Dental, Optical and Mental Health Cover in Spain

Short answer

Comprehensive Spanish health policies cover basic dental care (check-ups, extractions, a yearly clean), eye consultations and eye surgery, and up to 20 psychology sessions a year at Adeslas, DKV and Sanitas (40 for eating disorders). Adult fillings, crowns, implants and orthodontics are generally paid by you, often at discounted network prices, and glasses and contact lenses are not covered unless you add an optical extra, such as Sanitas's, which refunds 50%.

Key facts

Adeslas Plena, DKV Integral and Sanitas Más Salud all allow 20 psychology sessions a year.
Sanitas Más Salud Familias offers psychology without prescription or waiting period.
DKV Integral covers fillings only up to age 14.
Sanitas's optical add-on refunds 50% of lenses, has a 3-month wait and excludes frames.
Laser eye surgery for short sight is excluded on Adeslas Plena.

Dental cover: the basics are included, treatment is not

Almost every comprehensive Spanish health policy includes some dental care, but it is preventive and basic. Treatment is usually charged to you at the dental network's set prices, which are lower than walk-in private rates.

Policy	Included at no extra cost	Treatment beyond that
Adeslas Plena	Basic treatment (curas), extractions, one clean a year	Not covered by the health policy
DKV Integral	Unlimited check-ups, extractions and cleans, dental X-rays; fillings and sealants up to age 14; 50+ free treatments	Through DKV's dental network with patient fees
Sanitas Más Salud Familias	45+ included services	Up to 21% discount
Sanitas Premium 500.000	65+ free services	Up to 40% discount, or 80% refunded up to €400

Sources: Adeslas Plena 2025 conditions, DKV Integral guide, Sanitas Más Salud Familias, Sanitas Premium 500.000.

Two other routes:

Health-and-dental tiers. Adeslas Plena Total Vital includes a full dental module (fillings, root canals, children's dentistry, orthodontics, fixed and removable prostheses, oral surgery, implants and jaw-joint treatment), but you pay part of each treatment at the clinic according to a published fee schedule, with 10% off orthodontics and implants (IPID).
Standalone dental insurance. Sold separately by the major insurers. Sanitas advertises dental cover from €4.50 a month, including for non-Sanitas customers.

Dental work needing a hospital admission or general anaesthesia is excluded from Adeslas Plena Total Vital's dental module, so check how complex oral surgery is handled before booking.

Optical cover: eyes yes, glasses no

Spanish policies treat eye health as medicine and eyewear as retail.

Usually covered: ophthalmology consultations, eye tests and scans, and eye surgery. Adeslas Plena, for example, covers retinal imaging, optical coherence tomography (OCT), corneal cross-linking, injections for age-related macular degeneration (though you pay for the drug itself), and monofocal or bifocal lenses after cataract surgery.

Usually not covered:

Glasses and contact lenses. Neither Adeslas Plena's conditions nor DKV Integral include them; DKV sells them at discounted prices through its DKV Club (DKV conditions).
Laser surgery for short sight, long sight, astigmatism and presbyopia. Excluded on Adeslas Plena; on DKV it is a discounted Club service.
Premium lens implants after cataract surgery (toric, EDOF, trifocal) on Adeslas Plena.

Optical add-ons. If you wear glasses, these are worth pricing:

Sanitas optical cover: refunds 50% of prescription lenses and contact lenses, with savings "up to €600"; frames excluded; 3-month waiting period; the prescription must come from a Sanitas ophthalmologist; children under 5 pay no premium (Sanitas).
AXA: up to €300 off glasses and contact lenses or a 50% refund, according to Rastreator (January 2026).

Rastreator notes optical discounts usually apply only at opticians the insurer designates.

Mental health cover: covered, but capped

Psychiatry is a normal specialty on comprehensive policies. Psychology is covered but limited by sessions, and access rules differ more than any other benefit.

	Adeslas Plena	DKV Integral	Sanitas Más Salud Familias
Sessions a year	20	20	20
Extended limit	40 for eating disorders	40 for eating disorders, bullying, cyberbullying, work stress, gender or family violence, and everyone under 24	40 extra for eating disorders
Access	Prescription from a network psychiatrist or oncologist, plus prior authorisation	Prescription from a psychiatrist, oncologist or paediatrician (under 14), plus prior authorisation	No prescription or authorisation needed
Waiting period	None listed	6 months	None
Psychiatric admission	50 days a year	60 days a year, acute episodes	—

Sources: Adeslas Plena 2025 conditions, DKV Integral guide and conditions, Sanitas Más Salud Familias.

Other points from the policy wording:

Therapy types. Adeslas excludes psychoanalysis, hypnosis, psychometric testing, group psychotherapy and psychosocial rehabilitation.
After the cap. DKV lets you continue at a reduced franchise price if you ask in advance.
Different products, different rules. Sanitas's reimbursement product, Premium 500.000, applies a 6-month wait to psychology even though Más Salud Familias does not.
Other insurers. Rastreator's October 2025 comparison lists FIATC at 25 sessions a year with a 6-month wait, and AXA at 12 sessions plus an 80% refund on one telephone-only product.
Related exclusions. Adeslas excludes treatment of alcohol and drug addiction and injuries from self-harm, although emergency care is still provided while the emergency lasts. See what private insurance doesn't cover.

If you already receive therapy or psychiatric treatment, declare it on the health questionnaire. It may be excluded as a pre-existing condition, but non-disclosure risks the whole policy; see pre-existing conditions.

How to compare these benefits

Count what you actually use. Annual cleans and a few check-ups are covered almost everywhere. Ongoing therapy or a family in glasses changes the maths.
Check the network near you. Search the directory for dentists and psychologists in your town. A benefit you cannot reach locally, or in a language you are comfortable with, is worth little.
Ask for the dental fee schedule. It shows what you will pay for fillings, crowns and implants.
Note the waits. Psychology and optical add-ons can have their own waiting periods.

Our comparison checklist covers the documents to collect. For the rest of the policy, see what private health insurance covers.

Common questions

Does private health insurance in Spain cover dental implants?

Not on standard comprehensive policies. They are usually available at the dental network's patient prices, and some top tiers such as Adeslas Plena Total Vital include implantology with a patient payment per treatment.

Do I need a referral to see a psychologist on private insurance in Spain?

It depends on the insurer. Adeslas requires a prescription from a network psychiatrist or oncologist plus prior authorisation; Sanitas Más Salud Familias needs neither for its 20 sessions.

Are glasses covered by Spanish health insurance?

Not on standard policies such as Adeslas Plena or DKV Integral. Sanitas sells an optical add-on refunding 50% of prescription lenses, and Rastreator reports AXA offers up to €300 off or a 50% refund.

Is a separate dental policy worth it?

If you only need check-ups and cleans, a health policy's basic dental is usually enough. Standalone dental cover is inexpensive, with Sanitas advertising dental insurance from €4.50 a month, and mainly buys lower prices on treatment.

Sources

Written by Jon Grocott

Jon lives in Spain and runs this site independently. He isn't an insurer, broker or lawyer: every rule and figure is checked against the official or named source linked on the page. Spotted something out of date? Report a correction.