Sanitas Más Salud Sin Copago for Residents
Más Salud Sin Copago is a no-copayment plan for healthcare in Spain. It may suit people who already live in Spain or are reviewing cover after their visa, but it isn't an automatic replacement for a Visado product. Sanitas states that waiting periods apply, and its published page doesn't present it as a policy for a first visa application.
When to consider it
It may be relevant when you already live in Spain and are reviewing cover at renewal, or when your residency situation doesn't require a Visado version. If you need it for an immigration procedure, find out exactly what evidence the authority handling your case requires before you choose it.
No copayments isn't the same as no waiting periods
“Sin Copago” means that the product does not charge a copayment each time an included service is used. Sanitas separately states that waiting periods apply to its health insurance, while simple diagnostic tests are available from day one.
The two are separate things. If you need a policy for a first visa, look at the relevant Visado product rather than assuming a no-copay resident plan meets every requirement.
Age
The maximum age to take out Más Salud Sin Copago is 75. Sanitas publishes no maximum age to remain insured. Eligibility still depends on the full application, not age alone.
Prices
Sanitas publishes annual premiums by age band and tariff region in its April 2026 tariffs, which apply in the first year to new insured people whose cover starts from 1 April through 31 December 2026.
Switching at renewal
Keep your existing policy in place until the new option, its effective date and any underwriting requirement have been confirmed.
Frequently asked questions
Is Más Salud Sin Copago a first-visa policy?
It isn't presented as one, and the product has waiting periods. For a first visa, look at a Visado product instead.
What is the maximum joining age?
The published maximum is 75, with no maximum age to remain insured.
Are there copayments?
No. The product name and Sanitas's own product page identify it as a no-copayment plan. Waiting periods are a separate matter.