Can I add an add-on later?

Yes, many of them. Optical, the Clínica Universidad de Navarra, Accidents, Traffic and work accidents, Hospital cash benefit and Pharmacy and home services can be taken out at any time. Supplementary Reimbursement Cover, US Cover and Repatriation are added with a new policy or at renewal. Pharmacy and Family Assistance can also be taken out at any time as Farmacia Ahora (4 month waiting period) and Asistencia Familiar Ahora (2 months).

Do children pay a premium?

It depends on the add-on. With Optical for the whole policy children under 6 pay no premium and are covered. With Traffic and work accidents children under 18 pay nothing. With dental children under 6 who are on the policy with one of their parents pay nothing. With the rest each insured person pays their own premium.

Which add-ons can I add to my insurance?

It depends on the insurance and the table on this page shows it one by one. Más Salud accepts all of them. Único accepts Pharmacy, Pharmacy and home services and Sanitas Dental. International Students accepts Pharmacy and the two accident add-ons. If in doubt we confirm it when we prepare your price.

Where do I take them out and what do they cost?

With the office and together with your health insurance. The price is the Sanitas rate you see on this page: most have a fixed premium per insured person per month while the Clínica Universidad de Navarra, Reimbursement and Accidents depend on age, province, capital or occupation. The first payment also includes the Consorcio de Compensación de Seguros surcharge (0.15%).

Sanitas add-ons: what each one covers and what it costs

Add-ons are extra cover you add to your Sanitas health insurance: pharmacy, glasses, reimbursement, the Clínica Universidad de Navarra, accidents and more. Here you can see what each one covers, its 2026 price and which insurance it can be added to.

Prices from the Sanitas 2026 add-on range
Taken out with the office together with your insurance
We prepare the price for your policy

Calculate price

Call the office+34 919 93 17 90

WhatsApp+34 655 02 69 85

The add-ons and their price

Individual price per insured person per month. Open each one to see what it covers, its conditions and where the price comes from.

Pharmacy

€4.30 per insured person per month

What it covers

We refund half of what you spend on prescription medicines.

50 % refund of your pharmacy bill up to €200 per insured person and year
Prescriptions from any doctor count: in the Sanitas network, outside it or from the public health system
You claim in the Mi Sanitas app within 90 days with the itemised invoice, the prescription in the insured person's name and the medical report

It covers the whole policy. With the new policy or at renewal it has no waiting period and at any other time it is added as Farmacia Ahora with a 4 month waiting period.

Price per month

Option	Per insured person per month
Whole policy	€4.30

Source: Sanitas, “Gama de complementos Versión 2026” (p. 4). Price for new policies until 31 December 2026.

Conditions

Who gets it: Whole policy
Age to take it out: From 0 to 75 years
Age limit to keep it: No limit
Waiting period: No waiting period
When to add it: With the new policy or at renewal
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

Optical

€5.90 per insured person per month

What it covers

We refund half of your prescription glasses and contact lenses.

50 % refund of prescription lenses and contact lenses up to €600 per person and year
One prescription a year from a Sanitas network ophthalmologist or from any ophthalmologist if your policy has reimbursement
On the whole policy children under 6 pay no premium and are covered
Frames are not included

3 month waiting period. It can be added at any time for the whole policy or only for whoever chooses it at a different premium.

Price per month

Option	Per insured person per month
Whole policy	€5.90
Each insured person who chooses it	€7.75
Children under 6Whole policy	No premium

Source: Sanitas, “Gama de complementos Versión 2026” (p. 14). Price from the 2026 add-on range.

Conditions

Who gets it: Whole policy or each insured person who chooses it
Age to take it out: From 0 to 75 years
Age limit to keep it: No limit
Waiting period: 3 months
When to add it: At any time
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

Dental

€12.20 or €22.90 per insured person per month

What it covers

Add Sanitas dental cover to your health insurance.

Sanitas Dental Premium covers 70 % of the reasons people go to the dentist and includes fillings and reconstructions
Sanitas Dental Milenium in the Dentales Milenium clinics
Sanitas Dental with a network of more than 2,400 dentists across Spain

There are several plans and we prepare the price with your policy.

Price per month

Option	Per insured person per month
Sanitas Dental MileniumWith a co-payment of €3 per visit day	€12.20
Sanitas Dental PremiumNo co-payments	€22.90
Children under 6 with one of their parents on the policy	No premium

Sanitas Dental and Dental One: we prepare the price for you.

Source: Sanitas rate confirmed to the office on 1 September 2026. Price from the 2026 add-on range.

