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Related guide: Sanitas vs international health insurance in Spain
Sanitas Más Salud vs. Caser Salud Integral, Point by Point
These are each insurer’s public figures on medical network, own hospitals, dental, enrollment age, reimbursement, copays and waiting periods, using the official documents published on caser.es. We publish no prices from either company, because they depend on province, age and plan. The points where Caser matches or beats Sanitas are here too, such as its hospitalization waiting periods, which are shorter.
The ranges: what is being compared
Sanitas’s health range is organized in three tiers. The base plan is Más Salud, a medical-network policy with no copays; anyone who prefers a lower premium in exchange for paying something per visit has the Plus and Óptima versions, with their published copay schedule. For reimbursement, to choose a doctor outside the network, there are Premium 500.000 and Más 90.000, plus Top Quantum, which includes reimbursement in the family specialties. And at the entry level, Avanza, Accede and Único +60. When a client walks into the office, the first step is to place them in one of those tiers according to how they are going to use their insurance.
At Caser, Salud Médica and Inicia are outpatient only; Integral, Activa, Adapta and Parque are full plans that differ in their per-service charges; and Salud Prestigio is the reimbursement plan. Only Integral and Médica publish their copay amounts. The fair comparison is Más Salud against Caser Salud Integral without copay.
The medical network
Sanitas publishes more than 59,000 professionals and more than 4,100 own and partner centers, plus five own hospitals and 226 own dental clinics. It is by far the largest medical network of any we compare on this blog, and the only one in which part of the network belongs to the insurer itself.
Caser publishes more than 45,000 professionals and 13,000 medical centers in its partner network. By number of centers it is the highest figure of the five compared, although the entire network is made up of partner providers.
Reimbursement: choosing a doctor outside the network
If what you want is to choose a doctor outside the network, Sanitas covers it with two free-choice products: Premium 500.000 reimburses 90% of the bill up to €500,000 a year and Más 90.000 reimburses 70% up to €90,000. Both give access to a partner network in the United States, can be taken out up to age 64 and set no maximum age for staying insured. Top Quantum, in addition, includes reimbursement as standard in the family specialties. The base plan Más Salud, by contrast, works with Sanitas’s own and partner medical network, with no reimbursement.
Caser Salud Integral does not cover reimbursement: its terms and conditions state that care from non-partner providers is not covered. Free choice is in Salud Prestigio, with 90% of hospital care and 80% of outpatient care in Spain, and a cap of €210,000 a year.
Copays
Más Salud has no copays: you pay nothing per visit, whether for a consultation, a test or a video consultation. Anyone who prefers a lower premium has the copay range, whose full schedule is published. The most detailed case is Avanza: the first six services of the year are free, the seventh to the fifteenth cost €5 and from the sixteenth onward €10; tests and therapeutic procedures are €12, emergency visits €8, and podiatry and dental €3, with a cap of €350 per insured person per year, so the maximum outlay is known in advance.
Caser Salud Integral offers three levels: no copay, the first ten services of the year with no copay, or a copay from the first service with a cap of €395 a year. In Integral with copay the amounts are €5.50 for primary care, €19 for a specialist, €41 for high-tech diagnostics and €35 for emergencies. The first-ten-services-free formula is original and works well for anyone who uses their insurance little.
Dental
Sanitas health insurance includes basic dental cover as standard, with check-ups and cleanings at its 226 own dental clinics, and for anyone who wants more, Dental Milenium or Dental Premium can be added as a supplement with no health questionnaire and no age limit for taking them out. It is the only insurer among those compared whose basic dental cover is provided in its own clinics.
Caser offers a dental supplement with a list of treatments at no cost and the rest at a listed fee paid by the insured: €55.70 for a filling, €170.70 for a root canal and €635.80 for an implant. Dental prostheses and implants are excluded from the health policy.
