Essential and low-cost
Sanitas Accede
From €22.10 a month In Madrid from €22.77
Example: a child aged 3 to 15 as the only insured person in most provinces, such as Granada, Málaga or Salamanca. Sanitas rates of April 2026.
Essential healthcare, with no waiting periods and no limit on consultations. Sanitas Accede is a Sanitas policy in the Essential and low-cost range, with copayments. For those who want unlimited access to GPs and specialists at the most affordable premium, taking on a small copay per use and with no need for hospitalization.
- With copays
- From 0 to 59 years old (inclusive). No maximum age to remain on the policy.
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
Who is it for? For those who want unlimited access to GPs and specialists at the most affordable premium, taking on a small copay per use and with no need for hospitalization.
- Price
- from €22.10/month
- Copays
- With copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 59 years old (inclusive)
What Sanitas Accede covers
A faithful summary of the official product sheet. The exact scope of each cover is set out in the general conditions, which we go through with you before you sign up.
Healthcare
- Unlimited consultations in general medicine and all specialties
- All simple diagnostic tests (blood tests, plain X-rays...)
- Ultrasounds
- Simple therapeutic methods (physiotherapy, aerosol therapy, wound dressing...)
- Basic dental coverage (consultations, cleanings, treatments and extractions)
- Emergency care
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 with no copay
Terms of enrolment
Copays, waiting periods and ages exactly as they appear on the official product sheet.
Copays
- From 0 to 15 services: 5 €
- From 16 services onwards: 10 €
- Diagnostic tests and therapeutic methods: 12 €
- Emergency care: 8 €
- Podiatry session: 3 €
- Dental: 3 €
- High-frequency services: 20 €
Copay limit per insured person, per year: 290 €
Waiting periods and enrolment age
No waiting periods.
Age: From 0 to 59 years old (inclusive). No maximum age to remain on the policy.
Official Sanitas documents
The full terms, in the PDFs published by Sanitas. We also send them to you with your quote.
The insurance product information document (IPID) can be downloaded from the official Sanitas product page. See the page on sanitas.es
Summary of the official Sanitas Accede product sheet (Sanitas, S.A. de Seguros). Enrolment is subject to the general and specific conditions of the policy. We explain them with no obligation.
Indicative price
Per insured person and month · Madrid rate
Sanitas rates: first-year premiums for new policies, excluding the 0.15% Consorcio surcharge. The exact price depends on each insured person's age and province. We confirm it in a minute, with no obligation.
| 0-2 years | 33.28 €/month |
| 3-15 years | 22.77 €/month |
| 16-19 years | 27.40 €/month |
| 20-39 years | 29.88 €/month |
| 40-59 years | 32.25 €/month |
What people ask us most about Sanitas Accede
Short answers, faithful to the official product sheet. If your case is different, we look at it with you on WhatsApp.
How much does Sanitas Accede cost?
from €22.10/month. The final premium depends on age and, for some products, on postcode; the office confirms it before you sign and applies current promotions.
Does Sanitas Accede have copayments?
Yes. From 0 to 15 services: 5 €. From 16 services onwards: 10 €. Diagnostic tests and therapeutic methods: 12 €. Emergency care: 8 €. Podiatry session: 3 €. Dental: 3 €. High-frequency services: 20 €. Copay limit per insured person, per year: 290 €
What waiting periods does Sanitas Accede have?
No waiting periods.
Up to what age can you take out Sanitas Accede?
From 0 to 59 years old (inclusive). No maximum age to remain on the policy.
Who is Sanitas Accede for?
For those who want unlimited access to GPs and specialists at the most affordable premium, taking on a small copay per use and with no need for hospitalization.