NLV health insurance payment options
How you can pay for a Sanitas Visado policy: by credit card annually, or by direct debit from a Spanish or European bank account annually or twice yearly — and when a consulate receipt means it has to be annual.
Two things decide how you can pay.
How you pay for a Sanitas Visado policy depends on the payment method you choose, and on whether your consulate wants to see proof that twelve months have already been paid. Those two together decide whether you can spread the premium or whether it has to be paid in one go.
- By credit card — the premium is paid annually.
- From a Spanish bank account — annually, or twice yearly.
- From a European (SEPA) bank account — annually, or twice yearly.
Monthly payment is not offered on these Visado products. If you have seen a monthly figure quoted for Sanitas cover elsewhere, it will be for a different product.
What each method allows.
If you need proof of twelve months paid in advance.
Some applicants are asked to show a receipt proving the policy has been paid for twelve months up front. Where that applies to you, the frequency is restricted to annual — you cannot show twelve months paid in advance on a policy being paid in two instalments.
This is a conditional need, not a universal rule. We are not telling you that every consulate asks for it. Your consulate’s own current checklist is the document that decides, and it is worth reading before you choose how to pay. If it does ask, tell us at quote stage and we will set the policy up annually from the start.
Why it is easier to decide before the policy is issued
Changing payment frequency after a policy has been issued is more work than setting it correctly at the outset. If you are unsure what your consulate expects, say so when you ask for a quote and we will go through it with you.
What this connects to.
Payment is one of the last decisions in the application. These pages cover what comes before it: what actually drives the premium, how applying works step by step, the documents you will need, and choosing a start date that works with your appointment. If you have not chosen a product yet, compare the two Visado options.
Tell us how you would prefer to pay
Tell us who needs cover, when you expect the policy to begin, and whether your consulate has asked for proof of twelve months paid in advance. We’ll prepare a personalised quote and explain the next step.
Phone, WhatsApp and email all reach the same advisers — see the contact page.