Adeslas Health Insurance in Spain: The 2026 Guide
If you are an expat already living in Spain — or planning to move here for retirement, remote work, or a long stay — sooner or later the question of private health insurance comes up. And once you start asking around, one name appears in almost every conversation: Adeslas.
Best overall pick
From 62 €/month
Adeslas Plena Plus
- No copay
- Visa-compliant
- Hospitalization & surgery
- High-tech diagnostic tests
- Therapeutic treatments
- Largest medical network in Spain
- Subscribable up to age 70
For frequent travellers
From 90 €/month
Plena Extra 150 MIL
- No copay
- Visa-compliant
- 80% reimbursement worldwide
- Reimbursement limit: €150.000/year
- Full Adeslas network access
- Hospitalization & surgery
- Therapeutic treatments
Best for families
From 83 €/month
Adeslas Plena Total
- No copay
- Visa-compliant
- Hospitalization & surgery
- Price locked for 3 years
- Dental cover (46 treatments)
- Travel assistance up to €100,000
- Free annual health check
Adeslas (officially SegurCaixa Adeslas) is the largest private health insurer in Spain by market share, owned jointly by Mutua Madrileña and CaixaBank. For foreigners, two things make it especially relevant: it has the biggest medical provider network in the country, and several of its policies are specifically designed to meet visa and residency requirements for non-EU nationals.
This guide is written for you — the British retiree on the Costa Blanca, the American digital nomad in Madrid, the German pre-retiree thinking about a permanent move to Andalucía, the Dutch family applying for a non-lucrative visa. We will go through every Adeslas health plan currently on sale, what each one really covers, how much you will pay according to your age and family situation, and which one fits your case best.
Why Adeslas matters particularly for foreigners in Spain
Most expat advice points to two insurers in Spain: Adeslas and Sanitas. They are not interchangeable, and the choice is not just a matter of price.
Adeslas has the largest private medical network in Spain. This is not marketing fluff — it is the single most important reason expats end up with Adeslas. A larger network means more chance of finding a specialist near your village in inland Murcia, more chance that the cardiologist who finally calls you back next month happens to speak English, and more flexibility if you move between cities.
Sanitas, on the other hand, is owned by BUPA UK. Its English-language customer service is generally smoother, and many British expats find the cultural fit easier. The trade-off is a smaller (though still substantial) network and slightly higher prices in most segments.
In practice, many expats who live in major cities (Madrid, Barcelona, Valencia, Málaga, Palma) lean towards Sanitas for the language. Those who live in smaller coastal towns, in rural Spain, or who travel a lot inside the country often pick Adeslas because they will actually find a doctor when they need one.
If you would rather have someone interpret the health insurance catalogue for your specific situation, that is exactly what we do at Selectra. Our expat health insurance team advises in English, completely free of charge — we compare Adeslas against the rest of the Spanish market, recommend what genuinely fits your age, family, and visa requirements, and handle the paperwork if you decide to subscribe.
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Specialist advisors for the insurance market
What Adeslas health insurance looks like in 2026: The full catalogue
Adeslas sells 14 health insurance products in Spain, broadly grouped into four families:
- General-public plans: for residents, families, and individuals.
- Senior plans: for people aged roughly 55 to 84.
- Self-employed and SME plans: for freelancers, digital nomads on Spain's autónomo regime, and small businesses.
- Reimbursement plans: top-tier policies that let you use any doctor in or outside Spain, with the insurer reimbursing 80–90% of the bill.