Waiting periods
With Sanitas there is no waiting period for consultations or emergencies; there are 3 months for outpatient surgery in groups 0 to II, 6 for complex tests and psychology, 8 for childbirth and 10 for hospitalization and surgery in groups III to VIII. What matters for anyone switching from another company is that all of them, except childbirth, can be waived at enrollment by providing proof of the previous policy; it is an underwriting decision Sanitas makes when processing the application, and at the office we always request it and confirm it in writing before you cancel the other policy.
Caser applies 8 months for surgery, hospital admissions, childbirth and postpartum care, and for oncology, cardiovascular treatment, lithotripsy and dialysis; and 24 months for assisted reproduction, with no waiting period for life-threatening emergencies and with provision for premature birth. And here Caser has a genuine point in its favor: it also waives waiting periods for anyone coming from another company with a year’s seniority, except for assisted reproduction, so on this point the two companies offer the same to anyone switching.
Enrollment age
Sanitas enrolls from age 0 to 75 and, according to its product documentation, sets no maximum age for staying insured. The Único +60 plan, designed for older clients, has no upper age limit for enrollment from age 60, something rare in the market.
Caser enrolls up to age 69 in Salud Integral and Salud Médica, and publishes no maximum age for staying insured. That is six years less than Sanitas, and for anyone insuring their parents it is the deciding detail.
Remote care and second opinion
With Sanitas, 24-hour video consultation is included in the policy through Blua, its digital services in the Mi Sanitas app, together with a second medical opinion. On Más Salud it carries no copay, because the product has no copays.
Caser includes 24-hour medical and pediatric assistance by phone and online, with no copay at its telemedicine center, a 24-hour psycho-emotional support line and a second medical opinion. Alongside Sanitas, it is the most complete remote-care offering of the five compared.
Where and with whom you sign up
With Sanitas you can sign up at a physical office with an exclusive agent, like ours in Majadahonda: the same person before and after enrollment, service in eight languages, no surcharge for the advice and a reply in under 24 hours. The price is the official Sanitas price, the same as through any other channel.
Caser is sold through agencies, brokers and direct sales, with no exclusive office of the insurer.
Comparison prepared in September 2026 from the official documents for Caser Salud Integral and Caser Salud Prestigio published on caser.es, including their product information documents, pre-contractual information notes and general terms and conditions, together with the 2026 fee schedule for its dental supplement, and from Sanitas product documentation. Exact coverage depends on the plan taken out: always check the current terms before deciding. Sanitas is a registered trademark of Sanitas, S.A. de Seguros; Caser is a registered trademark of Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A.; all other trademarks belong to their respective owners.
Common questions
Direct answers, the same we give at the office.
How much does health insurance with Sanitas cost compared with Caser?
We do not publish prices for either company, and that is deliberate: Caser's premium depends on the province, the age and the plan, and ours comes from the Madrid rate table, one of the provinces with the highest premiums, so putting one figure next to the other would not be fair to either. What we do instead is the useful part: bring us your Caser quote at our Majadahonda office and we will set it next to the Sanitas one for the same age, the same postcode and the cover you will actually use: own hospitals, dental included, medical network and co-payments. Those are two figures you can genuinely compare. And if you have already chosen Sanitas, bring an official quote from another Sanitas office or from the company itself and we will improve on it.
What is the difference between the Sanitas medical network and Caser's?
Sanitas has more than 59,000 professionals and more than 4,100 own and partner centres in Spain, plus its 5 own hospitals in operation: the university hospitals La Zarzuela (Aravaca), La Moraleja, Virgen del Mar and the fully digital Valdebebas in Madrid, and CIMA in Barcelona. Caser publishes on its own website more than 45,000 professionals and 13,000 medical centres, and its policy conditions confirm that it has own centres and the Hospitales Parque, although it does not present that figure as official and dated; in practice it works with a partner network with free choice of specialist, without own or university hospitals like those of Sanitas. If you value being able to go to a hospital with its own research and teaching inside the network, Sanitas has a structural advantage Caser does not replicate; if you prioritise the freedom to choose any specialist with reimbursement, Caser's Prestigio model may prove more flexible. At the office we go through with you which specific centres of each network are close to your home before you decide.
Which is better if I want to choose my own doctor?
