Sanitas Residents Platinum Visa Plan, for the DNV
The premium visa version, open to non-EU, non-EEA and non-Swiss nationals, adding benefits beyond treatment within the Sanitas network. On the Sanitas Residents Platinum Visa Plan, waiting periods are waived under the current policy terms.
Sanitas calls this product Sanitas Residents Platinum para visado, which means “for visa purposes”. It is the version sold for visa applications. The standard Sanitas Residents Platinum plan is a different product for EU, EEA and Swiss nationals, with waiting periods.
Who Residents Platinum Visa Plan is for
It is for non-EU, non-EEA and non-Swiss applicants whose circumstances make private cover what the application needs, and who want more than care inside the Sanitas network. In practice that means people who travel widely, split their time across countries, or want the option of clinicians outside the network. Platinum includes benefits beyond treatment within the Sanitas network, and we'll confirm the current reimbursement and cover limits with you before you decide. New members can join up to age 64, and there is no published maximum age for continuing.
Choosing it is a decision about cover, not about your application. Current central guidance does not require the Platinum plan specifically. Where private insurance is what your application needs, which plan you choose depends on the applicable standard, the current policy terms, your eligibility and the cover you want, and the receiving authority makes the final decision. Nobody's file reads better because they bought the more expensive plan.
So the question to hold in your head through the rest of this page is not "which is safer?" but "will I use this?" If the answer is yes, this is a good plan and worth paying for. If the answer is no, the other one is not a compromise.
What Platinum Visa Plan gives you
Waiting periods: on the Sanitas Residents Platinum Visa Plan, waiting periods are waived under the current policy terms. That removes a run-in stretch after the policy starts before a benefit becomes usable, and it is a separate matter from what the insurer decides about your health history.
The added layer: Platinum includes benefits beyond treatment within the Sanitas network. The scope of each of those benefits is set by the current policy documents, and we'll confirm the current reimbursement and cover limits with you before you decide.
Network: the same Sanitas network as the Residents plan sits underneath this one. Platinum adds to it rather than replacing it.
Children: the same conditions apply as on the Residents plan, so children are not a reason to choose between the two.
How long the policy runs: 12 months, with renewal governed by the current policy terms.
Your medical history: private health insurance is medically underwritten, and we never suggest cancelling cover you already have before a decision is final. If anything needs to be discussed before an application goes ahead, we will explain the next step.
What “beyond the network” actually means
Health insurance in Spain generally comes in two shapes. One delivers care through the insurer's own network of professionals and centres. The other lets you go elsewhere and deals with the cost afterwards. Platinum is the plan that adds the second shape on top of the first.
That is as far as a web page should go. The value of an added layer is entirely in its detail, and detail belongs in the current policy documents rather than in a summary that goes out of date quietly.
So the useful thing here is not a description. It is knowing what to ask, and asking it before you buy:
- What is actually covered outside the network, for the kinds of care I am likely to need?
- Where does it apply? Name the countries you genuinely spend time in, rather than asking in general.
- How does the money work? What do I pay, what comes back, and when?
- Does anything have to be approved first, and by whom?
- What is not included? The exclusions are as much a part of the answer as the benefits.
Ask us those and we will confirm the answers from the current policy documents before you decide, rather than after you have paid. If somebody answers them from memory or from a comparison table, that is not an answer about your policy.
Is the premium plan worth it for you?
A premium plan is worth its price when you use the thing you paid extra for. That sounds obvious and it is routinely ignored, usually by people buying insurance in a hurry for a visa deadline.
Five questions, answered as they really are rather than as they might be:
- How much time will you actually spend outside Spain? Not the aspiration. Last year's answer is a better guide than this year's plan.
- Is there a specific clinician or hospital you want access to? A named person is a much better reason than a general preference for flexibility.
- Do you have an existing course of care that you want to continue with the people who started it?
- Do you mind paperwork? Cover that reaches outside a network usually involves more steps, not fewer.
