Cheapest Health Insurance Spain for Visa
Cheapest health insurance Spain — find the most affordable visa-compliant carriers by age bracket — plus warnings about non-compliant plans.
By Bruno Bianchi, CEO of Spainguru (225,000+ community members) · Updated October 2026
Key takeaways
- Cheapest visa-compliant plan under 50: Adeslas at ~€50–€65/month (not sold through our partners; DKV and ASISA are the closest alternatives).
- Cheapest for 50+: ASSSA at €110–€145/month (available options may become more limited at older ages, depending on the insurer and exact policy).
- “Visa-compliant” = no co-pays, no deductibles. Avoid any plan advertising either.
- Minimum annual cost for any compliant plan: roughly €600–€780.
Adeslas is not offered through our partners
We rank Adeslas on price and network, but our vetted partners currently sell Sanitas, DKV, ASISA and ASSSA. If you want Adeslas specifically, contact Adeslas or an Adeslas agent directly; otherwise ask a partner for the closest compliant alternative and the consulate certificate.
What is the cheapest health insurance in Spain for a visa?
Adeslas offers the cheapest visa-compliant health insurance in Spain for applicants under 50, starting at €50–€65/month (ages 18–29). For applicants over 50, ASSSA is typically cheapest at €110–€145/month (ages 50–59). The minimum you will pay for any visa-compliant plan is approximately €600–€780 per year for a young, healthy applicant.
Cheapest Carrier by Age Bracket
The cheapest carrier changes depending on your age. Here is who offers the best rate at each bracket in 2026:
| Your Age | Cheapest Carrier | Monthly Cost | Annual Cost |
|---|---|---|---|
| 18–29 | Adeslas | €50–€65 | €600–€780 |
| 30–39 | Adeslas | €60–€80 | €720–€960 |
| 40–49 | Adeslas | €75–€100 | €900–€1,200 |
| 50–59 | ASSSA | €110–€145 | €1,320–€1,740 |
| 60–64 | ASSSA | €150–€190 | €1,800–€2,280 |
| 65–69 | ASSSA | €190–€250 | €2,280–€3,000 |
| 70+ | ASSSA (eligibility to confirm) | €250–€450+ | €3,000–€5,400+ |
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.
All prices for visa-compliant cuadro médico plans (no copays). 2026 rates. For a full pricing breakdown see our cost guide.
Warning: Plans That Are NOT Visa-Compliant
Searching for “cheap health insurance Spain” often leads to plans that will be rejected by the consulate. These include:
- Travel insurance (Allianz, World Nomads, SafetyWing) — not accepted
- International health insurance (Cigna Global, Aetna International) — not accepted
- Copay plans (con copagos) — cheaper but rejected for visa purposes
- Reimbursement plans — not the same as cuadro médico
The €30–€40/month plans you see advertised online are almost always copay or travel plans. If the price seems too good to be true, it is not visa-compliant.
How to Save Money (Legitimately)
Pay Annually
Most carriers offer a 5–10% discount for annual payment vs monthly. On a €70/month plan, that saves €42–€84/year.
Use a Broker
Brokers often have negotiated rates that are lower than going directly to the carrier. Their service is typically free (paid by commission from the carrier).
Family Discounts
Insuring your whole family with one carrier often triggers a multi-policy discount of 5–15%. Children under 14 are particularly cheap (€30–€50/month). If you’re applying as a household, see how families and couples price NLV cover per member.
Enrol Young
Premiums increase with every age bracket. Enrolling at 29 vs 30 or at 49 vs 50 can lock you into a lower initial rate. Once enrolled, you cannot be dropped.
Frequently Asked Questions
What is the minimum cost of visa-compliant health insurance in Spain?
The lowest indicative price is around €40–€50/month (€480–€600/year) for an 18–29-year-old on a cuadro médico plan with no copays. Well below that, you will usually only find copay plans or travel insurance, which are not accepted for visa applications.
Is SafetyWing or World Nomads accepted for a Spanish visa?
No. SafetyWing, World Nomads, and similar travel/nomad insurance providers are not accepted for Spanish visa applications. Consulates require insurance from a carrier specifically authorised to operate in Spain by the DGS. This means Adeslas, ASSSA, Sanitas, DKV, or other Spanish-regulated carriers only.
Find the Cheapest Visa-Compliant Plan
Compare all four carriers and get a personalised quote for your age and visa type.
Nationality-specific guides: US citizens · UK citizens · EU citizens · All foreigners · Best for expats · Travel insurance
Related Guides
Full Cost Breakdown
Detailed pricing by age, carrier, and plan type
Best Insurance for Expats 2026
Ranked comparison of all 4 carriers
How to Get Health Insurance
Step-by-step buying guide
All carriers listed are authorised by Spain’s DGS. Updated October 2026.
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
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