Adeslas, Aegon, ASISA, AXA, DKV, FIATC, MAPFRE, Nara and Sanitas concentrate promotions with discounts, free months and benefits for families
Piensin has analyzed the main health insurance offers available at the end of 2026, a period that is especially relevant for those who are considering taking out a medical policy or switching insurers before the annual renewal.
The analysis includes the promotions of nine insurance companies present in Piensin’s comparison tool and shows that the campaigns use very different formulas: discounts on the premium, free months, benefits for including multiple insured persons, or reductions linked to contracting other insurance.
The promotions analyzed reach, in some cases, discounts of up to the 35% during the first year, although Piensin reminds that the promotional percentage alone does not make it possible to determine which policy will be cheaper. The final price also depends on factors such as age, postal code, coverages, copayments and the number of insured people.
These are the main health insurance offers analyzed
Adeslas – Salud 2026 Campaign. It offers, depending on the product and the number of insured persons, up to three months of premium or up to 25% discount on certain multi-year policies. The campaign includes products such as Adeslas Plena, Plena Vital, Plena Plus, Plena Total and Plena Extra 150.
Aegon – Aegon Salud Campaign. It applies a 26% discount on Aegon Salud Completo, Completo Copago and Salud Reembolso. In addition, it includes family discounts of 8% for two insured persons and 20% for three or more. Aegon Básico is excluded from this promotion.
ASISA – Multibranch Campaign. With a single health insurance, it offers a 15% discount in the first year and 10% in the second. If two or three products are contracted, the reduction reaches the 20% in the first year.
AXA – AXA Salud Promotion. The company announces up to 20% discount on its health insurance and adds the online doctor service at no cost during the period established by the insurer.
DKV – DKV Integral Campaign. It offers multi-year discounts on products such as Integral Complet, Integral Plus and Integral Classic, which can reach the 35% during the first year in certain provinces, with reductions that continue in subsequent years. Integral Élite has its own promotional scheme.
FIATC – Two months free. The FIATC campaign offers two free months on the health insurance included in the promotion, subject to the terms and products established in its terms and conditions.
MAPFRE – Multi-year discount. MAPFRE offers a 12% discount on the premium during the first year, an 8% the second and a 4% the third. The promotion is available until January 31, 2027 for the products Supra, fully comprehensive without copayments; Tú Eliges, basic; Plus, with copayment; and Reembolso.
Nara – End-of-year campaign. Nara applies a 30% discount on the premium in Nara Smart, Nara Elite and Nara Senior. This discount replaces, in these three products, the free monthly payment promotion. For the rest of the products, the current promotion remains unchanged.
Sanitas – My Farmagen. Sanitas maintains the My Farmagen promotion for new contracts of certain ranges. In addition, it adds a 10% permanent discount on certain new policies of four or more insured persons and an additional 4% for annual payment.
The price also changes depending on the modality and the place of residence
Piensin has completed the analysis with pricing for insured persons of 5, 30 and 40 years old in Madrid, Barcelona and Valencia.
For a person aged 30 years residing in Madrid, for example, the simulations start from 20.84 euros per month in insurance plans oriented toward access to specialists. For comprehensive health insurance, prices start from 30.75 euros per month with limited copayments and from 60.63 euros per month without copayments.
Reimbursement modalities have higher prices and, in the simulations analyzed, they fall between 89.71 and 168.34 euros per month for the same profile.
These prices correspond to products with different coverages and do not constitute a general ranking of insurers. The premium may vary depending on age, postal code, the contracted product, copayments, the number of insured persons, and the conditions of each promotion.
Piensin therefore recommends comparing the final price, the coverages, the copayments and the real duration of each discount, and not choosing only based on the announced promotional percentage.
The complete study, with the offers, products, and prices of each insurer, can be consulted at Health Insurance Offers for 2026.
It is also possible to carry out a personalized simulation through Piensin.
About Piensin
Piensin is the specialized brand of Globalfinanz in life insurance and family protection. It combines comparison tools with specialized advice to help families make informed decisions about their financial protection.