Can be added to

Más Salud (Milenium and Premium and Sanitas Dental)
Más Salud Familias (Milenium and Premium and Sanitas Dental)
Profesionales (Milenium and Premium and Sanitas Dental)
Accede (Sanitas Dental and Dental One)
Avanza (Sanitas Dental and Dental One)
Único (Sanitas Dental and Dental One)
Residents (Premium and Sanitas Dental)

Calculate with this add-on Ask on WhatsApp

Supplementary Reimbursement Cover

Depends on capital and province

What it covers

See the doctor or hospital of your choice in Spain or abroad and we refund 80 %.

80 % refund of your bills up to the capital you choose: from €50,000 to €300,000 per insured person and year
You keep the Sanitas medical network as before
Each capital has limits per item such as room, fees or tests and we show them to you before you sign

From 0 to 64 years. It needs a health questionnaire, carries the waiting periods of your health insurance and can only be added with the new policy or at renewal.

Price per month

Capital	Madrid	Other provinces
€50,000	€31.59	€28.90
€100,000	€34.49	€31.70
€150,000	€37.19	€34.50
€200,000	€41.29	€38.60
€300,000	€48.19	€45.40

Madrid: postcodes starting with 28.
With Residents you choose €150,000 or €300,000.

Source: Sanitas, “Gama de complementos Versión 2026” (p. 5). Price from the 2026 add-on range.

Conditions

Who gets it: Each insured person who chooses it
Age to take it out: From 0 to 64 years
Waiting period: The one of your health insurance
When to add it: With the new policy or at renewal
Health questionnaire: Yes

Can be added to

Calculate with this add-on Ask on WhatsApp

Clínica Universidad de Navarra

Depends on age and province

What it covers

Adds the Clínica Universidad de Navarra in Madrid and Pamplona to your medical network.

More than 30 specialties such as oncology, cardiology and neurology
€10 co-payment for A&E, consultations and diagnostic tests
Not included: general medicine, psychiatry, psychology, physiotherapy or Da Vinci robotic surgery

Each insured person aged 0 to 75 can add it at any time with a health questionnaire. Not available in Navarra, Cantabria or La Rioja.

Price per month

Age	High zone	Other provinces
From 0 to 49 years	€49.16	€38.40
From 50 to 64 years	€56.84	€38.40
From 65 to 75 years	€64.48	€38.40

High zone: Madrid, Toledo, Segovia, Ávila, Guadalajara, Soria, Biscay, Gipuzkoa, Álava, Huesca and Zaragoza.
Not available in Navarre, Cantabria or La Rioja.

Source: Sanitas, “Gama de complementos Versión 2026” (p. 6). Price for new policies until 31 December 2026.

Conditions

Who gets it: Each insured person who chooses it
Age to take it out: From 0 to 75 years
Age limit to keep it: Same as your health insurance
Waiting period: The one of your health insurance
When to add it: At any time
Health questionnaire: Yes

Can be added to

Calculate with this add-on Ask on WhatsApp

Family Assistance

€2.20 per insured person per month

What it covers

Help at home if you are in hospital for more than 48 hours or on sick leave at home for more than 5 days.

Up to 30 hours of a home helper for household tasks within a maximum of 1 month
Care for children under 16 or dependent parents and travel to a relative's home in Spain
School run for the children, care for dogs and cats and delivery of medicines

It covers the whole policy. With the new policy or at renewal it has no waiting period and at any other time it has a 2 month waiting period.

Price per month

Option	Per insured person per month
Whole policy	€2.20

Source: Sanitas, “Gama de complementos Versión 2026” (p. 15). Price from the 2026 add-on range.

Conditions

Who gets it: Whole policy
Age to take it out: From 0 to 75 years
Age limit to keep it: Same as your health insurance
Waiting period: No waiting period
When to add it: With the new policy or at renewal
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

Traffic and work accidents

€2.70 per insured person per month

What it covers

Medical care after a traffic or work accident and help at home while you recover.

Medical care for traffic accidents, work accidents or occupational disease
Up to 90 hours of home help for housework, care of children or elderly relatives and personal care
Up to 6 psychological support sessions: 3 by phone and 3 in person

It covers the whole policy and can be added at any time with no waiting period. Under-18s pay no premium.

Price per month

Option	Per insured person per month
Whole policy	€2.70
Children under 18	No premium

Source: Sanitas, “Gama de complementos Versión 2026” (p. 10). Price from the 2026 add-on range.

Conditions

Who gets it: Whole policy
Age to take it out: From 0 to 75 years
Age limit to keep it: No limit
Waiting period: No waiting period
When to add it: At any time
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

Hospital cash benefit

€2.00 per insured person per month

What it covers

We pay you €60 for every day you are in hospital.

