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Related guide: Sanitas Dental Milenium vs. Premium: Which Plan Is Right for You?
Sanitas add-ons at a glance
What each add-on covers, its 2026 individual price per insured person per month and which Sanitas health insurance policies it can be added to.
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2026 individual price per insured person per month without the Consorcio de Compensación de Seguros surcharge (0.15%), which is paid with the first premium. Pharmacy, Pharmacy and home services and Clínica Universidad de Navarra: price for new sign-ups until 31 December 2026. Clínica Universidad de Navarra high zone: Madrid, Toledo, Segovia, Ávila, Guadalajara, Soria, Biscay, Gipuzkoa, Álava, Huesca and Zaragoza. Más Salud includes Plus and Óptima. Más 90.000 comes with and without co-payments and Residents includes Residents Visado. With Residents Platinum we confirm the add-ons when we prepare your policy. We also confirm the price of Pharmacy and home services with 2 or more insured people and the price of Accidents in Navarre, Cantabria and La Rioja.
Which add-on suits you depending on your situation
At the office the question nearly always comes at the end, once the insurance has been chosen: “should I add anything?”. The answer depends on who you are and what worries you. These are the add-ons that fit each situation, what they really cover and their 2026 price.
Families with children: the add-ons where the little ones pay nothing
A couple with two children aged 4 and 9 taking out Más Salud Familias often asks us what is worth adding for the children. Our first answer is Optical: it refunds 50% of prescription lenses and contact lenses up to €600 per person per year, with one prescription a year from an ophthalmologist in the Sanitas network. Taken out for the whole policy it costs €5.90 per insured person per month and children under 6 pay no premium while still being covered. Frames are not included and there is a 3-month waiting period. Our second answer is Traffic and work accidents at €2.70 per insured person per month: it covers medical care after a traffic or work accident and adds up to 90 hours of help at home while you recover. Here under-18s pay no premium.
In figures: that family pays €17.70 a month for Optical (three premiums of €5.90 because the youngest pays nothing) and €5.40 a month for Traffic and work accidents (only the two adults pay). If you also want a dentist, Dental Milenium costs €12.20 per insured person per month and children under 6 pay no premium if they are on the policy with one of their parents. Pharmacy covers the whole policy at €4.30 per insured person per month. And with Más Salud, Accede or Avanza you can add Family Assistance at €2.20 per insured person per month: if you are admitted to hospital for more than 48 hours you get a helper to look after children under 16 and someone to take them to school.
From 60: pharmacy and home services that stay with you
From 60 onwards what you notice most in your pocket is usually the monthly pharmacy bill and what you appreciate most is not having to leave home. Pharmacy and home services brings the two together for €8.20 a month if only one insured person takes it out. It refunds 50% of your medicines up to a limit of €300 and every year it includes 6 home deliveries of medicines, 2 blood tests and 6 physiotherapy sessions in your own home. It can be added at any time with no waiting periods. If two insured people want it we confirm the price. It can also be added to Sanitas Único, just like the Pharmacy add-on. Único is the Sanitas insurance you take out from age 60.
Age matters when you choose. Almost all add-ons can be taken out up to age 75 and several stay with you afterwards with no age limit: Pharmacy, Optical, Pharmacy and home services, Traffic and work accidents and US Cover. That is why it pays to add them before you turn 75. From 76 to 99 we confirm the price of Pharmacy and home services. The Clínica Universidad de Navarra can also be taken out up to 75: from 65 to 75 it costs €64.48 per insured person per month in Madrid and the rest of the high zone and €38.40 in the other provinces. Hospital cash benefit stays with you until age 75 and Accidents can be taken out up to 65.
Self-employed: an income if you are admitted and a lump sum for accidents
If you work for yourself, a stay in hospital means days without invoicing. Hospital cash benefit pays you €60 for each day in hospital and double while you are in intensive care. If you are admitted outside your province you receive 50% more and after an operation you receive half for 5 days of recovery. It also pays up to 6 days for childbirth or a caesarean. It costs €2.00 per insured person per month and can be added at any time up to age 75 with a medical assessment and an 8-month waiting period. A week in hospital comes to €420: more than you pay for this add-on in 17 years.
Accidents is the other add-on self-employed people ask for. It pays a lump sum of €30,000 or €60,000 to you or your family if an accident causes death or permanent disability. It covers you from day one and the premium depends on your occupational group. With €30,000 it is €4 per insured person per month in groups 1 and 2 (work without manual effort such as lawyers, doctors or sales representatives), €7.50 in group 3 (manual work without machinery) and €12 in group 4 (constant physical effort with machinery). With €60,000 the premium doubles: €8, €15 and €24. It can be taken out from 18 to 65 with a medical assessment, and motorbikes, skiing or diving as a hobby are only covered with an extra premium. If your insurance is Sanitas Profesionales you can add both, as well as Pharmacy, Optical, reimbursement or the Clínica Universidad de Navarra. If it is Más Salud you can add Traffic and work accidents at €2.70 per insured person per month: it covers medical care for a work accident or occupational disease.
