Compare Sanitas policies side by side
Pick up to three policies and see them together with the details from their product sheets: cover, copays, waiting periods and ages. For the exact premium at your age use the price calculator and when you are ready sign up with us or talk it over on WhatsApp.
Exclusive Sanitas agent · DGSFP C0320B67816207ANYO HEALTH SL · Exclusive agent of Sanitas, S.A. de Seguros (Bupa Group) · Sanitas International Expert office · DGSFP Registry No. C0320B67816207View certificate
Pick up to three policies
Comprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Comprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Comprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Swipe to see the third policy
Comprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Comprehensive health
Sanitas Más Salud
Sanitas' complete coverage, with or without copays
Full product sheetComprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Reimbursement and premium
Sanitas Más 90.000
Our most competitive reimbursement insurance
Full product sheetComprehensive health
Essential and low-cost
Reimbursement and premium
Visas and immigration
Students
Self-employed and professionals
Over-60s
Inclusive cover
Dental
Pets
Reimbursement and premium
Sanitas Premium 500.000
90% reimbursement up to 500.000 € a year
Full product sheetThe essentials
Who it is for
For those who want complete private medicine: specialists with no waiting, hospitalization and procedures at Sanitas' own hospitals, choosing between three copay options.
For those who want Sanitas' complete medical network and, on top of that, the freedom to see any doctor or clinic outside the network, in Spain or abroad, getting back 70% of the expense.
For those who want maximum freedom: any doctor or hospital in the world, with 90% of the expense reimbursed and premium coverage for pharmacy, dental and hospitalization.
Highlights
- Hospitalization and procedures
- Advanced technology included
- With or without copays
- 70% reimbursement up to 90.000 €/year
- Coverage in the US
- With or without copays
- 90% reimbursement up to 500.000 €/year
- Pharmacy and dental included
- Coverage in the US
Cover
Healthcare
- General medicine, emergency care and access to all specialties
- Simple and advanced-technology diagnostic tests (CT scans, MRIs...)
- Hospitalization and surgical procedures, with ICU with no limit on days
- Simple and advanced-technology therapeutic methods (radiotherapy, chemotherapy...)
- Emergency care abroad for stays of up to 90 days, up to €12,000 a year
- Dental coverage with more than 40 services included
- International second medical opinion
- General medicine, emergency care and access to all medical specialties
- Simple and advanced-technology diagnostic tests (CT scans, MRIs...)
- Simple and advanced-technology therapeutic methods (radiotherapy, chemotherapy...)
- Hospitalization and surgical procedures
- Emergency care abroad for stays of up to 90 days
- International second medical opinion
- General medicine, emergency care and access to all medical specialties
- Simple and advanced-technology diagnostic tests (CT scans, MRIs...)
- Simple and advanced-technology therapeutic methods (radiotherapy, chemotherapy...)
- Hospitalization and surgical procedures
- Emergency care abroad for stays of up to 90 days
- International second medical opinion
Digital coverage
- Video consultation for general medicine and specialties
- Video consultation for emergency care (general and paediatric)
- Same-day digital consultation with doctors from 10 specialties
- Check your health and Assess your symptoms
- Digital physio and Look after your mind
- Vital signs measurement and health programs
- Video consultation for general medicine and specialties
- Video consultation for emergency care (general and paediatric)
- Same-day digital consultation with doctors from 10 specialties
- Check your health and Assess your symptoms
- Digital physio and Look after your mind
- Vital signs measurement and health programs
- Video consultation for general medicine and specialties
- Video consultation for emergency care (general and paediatric)
- Same-day digital consultation with doctors from 10 specialties
- Check your health and Assess your symptoms
- Digital physio and Look after your mind
- Vital signs measurement and health programs
Other cover
The three options
- Más Salud: no copays, you pay the same whatever you use
- Más Salud Plus: a low copay per service, with a reduced monthly premium
