Sanitas Salud 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.
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
Pharmacy Reimbursement
Accident Coverage (€30,000)
Expanded Dental Coverage
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
Can I choose my doctor or clinic?
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.
Is there a permanence clause?
Yes. The policy duration is 12 months and renews automatically. To cancel, notify us at least one month in advance.
When does the policy become active?
Your coverage starts on the 1st of the month you select during enrollment.
What are pre-existing conditions?
These are illnesses or health conditions the insured had before enrolling. They must be declared in the medical questionnaire during sign-up.
What happens if I declare a pre-existing condition?
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.
What is a co-payment?
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
