Sanitas Más Salud Familias Sin Copago for Resident Families
Más Salud Familias Sin Copago is family health insurance with no copayments. It is sold on family tariffs and is designed for households receiving care in Spain. Sanitas does not present it as a visa policy, so if your family needs insurance for a visa application, start with Residents Visado instead.
Who it suits
- Families who already live in Spain and want one no-copay policy for the household.
- Families reviewing their cover once they are settled, for example at renewal.
If you're still applying for a visa, look at the Visado versions of Residents: those are the products the insurer presents for visa applications. Our couples and families page explains how we handle applications for more than one person.
No copayments, but waiting periods apply
"Sin copago" means you don't pay a charge each time you use an included service. It doesn't mean there are no waiting periods: Sanitas states that waiting periods apply to its health insurance, with simple diagnostic tests available from the first day. That's one of the main reasons it isn't a like-for-like substitute for a Visado policy.
Prices
Sanitas publishes Más Salud Familias Sin Copago tariffs by family size in its April 2026 tariff document. Your premium depends on who is insured and where you live, so we quote each family individually.
Medical questions
Each person completes a health questionnaire. Our medical questionnaire page explains how the process works.
How to apply with us
- Tell us who needs cover, their ages and where you live in Spain.
- We confirm whether this plan or a Visado plan fits your situation.
- You complete the application, and we help with the questions.
Frequently asked questions
Can we use Más Salud Familias Sin Copago for a visa application?
It isn't presented as a visa product, and it has waiting periods. For a visa application, look at Residents Visado.
Is there a copayment when we see a doctor?
No. As the name says, it is a no-copay product.