€60 per day in hospital and double in intensive care
50 % more if you are admitted outside your province
50 % for 5 days of recovery after surgery and up to 6 days for childbirth or caesarean

Each insured person aged 0 to 75 can add it at any time. 8 month waiting period and medical assessment.

Price per month

Option	Per insured person per month
Each insured person who chooses it	€2.00

Source: Sanitas, “Gama de complementos Versión 2026” (p. 11). Price from the 2026 add-on range.

Conditions

Who gets it: Each insured person who chooses it
Age to take it out: From 0 to 75 years
Age limit to keep it: Up to age 75
Waiting period: 8 months
When to add it: At any time
Health questionnaire: Yes

Can be added to

Calculate with this add-on Ask on WhatsApp

Accidents

Depends on occupation and capital

What it covers

A lump sum for you or your family if an accident causes death or permanent disability.

Capital of €30,000 or €60,000
The premium depends on your occupational group
No waiting period: cover from day one
Motorbikes, skiing, diving or climbing as a hobby only with an extra premium

From 18 to 65 years with cover until 70. Each insured person chooses it and it needs a medical assessment.

Price per month

Occupational group	€30,000	€60,000
Groups 1 and 2	€4.00	€8.00
Group 3	€7.50	€15.00
Group 4	€12.00	€24.00

Groups 1 and 2: Work without manual effort even if you travel. For example lawyers, architects, doctors, teachers, office staff, sales representatives, students and homemakers.
Group 3: Manual work without machinery. For example sculptors, painters and engravers.
Group 4: Constant physical effort with machinery.
In Navarre, Cantabria and La Rioja we will confirm the price.

Source: Sanitas, “Gama de complementos Versión 2026” (p. 9). Price from the 2026 add-on range.

Conditions

Who gets it: Each insured person who chooses it
Age to take it out: From 18 to 65 years
Age limit to keep it: Up to age 70
Waiting period: No waiting period
When to add it: At any time
Health questionnaire: Yes

Can be added to

Calculate with this add-on Ask on WhatsApp

Pharmacy and home services

€8.20 per month for 1 insured person

What it covers

Pharmacy refund plus health services at home.

50 % refund of your medicines up to €300
6 home deliveries of medicines per insured person and year
2 blood tests and 6 physiotherapy sessions at home per insured person and year

Each insured person chooses it and it can be added at any time with no waiting period. With 2 or more insured people we confirm the price.

Price per month

Option	Per insured person per month
1 insured person	€8.20
2 or more insured people	We will confirm it

From 76 to 99 years of age we will confirm the price.

Source: Sanitas, “Gama de complementos Versión 2026” (p. 3). Price for new policies until 31 December 2026.

Conditions

Who gets it: Each insured person who chooses it
Age to take it out: From 0 to 75 years
Age limit to keep it: No limit
Waiting period: No waiting period
When to add it: At any time
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

US Cover

€1.60 per insured person per month

What it covers

Access to a network of leading hospitals in the United States with the appointment arranged by Sanitas.

Centres such as MD Anderson Cancer Center in Houston or Johns Hopkins Hospital in Baltimore
100 % of medical expenses up to €30,000 per insured person and year
Second medical opinion from US specialists

It covers the whole policy and can only be added with the new policy or at renewal. It needs a medical assessment and carries the waiting periods of your health insurance.

Price per month

Option	Per insured person per month
Whole policy	€1.60

Source: Sanitas, “Gama de complementos Versión 2026” (p. 7). Price from the 2026 add-on range.

Conditions

Who gets it: Whole policy
Age to take it out: From 0 to 75 years
Age limit to keep it: No limit
Waiting period: The one of your health insurance
When to add it: With the new policy or at renewal
Health questionnaire: Yes

Can be added to

Calculate with this add-on Ask on WhatsApp

Repatriation

€3.20 per insured person per month

What it covers

Transfer to your home country in the event of death in Spain.

Transfer from the international airport to your home town
Travel for a companion who is a close relative
Cover required for the residence permit or the visa

It covers the whole policy and is added with the new policy or at renewal. Cover from day one with no health questionnaire.

Price per month

Option	Per insured person per month
Whole policy	€3.20

Source: Sanitas, “Gama de complementos Versión 2026” (p. 18). Price from the 2026 add-on range.

Conditions

Who gets it: Whole policy
Age to take it out: From 0 to 75 years
Waiting period: No waiting period
When to add it: With the new policy or at renewal
Health questionnaire: No

Can be added to

Calculate with this add-on Ask on WhatsApp

Which add-on goes with each insurance

Which add-ons can be added to each insurance (November 2026).

