Sanitas Health Insurance
The best private insurance with Sanitas
We’ll call you and calculate the price of your health insurance on the spot.
+58.000
+4.500
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the best 24/7 digital healthcare by Sanitas.
Sanitas Health Insurance Prices
Sanitas Access
- Very competitive premium.
- Co-payment option to pay less each month
- Access to Sanitas’ extensive medical network..
- Video consultation, e-prescription and authorisations.
Sanitas More Health Families
- Discounts based on the number of insured persons on the policy..
- Paediatrics and specialists for the whole family
- Options with or without co-payment.
- App for all types of tasks.
Sanitas More Health
- Primary care and specialists.
- Wide network of partner clinics and hospitals.
- Options with and without co-payment depending on your usage.
- Digital health: video consultation and e-prescription.
Sanitas Self-Employed
- Plans tailored to real usage (with/without co-payment).
- Extensive medical network and 24/7 support.
- 100% online, fast procedures so you can keep working.
- Possible income-tax advantages (IRPF).
Sanitas Seniors +60
- Ongoing health monitoring and check-ups.
- Options with and without co-payment for greater predictability.
- Rehabilitation and specialists for this stage of life.
- Human and digital support for appointments and results.
Sanitas for International Residents in Spain
- Plans tailored to typical visa and residency requirements.
- Paediatrics, GP and a leading medical network, with 24/7 digital management
- Options so you can choose how you prefer to pay (with or without co-payment)
- Emergency assistance abroad on specific plans.
- 100% online sign-up, authorisations and results via the app
Sanitas for International Students
- Policies built for study and residency procedures, with fast certification.
- Primary care, emergency care and a leading medical network across Spain.
- Video consultations, e-prescriptions, authorisations and results in the app, 24/7.
- Options to balance savings and predictability during the academic year.
- Emergency cover abroad on specific plans, so you can move around with peace of mind.
Benefits of taking out Sanitas health insurance
Impartial advice
We help you decide between Sanitas with co-payment and without co-payment according to your actual usage.
Fast sign-up and management
100% online sign-up, no paperwork, with help at every step.
International cover
Leading medical network
Own and partner clinics and hospitals across Spain.
Digital health
Video consultation, e-prescription and medical chat available 24/7.
Transparent co-payments
Clear co-payment table and annual caps to avoid surprises.
Sanitas Health
Your wellbeing and that of your loved ones in the hands of a leading health-insurance company.
At Sanitas we look after people’s health
Sanitas health insurance with co-payment
Sanitas health insurance without co-payment
Sanitas with co-payment vs Sanitas without co-payment
| Feature | With co-payment | Without co-payment |
|---|---|---|
| Monthly premium | Lower | Higher |
| Pay per use | Co-payments per medical act | Included in the premium |
| Annual co-payment cap | Yes, maximum limit | Not applicable |
| Best for | People who use the insurance infrequently | People who use the insurance frequently |
| Availability | Individuals, families, seniors | Individuals, families, students |
Frequently Asked Questions
Which Sanitas health policies do we offer?
We work with the main Sanitas options:
• With co-payment: Más Salud, Más Salud Familias, Senior (subject to eligibility).
• Without co-payment: Más Salud Plus, Más Salud Familias Plus, Senior (subject to eligibility), International Students.
• Segments: Family, Seniors 60+, Foreign nationals, International students, Self-employed, Businesses.
We’ll provide written details of cover, waiting periods and final price before you sign.
How can we help you?
We are a tied Sanitas agent that advises on and manages the purchase of health insurance in Spain. We serve individuals, families, seniors, the self-employed and businesses. We offer a personalised assessment, a comparison between Sanitas with co-payment and Sanitas without co-payment, and support throughout the entire sign-up process.
How to choose between Sanitas with and without co-payment?
- With co-payment: lower monthly premium; you pay small amounts per medical act with an annual cap. Ideal if you use the insurance infrequently and prioritise a low monthly price.
- Without co-payment: everything included in the premium; no pay-per-use charges and predictable billing. Recommended if you use the insurance frequently or prefer simplicity.
We compare both options using your age, province and expected usage to recommend the right plan.
What cover is included in Sanitas health insurance?
Depending on the plan, cover may include: primary care, specialists, diagnostic tests, 24/7 emergency care, hospitalisation, procedures, pregnancy and childbirth (where applicable), rehabilitation/physiotherapy, and digital health (video consultations, e-prescriptions, online authorisations).
We provide a detailed benefits schedule by product and a co-payment table (where applicable), clearly indicating waiting periods and exclusions for complete transparency.
How do waiting periods, pre-existing conditions and co-payments work?
- Waiting periods: some services (e.g., high-tech tests or childbirth) may have a waiting period depending on the plan.
- Pre-existing conditions: previous medical conditions may require declaration and are subject to assessment.
- Co-payments (only on co-payment plans): per-use charges with an annual cap to help control costs.
