Sanitas Salud Autónomos
A flexible health insurance plan, specifically designed for those who are self-employed. With Sanitas Autónomos you will get full health coverage and, in addition, you will benefit from special advantages that adapt to the situations of a self-employed person, such as temporary disability, hospitalization, or traffic and work-related accidents. As an additional benefit, the first €500 of your premium is exempt from income tax (IRPF).
Because your well-being is also your best investment
Primary care
General medicine, pediatrics, nursing, and general emergencies to look after your day-to-day health.
Specialist care
Cardiology, dermatology, gynecology, neurology, traumatology, psychiatry, whatever specialists you need to take care of yourself.
Video consultations with specialists
Over 3,100 doctors in all specialties, available to assist you anytime, from anywhere.
Diagnostic tests
From basic lab work and X-rays to MRIs and more advanced tests.
Therapeutic treatments
Including rehabilitation, oncology, respiratory therapy, radiotherapy, and more.
Traffic and workplace accidents
You’ll also be covered in these situations, this type of assistance is often excluded from standard health plans.
Total protection
Support that covers key services in the event of home immobilization or hospital stays longer than 72 hours.
Surgical procedures
We’ve got you covered for any surgery—whether outpatient or with hospitalization.
Hospitalization
Full access to inpatient care, with the best facilities at your service.
Medical advice programs
Professionals available to guide and answer your health questions.
Vital signs monitoring from your mobile
Easily measure your heart rate, blood pressure, and more from your device, with the option to consult a doctor if needed.
24/7 emergency care via video consultation
Medical care anytime, anywhere, plus heart rate or blood pressure checks from your phone.
Daily allowance
Receive €60 per day in case of hospitalization, accident, or surgery.
Accidental death coverage
Funeral service and national transportation in case of accidental death, with a benefit of up to €5,250.
Customize your plan
We offer a wide range of optional coverage so you can tailor your plan to your specific needs.
Pharmacy Reimbursement
Optical Coverage
Medical Expense Reimbursement
Accident Coverage (€30,000)
Clínica Universidad de Navarra Access
Expanded Dental Coverage
If you prefer, we also offer a copayment option
With Sanitas Profesionales, you can choose a low copayment plan to reduce the cost of your insurance if you don’t need to visit the doctor frequently.
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 choose any doctor or clinic?
Yes, you have 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, ensuring you have multiple care options available.
Can I use the insurance outside of Spain?
Yes, the policy covers emergency medical care abroad up to €12,000 per insured person per year, so you’re protected wherever you go. You can also contact a doctor in Spain via video call for non-urgent consultations thanks to our digital coverage.
Note: to benefit from this service, your stay abroad must not exceed 90 days.
Is there a permanence clause?
Yes, health insurance policies have a 12-month duration and are automatically renewed. If you decide not to renew, simply let us know one month in advance.
When does my coverage begin?
Your policy will take effect on the 1st day of the month you choose when signing up for the insurance.
What is covered if I have a pre-existing condition?
If you have any illness or condition prior to enrolling in the insurance, you must declare it during the medical questionnaire in the second step of the registration process. After that, the procedure is as follows:
1. Medical review: The policy will remain pending while the medical department reviews your case.
2. Personal assessment: A doctor will contact you to evaluate the pre-existing condition and determine whether any coverage will be limited 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 copay?
A copay is a small amount you pay for certain medical services. It allows us to offer you a lower premium. If you don’t visit the doctor frequently, it’s an excellent way to save money.
If you’re not sure,
we’re here to help.
Need help?
Contact us