- Más Salud Óptima: a higher copay and the most affordable monthly premium in the range
Reimbursement and extras
- 70% reimbursement of medical expenses with a limit of 90.000 €/year
- Dental coverage with 60% reimbursement and a limit of 200 €/year (network arranged by Sanitas)
- Daily hospitalization allowance of 69 €/day (for expenses outside the medical network; max. 90 days/year)
- Access to a network of leading affiliated centers in the US
- Payment of the premium for 12 months in the event of the policyholder's death
Premium reimbursement and extras
- 90% reimbursement of medical expenses with a limit of 500.000 €/year
- 50% reimbursement of medication expenses with a limit of 300 €
- Dental coverage with 80% reimbursement and a limit of 400 €/year (network arranged by Sanitas)
- Daily hospitalization allowance of 100 €/day (for expenses outside the medical network; max. 90 days/year)
- Access to a network of leading affiliated centers in the US
- Payment of the premium for 12 months in the event of the policyholder's death
Reimbursement of expenses
Not listed in its product sheet
- 70% reimbursement of medical expenses with a limit of 90.000 €/year
- Dental coverage with 60% reimbursement and a limit of 200 €/year (network arranged by Sanitas)
- 90% reimbursement of medical expenses with a limit of 500.000 €/year
- 50% reimbursement of medication expenses with a limit of 300 €
- Dental coverage with 80% reimbursement and a limit of 400 €/year (network arranged by Sanitas)
Copays
Option
No copays: fixed monthly premium
Also available: low copay (Plus) · high copay (Óptima)
No copays: fixed monthly premium
Also available: with copays
No copays: fixed monthly premium
Waiting periods
From 3 to 10 months depending on the treatment
Waived (except childbirth) after 1 year with another insurer
See the full detail
- Surgical procedures in groups 0 to II (OMC): 3 months
- Complex diagnostic tests: 6 months
- Childbirth or caesarean section: 8 months
- Complex therapeutic methods, tubal ligation/vasectomy, hospitalization and procedures in groups III to VIII (OMC): 10 months
- If you have had a full-cover health policy with another insurer in Spain for at least 1 year, Sanitas waives the waiting periods except for childbirth and bariatric surgery, on presenting your policy schedule and last receipt (not if you come from Muface, Mugeju or ISFAS)
From 3 to 10 months depending on the treatment
Dental reimbursement: 8 months
See the full detail
- Surgical procedures in groups 0 to II (OMC): 3 months
- Complex diagnostic tests and psychology: 6 months
- Childbirth or caesarean section: 8 months
- Complex therapeutic methods, tubal ligation/vasectomy, hospitalization and procedures in groups III to VIII (OMC): 10 months
- Dental reimbursement: 8 months
From 3 to 10 months depending on the treatment
Dental reimbursement: 8 months
See the full detail
- Surgical procedures in groups 0 to II (OMC): 3 months
- Complex diagnostic tests and psychology: 6 months
- Childbirth or caesarean section: 8 months
- Complex therapeutic methods, tubal ligation/vasectomy, hospitalization and procedures in groups III to VIII (OMC): 10 months
- Dental reimbursement: 8 months
Age limits
From 0 to 75 years old. No maximum age to remain on the policy.
From 0 to 64 years old. No maximum age to remain on the policy.
From 0 to 64 years old. No maximum age to remain on the policy.
Good to know
- Access to Sanitas' own hospitals: La Moraleja, La Zarzuela, Virgen del Mar and Blua Valdebebas in Madrid, and CIMA in Barcelona.
- Sanitas discounts: lifelong 10% on policies with 4 or more insured (already included in the calculator price) and 4% for annual payment.
- Sanitas discounts by number of insured: 10% with 3 or 4 and 15% with 5 or more (already included in the price); 4% for annual payment and 2% for half-yearly payment; 5% for over-65s with more than 25 years at Sanitas.
- Sanitas discounts: 5% with 5 or more insured; 4% for annual payment and 2% for half-yearly payment; 5% for over-65s with more than 25 years at Sanitas.
Every detail is taken as it is from the product sheet. The full terms are in the sheet of each policy and in the general policy conditions. The premium depends on age and province: calculate it or ask for it with the buttons of each policy.
Torn between a few? Call us on +34 919 93 17 90 or message us on WhatsApp and we will put together a comparison for your own case, with no obligation.