ASISA Health Insurance Spain
ASISA is a cooperative Spanish insurer (owned by the Lavinia doctors’ cooperative) whose group runs the HLA hospital network. Here’s how its plans compare for visa applicants in 2026.
By Bruno Bianchi, CEO of Spainguru (225,000+ community members) · Updated October 2026
Watch: Bruno reviews ASISA health insurance for Spanish visa applicants — pricing, coverage tiers, and whether the budget option still satisfies consulate requirements.
General information only — not insurance advice. Verify current plan details and visa requirements with the carrier before purchasing.
Key takeaways
- ASISA is a Spanish cooperative insurer (Lavinia doctors’ cooperative) whose group owns HLA, one of Spain’s largest hospital groups.
- Strongest networks in Madrid, Valencia, Murcia and Catalonia; competitive pricing under age 50.
- Visa-compliant plans are available; entry age limit for new applicants should be confirmed with a broker.
- Monthly premiums: €40–€65 under 40, €90–€160 at 60–65.
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.
About ASISA
ASISA (Asistencia Sanitaria Interprovincial de Seguros S.A.) is one of Spain’s largest health insurance providers and operates as a cooperative owned by over 20,000 medical professionals. Its owner-group runs the HLA (Hospitales de La Luz) network, giving ASISA policyholders direct access to more than 15 HLA hospitals across Spain.
ASISA is authorised by the DGSFP (Spain’s insurance regulator), making all its residency-grade plans visa-compliant when configured correctly.
Plans offered
ASISA offers several plan tiers. For visa applicants, the most relevant are:
- ASISA Integral — full cover, no co-pays; the visa version is issued without waiting periods through the partner (the standard product carries waiting periods of up to 8 months), so ask for the visa-compliant modality and certificate.
- ASISA Salud Familiar — family plan with dental bundled in.
- ASISA Plus Premium — higher-tier plan including extended dental, international cover and premium hospitals.
Plans with co-payments exist (ASISA Moment) but these are not visa-compliant. Always confirm your chosen plan is no-copay before applying for a visa.
Pricing by age
Approximate monthly premiums for visa-compliant ASISA plans in 2026:
- Under 40: €40–€65 / month
- 40–55: €60–€100 / month
- 55–65: €90–€160 / month
- 65+ (new applicants): €160–€240 / month, subject to medical review
Prices vary by region, health history and plan tier. A broker can quote exact figures for your profile.
Visa compliance
ASISA’s Integral, Familiar and Plus plans meet the requirements for:
Pros & cons
Pros:
- Ownership of the HLA hospital network means direct-access care at top facilities.
- Competitive pricing for under-50 applicants.
- Dental bundled into mid-tier plans.
- Strong regional presence in Madrid, Valencia, Murcia and Catalonia.
Cons:
- Weaker network in northern Spain (Galicia, Asturias, Basque Country).
- English-language support available but not as extensive as Sanitas.
- Entry age depends on the exact ASISA policy and should be confirmed with a broker; other carriers’ limits vary by policy.
How ASISA compares
Compared to the four major visa-compliant carriers we review:
- vs Adeslas: smaller hospital network but owns its hospitals directly.
- vs Sanitas: better HLA hospital access in Madrid/Valencia; weaker English support.
- vs DKV: comparable pricing under 50; narrower geographic reach.
- vs ASSSA: same entry age, but stronger hospital network.
Frequently asked questions
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
Is ASISA visa-compliant?
Yes, in their no-copay, no-waiting-period visa modality — ASISA is DGSFP-authorised and the certificate the partner issues states the consulate requirements. Always confirm with your broker which plan tier is being issued.
Does ASISA accept older applicants?
Does ASISA cover pre-existing conditions?
Common conditions (hypertension, diabetes, asthma) are often accepted, sometimes with surcharges or exclusions — acceptance depends on an individual medical assessment. More complex conditions may trigger exclusions — see our pre-existing conditions guide.
How do I apply for ASISA through a broker?
Our vetted broker network includes an ASISA-authorised partner. See our broker directory or how-to guide.
Get an ASISA quote
ASISA is sold through our partners Gidea – Insbrok and Innoinsure. They compare the visa-compliant ASISA policy with the alternatives and arrange the consulate certificate.
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