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Every Sanitas policy, sorted by what you need

We handle the whole Sanitas range from our office in Majadahonda and with us you never pay more than the Sanitas rates. Every product links to its own page with the cover, the co-payments and the waiting periods taken from Sanitas's official documentation, so you can compare without being rushed, in English.

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Blue cards and brochures laid out on a table as options to choose from, next to a tablet and a coffee

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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.

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Compare 3 policies side by side

Pick the three you are weighing up and see where they actually differ. For the exact premium at your age, use the price calculator.

Policy 1
Policy 2
Policy 3

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Sanitas Más Salud

Comprehensive health

Sanitas Más Salud

from €32.40/monthper insured person (4 or more)

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.

Ages

From 0 to 75 years old. No maximum age to remain on the policy.

Copays

No copays: fixed monthly premium

Also available: low copay (Plus) · high copay (Óptima)

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)
Highlights
  • Hospitalization and procedures
  • Advanced technology included
  • With or without copays
Sanitas Más 90.000

Reimbursement and premium

Sanitas Más 90.000

from €58.82/monthper insured person (5 or more)

Who it is for

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.

Ages

From 0 to 64 years old. No maximum age to remain on the policy.

Copays

No copays: fixed monthly premium

Also available: with copays

Waiting periods

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
Highlights
  • 70% reimbursement up to 90.000 €/year
  • Coverage in the US
  • With or without copays
Sanitas Premium 500.000

Reimbursement and premium

Sanitas Premium 500.000

from €94.00/month

Who it is for

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.

Ages

From 0 to 64 years old. No maximum age to remain on the policy.

Copays

No copays: fixed monthly premium

Waiting periods

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
Highlights
  • 90% reimbursement up to 500.000 €/year
  • Pharmacy and dental included
  • Coverage in the US

Every summary is taken verbatim from the official product sheet; the full terms are in the detail sections and in the general policy conditions. Premiums based on the Sanitas rates.