Reimbursement and premium
Sanitas Premium 500.000
From €94.00 a month In Madrid from €104.71
Example: a 3 year old child as the only insured person in most provinces, such as Granada, Málaga or Salamanca. Sanitas rates of April 2026.
90% reimbursement up to 500.000 € a year. Sanitas Premium 500.000 is a Sanitas policy in the Reimbursement and premium range, without copayments. For those who want maximum freedom: any doctor or hospital in the world, with 90% of the expense reimbursed and premium coverage for pharmacy, dental and hospitalization.
- No 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 maximum freedom: any doctor or hospital in the world, with 90% of the expense reimbursed and premium coverage for pharmacy, dental and hospitalization.
- Price
- from €94.00/month
- Copays
- No copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 64 years old
What Sanitas Premium 500.000 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
Premium reimbursement and extras
- 90% reimbursement of medical expenses with a limit of 500.000 €/year
- 50% reimbursement of medication expenses with a limit of 300 €
- Dental coverage with 80% reimbursement and a limit of 400 €/year (network arranged by Sanitas)
- Daily hospitalization allowance of 100 €/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: 5% with 5 or more insured; 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.
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 Premium 500.000 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.
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.
| 25 years | 135.46 €/month |
| 35 years | 156.95 €/month |
| 45 years | 180.35 €/month |
| 55 years | 237.49 €/month |
| 64 years | 291.30 €/month |
What people ask us most about Sanitas Premium 500.000
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 Premium 500.000 cost?
from €94.00/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 Premium 500.000 have copayments?
No: Sanitas Premium 500.000 is taken out without copayments.
What waiting periods does Sanitas Premium 500.000 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 Premium 500.000?
From 0 to 64 years old. No maximum age to remain on the policy.
Who is Sanitas Premium 500.000 for?
For those who want maximum freedom: any doctor or hospital in the world, with 90% of the expense reimbursed and premium coverage for pharmacy, dental and hospitalization.