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).
- Spain’s largest health insurer by market share and hospital directory.
- Widest medical network in the country — over 43,000 providers.
- Maximum entry age: 65. No new applicants past that age.
- Among the cheapest visa-compliant plans for applicants under 50.
Quick Facts
Note: Adeslas may accept applications above age 65 on a case-by-case basis subject to medical review, but 65 is the standard entry age cutoff for straightforward enrollment.
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 through a broker:
| 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 | Max entry age is 65 |
Important: Adeslas’s maximum entry age is 65 — the lowest among major Spanish carriers. If you’re 66 or older, see DKV (up to 74) or ASSSA (75+). Get quotes through a visa-specialist broker for compliant policies.
What’s Covered?
A visa-compliant Adeslas policy includes:
Adeslas Limitations to Know
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 | 65 | 69 | 74 |
| English Support | Limited | Yes | Yes |
| Best For | Largest network, best price | Digital-savvy expats | Older applicants |
How to Get Adeslas for Your Visa
Contact a Visa Insurance Broker
Adeslas’s retail website sells copay plans. For visa compliance, use a specialist broker who arranges the no-copay version with immediate coverage.
Specify 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.
Get Your Policy Documents
Your broker provides the no-copay policy certificate and benefits summary needed for your visa application.
Submit 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.
Why is Adeslas’s age limit lower than other carriers?
Adeslas’s underwriting policy caps new enrolments at age 65. This is a business decision related to risk management. For applicants over 65, DKV (up to 74) and ASSSA (75+) are the recommended alternatives.
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 all Spanish consulates?
Yes. Adeslas is Spain’s largest private insurer and is universally recognised by consulates. It’s one of the most commonly submitted carriers in visa applications, so consulates are very familiar with their documentation.
Get an Adeslas Quote for Your Visa
Access Spain’s largest medical network with a visa-compliant Adeslas policy — no copays, immediate coverage, arranged by vetted brokers.
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