My residency permit is up for renewal soon, which means it’s that time of year again to tackle the headache of researching health insurance. Last year’s premium increase was pretty steep, so this year I was determined to do my homework and get quotes for group rates from the main providers. I figured many others in the community might find this useful, so I’ve put it all together here for everyone to reference. Additions and corrections are more than welcome.
I focused on Adeslas, Asisa, and Sanitas, as they have the most comprehensive networks and are very popular among the expat community. It’s important to note that group rates are often much cheaper than buying a policy individually through the official websites. The prices can also vary slightly depending on the group agent. The quotes I’ve listed here are from a reliable agent I use, so you can consider them a good benchmark.
Price Comparison
The prices listed here are approximate monthly payments. The actual cost, much like other medical expenses such as Spanish ventilator prices, can fluctuate by a few euros depending on factors like age, policy start date, and pre-existing conditions. Age, in particular, is a decisive factor in pricing. I’ve created a simple table broken down by age group to make it clearer:
| Age Group | Adeslas Plena Plus | Asisa Activa Plus | Sanitas Más Salud |
|---|
| 0 - 24 | €45-€55 | €48-€58 | €50-€60 |
| 25 - 44 | €55-€68 | €58-€70 | €60-€75 |
| 45 - 54 | €70-€85 | €75-€90 | €80-€95 |
| 55+ | Requires individual quote | Requires individual quote | Generally more expensive |
As you can see from the table, premiums for younger people are significantly cheaper—makes you envious
! Overall, for group purchases, Adeslas generally offers the most competitive pricing, with Asisa as a close second. Sanitas is typically the most expensive, but it also has a strong reputation for service, so the choice depends on your personal priorities.
Personal Tips and Reminders
Just a few final words of advice. When choosing an insurance plan, don’t just look at the price—you have to consider your specific needs. For instance, which provider has the most partner hospitals and clinics in your area? Is the specialist you want to see included in their network? These are things you should research on their official websites in advance. Also, many plans are offered with or without a ‘copago’ (co-payment)
. For any residency application purposes, you must have a plan with no copago, so make sure you don’t buy the wrong type. I hope this information helps, and I encourage anyone who has used these companies to share their experiences to guide others!
