Adeslas Health Insurance Spain
Adeslas health insurance Spain is the country’s largest private health insurer by network size — with 44,000+ providers nationwide, co-owned through SegurCaixa Adeslas, a joint venture between Mutua Madrileña (a Spanish mutual insurance group, 50% stake) and CaixaBank (~49.99% stake).
By Bruno Bianchi, CEO of Spainguru (225,000+ community members) · Updated October 2026
Watch: Bruno explains where Adeslas’s huge network beats Sanitas, walks through the Plena Total Sin Copago plan, and warns about the copay trap that gets visa applicants rejected.
General information only — not insurance advice. Verify current plan details and visa requirements with the carrier before purchasing.
Key takeaways
- Spain’s largest health insurer by market share and hospital directory.
- Widest medical network in the country — over 44,000 providers.
- Maximum entry age: confirm per policy — Adeslas does not publish one limit for all products.
- Among the cheapest visa-compliant plans for applicants under 50.
Quick Facts
Parent Company: Mutua Madrileña (Spain) Market Position: #1 by network size Network Size: 44,000+ healthcare professionals and 1,100+ medical centres Max Entry Age: Confirm with a broker — depends on the exact Adeslas policy Visa Compliant: Yes — with the no-copay product; confirm the exact policy with your consulate English Support: LimitedNote: applicants in the upper age brackets are subject to individual medical review, and premiums rise steeply with age.
What Is Adeslas Health Insurance Spain?
SegurCaixa Adeslas, commonly known simply as Adeslas, is Spain’s largest private health insurance company by provider network. Owned by Mutua Madrileña, one of Spain’s biggest insurance groups, Adeslas covers over 5 million insured members and operates the most extensive medical network in the country — approximately 44,000+ healthcare providers including hospitals, clinics, specialists, and diagnostic centres.
For expats applying for Spanish visas, Adeslas is a top-tier choice when network size and accessibility are priorities. Whether you need a Non-Lucrative Visa, Digital Nomad Visa, Student Visa, or Golden Visa (ended April 2025), Adeslas offers visa-compliant policies through authorised brokers.
Why Expats Choose Adeslas
1. Spain’s Largest Medical Network
With approximately 44,000+ healthcare professionals and 1,100+ medical centres, Adeslas has the biggest medical network of any private insurer in Spain. This is particularly valuable if you plan to live in a smaller town or rural area where other carriers might have fewer in-network options. Wherever you are in Spain, there’s almost certainly an Adeslas-affiliated doctor or hospital nearby.
2. Competitive Pricing for Under-50s
Adeslas tends to offer some of the most competitive visa-compliant premiums for applicants under 50. Combined with the largest network, this makes Adeslas an excellent value proposition for younger expats — especially those on Digital Nomad or Student Visas where budget is a consideration.
3. Fastest Appointment Access
Because the network is so large, wait times for specialist appointments tend to be shorter with Adeslas than with smaller carriers. This is a practical day-to-day advantage that matters once you’re actually living in Spain and using your insurance regularly.
4. Established Visa Track Record
Adeslas has been the most frequently used carrier for Spanish visa applications for years. Consulates are familiar with Adeslas policy documents, which can reduce the risk of complications during your visa review.
Adeslas Pricing for Visa Applicants (2026)
Approximate monthly costs for visa-compliant Adeslas policies (indicative — Adeslas is not sold through our partners):
| Age Range | Monthly Cost | Notes |
|---|---|---|
| 0–29 | €40–€60/mo | Best value among major carriers |
| 30–39 | €60–€85/mo | Very competitive for DNV applicants |
| 40–49 | €85–€125/mo | Strong value with largest network |
| 50–59 | €125–€200/mo | Comprehensive coverage |
| 60–65 | €200–€320/mo | Confirm entry age for the visa policy |
Find a suitable visa insurance option
Three questions, based on 2026 indicative pricing and each carrier’s published age limits. The final policy is confirmed by the partner.
We earn a commission when you get a quote or a policy through one of our partners. Your price never changes and our recommendations are independent. How we choose partners
Important: Adeslas does not publish a single maximum entry age covering every policy. Age eligibility depends on the exact policy and current underwriting criteria, and must be confirmed before applying. Adeslas also markets Adeslas Seniors, a separate product contractable from ages 55 to 84. Adeslas Seniors carries copayments and waiting periods, so it does not by itself establish eligibility for the no-copay policy used for visa applications. Confirm with a broker which Adeslas policy is being offered and that it meets your visa requirements. Get quotes through a Compare alternatives with a vetted partner → for compliant policies.