Caser, but only in one of its plans. Caser Salud Integral does not cover it at all: its conditions state that care in non-partner facilities is not covered. The reimbursement plan is a different one, Salud Prestigio, which refunds 90% of hospital care and 80% of outpatient care in Spain, with a cap of €210,000 a year, whereas with Sanitas free choice requires the specific Más 90.000 with Reimbursement product, with a 70% refund up to €90,000 a year. Where Sanitas wins is on the opposite model: inside its network you book, attend and pay nothing, with no claim forms and no upfront payment — which for many expats is the point, because doing reimbursement paperwork in a language you are still learning is its own kind of cost. The honest question is not which insurer is better but which of the two models suits how you use healthcare.
I am 70. Can I take out either of them?
With Sanitas, yes: entry is possible up to 75, and through Único +60 there is no upper entry age at all from 60 onwards, with no health questionnaire in that product. With Caser, standard plans cap entry at 69, so at 70 you would need their specific Salud +60 product, which has no upper limit. Two things worth knowing at that age either way: the age limits apply to taking the policy out, not to staying insured, so the policy renews for life once issued; and if you need the insurance for a non-lucrative visa, the certificate must show no copays and no waiting periods, which is not automatic in every senior product. Send us your exact age and we will tell you which products you actually qualify for.
Is dental included in Caser?
No, and it is one of the clearest differences on the table. With Caser, dental is a separate plan — Salud Adapta + Dental, or the standalone Sonrisa Perfecta policy — with its own premium. With Sanitas, basic dental comes included in Más Salud, backed by 226 Sanitas-owned dental clinics, and you can upgrade to Dental Milenium or Dental Premium, with more than 40 treatments at no extra cost. When you compare monthly totals, price the dental into the Caser column or the comparison is not measuring the same product.
When might Caser Salud suit you better than Sanitas?
Caser fits if you specifically want its Salud Prestigio product, which works by reimbursement, refunding 90% of hospital care and 80% of outpatient care in Spain with a cap of €210,000 per insured person and year, or if you travel a lot, because it covers care abroad up to €15,000 a year. It also wins on the waiting period for hospitalisation: 8 months against 10 with Sanitas. Sanitas fits better in every other case: a medical network of more than 59,000 professionals against more than 45,000, 5 own hospitals, 226 own dental clinics against an add-on with a price per treatment, entry up to 75 against 69 in Salud Integral, and a physical office where someone with a name and surname looks after you.
Why go through the Sanitas Majadahonda office instead of buying direct?
Because it costs you exactly the same and you end up with a named person following your policy. We are an exclusive Sanitas agent registered with the DGSFP, the Spanish insurance regulator, under key C0320B67816207, with a physical office at Calle Santiago Apostol 5 in Majadahonda, Madrid, 5.0 stars and more than 400 reviews on Google. The advice carries no surcharge: the premium is the one on the official Sanitas rate card, identical through every channel, and on top of the same price you get help with the paperwork, a review at every renewal and someone to go to if an authorisation or an invoice goes wrong. We only sell Sanitas, so we are not going to pretend Sanitas wins at everything — this very comparison shows you where it does not. The easiest way to reach us is WhatsApp: writing is simpler than calling when Spanish is not your language. We attend in eight languages (Spanish, English, German, French, Italian, Portuguese, Russian and Chinese), and we reply in under 24 hours, guaranteed.
I travel home often. Does Caser cover me better abroad?
On paper yes, and it is the row where Caser is clearly strongest for an expat: it reimburses up to €15,000 a year for medical care abroad, which Sanitas Más Salud does not highlight as a comparable benefit. If you fly home several times a year and want cover while you are there, that is a genuine argument in Caser's favour. Two caveats before you decide on it alone: reimbursement means you pay the clinic first and claim afterwards, with the paperwork that implies in another country, and if your trips abroad are long or frequent you may be better served by a properly international policy — Sanitas Global Care runs on the Bupa Global network. Tell us how many months a year you spend outside Spain and we will tell you which of the three actually fits.