Here is the full catalogue, sorted by entry price.
| Plan | Type | Co-pay | Dental | Max age to subscribe | Price (From) |
|---|---|---|---|---|---|
| Adeslas Go | Basic (outpatient only) | High | No | 69 | €21/month |
| Plena Vital | Complete | High | No | 70 | €38/month |
| Plena Total Vital | Complete | Medium | Yes (46 acts) | 62 | €48,50/month |
| Plena | Complete | Low | No | 70 | €51/month |
| Negocios | Complete (self-employed) | None | No | 70 | €51/month |
| Negocios y Dental | Complete (self-employed) | None | Yes (46 acts) | 67 | €55,50/month |
| Pymes Total | Complete (self-employed/SMEs) | None | Yes (46 acts) | 67 | €60/month |
| Plena Plus | Complete | None | No | 70 | €62/month |
| Seniors | Complete (55–84) | Medium | No | 84 | €67,50/month |
| Plena Total | Complete | None | Yes (46 acts) | 62 | €83/month |
| Plena Extra 150 MIL | Complete + Reimbursement | None | No | 64 | €90/month |
| Plena Total Seniors | Complete (63–84) | Low | Yes (46 acts) | 84 | €101/month |
| Plena Extra 240 MIL | Complete + Reimbursement | None | No | 64 | €112/month |
| Premier | Complete + Reimbursement (top tier) | None | No | 64 | €157/month |
Throughout this guide, "from" prices refer to the cheapest profile Adeslas sells the policy to. For more realistic pricing, see the profile-by-profile breakdowns below.
Decoding the Spanish Health Insurance Vocabulary
Before we go plan by plan, three concepts you will see everywhere and need to understand:
1️⃣ Cuadro médico — the network of doctors, hospitals, and clinics the insurer has under contract. With cuadro médico policies (Plena, Plena Plus, Plena Total, etc.), you can only use providers inside the network. With reembolso (reimbursement) policies (Plena Extra 150/240 MIL, Premier), you can use any doctor, anywhere, and the insurer pays you back a percentage.
2️⃣ Copago (co-pay) — a small fee, between roughly €1 and €15, that you pay each time you use a service. A "low copay" policy charges €1–3 for a GP visit; a "high copay" policy can charge €10+ for specialists and tests. No-copay policies cost more upfront, but you pay nothing per visit. This matters a lot if you expect to use the insurance frequently — for example, if you have a chronic condition or a young child.
3️⃣ Carencias (waiting periods) — periods after subscription during which certain services are not yet covered. Standard at Adeslas: surgery and complex procedures have a 6-month waiting period; childbirth has 8 months; assisted reproduction has 12 months. Routine GP visits, specialists, and basic diagnostics generally have no waiting period or just one month. For Spanish visa applications, your insurer must confirm in writing that there are no waiting periods (sin carencias) for the visa-relevant coverages. Adeslas issues this certificate on request.
4️⃣ Cuestionario de salud (medical questionnaire) — most Adeslas plans require you to fill in a questionnaire about your medical history before they accept you. Pre-existing conditions can lead to exclusions or surcharges. Only Adeslas Go is sold without a questionnaire — but its coverage is also more limited.
Adeslas for visa applications: The most important Section if you are not from the EU
If you are applying for a Spanish residency visa from outside the EU — whether that is the non-lucrative visa (NLV), the digital nomad visa (DNV), the golden visa, a student visa longer than 6 months, or a family reunification visa — you must prove that you have private health insurance that meets four criteria:
- Full coverage, equivalent to what the Spanish public system offers.
- No co-payments at the point of use.
- No waiting periods (or with the carencias formally waived in writing).
- Valid in Spain for the entire duration of the visa.
Of all the Adeslas plans, the four that comfortably tick every box for visa purposes are:
- Plena Plus (€62/month from)
- Plena Total (€83/month from)
- Plena Extra 150 MIL (€90/month from)
- Plena Extra 240 MIL (€112/month from)
- Premier (€157/month from)
Comprehensive plan
From
62
€/month
Adeslas Plena Plus
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
Comprehensive plan
From
83
€/month
Adeslas Plena Total
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- Price locked for 3 years
- Dental cover (46 treatments)
- Free annual health check
Reimbursement plan
From
90
€/month
Plena Extra 150 MIL
- No copay
- reimbursement limit: 150.000 €
- reimbursement: 80%
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
Plus, for older applicants:
- Plena Total Seniors (€101/month from, ages 63–84)
All of these are no-copay, complete-coverage policies, and Adeslas will issue the visa-compliance certificate (certificado para visado) on request, normally within 24–48 hours. You will need this PDF to attach to your visa file.
