Reimbursement and premium
Sanitas Más 90.000
From €69.20 a month In Madrid from €77.08
Example: option with copays for a 14 or 15 year old as the only insured person in most provinces, such as Granada, Málaga or Salamanca. Sanitas rates of April 2026.
Our most competitive reimbursement insurance. Sanitas Más 90.000 is a Sanitas policy in the Reimbursement and premium range, with or without copayments. 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.
- With or without copays
- From 0 to 64 years old. 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 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.
- Price
- from €58.82/month per insured person, with 5 or more on the policy
- Copays
- With or without copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 64 years old
What Sanitas Más 90.000 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
- 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
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
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
Terms of enrolment
Copays, waiting periods and ages exactly as they appear on the official product sheet.
Waiting periods and enrolment age
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: From 0 to 64 years old. No maximum age to remain on the policy.
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.
Official Sanitas documents
The full terms, in the PDFs published by Sanitas. We also send them to you with your quote.
- General terms and conditions · Sanitas Más 90.000 sin copago (PDF)
- General terms and conditions · Sanitas Más 90.000 con copago (PDF)
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 Más 90.000 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.
from €58.82/month per insured person, with 5 or more on the policy
Sanitas entry premium. The exact price depends on each insured person's age and province. We confirm it in a minute, with no obligation.
What people ask us most about Sanitas Más 90.000
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 Más 90.000 cost?
from €58.82/month per insured person, with 5 or more on the policy. 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 Más 90.000 have copayments?
You can choose: Sanitas Más 90.000 is taken out without copayments, at a fixed premium, or with copayments and a lower premium. The starting price shown is for the option with copayments.
What waiting periods does Sanitas Más 90.000 have?
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.
Up to what age can you take out Sanitas Más 90.000?
From 0 to 64 years old. No maximum age to remain on the policy.
Who is Sanitas Más 90.000 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.