Arranging Private Health Insurance Cover in Spain

Healthcare

Private Health Insurance

If you are applying for Spanish residency, a Non-Lucrative Visa, a Digital Nomad Visa, or many other immigration routes, comprehensive private health insurance is not optional — it is a mandatory requirement. The policy must meet specific immigration criteria, including full healthcare coverage in Spain without co-payments in many cases.

As an authorised Sanitas agent, Malaga Expat helps individuals, couples and families arrange compliant private health insurance quickly and easily. I can guide you through the available options, explain the differences between plans and help ensure you obtain the right cover for your specific visa or residency application, or as a complementary product to your Spanish public health cover.

Why I Recommend Sanitas

Having worked with many major private health insurers in Spain, I have found that Sanitas consistently stands out for the breadth and quality of its healthcare ecosystem, particularly for expatriates seeking premium medical care, English-language support, and innovative digital health services.

Sanitas offers access to one of Spain’s largest medical networks, with more than 58,000 specialists, over 4,500 medical centres and its own hospitals and healthcare facilities, providing excellent nationwide coverage and access to advanced medical technology.

A major advantage is Blua, Sanitas’ market-leading digital healthcare platform. Through the Mi Sanitas app, policyholders can access 24/7 video consultations, same-day specialist appointments, digital prescriptions, online physiotherapy, mental wellbeing and health programmes, remote monitoring and a wide range of preventive health services. No other insurer in Spain offers such a comprehensive digital healthcare ecosystem.

Sanitas is also a leader in preventive and personalised healthcare, including innovative genomic and health-monitoring services that reflect its commitment to the future of medicine and continuous investment in the state-of-the-art medical technology.

For expatriates, another key benefit is the extensive availability of English-speaking support and medical professionals, as well as English-language documentation and digital services.

As part of the Bupa Group, Sanitas has built an outstanding reputation for quality healthcare, innovation and customer service, making it one of the most popular choices among international residents in Spain.

Healthcare

Get a Personalised Quote

Whether you are applying for a visa, arranging residency, or simply investing in your personal and family’s healthcare, I can help you find the most suitable Sanitas policy for your circumstances.

Get in touch today for a no-obligation quote and personalised advice on arranging the health insurance you need for your life in Spain.

One-on-One Consultations

Need guidance on a specific issue? We offer personalised consultations to help you understand.
01

Immigration

Visa options & application strategy to increase chances of accpetance

02

House Support

Property search tips helping you make the right decisions

03

Spanish Administration

Administrative requirements to deal with bureaucracy.