A word of caution.
Plans with copay — even very low copay — can be rejected by some Spanish consulates abroad. We have seen rejections in London, in the US (especially New York and San Francisco), and occasionally in Brussels. If you are submitting your visa file at a consulate that is known to be strict, do not gamble with a copay policy; pick one of the no-copay plans above.
Which Visa-Compliant Adeslas Plan Should You Pick?
For most NLV and DNV applicants, Plena Plus is the sweet spot. It has zero co-pay, complete hospital coverage including surgery and ICU, no maternity surcharges, and the same network as the more expensive Plena Total. Its only "limitation" is that it does not include dental — and you can either skip dental, take a separate Adeslas dental policy, or upgrade to Plena Total.
If you want dental included out of the box, go for Plena Total (€83/month from). It also bumps your travel-assistance coverage abroad from €12,000 to €100,000, which matters if you plan to keep travelling outside Spain.
If you are applying for a visa and you want full freedom to use any doctor (including English-speaking specialists outside the Adeslas network — important if you live in a less-touristy area), go straight to one of the reimbursement plans:
- Plena Extra 150 MIL — reimbursement up to €150,000/year per insured person. From €90/month for a young adult, around €265/month at 65.
- Plena Extra 240 MIL — same product but with the ceiling lifted to €240,000/year. From €112/month, around €395/month at 65.
- Premier — Adeslas's top-tier offer, with the highest reimbursement ceilings, the widest international validity, and the longest list of premium providers in network. From €157/month, climbing to roughly €545/month at 65.
For a 35-year-old digital nomad on the DNV who travels often and likes the option of London Harley Street consultations during home visits, Plena Extra 150 MIL is the typical pick. For a family with three school-age children on the NLV who plan to settle long-term, Plena Total + a small extra dental top-up is more cost-efficient than Premier.
Adeslas for British Retirees Post-Brexit
Brexit changed the rules for British nationals retiring to Spain. If you are a UK citizen who became a Spanish resident before 31 December 2020, you fall under the Withdrawal Agreement and your S1 form (UK-issued) gives you access to the Spanish public health system. If that is you, you may not need Adeslas at all — though many expats in this group still take a private policy on top, to avoid waiting lists for non-urgent specialists.
If you are arriving after Brexit, the picture is different. You cannot use the GHIC (the post-Brexit EHIC replacement) for residency in Spain — only for short visits. You have two practical paths:
- Convenio Especial — a Spanish public-system option that lets residents who are not entitled to free public healthcare pay a monthly fee (€60 if you are under 65, €157 if you are over 65) to use the system. It does not cover prescriptions and waiting lists are the same as for any Spanish citizen.
- Private health insurance, typically Adeslas or Sanitas. This is what most British retirees pick because it sidesteps waiting lists and gives faster access to specialists.
For UK retirees specifically, the most relevant Adeslas plans are:
If you are aged 55 to 84: Adeslas Seniors and Plena Total Seniors
Most retirement-focused British expats land on one of two plans.
For Seniors
From
67,5
euros/month
Adeslas Seniors
- Ages: 55 to 84 years
- Primary care and urgent care
- Specialties
- Diagnostic tests
- Hospitalization and surgery
- Transplants
- Podiatry
- Travel assistance
For Seniors
From
101
euros/month
Plena Total Seniors
- Ages: 55 to 84 years
- Primary care and urgent care
- Specialties
- Diagnostic tests
- Hospitalization and surgery
- Transplants
- Podiatry
- Travel assistance
- Price locked for 3 years
- Dental cover (46 treatments)
1️⃣ Adeslas Seniors (from €67.50/month) is built specifically for the 55–84 age bracket. It has medium co-pay, covers complete hospitalisation, and crucially uses the Asesor Médico (medical advisor) model — you get a coordinating doctor who helps navigate referrals. It does not include dental and travel-assistance is capped at €12,000.
