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Sanitas Health Avanza

Start with the perfect insurance if you’re looking for a plan that combines in-person care, digital services, and excellent coverage in outpatient medical and surgical specialties. Ideal for those who prefer an affordable option with copayment, this insurance covers all the essentials for your health and well-being.

“Seguro Sanitas Avanza con copago moderado y servicios digitales”

Your Well-being, Always One Step Ahead

Primary Care

General medicine, pediatrics, nursing, and general emergencies to look after your daily health.

Medical Specialties

Cardiology, dermatology, gynecology, neurology, traumatology, psychiatry , all the specialists you need.

Basic Diagnostic Tests

Blood tests, X-rays, pap smears, mammograms, and other basic tests for fast diagnostics.

Advanced Diagnostic Tests

MRIs, CT scans, endoscopies, and more for precise and advanced medical assessments.

24/7 Emergency Care

Immediate medical consultations available 24 hours a day, no appointment needed.

Basic Therapeutic Treatments

Includes physiotherapy sessions, ventilation therapy, and other basic recovery treatments.

Video Consultations

Access to over 3,100 specialists from the comfort of your home via mobile.

Basic Dental Coverage

Coverage Includes cleanings, extractions, treatments, and dental consultations.

Surgical Procedures

More than 400 minor outpatient surgical procedures were covered , including removal of cysts, polyps, skin lesions, and wisdom teeth. These are classified as levels 0, 1, and 2 by the Spanish Medical Organization (OMC).

Build Your Plan, Your Way

You can enhance your coverage with optional add-ons to suit your personal needs:

Optical Coverage

50% reimbursement for optical materials, including prescription lenses and contact lenses.

Pharmacy Reimbursement

50% reimbursement of prescribed medication costs, up to €200 per insured person per year.

Accident Coverage (€30,000)

Financial protection for your family in case of decease, or permanent disability due to an accident.

Expanded Dental Coverage

Covers 70% of common dental procedures, including fillings and reconstructions, with 58 services included for prevention and maintenance.

Sanitas Avanza is designed to adapt to your needs, offering an easy and affordable co-payment system to reduce your premium if you don’t need frequent medical visits.

Check your plan’s copayments here: click the arrow to see the full breakdown.

From 0 to 6 services:

0 €

From 7 to 15 services:

€5 per service

More than 16 services:

€10 per service

Dental copayment:

€3 per dental consultation or treatment

Flat-rate copayment for high-frequency services (includes physiotherapy, ventilotherapy, oxygen therapy, and childbirth preparation):

€20

Annual copayment limit: A maximum of €360 per insured person per year, so you always have control over your healthcare expenses.

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

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

Yes, you have full access to Sanitas’ entire medical network. You can book an appointment directly with the specialist you need by calling the healthcare center or hospital of your choice. Sanitas has one of the most extensive medical networks, ensuring you multiple options for care.

Yes. The policy duration is 12 months and renews automatically. To cancel, notify us at least one month in advance.

Your coverage starts on the 1st of the month you select during enrollment.

These are illnesses or health conditions the insured had before enrolling. They must be declared in the medical questionnaire during sign-up.

1. Medical Review: Your health insurance plan is pending while our medical team evaluates it.


2. Personalized Assessment: A doctor will contact you to assess whether coverage is affected.


3. Final Decision: You’ll receive a clear explanation of what’s covered. You can then decide to activate or cancel your policy at no cost.

It’s a small fee you pay when using certain medical services. It helps reduce your monthly premium. If you rarely visit the doctor, it’s a great way to save.

If you’re not sure,
we’re here to help.

Need help?
Contact us

How do our clients rate their experience with us?
«Euge Yefremenko, agente comercial de salud, asesora a un cliente en la oficina de Protege Salud»

Euge Yefremenko

Health Insurance Agent

Hi, I’m Eugenio, part of the sales team at ProtegeSalud. I love connecting with people, understanding their needs, and making sure they receive the best possible care. For me, being in sales isn’t just about offering a service, but about building relationships based on trust and closeness.

Beyond my work, technology and artificial intelligence are my big passions. I’m studying programming because I believe innovation is key to improving people’s lives, and I’m motivated by learning and applying that knowledge in everyday life.

Being the youngest on the team gives me a fresh and dynamic perspective. I like to stay up to date, explore new ideas, and find ways to make every experience with us more agile, clear, and efficient.

If you ever need help, I’m here to advise you and offer the best solution. I’ll be glad to meet you and support you with whatever you need!

«Laura Paniagua, responsable de clientes, revisa contratos junto a un asegurado satisfecho»

Laura Paniagua

Account Manager

Hi, I’m Laura, and I look after customer care—something I truly enjoy. I love talking to people, helping to solve any questions or concerns, and making sure your experience with us is as positive as possible.

I see myself as a cheerful and proactive person, and I think that makes a real difference in my role. I value every conversation, because behind each message or call there’s someone who deserves to be listened to and supported in the best way—especially when it’s about health.

Outside of work, I’m passionate about reading (romance novels are my weakness—I can never resist a good love story!), I enjoy cooking whenever I have the time, and traveling is something that always excites me.

So here I am, ready to help with anything you need. You’re always welcome, and I’ll be glad to assist you with a big smile.

«Karel Izquierdo, ejecutivo de cuentas, analiza resultados de pólizas con un cuadro de mando»

Karel Izquierdo

Account Executive

I’ve always believed that human relationships are the foundation of everything. Connecting with people, listening to their stories, and understanding what they truly need is something I’m passionate about and that’s part of my everyday life.

I consider myself a sociable and approachable person, someone who enjoys creating genuine and lasting bonds. For me, it’s not just about answering questions or handling procedures, but about making sure each person feels well cared for and reassured that they have someone they can trust.

I’m also motivated by continuous learning, because I believe there’s always something new to discover—whether through a conversation, an experience, or simply by looking at things from a different perspective. Adapting to each situation and finding solutions that truly make a difference is what drives me to give my best.

«Alek Yefremenko, director de Protege Salud, presenta la estrategia anual al equipo»

Alek Yefremenko

CEO of Protege Salud

Here’s Alek, director of Protege Salud. Since I was a child, nature, psychology, and self-care have been part of my life. I’ve always believed that health is not only physical but also emotional. Over the years, I’ve learned that well-being goes beyond a simple medical appointment: it’s about feeling heard, understood, and reassured that someone is there to support you.

I’ve always been driven by the desire to help others, especially when it comes to health, and I know from my own experience how important it is to feel accompanied and supported when you need it most.

I like to truly connect with people, without technicalities or unnecessary formalities. Everyone has their own story, their concerns, and their unique needs, and for me, nothing is more important than understanding them and finding the best way to help.

If there’s one thing I’m sure of, it’s that no one should ever feel alone when it comes to their health. And if at any point you need guidance or simply someone to talk to who will listen, I’m here.