Self-employed and professionals
Sanitas Profesionales
From €38.90 a month In Madrid from €53.33
Example: Óptima option (with copays) for a self-employed person aged 18 to 24 as the only insured person in most provinces, such as Granada, Málaga or Salamanca. Sanitas rates of April 2026.
Exclusive coverage for the self-employed. Sanitas Profesionales is a Sanitas policy in the Self-employed and professionals range, with or without copayments. For self-employed workers (and their spouse and children up to age 26): Sanitas' complete coverage plus a support network designed for when the business depends on your health.
- With or without copays
- From 0 to 75 years old. No maximum age to remain on the policy. Available to the self-employed worker, their spouse and children up to age 26.
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 self-employed workers (and their spouse and children up to age 26): Sanitas' complete coverage plus a support network designed for when the business depends on your health.
- Price
- from €38.90/month
- Copays
- With or without copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 75 years old
What Sanitas Profesionales 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...)
- 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
Exclusive protection for the self-employed
- Full protection against hospitalization or temporary incapacity leave: help with household tasks, medication delivered to your home from the pharmacy, an at-home physiotherapist, reimbursement of the insurance premium...
- Healthcare in the event of a workplace or traffic accident
- Funeral insurance in the event of an accident
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.
Age: From 0 to 75 years old. No maximum age to remain on the policy. Available to the self-employed worker, their spouse and children up to age 26.
Specific terms for self-employed workers under the direct estimation tax regime (ask at our office about the tax details that apply to your case; not applicable in the Basque Country).
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 Profesionales (PDF)
- General terms and conditions · Sanitas Profesionales Plus (PDF)
- General terms and conditions · Sanitas Profesionales 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 Profesionales 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.
| Óptima (copago alto) | 53.88 €/month |
| Plus (copago bajo) | 71.95 €/month |
| Sin copagos | 109.42 €/month |
What people ask us most about Sanitas Profesionales
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 Profesionales cost?
from €38.90/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 Profesionales have copayments?
You can choose: Sanitas Profesionales 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 Profesionales 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.
Up to what age can you take out Sanitas Profesionales?
From 0 to 75 years old. No maximum age to remain on the policy. Available to the self-employed worker, their spouse and children up to age 26.
Who is Sanitas Profesionales for?
For self-employed workers (and their spouse and children up to age 26): Sanitas' complete coverage plus a support network designed for when the business depends on your health.