Comprehensive health
Sanitas Top Quantum
From €69.55 a month In Madrid from €89.67
Example: 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.
Complete healthcare + reimbursement coverage included. Sanitas Top Quantum is a Sanitas policy in the Comprehensive health range, without copayments. For those who want the complete medical network and, on top of that, a reimbursement cushion for the specialties families use most: general medicine, paediatrics, gynaecology and obstetrics.
- No 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 the complete medical network and, on top of that, a reimbursement cushion for the specialties families use most: general medicine, paediatrics, gynaecology and obstetrics.
- Price
- from €57.96/month per insured person, with 4 or more on the policy
- Copays
- No copays
- Waiting periods
- Depends on the cover · details below
- Enrolment age
- From 0 to 75 years old
What Sanitas Top Quantum 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
- Psychology: 20 sessions
- Simple and advanced-technology diagnostic tests (CT scans, MRIs...)
- Simple and advanced-technology therapeutic methods
- Hospitalization and surgical procedures
Other coverage included
- Family reimbursement of 10.000 € for the specialties most in demand among families: general medicine, paediatrics, gynaecology and obstetrics
- Emergency care abroad for stays of up to 90 days (15.000 € per insured person, per year)
- Dental coverage
- International second medical opinion
- Traffic and workplace accidents
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
Outpatient surgical procedures: 8 months. Psychology: 3 months. Advanced-technology diagnostic tests: 6 months. Childbirth or caesarean section: 8 months. Complex therapeutic methods: 6 months. Tubal ligation and vasectomy: 6 months. Non-outpatient procedures and hospitalization: 8 months.
Age: From 0 to 75 years old. No maximum age to remain on the policy.
Summary of the official Sanitas Top Quantum 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.
| 25-29 years | 115.29 €/month |
| 35-39 years | 121.00 €/month |
| 45-49 years | 137.99 €/month |
| 55-59 years | 180.60 €/month |
| 65-69 years | 264.42 €/month |
What people ask us most about Sanitas Top Quantum
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 Top Quantum cost?
from €57.96/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 Top Quantum have copayments?
No: Sanitas Top Quantum is taken out without copayments.
What waiting periods does Sanitas Top Quantum have?
Outpatient surgical procedures: 8 months. Psychology: 3 months. Advanced-technology diagnostic tests: 6 months. Childbirth or caesarean section: 8 months. Complex therapeutic methods: 6 months. Tubal ligation and vasectomy: 6 months. Non-outpatient procedures and hospitalization: 8 months.
Up to what age can you take out Sanitas Top Quantum?
From 0 to 75 years old. No maximum age to remain on the policy.
Who is Sanitas Top Quantum for?
For those who want the complete medical network and, on top of that, a reimbursement cushion for the specialties families use most: general medicine, paediatrics, gynaecology and obstetrics.