http://Irina%20Saltmarsh
Testimonial

What They Say About Us

Posted on Google Google
Jessica Wolfe profile picture
Jessica Wolfe
September 25, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Irina and her husband Frederick guided us expertly through the steps required to secure our Spanish residency as a U.S. / EU couple. What initially felt like a daunting process became easy and stress-free with their assistance, which included setting up appointments for NIE, Padrón, and TIE, opening a local bank account, and making sure we had all the necessary documentation properly notarized, apostilled, and translated. Of all the expenses we incurred for our international move, hiring Irina was the best investment in our future life in Spain.
Posted on Google Google
Anna Nagys profile picture
Anna Nagys
September 17, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a great experience working with Irina from Malaga Expat. She was incredibly organized with all of our documentation and made sure we had everything prepared correctly for every step of the process. Most importantly, she booked every single appointment we needed and get everything done on time — which, as anyone who has dealt with Spanish bureaucracy knows, is almost an impossible task! 😄 Irina is knowledgeable, responsive, and very easy to work with. We’re very grateful for all her help and would definitely recommend her!
Posted on Google Google
Audrey Christie profile picture
Audrey Christie
September 10, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I turned to Irina for help when I realised it is rather difficult in Spain to submit a visa application entirely by yourself, especially not being a fluent Spanish speaker. I was also running out of time and beginning to panic! She helped me through the process and I received my visa extension much more quickly than expected which meant I could renew my TIE also before the expiry deadline. I am very grateful for her patience and assistance!
Posted on Google Google
l h profile picture
l h
August 23, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I called Irina Ms. Efficiency. She organized everything with such care that the entire process went smoothly and without hiccups. She found a wonderful place for us, and reviewed the legal contract. In a couple of days after arrival we were able to apply for Padron and had a bank account. In a couple of weeks we were Spanish residents. She and Rick prepared everything so well that the appointments took only 2-3 minutes and we had the documents in hand. We got private health insurance using her expertise as well. In less that a month she solved every single administrative problem for us. Last but not least, she helped enroll our son in school! She is trustworthy, responsive and helpful in every way, we had a wonderful experience. She made a difficult process look easy, although I’m sure without appropriate help it may not have been so. If you want efficient, personable, knowledgeable people, Malaga Expat Consulting is the way to go. Thank you Irina and Rick!
Posted on Google Google
Jilan Knoblauch profile picture
Jilan Knoblauch
August 21, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Irina’s exceptional organization and attention to detail ensure that every aspect of the registration and administrative process is handled seamlessly upon your arrival. Engaging her services has been one of the best decisions we’ve made during our relocation. Her support has made the entire process significantly easier and less stressful. We highly recommend her services!
Posted on Google Google
NAM profile picture
NAM
July 24, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Irina on my visa application was an absolute joy! She made what could have been a daunting process feel completely seamless and stress-free. Irina is exceptionally knowledgeable, easy to work with, and took the time to explain every detail clearly so I always felt informed and confident. What stood out most was her professionalism and dedication, she was always available to answer my questions, even after hours. I can honestly say that without Irina, this process would have been so much more difficult. I couldn’t recommend her highly enough!
Posted on Google Google
Jean-Marc Zuczek profile picture
Jean-Marc Zuczek
July 7, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Hiring Irina to help us with our move to Spain for our retirement was without a doubt the best money we spent during our whole relocation. Thanks to her impressive professionalism, efficiency and vast experience (and connections) she made the whole process as stress free as it could possibly be. All her communications and instructions in perfect English through WhatsApp were clear, detailed, thorough, timely and comprehensive. Our whole move, relocation and residency status was completed in less than 4 months, due in part to her finding us a great little apartment through one of her trusted connections even before we arrived, thanks to a perfectly put together video walkthrough Irina sent us while we were traveling through Egypt! By the time we landed in Malaga, we had a place to move right in and all our administrative appointments scheduled and ready to go! Truly outstanding service and worth every penny! Could not recommend Irina’s services enough! A++
Posted on Google Google
Nicky Hernandez profile picture
Nicky Hernandez
July 1, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Irina has been our guide from the moment we began to seriously plan our move to Spain. Today, we attended our TIE appointment after our Digital Nomad Visa application was approved! I cannot say enough about how thorough and professional Irina is. I am grateful we had her by our side throughout this whole process. She answered every question we had thoroughly, including offering referrals for services we might require before and after receiving our visa. She went the extra mile to make sure we understood each step we were taking, so we never felt out of the loop. Even the best application can be denied if the paperwork and evidence aren’t properly prepared, and that’s why I recommend to everyone that they hire Irina at Malaga Expat if they’re looking to immigrate to Spain. We couldn’t be happier with her representation!
Posted on Google Google
Jeffrey Click profile picture
Jeffrey Click
June 24, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Irina Saltmarsh, of Malaga Expat, provided us with relocation and immigration visa assistance on our move from the United States to Torremolinos, Spain. She was invaluable in getting us through the necessary processes of getting our NLV visa. She gave us step by step instructions of the necessary documents, photos, health insurance, financial records needed to secure the Visas. Led us through what to expect at our visa appointment. She also help us immensely after we arrived with appointments for the necessary TIE and Padron along with personal assistance at the appointments! She is always cheery and knowledgeable! I would definitely recommended her for expats relocating the Malaga area!