Sanitas Más Salud Range
Sanitas Más Salud is a comprehensive health plan designed to offer you top-quality medical care, including hospitalization.
You can also choose whether you want your plan with or without copayments, making everything easier and more accessible.
Because your health comes first, and we want you to always have access to flexible, reliable health insurance.
Everything You Need to Care for Your Family
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.
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.
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
Medical Expense Reimbursement
Expanded Dental Coverage
Clínica Universidad de Navarra Access
Accident Coverage (€30,000)
If you prefer, we also offer a copayment option
With Sanitas Más Salud, you can choose a low-copayment plan to reduce the cost of your insurance if you don’t need to visit the doctor often.
Check your plan’s copayments here: click the arrow to see the full breakdown.
From 0 to 6 services:
0 €
From 7 to 10 services:
€4 per service
From 11 to 15 services:
€7 per service
More than 15 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
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 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 most extensive medical networks in Spain, ensuring you always have multiple care options available.
Can I use my health insurance outside of Spain?
Yes, the policy covers medical emergencies abroad up to €12,000 per insured person per year, so you’re protected wherever you go.
You can also speak with a doctor in Spain via video call for less urgent consultations, thanks to our digital coverage.
To access this benefit, your stay abroad must not exceed 90 days.
Is there a minimum contract period?
Yes, health insurance policies have a duration of 12 months and are automatically renewed.
If you decide not to renew, simply let us know at least one month in advance.
What are pre-existing conditions?
Your policy will take effect on the 1st day of the month you choose when signing up for the insurance.
What tests or services are covered if I have a pre-existing condition?
If you’ve had any illness or pre-existing condition prior to purchasing your insurance, you must declare it when completing the medical questionnaire in the second step of the enrollment process. From there, the procedure is as follows:
1. Medical Review: The policy will remain in a pending state while the medical department reviews your health history.
2. Personalized Assessment: A doctor will contact you to evaluate the pre-existing condition and determine whether any coverage limitations apply, or if you can access 100% of the services.
3. Final Decision: After the assessment, you will receive detailed information about the available coverage. At this point, you can choose to activate the policy or decline it at no cost.
What is a copayment?
Es una pequeña cantidad que pagas por ciertos servicios médicos, lo que nos permite ofrecerte una prima más baja. Si no acudes con frecuencia al médico, es una excelente forma de ahorrar.
If you’re not sure,
we’re here to help.
Need help?
Contact us
