Sanitas Premium 500.000
Sanitas Premium 500,000 is our health insurance plan designed to offer top-tier medical care both in Spain and internationally. It provides full coverage for diagnostics, treatments, hospitalizations, and access to leading specialists.
Also, you can choose a doctor anywhere around the world, with a 90% reimbursement on medical expenses and a limit of €500,000 per insured person per year, so you’re always protected, wherever you are.
Maximum protection, with no worries.
Primary Care
General medicine, pediatrics, nursing, and general emergencies to take care of your daily well-being.
Medical Specialties:
Cardiology, dermatology, gynecology, neurology, traumatology and psychiatry. All the specialists you need to take care of yourself.
Online Appointments with Specialists.
Over 3,100 doctors available across all specialties to assist you anytime, from anywhere.
Diagnostic Tests:
From basic analyses and X-rays to MRIs and complex procedures.
Therapeutic Methods:
Rehabilitation, oncology treatments, respiratory therapies, radiotherapy, and more.
Expense Reimbursement
90% reimbursement of medical expenses, up to a limit of €500,000 per year.
Decease Coverage
Payment of the premium for 12 months in the event of the policyholder’s decease.
Surgical Interventions:
Coverage for all surgeries, whether outpatient or requiring hospitalization.
Hospitalization
Comprehensive coverage for all necessary hospital admissions, with the best services for you.
Medical counseling programs
medical professionals that guide you and solve your personal health doubts.
Vital Signs Monitoring
Measure heart rate, blood pressure, and more from your mobile device, with the option to consult a doctor if needed.
24-Hour Emergency Video Consultations
24/7 medical support and health tracking right from your device.
Benefit
Daily hospitalization allowance of €100/day (for expenses incurred outside Sanitas’ medical network; up to 90 days per year).
International Coverage
Access to a network of top affiliated medical centers in the United States.
Build Your Plan, Your Way
We offer a wide range of optional coverages so you can tailor your plan to suit your specific needs and lifestyle.
Pharmacy Reimbursement
Optical Coverage
Accident Coverage (€30,000)
Expanded Dental Coverage
Clínica Universidad de Navarra Access
No Copayments
This policy is exempt from copayments, so you won’t have to worry about paying any additional fees.
Have in mind the following information
Terms and Conditions of Enrollment
We’ll provide everything you need to sign up for your health insurance.
We only require:
- A completed and signed application form
- The policyholder’s identification document
- The maximum enrollment age for this product is 75 years
- 4% discount for annual payment
If you have been covered by another health insurance policy in Spain for at least one year before joining Sanitas, you may eliminate the waiting periods on your new policy, except for childbirth.
Qualifying periods
Waiting periods indicate the time that must pass between enrolling in the health insurance and being able to access certain services.
Surgical procedures – Groups 0 to II (as per the OMC classification)
3 months
Diagnostic tests and psychology
6 months
Childbirth or C-section
8 months
Therapeutic treatments
10 months
Hospitalization and surgical procedures – Groups III to VIII (as per the OMC classification)
10 months
Surgical procedures – Groups 0 to II (as per the OMC classification)
3 months
Diagnostic tests and psychology
6 months
Childbirth or C-section
8 months
Therapeutic treatments
10 months
Hospitalization and surgical procedures – Groups III to VIII (as per the OMC classification)
10 months
Benefits contacting us
Fast and convenient
management
If you need a test or treatment that requires prior authorization, we’ll handle it quickly and easily.
You can send us the medical prescription by email, WhatsApp, or bring it directly to our office.
Personalized support
You’ll have a dedicated advisor from our team to help you with:
- Answering any questions or concerns
- Recommending medical centers
- Guiding you through any insurance-related process
Loyalty benefits on your policy.
Each year, a couple of months before your renewal, you can reach out to us and we’ll do our best to improve your policy conditions and secure additional benefits.
We value long-term relationships, and we want you to keep believing in us.
Frequently Asked Questions
Can I use my health insurance outside of Spain?
Sanitas will reimburse 90% of your medical expenses, up to a limit of €500,000 per insured person per year.
Additionally, in the event of a medical emergency due to illness or accident abroad, you’ll have up to €12,000 per person per year in coverage for medical expenses in any country worldwide.
Can I freely choose my doctor or medical center?
Yes, you have full access to the entire Sanitas medical network.
You can book an appointment directly with the specialist you need by calling the health center or hospital of your choice.
Sanitas has one of the largest medical networks in Spain, ensuring you have a wide range of care options available.
Does the insurance have a commitment period?
Yes, health insurance policies are valid for 12 months and renew automatically. If you decide not to renew, simply let us know at least one month in advance.
Do I have international coverage?
Yes, you can choose a doctor anywhere in the world.
The policy includes a 90% reimbursement of medical expenses, with an annual limit of €500,000. This way, you can access the best care, wherever you are.
When does my health insurance take effect?
Your coverage begins on the effective date stated in your policy, once the application is signed and payment confirmed.
What are pre-existing conditions?
Pre-existing conditions are health issues that the insured person had before purchasing the policy.
In other words, they are illnesses or disorders that have already been diagnosed or are known to exist at the time the insurance is contracted.
What tests or services are covered if I have a pre-existing condition?
If the pre-existing condition is not expressly accepted, Sanitas will not cover any diagnostic tests or treatments related to it.
If you’re not sure,
we’re here to help.
Need help?
Contact us
