In this article
Related guide: Copay or No-Copay? Choosing Your Sanitas Health Plan in Spain
What you need to know
The key details explained without fine print, just as we explain them in the office.
Leading network of doctors
General medicine, pediatrics and more than 30 specialties with direct access, no referrals needed for most consultations and no waiting lists.
Own hospitals in Madrid
Sanitas La Moraleja and La Zarzuela University Hospitals, plus the Milenium centers. Hospitalization and ICU with no limit on days.
24h video doctor (Blua)
See a doctor by video call at any time, digital health programs and e-prescriptions from the app, at no extra cost.
Advanced diagnostic technology
CT scans, MRI, PET-CT, nuclear medicine and genetic testing covered when prescribed, at top-tier centers.
With or without copays
The copay option lowers your premium by around 22%: ideal if you rarely visit the doctor. Our office team helps you choose the one that pays off.
Dental included or upgradable
Basic dental coverage in most plans, with the option to add full Dental Milenium coverage from €12.20/month per insured person (children under 6 pay no premium).
Más Salud, Reembolso, Avanza and Único +60: which one is for you?
The Sanitas health insurance plans we sell most often at the office, compared using their real official prices (Madrid). All of them can be calculated above using the calculator.
Swipe the table to see all columns
The same in every option: General medicine, pediatrics and specialists · Diagnostic tests (lab work, radiology, CT, MRI) · 24h video doctor (Blua).
Official Sanitas prices for the province of Madrid, first-year premium, not including the 0.15% Insurance Compensation Consortium surcharge. Coverage summarized here: our office team gives you the full policy wording for each product.
Common questions
Direct answers, the same we give at the office.
I have a pre-existing condition: does that limit which plan I can choose?
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 and emergency care for everything else within whichever plan family you choose, plus hospitalization in the plans that include it (Más Salud and Más Salud with Reimbursement). We help you fill out the questionnaire correctly and, if there's any doubt, we check your case with Sanitas before you sign anything.
Whichever plan I choose, which hospitals would I go to?
The medical network is Sanitas's own, so the reference hospitals are the same whichever plan family you choose (just remember Avanza and Único +60 don't include hospitalization). Sanitas has five own hospitals in operation, and the two closest to our office are Hospital Universitario Sanitas La Zarzuela, in Aravaca, 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 the area, Las Rozas, Pozuelo and Boadilla. And if you travel, the Sanitas network totals more than 59,000 professionals and more than 4,100 own and partner centers across Spain. At the office we help you choose a family doctor and pediatrician near home.
I'm with another insurer: is this a good time to switch to one of these plans?
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 10-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.
Up to what age can I take out each plan family?
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 70% 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.
Which of the four includes hospitalization?
Only two of the four: Más Salud and Más Salud with Reimbursement include surgical hospitalization and ICU stays with no limit on days, with anesthesia and operating room covered as part of the policy. Avanza and Único +60 don't include hospitalization. Avanza is designed specifically as an everyday plan — consultations, specialists and basic diagnostic tests — without hospital coverage, and 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. Único +60 follows the same logic from age 60: it covers family medicine, specialists, emergencies, simple diagnostic tests plus ultrasound, CT and MRI, and home services, but its general conditions exclude any type of hospitalization and any surgery.
Can I choose a doctor outside the Sanitas network?
Only with Más Salud with Reimbursement: this option reimburses 70% 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.
How much does each plan cost by age, in Madrid?
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, without hospitalization or surgery. 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.
How long do I have to wait before I can be hospitalized?
The waiting period for complex tests is 6 months and for hospitalisation and major surgery 10 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 and Más Salud with Reimbursement). This means that, even though you'd need to wait ten months for a scheduled admission, 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.
What about pregnancy and childbirth?
The reference waiting period for childbirth is 8 months from the contracting date, two months less than the 10 months for hospitalization, and 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 and Más Salud with Reimbursement), not to Avanza or Único +60, which don't include hospitalization.
Can I choose a copay option within any of these plan families?
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.