Comprehensive health
Sanitas Más Salud Familias
From €53.35 a month In Madrid from €63.84
Example: Familias Plus (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.
The best care for your family. Sanitas Más Salud Familias is a Sanitas policy in the Comprehensive health range, with or without copayments. For families with children: the complete Más Salud coverage, reinforced with psychology with no waiting periods, speech therapy and qualified at-home help when the unexpected happens.
- 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 families with children: the complete Más Salud coverage, reinforced with psychology with no waiting periods, speech therapy and qualified at-home help when the unexpected happens.
- Price
- from €40.01/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 Familias 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 (paediatrics, gynaecology...)
- Simple and advanced-technology diagnostic tests (CT scans, MRIs...)
- Hospitalization and surgical procedures
- Simple and advanced-technology therapeutic methods (radiotherapy, chemotherapy...)
- Emergency care abroad for stays of up to 90 days
- Dental coverage with more than 40 services included
- International second medical opinion
Extra support for the family
- Psychology: 20 sessions, plus 40 additional sessions for eating disorders, with no waiting periods
- Speech therapy: 20 sessions, for both speech defects and organic conditions
- Family assistance: qualified at-home help for you and your children in unexpected situations
The two options
- Más Salud Familias: no copays, you pay the same whatever you use
- Más Salud Familias Plus: a low copay per service (the first 6 services each year are free), with a reduced monthly premium
- Same cover in both: psychology with no waiting periods, speech therapy and family assistance
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.
Copays
- Only in Familias Plus (the no-copay option has none)
- From 0 to 6 services: 0 €
- From 7 to 10 services: 4 €
- From 11 to 15 services: 7 €
- From 16 services: 10 €
- Dental: 3 €
Copay limit in Familias Plus per insured person, per year: 360 €
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. No waiting period for psychology.
Age: From 0 to 75 years old. 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.
- General terms and conditions · Sanitas Más Salud Familias (PDF)
- General terms and conditions · Sanitas Más Salud Familias Plus (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 Familias 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 · policies with 4 or more people
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 | 118.37 €/month |
| 3-15 years | 65.25 €/month |
| 20-24 years | 83.52 €/month |
| 30-34 years | 88.95 €/month |
| 40-44 years | 93.23 €/month |
| 50-54 years | 110.46 €/month |
| 60-64 years | 172.81 €/month |
| 3-15 years · Plus | 47.88 €/month |
| 30-34 years · Plus | 64.99 €/month |
| 40-44 years · Plus | 71.99 €/month |
What people ask us most about Sanitas Más Salud Familias
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 Familias cost?
from €40.01/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 Familias have copayments?
You can choose: Sanitas Más Salud Familias 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 Familias 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. No waiting period for psychology.
Up to what age can you take out Sanitas Más Salud Familias?
From 0 to 75 years old. No maximum age to remain on the policy.
Who is Sanitas Más Salud Familias for?
For families with children: the complete Más Salud coverage, reinforced with psychology with no waiting periods, speech therapy and qualified at-home help when the unexpected happens.