Trusted protection and advice for Americans living in Spain

Adesalzi, established in 2003, is an exclusive commercial office and authorized agent of SegurCaixa Adeslas, Spain’s leading private health insurance provider.

Adeslas offers comprehensive medical coverage through one of the largest networks of doctors, specialists, and hospitals across Spain. As part of SegurCaixa, and ultimately the CaixaBank Group, Adeslas combines medical excellence with financial security and reliable service.

At Adesalzi, we are fully dedicated to serving the American and international expat community with integrity, clarity, and professionalism. Our mission is to provide clear, trustworthy guidance and tailor-made insurance solutions that meet all Spanish residency and visa requirements.

Our specialized Expatriates Department works closely with clients to ensure they receive the right coverage for their situation—from initial visa applications to long-term residency.

We are proud to help Americans and expats from around the world feel secure, informed, and protected while living in Spain.

About Rebeca Camara

International Sales Manager

Founder of Adesalzi’s International Division, Rebeca Camara is an experienced international health insurance advisor with a background in Business Administration.

She entered the insurance industry almost by chance, beginning her career 20 years ago at a Spanish firm that placed liability and cargo risks with Lloyd’s of London. This role, which involved mediating between Lloyd’s underwriters and Spanish agents, gave her a strong foundation and deep insight into the insurance market.

Over the years, Rebeca worked with leading brokers, managing risk placements for major insurance companies in Spain. She joined Adesalzi S.L. six years ago, bringing her expertise and client-focused approach to the team.

Identifying a gap in the market for English-speaking insurance professionals in Spain, Rebeca launched Adesalzi’s International Department. Her goal: to support expatriates relocating to Spain with insurance solutions tailored to their specific needs, delivered by someone who understands the challenges of moving abroad.

Having lived and worked in four different countries across Europe, Asia, and Australia, Rebeca brings a unique, global perspective to her work—making her particularly attuned to the needs of expat clients.

Rebeca Camara will be your dedicated point of contact from start to finish — no waiting in line at a branch, no back-and-forth with random staff.
You will have:
· Direct access to her email and phone
· Timely replies — even outside typical business hours
· Guidance tailored to U.S. clients, including time zone flexibility

Book your free appointment with Rebeca

Schedule a meeting with Rebeca by filling out the questionnaire to explore your private health insurance options in Spain. to explore your private health insurance options in Spain. Rebeca works alongside with our Fuster & Associates lawyer, Maria Jose. Rebeca is a specialist in helping expatriates meet the insurance requirements for visa and residency applications. During your session, Rebeca will help you choose the plan that best fits your needs and explain how it aligns with Spanish immigration requirements.

During your session, you will be able to:

Receive personalized advice on the most suitable health insurance plan for your situation.
Understand the coverage required for Spanish visas and residency.
Get answers to your questions about health coverage in Spain.
Learn about plans that comply with non-lucrative, student, work, and other visa types.

What is it?

This is a comprehensive medical insurance plan specially designed to facilitate obtaining a visa or residence permit in Spain. It fully complies with 100% of the requirements demanded by Spanish Immigration: no co-payments, no waiting periods, and total medical coverage from day one.

Coverage Details:

Comprehensive unlimited coverage throughout Spain: Includes general medicine, specialists, diagnostic tests, hospitalization, and surgeries.
Medical and dental emergencies abroad: Worldwide coverage for trips outside of Spain (with a limit of €12,000 Approx. $14,000 USD per insured person).
No waiting periods: Immediate access to all medical services from day one.
No co-payments: The insurance covers 100% of medical expenses (only the annual premium is paid).
Repatriation: Repatriation to the country of origin in case of death or serious illness.
Premium medical network access: Freedom to choose among Adeslas’s best private doctors and hospitals.
Immediate documentation: The necessary certiﬁcate is provided at the time of contracting.
Maximum enrollment age: Up to 70 years.

Important: Individuals over 70 years old must choose the DKV Plan Visa or Seleccion UMFL options.

Recommended Proﬁle:

Ideal for those seeking total coverage and peace of mind: families, professionals, retirees, or anyone who values quality service and is willing to pay a very competitive annual premium.

Annual Premiums (by Age Brackets):

Highlights of the policy:

Eligibility: Ages 0 to 70

Annual prices:

⦁ Ages 0 to 44: €599,52 (tax included)/Approx. $679.29 USD

⦁ Ages 45 to 54: €721,92 (tax included)/Approx. $818.48 USD

⦁ Ages 55 to 59: €1,089.13 (tax included)/Approx. $1,234.47 USD

⦁ Ages 60 to 64: €1,346,16 (tax included)/Approx. $1,526.30 USD

⦁ Ages 64 to 70: €2,080,56 (tax included)/Approx. $2,353.48 USD

Example: Special Conditions – Foreign Nationals Group Policy

Note: This is a translated example for informational purposes only. The original document will be issued and signed in Spanish, as required by Spanish immigration authorities for visa and residency application.

ADESLAS COMPLETA ARISTEO SPECIAL CONDITIONS

Example: Health Insurance Certificate for Spanish Immigration

Note: This is a translated example of the official certificate issued by Adeslas (or affiliated companies such as DKV) and delivered to the Spanish immigration authorities as part of the visa or residency application process. This certificate confirms full health coverage for the policyholder. The original document will be issued and signed in Spanish, as required by Spanish immigration offices.

ADESLAS COMPLETA ARISTEO HEALTH INSURANCE CERTIFICATE FOR SPANISH IMMIGRATION

Let Rebeca help you stay protected with clarity, speed, and peace of mind while living in Spain.