Profile pricing examples:
- Pre-retired (age 65): around €103/month
- Aged 70+: around €133/month
2️⃣ Plena Total Seniors (from €101/month) is the upgraded, dental-inclusive version aimed at ages 63–84. It has low co-pay (significantly less than Seniors), 46 dental acts included, travel assistance up to €30,000, and — a feature British retirees love — the price stays the same for the first three years. No surprise hikes at the second renewal.
Profile pricing examples:
- Pre-retired (age 65): around €134/month
- Aged 70+: around €164/month
For most British retirees who plan to use the insurance regularly (and who doesn't, at retirement age?), Plena Total Seniors is worth the extra money over plain Seniors. The lower copay alone offsets a meaningful share of the price difference if you end up seeing specialists more than once a month.
If you are approaching 70 and want a No-copay, Visa-compliant plan
This is the trickiest age bracket. Most "no co-pay" Adeslas plans cap subscription at age 70, and reimbursement plans cap at 64. If you are 67 and arriving on a visa, your realistic options at Adeslas are:
Comprehensive plan
From
62
€/month
Adeslas Plena Plus
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
Comprehensive plan
From
83
€/month
Adeslas Plena Total
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- Price locked for 3 years
- Dental cover (46 treatments)
- Free annual health check
For Seniors
From
101
euros/month
Plena Total Seniors
- Ages: 55 to 84 years
- Primary care and urgent care
- Specialties
- Diagnostic tests
- Hospitalization and surgery
- Transplants
- Podiatry
- Travel assistance
- Price locked for 3 years
- Dental cover (46 treatments)
- Plena Plus (max age 70) — no copay, visa-compliant. Subscribe before your 70th birthday and the policy renews automatically year on year.
- Plena Total (max age 62) — no longer available at this age.
- Plena Total Seniors (ages 63–84, low copay) — visa-compliant in most consulates, but check yours.
If you are 70 or older and need a no-copay plan for a visa, you have effectively run out of Adeslas options and will need to look at competitors. Some British expats in this situation switch to Sanitas Más 65 or DKV Modular Senior, both of which subscribe up to age 75.
Adeslas for Digital Nomads and Self-Employed Foreigners
If you are working as an autónomo in Spain (which is what most digital nomads end up doing once their tax residency falls in Spain), Adeslas has three plans designed specifically for self-employed and small-business clients:
Self-Employed
From
51
€/month
Negocios
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- 50% reimbursement on physiotherapy and podiatry
Self-Employed
From
55,50
€/month
Negocios y Dental
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- 50% reimbursement on physiotherapy and podiatry
- Dental cover (46 treatments)
Self-Employed
From
60
€/month
Pymes Total
- No copay
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- 50% reimbursement on pharmacy, speech therapy, physiotherapy and podiatry
- Dental cover (46 treatments)
- Price locked for 3 years
- Negocios (€51/month from) — complete coverage, no co-pay, no dental, max age 70.
- Negocios y Dental (€55.50/month from) — same but with 46 dental acts included, max age 67.
- Pymes Total (€60/month from, can subscribe from age 1) — complete, no co-pay, dental included, the same-price-for-3-years guarantee, plus partial reimbursement (50%) on pharmacy, speech therapy, physio, and podiatry.
The autónomo plans are tax-deductible up to €500/year per insured person (€1,500 if you have an accredited disability), which makes them de facto cheaper than they look on the price list. Your gestor or accountant can tell you exactly how much you can deduct against your IRPF.
