Sanitas vs Adeslas vs Asisa vs DKV: Spain Insurance 2026

Choosing private health insurance in Spain depends on the specific product, your needs, the doctors and hospitals available in your area, and the final policy terms. This guide compares ASISA, Sanitas, Adeslas and DKV by the questions to check before requesting a quote; it is not a ranking or a guarantee that a policy will meet a visa requirement.

A practical way to compare the providers

Use the same age, postcode, household details, cover level and payment frequency for each quote. Compare the annual cost, the local provider directory, covered services, copayments, waiting periods, exclusions and renewal terms. For visa applications, compare the policy wording with the current checklist published by the consulate handling your case; no insurer or broker can guarantee a consular decision.

Official product information and policy terms

• ✓ASISA: health insurance products
• ✓Sanitas: health insurance products
• ✓Adeslas: health insurance products
• ✓DKV: health insurance products
• ✓DGSFP: public registers of insurance entities

Frequently Asked Questions (FAQ)

• ✓Are pre-existing conditions covered?: This depends on the insurer's assessment and the policy terms. Disclose the requested health information and ask the insurer to confirm any exclusions in writing.
• ✓Can switching insurers remove waiting periods?: Do not assume so. Ask the new insurer which waiting periods, if any, it will waive and get the decision in writing before cancelling an existing policy.
• ✓Is dental care included?: Dental cover varies by product. Check the policy schedule for included services, limits and any additional premium.

If you are choosing a policy for a student visa, start with our student visa requirements guide and related provider comparison. For plan details, see our guides to copayments and waiting periods.