Comprehensive health
Sanitas Más Salud
From €38.88 a month In Madrid from €46.68
Example: Óptima option (with copays) for 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.
Sanitas' complete coverage, with or without copays. Sanitas Más Salud is a Sanitas policy in the Comprehensive health range, with or without copayments. For those who want complete private medicine: specialists with no waiting, hospitalization and procedures at Sanitas' own hospitals, choosing between three copay options.
- With or without copays
- From 0 to 75 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 complete private medicine: specialists with no waiting, hospitalization and procedures at Sanitas' own hospitals, choosing between three copay options.
- Price
- from €32.40/month per insured person, with 4 or more on the policy
- Copays
- With or without copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 75 years old
What Sanitas Más Salud 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 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
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
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: 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).
Age: From 0 to 75 years old. No maximum age to remain on the policy.
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.
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 Salud (PDF)
- General terms and conditions · Sanitas Más Salud Plus (PDF)
- General terms and conditions · Sanitas Más Salud Óptima (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 Salud 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 €32.40/month per insured person, with 4 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 Salud
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 Salud cost?
from €32.40/month per insured person, with 4 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 Salud have copayments?
You can choose: Sanitas Más Salud 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 Salud have?
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).
Up to what age can you take out Sanitas Más Salud?
From 0 to 75 years old. No maximum age to remain on the policy.
Who is Sanitas Más Salud for?
For those who want complete private medicine: specialists with no waiting, hospitalization and procedures at Sanitas' own hospitals, choosing between three copay options.