For digital nomads who want flexibility — for example, the option of seeing a specialist while on a work trip back to their home country — Plena Extra 150 MIL is often a better pick than Negocios, even if you lose some of the autónomo-specific tax benefit. It runs at around €106/month for a 30-year-old young professional and covers care abroad with reimbursement up to €150,000 per year. For someone who is technically based in Spain but travels two months a year, this is the policy that lets you use a doctor in your home country without losing coverage.
Adeslas for Families: How Much Does It Actually Cost?
Family pricing is where the headline numbers and the real numbers diverge most. The "from €X" figure is for one healthy young adult; with a partner and children, the maths changes significantly.
Here are real Adeslas premiums by family profile, starting price as of the 2026 catalogue:
| Plan | Single parent + 1 child (38 + 6) | Young family (2×38 + 1×3) | Family with teens (2×48 + teens 17 & 14) |
|---|---|---|---|
| Adeslas Go | €37,80 | €56,70 | €75,60 |
| Plena Vital | €88 | €138 | €179,10 |
| Plena Total Vital | €105 | €163 | €208,80 |
| Plena | €110 | €170 | €219,60 |
| Plena Plus | €134 | €206 | €277,20 |
| Plena Total | €182,02 | €266,97 | €367,24 |
| Plena Extra 150 MIL | €196 | €302 | €363,60 |
| Plena Extra 240 MIL | €241 | €374 | €509,40 |
| Premier | €336 | €519 | €729 |
Two practical observations for foreign families:
- First, Plena Plus is the value champion for visa-compliant family insurance. €206/month for a young family of three, no copay, complete hospital coverage. Sanitas's equivalent (Más Salud) costs around €175 for the same profile — slightly cheaper, but with a smaller network.
- Second, Adeslas Go is striking value for a healthy family that just wants something to fall back on. €56.70/month for a young family of three — that is €14 per person per month. The catch: it is outpatient-only (no hospitalisation), high copay, and absolutely not visa-compliant. It is a good "supplementary" policy if you already have public-system access through work. It is not a good primary policy if you depend on it.
The budget tier: Adeslas Go and Plena Vital
If price is your primary constraint, Adeslas has two entry-level options.
Basic plan
From
21
€/month
Adeslas Go
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- No medical questionnaire
Comprehensive plan
From
38
€/month
Adeslas Plena Vital
- Primary care
- Specialist consultations
- High-tech diagnostic tests
- Therapeutic treatments
- Hospitalization
- Surgery
- 50% reimbursement on physiotherapy and podiatry
Adeslas Go (from €21/month)
The cheapest health insurance Adeslas sells. It is also the only plan you can subscribe to without filling in a medical questionnaire, which makes it unique in the catalogue and useful for people with pre-existing conditions who would otherwise be excluded or surcharged.
The trade-offs are real. Adeslas Go covers:
- Primary care (GP, paediatrics, nursing)
- All outpatient specialists
- Diagnostics including high-tech imaging (MRI, CT, etc.)
- Outpatient mental health
It does not cover:
- Hospitalisation
- Surgery
- ICU
- Childbirth
- Anything that requires being admitted
It carries a high co-pay on most services and is not valid for residency visas. Treat it as a "fast access to specialists" supplement, not as a substitute for hospitalisation cover.
Plena Vital (from €38/month)
The cheapest complete (i.e. with hospitalisation) plan from Adeslas. It carries a high co-pay — around €10 per specialist visit, more for diagnostics — but it does cover surgery, ICU, and childbirth. Maximum subscription age 70.
Plena Vital is a good fit for a foreigner who:
- Already has access to public healthcare and just wants private as a fast-track option.
- Will use the insurance occasionally rather than monthly.
- Is comfortable paying a small fee per visit in exchange for a much lower premium.
It is not generally accepted for visa applications, even though its coverage technically is complete, because of the copay.
How to Subscribe to Adeslas as a Foreigner: The Practical Steps
The process is more streamlined than expats often expect, but there are a few specific points where being foreign adds friction.