- Would you feel the difference in price? If the answer is yes and the first four were no, you have your answer.
If you said yes to two or more of the first four, Platinum probably earns its place. If you said no to all of them, the Residents plan is not a compromise, it is the right product, and we will say so.
Who it suits, and who it doesn't
The person who genuinely lives in two places
Spain for most of the year, somewhere else for a substantial part of it. This is the situation the added layer exists for. Be specific with us about which countries and roughly how long, because that is what makes the answer useful.
The person with a consultant they want to keep
An established relationship with a particular consultant, at home or in Spain, is a concrete reason rather than a vague preference. Ask about that one thing explicitly before you buy, and get the answer from the policy documents.
And who it doesn't suit
Somebody moving to one city and staying there, using private care in the ordinary way, is buying a layer they will not open. Somebody aged 65 or over cannot join this plan at all. And somebody who has not yet established whether they need private cover for their application should answer that first, because it may make this entire page irrelevant to them.
The age condition, and what to do if you're over it
New members can join the Sanitas Residents Platinum Visa Plan up to age 64. It is the shortest section on this page and it settles the question for a good number of readers.
If you are 65 or over, this plan is not open to you as a new member, and the Sanitas Residents Visa Plan, which accepts new members up to 75, is the one to look at. That is not a lesser outcome. It is simply the product that exists for your situation.
The age of 64 applies to joining, not to staying: there is no published maximum age for continuing once you are on the plan.
How to buy the premium plan without overbuying
Three habits separate people who are pleased with this plan from people who quietly resent it.
- Name the reason before you buy. Write down the one thing you are paying extra for. If you cannot finish the sentence, that is useful information.
- Get the answer to that one thing in writing, from the current policy documents, before you pay rather than after.
- Separate the plan question from the application question. If you have not yet established whether you need private cover, no plan comparison is the right use of your evening.
When we quote this plan we will ask you which of the added benefits you expect to use. It is not a sales question. It is the fastest way to find out whether you should be buying the other one.
How Platinum compares with Residents
The Residents plan shares the waived waiting periods described above, accepts new members up to 75 rather than 64, and does not carry the added benefit layer. Neither plan publishes a maximum age for continuing. Applicants aged 65 to 75 should look at Residents Visa Plan →.
For everybody else the difference is how far the cover reaches, and nothing else. Neither is the plan that makes an application stronger.
The full side-by-side → · How to choose →
Which plan suits you depends on how you work, how you will be covered by Social Security, and how you are applying. The Spanish authorities make the final decision on your application.
Quote Platinum Visa Plan for your household
Tell us what you want the extra cover for, and we'll confirm the current reimbursement and cover limits with you before you decide. Then we price the people who need cover.
Common questions
Do I need Platinum for my DNV application?
No. Current central guidance does not require the Platinum plan specifically. Where private insurance is what your application needs, which plan you choose depends on the applicable standard, the current policy terms, your eligibility and the cover you want. The receiving authority makes the final decision.
What exactly does the added layer include?
Benefits beyond treatment within the Sanitas network. What each of those benefits covers is set by the current policy documents, and we'll confirm the current reimbursement and cover limits with you before you decide, rather than quoting you a summary of them.
How do I know whether it's worth the extra?
Only if you will use the extra cover. Paying more does not improve how your application is read, so the real test is whether you travel, whether there is a clinician you want to keep, and whether you would feel the difference in price.
Will it cover me when I'm out of Spain?
Ask us before you buy, and name the countries. It is a question the current policy documents answer, and a general reassurance from anyone is worth nothing beside the wording that will actually apply to you.
Does my whole family have to be on the same plan?
No. Quotes are built person by person, so one of you can be on this plan and another on Residents. That is common where ages or travelling patterns differ, and it is worth asking for rather than assuming.
I'm 66 — can I take Platinum?
New members can join Platinum up to age 64, so at 66 the plan to look at is Residents Visa Plan, which accepts new members up to 75.