Sanitas Residents Visado
for the Non-Lucrative Visa
Sanitas’s visa version of its Residents policy. It provides full and unlimited coverage throughout Spain — with no copayments and no waiting periods — through the contracted medical network, with repatriation cover included.
What Sanitas Residents Visado is
It is a full private health insurance policy from Sanitas, S.A. de Seguros, arranged through Sanitas’s own contracted medical network in Spain. You get access to consultants, general practitioners, paediatrics and emergency centres, with diagnostic tests, surgery and hospital treatment arranged through the network as well.
Residents Visado provides Sanitas private healthcare in Spain with no copayments and no waiting periods, subject to the policy terms and the insurer’s acceptance of the application. Cover is full and unlimited throughout Spain, with access to the medical network for medical, surgical and hospital care. The policy runs for a minimum of one year and renews on the terms set out in the contract.
One distinction worth keeping straight. “No copayments” does not mean every possible treatment or expense is covered. It means the policy does not charge a per-use copayment for services that are covered under its terms. What is excluded, and how a condition you already have is treated, are separate questions — see pre-existing conditions.
Sanitas issues a separate Visado version of the Residents policy. It is a separate product from the standard Sanitas Residents policy, with its own conditions. Confirming which one you have is a short check worth making.
What’s included
Waiting periods and pre-existing conditions are separate issues: how a condition you already have is treated depends on your declarations and the insurer’s underwriting decision, not on the waiting-period rule. See also what repatriation means.
Who it may be relevant for
Residents Visado may be relevant if…
- You are applying for the Non-Lucrative Visa and need cover arranged for that application
- You will be aged 75 or under on the intended policy start date
- You expect to use doctors and hospitals inside the Sanitas network in Spain
- You are applying as a couple or family, with everyone to be insured declared together
- You want the whole policy live from day one, with nothing phased in
Compare Residents Platinum or another Sanitas option if…
- You will be above the entry age on your start date — start with the over-75 page, not a quote form
- You want to choose your own doctors outside the network and claim the cost back — that is Residents Platinum’s structure
- You want cover that follows you internationally as a main feature, rather than emergency assistance while travelling
- You are not applying for a residence visa at all — the standard Sanitas range is broader than this one product
The visa version is not the standard product.
Sanitas sells more than one policy called “Residents”. The Visado version is a separate product with its own conditions. Confirm the product name on your documentation reads Visado before you submit it anywhere.
Confirm the exact product name on your policy documentation before submitting it. The conditions for this product name it Sanitas Residents Visado. If your documentation does not match, ask before you submit anything. The certificate guide covers what to check, and in what order.
How care is arranged
In a life-threatening emergency you are not expected to find a network hospital. If you are admitted somewhere outside the network, Sanitas must be told as soon as possible so it can move you to a partner centre once your condition allows. Outside that situation, treatment you arrange yourself outside the network is not covered, whoever recommended it.
There is more in the conditions on which procedures Sanitas appoints the surgeon for, how home care works, and the notice required when you change address. The application guide covers the practical steps.
What repatriation means
The policy includes transfer of the insured’s remains to the country of origin in the event of death, together with an escort’s travel. Funeral and burial expenses are not covered.
It is not medical evacuation. It does not mean being flown home for treatment while you are alive and ill. The full explanation is here.
From quote to certificate
- You request a quote. Dates of birth, intended start date and where you are heading. No medical or health questions at this stage.
- An adviser prepares your quote. Priced for your circumstances and your intended start date, subject to product eligibility and underwriting.
- You complete the application. This is where Sanitas’s medical questionnaire sits. The contract is agreed on the basis of what you declare, so accuracy is the part you control.
- You pay the first premium. Cover does not begin until it is paid — which is exactly why start dates need planning rather than assuming. Choosing a start date.
- Your policy documentation follows. This is where your Particular Conditions and your insurance certificate come from. What the certificate covers.
One obligation to diarise: the conditions require documentation proving the visa was issued to reach Sanitas within two months of the policy start date. Worth diarising on the day you buy.
Residents or Residents Platinum?
Both are Sanitas visa products. The differences that actually decide it:
Residents Visado
- Care arranged through the Sanitas network in Spain, with no copayments
- Open to a wider age range — up to age 75
- May be relevant if you expect to use doctors and hospitals in Spain
Residents Platinum Visado
- Adds a reimbursement route: use providers outside the network and claim back
- A lower entry age — up to age 64
- Consider it if its additional reimbursement structure is relevant to how you expect to use the policy
- Exclusive Insurance Agentof Sanitas, S.A. de Seguros
- DGSFP registeredC0320Y2155969D
- Sanitas International Expertrecognised
The document that governs this cover
These documents are provided for reference. The policy documents issued to you when you contract are the documents that govern your cover — and your Particular Conditions carry the figures and limits specific to your policy, including the limits on emergency assistance abroad.
Get your Residents Visado quote
Residents Visado is arranged with no copayments and no waiting periods. Tell us the dates of birth and the start date you have in mind, and an adviser prices it for your circumstances and comes back by email. No medical questions at this stage, and no obligation.
Rather talk it through first? Call an adviser, or ask us a question.