type student or residence visa at the Spanish Consulate in your country
- Submitting your initial residence application in Spain (if you’ve been in the country for less than 90 days)
- Renewing your existing residence permit within Spain
The policy complies fully with the criteria set by Spanish immigration authorities.

HNA Clinicum includes:

Primary care (General practitioner, pediatrician)
Medical and surgical specialties: allergologists, gastrointestinal tract, respiratory system, cardiology, surgery, dermatology, endocrinology, ophthalmology, ENT, podology, psychiatry, traumatology, urology, etc.)
Hospitalization: medical, pediatric, surgical, intensive care, psychiatric
Service abroad up to 9,000 euros
Diagnostic equipment: clinical tests, bone densitometry, multi-detector diagnostics, ultrasound scanning, positron emission tomography, general radiology, magnetic resonance imaging
Treatments: electrical stimulation of the pelvic floor, physiotherapy and functional retraining, laser treatment, chemotherapy, radiotherapy, pain treatment
Preventive medicine programs:

Early diagnosis of breast, endometrial, and cervical cancers
Prostate: Ultrasound of the prostate for the age of 45 years
Assessment of the risk of cardiovascular diseases: includes the prevention of coronary heart disease in people over 40 years of age
Annual vision check
Pediatric vaccination: a free vaccination program
Medical cover for pets (dogs and cats)

CASER includes:

Primary medical care (General practitioner, pediatrician)
The best doctors of narrow specialties and diagnostic doctors
All types of hospitalizations (therapeutic, surgical, pediatric, childbirth and maternity management, intensive care unit and intensive care unit)
Emergency Medical Care (Urgencias)
Repatriation to the homeland
Prosthetics
Dental insurance for adults and children over 14 years old (includes 39 free services and discounts of up to 40% on other services)
Extended dental insurance for children under 14 years of age (all dental services are free, except for endodontics, orthodontics and prosthetics, which are provided at a reduced price)
A convenient smartphone application is App Caser Salud: Telemedicina y Videoconsultas. Personalized online medical consultation with no limits, with an appointment that can be canceled or changed at any time, with the function of sharing documents, test results, with the function of receiving and printing medical appointments and referrals, and so on.
Mi Doctor Caser Medical Chat, available 24 hours

Sanitas for International Students includes:

Primary medicine, emergency care, and access to all specialties* (pediatrics, gynecology, cardiology, dermatology, etc.).
Diagnostic tests, both simple (ultrasound, blood and urine tests, etc.) and high-tech (CT, MRI, etc.).
Hospitalization and surgery.
Urgent situations abroad for a stay of up to 90 days.
Therapeutic methods, both simple (rehabilitation, aerosol therapy, etc.) and high-tech (lithotripsy, radiotherapy, chemotherapy, etc.).
Dental coverage with more than 40 services is included.
Repatriation

Price rates by age

Below we indicate the rates of insurance companies based on the age of the applicant. Insurance with full coverage, no surcharges

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Prices are shown on 19/02/25 for 1 person, for 12 months
Please check the exact current prices with us.

Important! The above are some of the most profitable tariffs. Please write to us to clarify the cost for your age. Let's just say that not all options are suitable for applicants of retirement age with full coverage. Write to us and we will calculate the cost.

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