NLV health insurance with no copayments
Both Sanitas visa policies are arranged without copayments. You do not pay a separate per-use charge when you use covered services — no fee at the consultation, no fee at the test, no fee at the hospital.
Yes — sin copagos
No copayments — sin copagos. You do not pay a separate per-use copayment when you use covered services under the policy.
Sanitas Residents Visado and Sanitas Residents Platinum Visado are arranged without copayments. You do not pay a separate per-use copayment for services covered under the policy.
This does not mean that every possible treatment or expense is covered. The policy terms determine which services are included. What that means in practice.
What a copayment actually is
A copayment — copago in Spanish — is a small fixed charge you pay each time you use a service, on top of your premium. On a policy that has them, the pattern looks like this: a few euros for a GP appointment, more for a specialist, more again for a scan. They are charged per use, so the more care you need in a year, the more you pay.
Plenty of Spanish health policies are sold that way, and there is nothing wrong with it — a copayment policy usually carries a lower premium in exchange. But it changes what the policy costs you over a year, and it is the reason the question comes up so often for residence-visa applicants.
| A policy with copayments | The Sanitas Visado products | |
|---|---|---|
| At a GP or specialist appointment | A per-visit charge | Nothing to pay |
| At a diagnostic test | A per-test charge | Nothing to pay |
| At a hospital admission | May carry its own charge | Nothing to pay |
| Your annual outlay | Premium plus whatever you used | The premium |
In every case above, “nothing to pay” means for services covered under the policy, arranged the way the policy requires — through the Sanitas contracted network in Spain.
Copayments are not waiting periods
These get run together constantly, and they answer completely different questions. Worth separating before you check either against your paperwork:
A copayment asks: what do I pay?
Whether you are charged a per-use fee at the point you receive care. On both Visado products, you are not.
A waiting period asks: when can I use it?
Whether a cover is switched off for a period after the policy starts. That is a separate rule, with its own answer per product.
On Sanitas Residents Visado, the General Conditions state plainly that the insurance has no waiting periods, and that all coverages are available from the effective date of the contract.
On Sanitas Residents Platinum Visado, there are no waiting periods on its core health-insurance cover. Some supplementary covers listed in the General Conditions have their own qualification periods, and your Particular Conditions show which of those covers and periods apply to your policy.
If both are free of copayments, what separates them?
Two things, and neither is the copayment structure:
- The age each is open to. Residents Visado is open to age 75; Platinum to age 64. Both are assessed on the intended policy start date. Above Platinum's limit on that date, Residents Visado is the visa product still open to you.
- Where care can be arranged. Both use the Sanitas contracted network in Spain. Platinum adds a second route — a worldwide network of participating centres, used with prior authorisation.
A point worth getting right on Platinum: reimbursement is not a copayment. If you use a provider outside the network, you pay that provider and claim back a percentage set in your Particular Conditions. That is a different mechanism from a per-use charge on covered network care — and there is no such charge on either product.
Residents Visado in full → · Residents Platinum in full → · Compare the two →
What “no copayments” does not mean
This is the part worth reading twice, because it is where the phrase gets over-read:
Comparing it against your consulate
Some Spanish consulates expressly require health insurance without copayments, while published wording varies between consulates. Always check the current requirements of the consulate handling your application.
We make no claim that either product satisfies any particular consulate's requirements — that is decided by the body that sets them, and the wording differs from one to the next. What we can tell you is the product position, precisely:
The Visado products are arranged without copayments and waiting periods. Check both points against the current requirements published by your consulate.
If the checklist you are working from uses different words — deductible, excess, franquicia, participation in costs — bring it to us before you submit anything, and we will go through your documentation with you. How consular wording varies.
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Get a quote with no copayments
Both Sanitas visa policies are arranged without copayments. Send the dates of birth and the start date you have in mind, and an adviser will confirm which are open to each person and price them, subject to eligibility and underwriting.
Rather ask a question first? Contact an adviser.