Documents you will need:
- NIE (Número de Identificación de Extranjero) — your Spanish foreigner ID. Adeslas can technically accept a passport for the initial quote, but they will not formalise the policy without an NIE. If you are still waiting for your NIE, it is worth getting the appointment done first.
- Passport or TIE card.
- Spanish bank account with IBAN — Adeslas debits the monthly premium directly. Some brokers can process the policy with a non-Spanish IBAN under SEPA, but it is messier.
- Spanish address — even a temporary rental address works.
- Medical questionnaire (online or paper). Be honest. Lying about pre-existing conditions is a contract-voiding offence and you will lose coverage exactly when you most need it.
- For visa applications only: request the certificado para visado (visa-compliance certificate) once the policy is signed. It is free and Adeslas will email it to you as a PDF.
How long does it take? With all documents in order, an Adeslas policy can be live within 48 hours. Allow a week if you also need the visa certificate, and longer if your medical questionnaire flags conditions that need underwriting review.
Where to subscribe? Three channels:
- Adeslas direct (website, branches, phone). All-Spanish process.
- Selectra Useful if your Spanish is limited and you want someone to handle the paperwork. Selectra earn a commission from Adeslas, so the price you pay is identical to going direct.
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Specialist advisors for the insurance market
Co-pays at Adeslas: What "Low", "Medium" and "High" Actually Mean
Adeslas does not publish a public price list of co-pays per service, but the broad ranges in the catalogue work like this:
- Low co-pay (Plena, Plena Total Seniors): roughly €1–3 for GP and most specialists, €4–6 for diagnostics, €8 for ER.
- Medium co-pay (Plena Total Vital, Seniors): roughly €4–8 for specialists, €8–15 for high-tech imaging.
- High co-pay (Adeslas Go, Plena Vital): around €10 for specialists, €18+ for high-tech imaging, €15 for ER.
- No co-pay (Plena Plus, Plena Total, Negocios, Pymes Total, all reimbursement plans): zero per visit.
The exact numbers vary slightly by year and region. Your policy contract will list every co-pay precisely. If you anticipate using the insurance more than 4–5 times a month (typical for a chronically-managed condition or a young child), the no-copay plans pay for themselves.
Adeslas vs Sanitas vs DKV: A Quick Comparison for Expats
This is not an Adeslas-only article in spirit — you should know what your alternatives look like. If you want the wider view, our ranking of the best private health insurance in Spain compares the top providers head-to-head.
Sanitas (BUPA UK group) is Adeslas's main rival. English-language customer service is generally smoother. The flagship Más Salud is roughly comparable to Plena Plus in price and coverage. Sanitas has fewer hospitals than Adeslas but very strong infrastructure in Madrid, Barcelona, and the major Mediterranean cities.
DKV (Munich Re group) is the German option. Excellent international claim handling and a well-regarded modular structure where you can build your policy à la carte. Slightly more expensive than Adeslas at entry. Customer service available in English, German, and Spanish.
- For a British expat who values English-language service: Sanitas first, Adeslas second.
- For a foreigner who values network breadth and provincial coverage: Adeslas first, Sanitas second.
- For a German expat with frequent home visits: DKV first, Adeslas or Sanitas second.
Frequently Asked Questions
Can I get Adeslas health insurance without an NIE?
You can request a quote without one, and a broker can pre-fill almost everything, but the policy cannot be formally activated until your NIE is issued. Plan to get the NIE appointment first, or arrive in Spain with enough buffer to do both before your visa requirements bite.
Does Adeslas cover me when I travel back to my home country?
All Adeslas plans except Adeslas Go include travel assistance abroad — €12,000 on most plans, €30,000 on Plena Total Vital, Plena Total Seniors and Pymes Total, and €100,000 on Plena Total. This covers emergencies during trips of up to 60–90 days, not planned care. For planned care abroad — for example, an annual check-up with your old GP in the UK — you need a reimbursement plan (Plena Extra 150 MIL, Plena Extra 240 MIL, or Premier).
