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Related guide: Copay or No-Copay? Choosing Your Sanitas Health Plan in Spain
Sanitas Más Salud price by plan (2026)
These six figures come from the Sanitas Más Salud rate card of April 2026 for Madrid, using a 35-year-old adult as the reference for each plan, except Único +60, which is calculated for a 67-year-old because that is the age bracket it targets. The price gap between plans depends almost entirely on the copay: the less the insured person pays when using a service, the higher the monthly premium, and vice versa.
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Table updated in July 2026 with the Sanitas Más Salud rate card of April 2026 for Madrid, 35-year-old adult unless stated otherwise. Prices vary by age, postcode and number of insured people on the policy; use the calculator on this page for your exact figure. This page is for information only and is not legal or tax advice: for questions about visas, arraigo, residency or immigration procedures, check the official source or a qualified professional for your specific case.
Common questions
Direct answers, the same we give at the office.
Why is €74.81/month the high-copay plan and not the no-copay one?
€74.81/month is the price of Más Salud Óptima, the high-copay plan, not the no-copay one: the larger the copay the insured person absorbs for each consultation, test or admission, the lower the monthly premium, and Óptima is precisely the variant where that copay is highest within the Más Salud range. The price hierarchy makes it clear: no copays costs €116.82/month because you pay nothing at the point of use; Plus, with a low copay, costs €86.88/month; and Óptima, with a high copay, costs €74.81/month. Before deciding on price alone, work out how many times a year you typically see a doctor: if you go often, a high copay can end up costing more than the premium difference versus Plus.
What makes a health insurance premium go up or down?
A private health insurance premium rises for three main reasons: the insured person's age, the copay plan chosen, and the postcode of residence, which sets the insurer's pricing zone according to the healthcare cost of that specific area. The age effect is the most visible: an adult paying €116.82/month on Más Salud with no copays at 35 would pay €259.53/month on that same plan at 67, a jump that reflects the statistically higher use of consultations and hospitalisation from that age onwards. The copay plan moves the premium in the opposite direction: the more copay the insured person absorbs, the lower the monthly payment. And within the same age and plan, the postcode introduces differences because each zone has its own medical network and its own associated cost of care.
Why does Único +60 cost less than standard Más Salud at the same age?
Único +60 costs €55.02/month for a 67-year-old because it is a plan designed specifically for people over 60, with no upper age limit for signing up, compared with the €197.87/month that standard Más Salud would cost at that same age even on its high-copay Óptima plan, the cheapest version with hospitalisation. The difference is neither an error nor a one-off promotion: they are different products within the Sanitas catalogue, built for different profiles. Standard Más Salud keeps the generic coverage of the full range, hospitalisation included, and its price scales steeply with age because it is not segmented into senior brackets. Único +60, by contrast, is priced specifically for the age bracket it targets and has narrower coverage: consultations, specialists, emergencies, simple tests plus ultrasound, CT and MRI, but no hospitalisation or surgery, which its general conditions exclude. That makes a more contained premium possible from 60 onwards without excluding anyone on age grounds. At the office we recommend reviewing both options before renewing a policy after 60.
How much less does each person pay when the whole family is insured together?
On Más Salud, the premium per person goes down when you insure several people on the same policy: lower with 2 or 3 insured and lower still with 4 or more. The calculator applies it automatically. An example with the no-copay plan in Madrid, paying monthly: a 35-year-old insured alone pays €116.82 a month, while a couple aged 35 and 33 pays €215.05 for both (€108.17 and €106.88). With 4 people it goes down again: a family of two parents aged 40 and 38 and two children aged 10 and 7 pays €340.77 a month in total (€100.94 and €97.35 for the parents and €71.24 for each child). At the office we calculate this along with the rest of the conditions before preparing the proposal, so the final price you receive already includes it.
Is it worth paying the premium annually instead of monthly?
On most plans, yes: paying the premium in a single annual charge rather than in monthly instalments works out slightly cheaper. For example, Más Salud with no copays for a 35-year-old insured alone in Madrid costs €116.82 a month, which adds up to €1,401.84 over twelve months, while paying annually costs €1,345.77, that is €56.07 less. And it adds to the lower price per person you already get when several people from the same household are on the policy. The exceptions are Único +60 and the Visado versions of Residents and Residents Platinum, where paying annually does not lower the price. Worth bearing in mind: for some visa or residency procedures the first year requires full annual payment anyway, as a consulate or immigration requirement, but the policy for those cases, Residents Visado, does not get cheaper for paying annually.
What are waiting periods and how long are they on Sanitas Más Salud?
Waiting periods are the initial stretches of the policy during which a given benefit is not yet covered, and on Sanitas Más Salud they vary by type of care: there is no waiting period for consultations or emergencies, which are covered from day one; complex tests have a 6-month waiting period; childbirth has 8 months; and hospitalisation and major surgery have 10 months. These waiting periods can be waived if you are coming from another insurer and had already served the equivalent period on your previous policy, something common in portability campaigns that we review case by case at the office before signing up. It matters especially if you are pregnant or expect to need a scheduled procedure in the short term, because the exact policy start date can determine whether coverage arrives in time or not.
Who is the Avanza plan for, with no hospitalisation, at €39.35/month?
Avanza costs €39.35/month and is one of the cheapest Sanitas plans, since it does not include hospitalisation coverage (the cheapest is Accede, at €29.88/month for ages 20 to 39 in Madrid), so it works as a top-up for access to consultations and tests, not as a replacement for full health insurance. At the office we mainly recommend it to people who already have hospitalisation covered some other way (for example the public health system as a regularised resident) and only want to speed up access to specialists and diagnostic tests without the public system's waiting lists. It is not the right option for visa or residency procedures that expressly require full hospital coverage with no copays and no waiting periods, such as the non-lucrative visa or the student visa: for those cases the right policy is Sanitas Residents Visado (or Residents Platinum Visado) and, for the student visa, Sanitas International Students, for ages 14 to 35 (once you turn 36 you can no longer sign up).
How much does insurance cost for a child on a family policy?
A child on a family policy costs less than an adult on the same plan, because the Sanitas child rate is priced according to the typical statistical usage of that age bracket. An example in Madrid on the Óptima plan, paying monthly: in a family of two parents aged 40 and 38 and two children aged 10 and 7, each child costs €38.90 a month and the whole family €204.75. That price already includes the lower rate per person that applies when 4 or more people are on the same policy, and paying annually instead of monthly brings the total down a little more. At the office we often see families torn between insuring their children on the same plan as the parents or on a cheaper one: our general recommendation is to keep the same plan for the whole family, unless there is a specific medical reason to do otherwise.