What’s Covered?
A visa-compliant Adeslas policy includes:
GP and specialist consultations Hospital admission and surgery Emergency care (24/7) Diagnostic tests and imaging Mental health consultations Physiotherapy and rehabilitation Maternity (after qualifying period) Repatriation coverageAdeslas Limitations to Know
Entry age is not published for all policies — older applicants may require an individual insurer review. Confirm eligibility in writing before applying. Limited English support — Adeslas’s customer service is primarily in Spanish. Their app and website are Spanish-language. In expat-heavy areas, many affiliated doctors speak English, but corporate support is limited. Copay versions won’t work for visas — Adeslas’s most popular retail plans include copays. You need the no-copay version, available through authorised brokers. Dental not included — as with all major Spanish health insurers, dental requires a separate add-on.How Adeslas Compares
See our full Adeslas vs Sanitas vs DKV comparison. Quick summary:
See our detailed comparisons: Adeslas vs Sanitas and ASSSA vs Adeslas. Also explore Caser health insurance as an alternative.
| Feature | Adeslas | Sanitas | DKV |
|---|---|---|---|
| Network Size | ~44,000 | ~18,000 | ~42,000 |
| Max Entry Age | Confirm with broker | Confirm with broker | 75 (DKV Integral) |
| English Support | Limited | Yes | Yes |
| Best For | Largest network, best price | Digital-savvy expats | Older applicants |
How to Get Adeslas for Your Visa
Adeslas is not offered through our partners
If you want Adeslas specifically, contact Adeslas or an Adeslas agent directly. Our vetted partners quote the closest compliant alternatives (Sanitas, DKV, ASISA, ASSSA) and arrange the consulate certificate.
Contact a Visa Insurance Broker
Adeslas’s retail website sells copay plans. For visa compliance, use a Compare alternatives with a vetted partner → who arranges the no-copay version with immediate coverage.
2Specify Your Visa Type and Location
Tell the broker your visa type and where you plan to live. Adeslas’s vast network means you’ll have excellent coverage almost anywhere in Spain.
3Get Your Policy Documents
Your broker provides the no-copay policy certificate and benefits summary needed for your visa application.
4Submit with Your Application
Include the insurance certificate with your visa paperwork. The policy must be active from your intended entry date.
Frequently Asked Questions
Is Adeslas the cheapest option for visa insurance?
For applicants under 50, Adeslas is generally among the most affordable carriers for visa-compliant coverage. Combined with the largest provider network in Spain, it offers excellent value. For applicants over 50, pricing differences narrow between carriers.
Can I use Adeslas without speaking Spanish?
Adeslas’s corporate customer service is primarily in Spanish, and their app/website are Spanish-language. However, in areas with large expat populations (Costa del Sol, Costa Blanca, Barcelona, Madrid), many Adeslas-affiliated doctors and hospitals have English-speaking staff. If English support is a priority, consider Sanitas or DKV.
What is Adeslas’s maximum entry age?
Adeslas does not publish a single maximum entry age that applies to every policy, and the limit for the no-copay policy used for visa applications must be confirmed per applicant. Adeslas also markets Adeslas Seniors, a separate product contractable from ages 55 to 84. Adeslas Seniors carries copayments and waiting periods, so it does not by itself establish eligibility for the no-copay policy used for visa applications. Confirm with a broker which Adeslas policy is being offered and that it meets your visa requirements.
Does Adeslas cover pre-existing conditions for visa applicants?
Visa-compliant policies arranged through brokers typically waive waiting periods. Standard Adeslas retail policies have waiting periods of 3–12 months for various conditions. Always arrange through a broker for visa purposes.
Is Adeslas accepted by Spanish consulates?
Yes. Adeslas is Spain’s largest private insurer and is routinely accepted by Spanish consulates when the policy meets their requirements. It’s one of the most commonly submitted carriers in visa applications, so consulates are very familiar with their documentation.
Need a compliant alternative to Adeslas?
Adeslas is not offered through our partners. Our vetted partners compare the closest compliant alternatives (Sanitas, DKV, ASISA, ASSSA) and arrange the consulate certificate, typically within 1–5 business days.
Compare alternatives with a vetted partner →