International Residents Health Insurance

Designed for foreigners residents in Spain.

Comprehensive assistance health insurance for foreigners residing in Spain and designed to cover their health needs inside and outside our country. With free choice of specialists, reimbursement of medical expenses and without copayments.

Some additional coverages that complete this product:

  • Repatriation guarantee: Transfer of the insured and a companion to the country of origin in case of death of the insured.
  • Reimbursement cover: Freedom of choice of specialist and medical centre in Spain and during your trips abroad.
  • 80% reimbursement cover, with 2 maximun amount options: €150,000/year or €300,000/year

Cover included in S International Residents

What does this medical insurance cover?

Coverage of S International Residents has been defined to cover the most important medical assistance needs of foreigners during their period of residence in Spain:

  • Primary Care: General medicine, paediatrics, nursing assistance, emergency services…
  • Access to all specialities without restrictions: Cardiology, dermatology, endocrinology, orthopaedic traumatology, gynaecology, ophthalmology, oncology, psychiatry…
  • Diagnostic tests: Clinical tests, ultrasound scans, x-rays, MRI scans, endoscopies, scanning…
  • Therapeutic methods: Rehabilitation sessions, oncological treatments, respiratory therapies, speech-language therapy sessions, lithotripsy, radiotherapy…
  • Surgical operations: whether or nor it requires a stay in hospital.
  • Hospitalisation.
  • Dental Cover: 30 services included and 21% discount on all other dental treatments.

And besides that, you’ll enjoy the following exclusive coverage included:

  • 80% expense reimbursement of medical expenses and a limit of €150,000 or €300,000, in order to be able to visit any specialist or medical centre worldwide.
  • Repatriation: Transfer of the insured and a companion to the country of origin in case of death of the insured.

For greater convenience, in addition to Spanish, you will have available all the documentation of your policy and customer service in English and German.

Insurance requirements

To be able to contract a policy with Sanitas you must reside in Spain at least 6 months a year (during the term of the contract).

Contract conditions for S International Residents

Waiting Periods

The waiting periods indicate the time that has to elapse between the discharge in the medical insurance and the possibility of using certain services. Only the following services have waiting periods:

Outpatient surgical operations 3 months
High-tech diagnostic tests 6 months
Psychology 6 months
Childbirth or Caesarean 8 months
The following complex therapeutic methods: interventional cardiology, haemodynamics, interventional radiology, radiotherapy, chemotherapy and lithotripsy. 10 months
Tubal ligation and vasectomy 10 months
Hospitalisation and non-outpatient system surgical operations. 10 months

And if you already have health insurance with a competitor, all waiting periods are eliminated except the one corresponding to childbirth.

Maximum age at inception date

The maximum age for purchasing this product: 64 years.

Cover age limit

There is no cover age limit.


Discount due to payment method 4% annually


This product does not have co-payments or extra costs in addition to the monthly premium.

There are no franchises either.


10% discount for 4 or more insured
10% discount for life on the net insurance premium when purchasing policies with an effective date between 01/04/2019 and 01/12/2019 with 4 or more new insureds. The discount will be applicable whilst the policy is current and payment is up to date and with 4 or more insureds. Offer not applicable to groups or to optional supplementary guarantees.

My name is Mari Carmen, your Agent for a Personal Health Insurance in Spain

sanitas health insurance spain

You can contact us

Cellular +34 649 07 24 17

Office +34 952 383127

Opening hours:
Monday to Friday
from 10 – 14 h

I speak Spanish, German and English

Get your personal quote

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“If you have any questions regarding the best health insurance that fits your need and requirements please feel free to contact us, we speak Spanish, German and English”

Mari Carmen Pinto

Tel. +34 649 07 24 17

Very easy process of getting a Private Health Insurance in Spain. Application form and documentation can be provided in english.

The prices of the Health Insurance vary depending on the age. We offer fully coverage from 0 – 75 years and basic plans with no age limit.

Just provide us with the ages of those who need cover and we will send you a no-binding quotation to your email address.

Best health insurance options for expats or international residents that are retired, working or studying in Spain.

The site belongs to the official agent #20872 based in Torremolinos (Málaga).

We are leading the way in making private health insurance in Spain more user friendly to the expat community.

We’re pride on giving an excellent after sales service which is why our customer base is growing daily.

It is very simple to apply for a quote and the application can all be done in English. We can have you covered quickly regardless of where you are in Spain.

Applying and obtaining Health insurance in Spain has never been easier.

You can visit us:
Calle Hoyo, 41 29620 Torremolinos (Malaga)


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