ASISA Health Insurance Spain
ASISA is a cooperative Spanish insurer owned by HLA hospital group. Here’s how its plans compare for visa applicants in 2026.
- ASISA is a Spanish cooperative insurer owned by 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 is typically 70 for new applicants.
- Monthly premiums: €40–€65 under 40, €90–€160 at 60–65.
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, compliant for NLV, DNV, Student and Retirement visas.
- 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.
- Age limit of 70 is stricter than ASSSA’s 75+ flexibility.
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: tighter age limit, but stronger hospital network.
Frequently asked questions
Is ASISA visa-compliant?
Yes, the Integral, Familiar and Plus plans meet DGSFP and consulate requirements. Always confirm with your broker which plan tier is being issued.
Does ASISA accept applicants over 65?
Yes, up to age 70 with medical review. Over 70 is generally declined — consider ASSSA or DKV for older applicants.
Does ASISA cover pre-existing conditions?
Common conditions (hypertension, diabetes, asthma) are accepted with possible surcharges. 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.