If your family lives outside Spain or you travel often
At the office we help people in eight languages and many of our clients live in Spain with their family back home. For them the key add-on is Repatriation: in the event of death in Spain it covers the transfer to the home country right to their home town (including the stretch from the international airport) and travel for a companion who is a close relative. It costs €3.20 per insured person per month, covers the whole policy and applies from day one with no health questionnaire. It is also a cover that is asked for with residence permit and visa applications. It can be added with the new policy or at renewal on Más Salud, Más Salud Familias, Sanitas Profesionales, Top Quantum, Más 90.000 and Premium 500.000. Sanitas Residents already includes it.
If you want US medicine within reach, US Cover costs €1.60 per insured person per month. It opens the door to hospitals such as MD Anderson Cancer Center in Houston or Johns Hopkins Hospital in Baltimore and pays 100% of medical expenses up to €30,000 per insured person per year. Sanitas arranges the appointment and it includes a second medical opinion from US specialists. It covers the whole policy, needs a medical assessment and can be added to Más Salud, Más Salud Familias and Sanitas Profesionales with the new policy or at renewal. And if you travel a lot, bear in mind that Accidents and Hospital cash benefit also cover you outside Spain as long as your habitual residence is in Spain.
The Clínica Universidad de Navarra with your Sanitas card
Some people choose their insurance with a complex diagnosis in mind and want the Clínica Universidad de Navarra close at hand. This add-on adds it to your medical network in Madrid and Pamplona with more than 30 specialties such as oncology, cardiology and neurology. You go with the same Sanitas card and pay a €10 co-payment for emergencies, consultations and diagnostic tests even if your insurance has no co-payments. It does not include general medicine, psychiatry, psychology, physiotherapy or Da Vinci robotic surgery.
The price depends on age and province. In the high zone (Madrid, Toledo, Segovia, Ávila, Guadalajara, Soria, Biscay, Gipuzkoa, Álava, Huesca and Zaragoza) it costs €49.16 per insured person per month up to age 49, €56.84 from 50 to 64 and €64.48 from 65 to 75. In the other provinces it is €38.40 per insured person per month whatever your age. Each insured person chooses it and it can be added at any time up to age 75 with a health questionnaire. It is not available in Navarre, Cantabria or La Rioja. It can be added to Más Salud, Más Salud Familias, Sanitas Profesionales, Residents, Residents Platinum, Más 90.000 and Premium 500.000. These prices apply to people joining the add-on until 31 December 2026.
Seeing the doctor you want: Supplementary Reimbursement Cover
Imagine you have a trusted gynaecologist outside the network or you want a particular surgeon to operate on you. Supplementary Reimbursement Cover turns your insurance into a free-choice policy: you go to the doctor or hospital you want in Spain or abroad and Sanitas refunds 80% of the bills up to the capital you choose, from €50,000 to €300,000 per insured person per year. You keep the Sanitas medical network just as before. Each capital has limits per item such as the room, fees or tests and we show them to you before you sign. You claim the refund in the Mi Sanitas app within 90 days of the invoice.
In Madrid (postcodes starting with 28) the monthly price per insured person is €31.59 with €50,000, €34.49 with €100,000, €37.19 with €150,000, €41.29 with €200,000 and €48.19 with €300,000. In the other provinces it is €28.90 with €50,000, €31.70 with €100,000, €34.50 with €150,000, €38.60 with €200,000 and €45.40 with €300,000. It can be taken out from 0 to 64 with the new policy or at renewal with a health questionnaire and it carries the waiting periods of your insurance. It can be added to Más Salud, Más Salud Familias, Sanitas Profesionales and Residents (with €150,000 or €300,000). Más 90.000 and Premium 500.000 are already reimbursement policies and do not need it.
When to add them and how we prepare your price
Many add-ons can be added at any time: Optical, the Clínica Universidad de Navarra, Accidents, Traffic and work accidents, Hospital cash benefit and Pharmacy and home services. Pharmacy and Family Assistance are taken out with no waiting period with the new policy or at renewal and at any other time as Farmacia Ahora (4-month waiting period) and Asistencia Familiar Ahora (2 months). Supplementary Reimbursement Cover, US Cover and Repatriation can only be added with the new policy or at renewal. That is why it pays to think about them when you take out your insurance.
