Sanitas Health Insurance Plans Compared: Más Salud, Avanza or Único +60

What actually determines your contract isn't so much which plan family you pick as the health questionnaire you fill out when you sign up: depending on what you declare, a pre-existing condition may be accepted normally, accepted with a specific exclusion for that condition, or, in the more serious cases, lead to the policy being declined. The golden rule we repeat at the office is to declare absolutely everything, because an undeclared pre-existing condition can void your cover exactly when you need it most — just as purely cosmetic or experimental treatments are excluded from any policy. The reassuring part: most common conditions don't prevent you from taking out cover, and a specific exclusion doesn't affect the rest of your coverage — you'd still have a family doctor, specialists, emergency care and hospitalization for everything else within whichever plan family you choose. We help you fill out the questionnaire correctly and, if there's any doubt, we check your case with Sanitas before you sign anything.

The medical network is Sanitas's own, so the reference hospitals are the same whichever plan family you choose (just remember Avanza doesn't include hospitalization). Sanitas's two own university hospitals in Madrid are 20-30 minutes from Majadahonda: Hospital Universitario Sanitas La Zarzuela, in Aravaca, the closest one, and Hospital Universitario Sanitas La Moraleja, in the northern area. In both, plans with hospital coverage give you access to hospitalization with no limit on days, ICU, operating room and a private room with a bed for a companion. For everyday care — consultations and tests — you don't need to travel: there are Milenium medical centers and an extensive affiliated network right in Majadahonda, Las Rozas, Pozuelo and Boadilla. And if you travel, the Sanitas network totals more than 50,000 professionals and 4,500 centers across Spain. At the office we help you choose a family doctor and pediatrician near home.

Switching from another insurer is, in fact, the most common case we handle at the office, and it's usually the best moment to reconsider which plan family really fits you: many people carry the same policy for years after choosing it at a different age with different needs. The key advantage of switching is that Sanitas usually honors waiting periods you've already served with your previous insurer through waiting-period waiver campaigns, so you don't have to serve the 6-month wait for hospitalization or the 8-month wait for childbirth again. We handle the paperwork ourselves: we file the cancellation with your current insurer within the deadline and activate the new policy with dates aligned so there isn't a single day without cover. Before moving anything, we compare your current policy against the Sanitas options — no copays, low copay or high copay — using real prices from the rate card, to confirm the switch is actually worth it for you.

Más Salud can be taken out from age 0 to 75, covering practically all of adult life as well as young children. Más Salud with Reimbursement has a somewhat lower limit, 0 to 64, because reimbursing 80% of bills from outside the network makes the premium much more expensive past a certain age. Avanza, designed as an affordable everyday plan without hospitalization, can be taken out from age 0 to 59. And Único +60 is designed for exactly the opposite of the other three: it can only be taken out from age 60 onward, but with no upper age limit, making it the only option available to those who've already passed the maximum contracting age of the other plans. If your age is close to any of these limits, it's worth checking the calculator to see which plans are available to you before deciding.

Más Salud, Más Salud with Reimbursement and Único +60 all include surgical hospitalization and ICU stays with no limit on days, with anesthesia and operating room covered as part of the policy. Avanza is the exception among the four: designed specifically as an everyday plan — consultations, specialists and basic diagnostic tests — without hospital coverage, it's also the most affordable option, with premiums from €39.35/month for a 35-year-old adult in Madrid. This makes it appealing for anyone who already has separate hospital coverage and just wants faster access to private specialists and tests without paying for hospitalization they don't expect to need, but it isn't the right choice if you also want to be covered for surgery or an admission.

Only with Más Salud with Reimbursement: this option reimburses 80% of the bill if you decide to see a private doctor, clinic or specialist outside the Sanitas network, both in Spain and abroad, up to your policy's annual limit (€90,000 as a reference, extendable to €150,000 with the corresponding surcharge). Más Salud, Avanza and Único +60 only work with Sanitas's own medical network, with no reimbursement option for going outside it. Freedom to choose your doctor is the main reason Más Salud with Reimbursement has a higher premium than the rest (from €111.73/month for a 35-year-old adult in Madrid, versus €74.81/month for standard Más Salud): that difference is, in essence, what you're paying extra for. It makes the most sense if you already have a trusted specialist outside the Sanitas network you don't want to give up.

For a 35-year-old adult in Madrid, the reference prices are: Más Salud from €74.81/month, Más Salud with Reimbursement from €111.73/month and Avanza from €39.35/month. For a 67-year-old, the figures change quite a bit: Más Salud rises to from €197.87/month, while Único +60 — designed precisely for this age group — costs from €55.02/month, much less than Más Salud at the same age because it tailors coverage to a senior profile. At 67, Avanza and Más Salud with Reimbursement are no longer available for new sign-ups, having exceeded their maximum contracting ages (59 and 64 respectively). These prices come from the official April 2026 rate card for the province of Madrid, first-year premium, and vary according to your exact postal code: the calculator on this page gives you your real price in under a minute, without asking for any personal data.

The reference waiting period for hospitalization and complex tests is 6 months from the contracting date, a standard period in the industry to prevent someone from taking out cover already knowing they need an imminent procedure. Consultations, emergency care and basic diagnostic tests, on the other hand, have no waiting period at all: you can use them from day one in any of the plans that include hospitalization (Más Salud, Más Salud with Reimbursement and Único +60). This means that, even though you'd need to wait six months for a scheduled procedure, you can still see a doctor, get blood tests done, or go to the emergency room from the moment the policy takes effect. In certain campaigns, Sanitas can waive this waiting period if you're coming from another insurer and had already served the equivalent waiting period there: ask at the office if that's your situation before signing up.

The reference waiting period for childbirth is 8 months from the contracting date, somewhat longer than the general hospitalization one, since it covers the whole process: birth preparation, the delivery itself, and immediate postpartum care. As with the hospitalization waiting period, in specific campaigns Sanitas can waive it if you're coming from another health insurer and had already served an equivalent childbirth waiting period there: this is something we handle at the office by reviewing your previous policy, so if you're pregnant or planning to be and want to switch insurers, it's worth telling us as soon as possible so we can look at your case with enough time before your due date. Keep in mind this waiting period applies to the plans with hospital coverage (Más Salud, Reimbursement and Único +60), not to Avanza.

It depends on which family you choose. Más Salud is the most flexible: you can choose between no copays, low copay (Plus) or high copay (Óptima), with a different monthly price depending on how much you want to pay upfront versus how much per medical visit. Más Salud with Reimbursement and Avanza let you choose between no copays and with copays, a simpler choice between two options. Único +60, designed for the senior profile, is only offered with copays, without the no-copay option available in the other families. This flexibility of options within Más Salud is precisely what makes the reference premium vary so much depending on which combination you choose within that family.