Is Adeslas valid for a Spanish non-lucrative visa or digital nomad visa?
Yes, with the right plan. Plena Plus, Plena Total, Plena Extra 150 MIL, Plena Extra 240 MIL, Premier and Plena Total Seniors all qualify. Plans with co-pay (Plena, Plena Vital, Plena Total Vital, Seniors, Adeslas Go) may be rejected by stricter consulates and should be avoided for visa purposes.
How much does Adeslas cost for a 65-year-old British retiree?
Realistic 2026 starting prices for a healthy 65-year-old, no major pre-existing conditions:
- Plena: around €166/month
- Plena Plus: around €239/month
- Plena Total Seniors: around €134/month
- Seniors: around €103/month
- Plena Extra 150 MIL: around €265/month
- Premier: around €545/month
Real prices depend on your medical questionnaire and postal code, and quotes can vary by ±15% from the figures above.
Will my pre-existing conditions be covered?
Most Adeslas plans require a medical questionnaire and may exclude or surcharge pre-existing conditions. The exception is Adeslas Go, which is sold without a questionnaire — but with limited coverage. If you have a significant pre-existing condition and need full hospital cover, expect either an exclusion clause for that specific condition or a premium loading. A broker who knows the underwriting team can sometimes negotiate better terms than the standard online quote.
Does Adeslas have English-speaking doctors?
Many doctors in the Adeslas network speak English, especially in Madrid, Barcelona, the Costa Blanca, the Costa del Sol, the Balearics, and the major university cities. The Adeslas online directory lets you filter by language for some specialties, though the filter is not perfectly maintained — you may need to call the practice to confirm. The administrative layer (call centre, app, claims) is Spanish-only.
Can I cancel Adeslas if I leave Spain?
Yes. Standard Adeslas policies are annual contracts that auto-renew. To cancel, you must send written notice (a registered letter or, in practice, an email to bajas@adeslas.es / bajassalud@adeslas.es) at least one month before the renewal date. If you cancel mid-year you forfeit the remaining months — there are no pro-rata refunds outside very specific circumstances (death of the insured, change of insurer for visa reasons in some cases).
What is the difference between Plena Extra 150 MIL and 240 MIL?
Both are "mixed" plans: you can use the Adeslas network like a normal patient, or go to any doctor anywhere and have the bill reimbursed. The number (150,000 or 240,000) is the maximum reimbursement Adeslas will pay per insured person per year. For most expats, 150 MIL is plenty — only people with anticipated heavy international care should consider 240 MIL or step up to Premier.
A Final, Honest Recommendation
If you are a foreigner moving to or already living in Spain and you are reading this article because you typed "adeslas health insurance" into Google, the chances are you are a few weeks away from a decision and you want a clear answer.
Here is one.
- For a healthy adult under 64 on a residency visa: Plena Plus. Best balance of price, coverage, and visa compliance. Around €62–92/month for working-age adults.
- For a family with school-age children settling in Spain: Plena Total. Dental included, generous travel assistance, no copay, no surprises. Around €266/month for a family of three.
- For a British retiree aged 63–84: Plena Total Seniors. Locked price for three years, low copay, dental included. Around €134–164/month depending on age.
- For a digital nomad on the autónomo regime: Negocios y Dental, or Plena Extra 150 MIL if you travel a lot. Tax-deductible up to €500/year.
- For someone who wants the absolute top tier and has the budget: Premier. The most flexible Adeslas product on sale, with the highest international ceilings.
- If price is the main constraint and you already have public-system access: Plena Vital (€38/month) or Adeslas Go (€21/month, outpatient only).
Whichever plan you pick, do not subscribe in a hurry. Get a quote in writing, read the conditions list (the Condicionado General), confirm the visa certificate process if you need it, and check that your local hospitals and the specialists you actually plan to use are in network. The difference between a great experience and a frustrating one in Spanish private healthcare is rarely the brand — it is whether your specific village happens to have the doctor you need.