Add-on	Más Salud	Más Salud Familias	Profesionales	Top Quantum	Accede Avanza	Único	Más 90.000	Premium 500.000	Residents	Residents Platinum	International Students
Pharmacy	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	Top Quantum: Yes	Accede · Avanza: Yes	Único: Yes	Más 90.000: Yes	No	Residents: Yes	No	International Students: Yes
Optical	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	Accede · Avanza: Yes	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	No
Dental	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	Accede · Avanza: Yes	Único: Yes	No	No	Residents: Yes	No	No
Supplementary Reimbursement Cover	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	No	No	No	No	Residents: Yes	No	No
Clínica Universidad de Navarra	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	No	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	No
Family Assistance	Más Salud: Yes	No	No	No	Accede · Avanza: Yes	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	No
Traffic and work accidents	Más Salud: Yes	Más Salud Familias: Yes	No	No	No	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	International Students: Yes
Hospital cash benefit	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	Accede · Avanza: Yes	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	No
Accidents	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	Accede · Avanza: Yes	No	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	Residents Platinum: Yes	International Students: Yes
Pharmacy and home services	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	Top Quantum: Yes	Accede · Avanza: Yes	Único: Yes	Más 90.000: Yes	Premium 500.000: Yes	Residents: Yes	No	No
US Cover	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	No	No	No	No	No	No	No	No
Repatriation	Más Salud: Yes	Más Salud Familias: Yes	Profesionales: Yes	Top Quantum: Yes	No	No	Más 90.000: Yes	Premium 500.000: Yes	No	No	No

¹ Residents only offers Reimbursement of €150,000 or €300,000.
² Residents Platinum takes those of Residents Platinum Visado. We confirm it when we prepare your policy.
³ Sanitas Dental or Dental One: we prepare the price for you.
Más Salud also covers its Plus and Óptima options. The same goes for Profesionales and Familias with their options, Más 90.000 with and without co-payments and Residents with Residents Visado.

Mi Salud Genómica: your genome and a plan to stay healthy

A service for people who are already Sanitas customers. It is not in the calculator because it has no monthly fee: it is a one-off payment per insured person.

Your genome sequenced with a 2 year prevention plan.

Analysis of more than 240 genes linked to preventable diseases
How you respond to more than 150 medicines and more than 45 nutrition and exercise traits
2 year prevention plan with a doctor, nutritionist, trainer and psychologist

For customers with more than 6 months at Sanitas aged 18 or over. No monthly fee: a one-off payment per insured person. The service is provided in Spanish.

One-off payment per insured person	€750.00

Promotion until 31 December 2026: €550.00 in one payment or 3 payments of €183.33.

The promotion is for those who activate it during the 2026 policy year.
Source: Sanitas, “Argumentario de Mi Salud Genómica” (p. 14). Price from the 2026 add-on range.

Ask for Mi Salud Genómica

Questions about the add-ons

Can I add an add-on later?: Yes, many of them. Optical, the Clínica Universidad de Navarra, Accidents, Traffic and work accidents, Hospital cash benefit and Pharmacy and home services can be taken out at any time. Supplementary Reimbursement Cover, US Cover and Repatriation are added with a new policy or at renewal. Pharmacy and Family Assistance can also be taken out at any time as Farmacia Ahora (4 month waiting period) and Asistencia Familiar Ahora (2 months).
Do children pay a premium?: It depends on the add-on. With Optical for the whole policy children under 6 pay no premium and are covered. With Traffic and work accidents children under 18 pay nothing. With dental children under 6 who are on the policy with one of their parents pay nothing. With the rest each insured person pays their own premium.
Which add-ons can I add to my insurance?: It depends on the insurance and the table on this page shows it one by one. Más Salud accepts all of them. Único accepts Pharmacy, Pharmacy and home services and Sanitas Dental. International Students accepts Pharmacy and the two accident add-ons. If in doubt we confirm it when we prepare your price.
Where do I take them out and what do they cost?: With the office and together with your health insurance. The price is the Sanitas rate you see on this page: most have a fixed premium per insured person per month while the Clínica Universidad de Navarra, Reimbursement and Accidents depend on age, province, capital or occupation. The first payment also includes the Consorcio de Compensación de Seguros surcharge (0.15%).

Add-ons are taken out with the office

We prepare the price for your policy and add the add-ons when you take out your insurance or later. Always with the same people and in 8 languages.

Enquire via WhatsApp+34 655 02 69 85

Call the office+34 919 93 17 90

Calculate price

Sanitas information updated in November 2026. Individual premiums per insured person per month without the Consorcio surcharge (0.15%). The general and specific conditions of each add-on always prevail. ANYO HEALTH SL is an exclusive Sanitas agency registered with the DGSFP under code C0320B67816207.