Add-ons are taken out with the office together with your health insurance. In the calculator on our website you choose your insurance, switch on the add-ons you want and see how much each one adds for your age and your postcode. The first payment also includes the Consorcio de Compensación de Seguros surcharge (0.15%). Then we go through with you what your insurance accepts and prepare the price with your policy before you sign. Message us on WhatsApp at +34 655 02 69 85 (every day) or call us on +34 919 93 17 90 during office hours: Monday to Thursday from 9:00 to 14:00 and from 16:00 to 18:00 and Fridays from 9:00 to 15:00. 430 reviews with a 5.0 rating on Google say so.
Sanitas information from November 2026. 2026 individual premiums per insured person per month without the Consorcio de Compensación de Seguros surcharge (0.15%). Pharmacy, Pharmacy and home services and Clínica Universidad de Navarra: premiums for new sign-ups until 31 December 2026. For the add-ons that require a medical assessment, the assessment is decided by Sanitas. The general and specific conditions of each add-on always prevail. Oficina Sanitas Majadahonda is an exclusive agency of Sanitas, S.A. de Seguros: ANYO HEALTH SL, DGSFP code C0320B67816207. Sanitas is a registered trademark of Sanitas, S.A. de Seguros.
Common questions
Direct answers, the same we give at the office.
How much does it cost to add dental cover to Sanitas?
As an add-on to Más Salud, Más Salud Familias or Sanitas Profesionales, Dental Milenium costs €12.20 per insured person per month with a co-payment of €3 per visit day and Dental Premium €22.90 with no co-payments (2026 individual price without the Consorcio surcharge). With Residents you can add Dental Premium. With Accede, Avanza and Único it is Sanitas Dental or Dental One and we prepare the price with your policy. Children under 6 pay no dental premium if they are on the policy with one of their parents.
Does the Sanitas Pharmacy add-on cover all medicines?
The Pharmacy add-on refunds 50% of prescription medicines (generic or not) up to a limit of €200 per insured person per year. The prescription can come from any doctor: in the Sanitas network, outside it or from the public health system. It must be in the insured person's name and the medicine must be authorised and be for an illness your policy covers. You claim it in the Mi Sanitas app within 90 days of the invoice with the itemised invoice, the prescription and the medical report. It covers the whole policy and costs €4.30 per insured person per month (2026 individual price without the Consorcio surcharge).
Can I add an add-on after taking out my insurance?
Yes, many of them. Optical, the Clínica Universidad de Navarra, Accidents, Traffic and work accidents, Hospital cash benefit and Pharmacy and home services can be added at any time. So can Pharmacy and Family Assistance, as Farmacia Ahora (4-month waiting period) and Asistencia Familiar Ahora (2 months). Supplementary Reimbursement Cover, US Cover and Repatriation are added with the new policy or at renewal.
Do children pay for the add-ons?
It depends on the add-on. With Optical for the whole policy children under 6 pay no premium and are covered. With Traffic and work accidents under-18s pay nothing. With dental, children under 6 who are on the policy with one of their parents pay nothing. With the rest each insured person pays their own premium.
How much does the Clínica Universidad de Navarra cost with Sanitas?
In Madrid and the rest of the high zone it costs €49.16 per insured person per month up to age 49, €56.84 from 50 to 64 and €64.48 from 65 to 75. In the other provinces it is €38.40 a month. These are individual prices without the Consorcio surcharge for people joining the add-on until 31 December 2026. When you use it you pay a €10 co-payment for emergencies, consultations and tests. It is not available in Navarre, Cantabria or La Rioja.
Can I see any doctor I want with Sanitas?
Yes, with Supplementary Reimbursement Cover: you go to the doctor or hospital you want in Spain or abroad and 80% of the bills are refunded up to the capital you chose, from €50,000 to €300,000 per insured person per year. It costs €28.90 to €48.19 per insured person per month depending on the capital and the province (2026 individual price without the Consorcio surcharge). It can be added from 0 to 64 with the new policy or at renewal to Más Salud, Más Salud Familias, Sanitas Profesionales and Residents (with €150,000 or €300,000). Más 90.000 and Premium 500.000 are already reimbursement policies.
Do Sanitas add-ons require a health questionnaire?
Pharmacy, Pharmacy and home services, Optical, Family Assistance, Traffic and work accidents and Repatriation are taken out without a health questionnaire. Supplementary Reimbursement Cover, US Cover, the Clínica Universidad de Navarra, Accidents and Hospital cash benefit require a health questionnaire or a medical assessment.
Up to what age can you take out the add-ons?
Almost all of them up to age 75. Supplementary Reimbursement Cover up to 64 and Accidents from 18 to 65 (it stays until 70). Pharmacy, Optical, Pharmacy and home services, Traffic and work accidents and US Cover stay with no age limit once taken out. Hospital cash benefit stays until 75.