Fully Approved for Spanish Visas and Residency

DKV Seguros in affiliation with Rebeca Camara is one of the few private health insurance providers in Spain offering specialized coverage for Americans aged +70, fully compliant with Spanish immigration requirements.

These policies include no co-pays and no waiting periods, as specifically required by Spanish immigration authorities for visa and residency applications.

Whether you are applying for a non-lucrative visa, residency permit, golden visa, or digital nomad visa, DKV offers trusted policies specifically designed for older American expats relocating to Spain

Enrollment range: 71 to 75 years

Annual Premium: From €2,375.40*(tax included)/Approx. $2,589.19 USD

Coverage Details:

Comprehensive and unlimited coverage throughout Spain: Includes primary care, specialists, diagnostic tests, hospitalization, and surgeries.
Worldwide emergency medical and dental assistance for trips outside of Spain: With a limit of €30,000 Approx. $32,700 USD
No waiting periods: All coverage is available from day one.
No co-payments: The insurance covers 100% of medical costs (only the annual premium is paid).
Access to a premium medical network: Freedom to choose among the best private doctors and hospitals.
Immediate documentation for visa: Certiﬁcate is provided instantly, complying 100% with immigration requirements.
Maximum enrollment age: Up to 75 years. Individuals older than this must opt for the “Seleccion” option.

Recommended Proﬁle:

Ideal for individuals seeking total coverage and peace of mind, such as families, professionals, or retirees who value quality and can afford a higher premium in accordance with their age and place of residence.

*The premium may vary depending on the locality where you will reside. Please request a quote.

DKV Visa Health Insurance – Immigration-Approved Coverage & Personalized Quote

If you’re applying for a visa or residency in Spain, the DKV Visa Plan is the health insurance you need. It’s fully approved by Spanish immigration authorities and designed to meet all legal requirements—nationwide.

This comprehensive policy includes:

No copayments
No waiting periods
No coverage limits

You can now download everything you need to get started:

📄 DKV Visa Plan – Download Flyer
Get a clear overview of the plan benefits and immigration compliance.

Enrolment range: +75 years

Annual Premium: From €1,607,53* (tax included)/Approx. $1,786.00 USD USD

Coverage Details:

Medical coverage within the contracted network: General medicine, pediatrics, specialists, diagnostic tests, essential hospitalization, and surgeries.
Includes: 24-hour emergencies, hospitalization for surgery or life-threatening emergencies (ICU limited to 3 days).
No waiting periods or co-payments in the collective version for immigration.
100% compliance with ofﬁcial visa/residency requirements.
Basic but sufﬁcient coverage: Does not include very complex treatments such as oncology or transplants.
Immediate certiﬁcate: Also issued upon contracting, stating compliance with immigration requirements.
No age limit for enrollment: The only option in the Spanish market that accepts insured individuals over 75 years old with comprehensive coverage.
Renewable without age restrictions.

Recommended Proﬁle:

The best option (and often the only one) for individuals over 75 years old who need insurance for residency purposes.

Key Differences Between DKV PLAN VISA and DKV SELECCION UMLF:

Characteristic	DKV Plan Visa (71 to 75 years)	DKV Seleccion UMLF (+75 years)
Coverage	Comprehensive, unlimited	Basic, with some restrictions
Maximum Enrollment Age	Up to 75 years	No age limit
Complies with Immigration	Yes	Yes
Extras and Premium Services	Yes (prevention, second opinion)	No
Immediate Documentation	Yes	Yes
Price	Higher	More Economical

In Summary:

DKV Plan Visa is the most comprehensive option in DKV, ideal for up to 75-year-old. DKV Seleccion UMLF is more economical and designed to meet legal requirements, especially useful for individuals over 75 years old but not as complete as DKV Plan Visa.

DKV Health Insurance Info – For Individuals Aged 75 and Older

If you’re applying for a visa or residency in Spain, the DKV Visa UMLF is the health insurance you need. It’s fully approved by Spanish immigration authorities and designed to meet all legal requirements—nationwide.

This comprehensive policy includes:

No copayments
No waiting periods
No coverage limits

You can now download everything you need to get started:

📄 DKV UMFL Information – Ages 75 Download Flyer
Get a clear overview of the plan benefits and immigration compliance.

Example: Health Insurance Certificate for Spanish Immigration

Note: This is a translated example of the official certificate issued by DKV (or affiliated companies such as Adeslas) and delivered to the Spanish immigration authorities as part of the visa or residency application process. This certificate confirms full health coverage for the policyholder. The original document will be issued and signed in Spanish, as required by Spanish immigration offices.

DKV HEALTH INSURANCE CERTIFICATE FOR SPAIN VISA AND RESIDENCE PURPOSES

ENROLLMENT REQUIREMENTS:

For initial contact and information, please contact the insurance agent, Rebeca Camara.
Provide a copy of your Passport / NIE / Residence Card.
Submit the Application and Health Declaration, duly completed in all sections.
The policy will have CO-PAYMENTS ELIMINATED.
The policy will have WAITING PERIODS ELIMINATED.
The effective date will always be the 1st of the chosen month.
Annual payment upfront is required for all plans.
If any pathology/medication is declared in the health declaration, the application will be sent to the central ofﬁce for assessment by the medical department. In these cases, the annual payment should NEVER be made until a response is received from the central medical department. The annual payment should only be made if the applicant is deemed insurable and the client accepts any possible exclusions.
It is very important to process the application with sufﬁcient anticipation, as policies may take a few days to be processed.

Let Rebeca help you stay protected with clarity, speed, and peace of mind while living Spain.