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Prices from the official Sanitas rate card, April 2026, based on your postal code. Our office team will confirm the final price and apply any current promotions.
1. Coverage type
Choose your health plan:
Most popular
High-end · with reimbursement
Budget & senior
Full health insurance: consultations, specialists, diagnostic tests, emergencies, and hospitalization within the Sanitas clinic network.
2. Postal code
3. People to insure
1 / 64. Options
Your quote
Sanitas Health Insurance
Insured 1
35-39 years old · No copays (Fixed rate)
Total estimated per month
1 insured person(s) · rate for Madrid · VAT not applicable to health insurance
Other options for this same profile
Same ages, same postal code. Tap one to see its full quote.
Official Sanitas rate card, April 2026 (first year, excluding the 0.15% Consorcio surcharge). The final premium depends on the health questionnaire and any active promotions.
Our official starting premiums. Compare the main coverage options and calculate your exact rate by age and postal code.
Official April 2026 rates · verified July 2026
Comprehensive health coverage with hospitalization and specialists, no waiting lists.
from €32.40/month (children) · adults from ~€46/month
Approved health insurance, 100% valid for immigration authorities and consulates.
from €67.76/month (annual premium required for visa applications)
Comprehensive health coverage with a special youth rate for international students.
from €42.65/month · special youth rate, ages 14 to 35
Dental cover with in-house clinics and 40+ treatments included free.
€12.20/month with copay · €14.25 without (children under 6, free)
80% of vet bills reimbursed for dogs and cats, with any vet you choose.
dogs from €45.58/month by breed · cats €49.95/month (−€100/year for Sanitas clients)
Straight answers to the most common questions about the cost and pricing of Sanitas policies.
The exact price is calculated from three main factors: the age of each insured person (risk varies by age bracket), the postal code of residence (each province has an official pricing zone based on local healthcare costs), and the number of people included on the same policy, who benefit from official family discounts.
The copay option (pay per use) lowers the fixed monthly premium by roughly 22% compared with the no-copay option. It's ideal if you rarely visit the doctor during the year. If you want a fully predictable monthly cost, or you have young children, the no-copay option is usually the better choice.
Yes. Sanitas applies family discounts based on the number of people insured: a 5% discount on the premium for 2 or 3 people insured, and an 8% discount for 4 or more. Additionally, choosing annual instead of monthly payment gets you a further 4% discount on the total.
Yes. The prices shown in our calculator come directly from the official Sanitas rate card (rates in effect for 2026). They are the insurer's direct prices, with no markup or commission added by our exclusive agency.
Private health insurance in Spain is exempt from VAT and from the Insurance Premium Tax (IPS). The only legal surcharge that applies is 0.15% for Spain's Insurance Compensation Consortium, a minimal amount of a few cents added to the base premium (the rates shown on this site correspond to Sanitas's official net premium before this surcharge).
Testimonials from clients of our Madrid office, the highest-rated Sanitas office. We offer personalized advice and coverage across all of Spain. Tap any review to see the full profile and all verified reviews on Google Maps.
We're located on Calle Santiago Apóstol, right by the Cercanías C-7 commuter rail station. Walk in anytime or call us and we'll help you right away.
Calle Santiago Apóstol, 5 (Oficina Sanitas)
28220 Majadahonda, Madrid
ANYO HEALTH SL · DGSFP Registry No. C0320B67816207
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