Caser Health Insurance Spain
Caser is a century-old Spanish insurer now owned by Helvetia. Here’s how its plans stack up for visa applicants in 2026.
- Caser is a Spanish insurer founded in 1942, now owned by Swiss group Helvetia (since 2020).
- Nationwide network, particularly competitive for family plans and SME coverage.
- Visa-compliant plans available; accepts new applicants up to age 70.
- Monthly premiums: €45–€70 under 40, €110–€190 at 60–65.
About Caser
Caja de Seguros Reunidos S.A. — commonly known as Caser — was founded in 1942 and is one of Spain’s oldest insurance brands. Since 2020 it has been owned by Helvetia, a Swiss multinational insurance group, providing financial stability and international backing.
Caser is authorised by the DGSFP and its residency-tier plans are accepted by Spanish consulates worldwide for visa applications.
Plans offered
Caser’s health portfolio for visa applicants includes:
- Caser Salud Integral — comprehensive cover with no co-pays, visa-compliant.
- Caser Familiar — family plan with children discounts.
- Caser Activa Salud — premium tier with expanded network and extras like dental and wellness.
Lower-tier plans with co-payments exist but are not visa-compliant. Confirm “sin copago” (no co-pay) before signing.
Pricing by age
Approximate monthly premiums for visa-compliant Caser plans in 2026:
- Under 40: €45–€70 / month
- 40–55: €65–€110 / month
- 55–65: €110–€190 / month
- 65+ (new applicants up to 70): €190–€280 / month, subject to medical review
Family plans typically discount 20–30% per additional insured adult.
Visa compliance
Caser’s Integral, Familiar and Activa plans meet requirements for:
Pros & cons
Pros:
- Decades-long track record and Swiss financial backing.
- Strong family-plan discounts.
- Expanded wellness and preventive-care benefits in higher tiers.
- Good for applicants in smaller cities and rural areas.
Cons:
- Smaller hospital network than Adeslas or Sanitas in major metros.
- English-language support is limited compared to Sanitas.
- Customer service historically rated lower than DKV and Sanitas.
How Caser compares
- vs Adeslas: smaller network, similar pricing, weaker digital tools.
- vs Sanitas: less English support, lower digital tools, better family discounts.
- vs DKV: similar age flexibility; DKV has stronger telemedicine.
- vs ASSSA: Caser cuts off at 70; ASSSA goes to 75+.
Frequently asked questions
Is Caser visa-compliant?
Yes, the Integral, Familiar and Activa tiers meet DGSFP and consulate requirements. Confirm the specific plan before purchase.
Does Caser accept applicants over 65?
Yes, up to age 70 with medical review. Beyond 70 you’ll need ASSSA or DKV.
How do I get a Caser quote?
Through a vetted broker from our broker directory. They can compare Caser against the other three majors for your profile.
Is Caser good for families?
Yes — Caser’s Familiar plan offers some of the steepest family discounts in the Spanish market, often 20–30% off per additional adult.