Sanitas Pymes Digital

Now our doctors and your employees are even more connected.

From €46.85 / Month

Cover & Services
Sanitas Pymes Digital

You can choose it with copayment or without copayment

This policy is suitable for residency / N.I.E. / visa. (No copayment)

With Sanitas Pymes Digital you take care of your company by taking care of your employees. By having a health insurance for SMEs, your employee feels more cared for, motivated and committed, which helps the smooth running of your company.

The most important thing for your employees is to have a great place to work and to feel loved and valued. With Sanitas Pymes digital insurance your employees will have full coverage in Spain, access to all facilities and specialists in the Sanitas network and includes Dental 21 coverage with access to all our Millenium dental centers. If you wish, you can add additional services as part of your coverage.

It is a comprehensive medical and healthcare product, with access to all medical specialties and hospitalization, which includes exclusive services aimed at offering maximum comfort to employees.
In addition, with access to Sanitas’ extensive healthcare network of more than 50,000 professionals and 1,200 medical centers, 3 hospitals, 19 Milenium Multiespecialty centers and more than 170 Milenium Dental Clinics.

Tax Exemption

Private health insurance payments are tax-deductible, which means you can offset the first €500 for each member on your policy including your spouse and children. These payments are then exempt from income tax, putting more money back into your pocket.

Choose Specialist

Choose from Sanitas top professionals: 50,000 specialists and 700 private clinics throughout Spain. You can also visit any other healthcare centre or doctor of your choice, whether in Spain or anywhere else in the world.

The largest network of professionals

Sanitas has the largest network in Spain, with the best professionals. This network covers all aspects of your health. We have the best medical treatments and services available.

Coronavirus COVID-19

Coronavirus COVID-19 is fully covered.

Online Platform

You will have your own online account within the Sanitas platform. From where you can search for doctors and filter those who speak your language.

Multilingual Support Department

Sanitas support department is multilingual.

Policy Documents

Sanitas has policy documents available in English or Spanish.

Customise your insurance

We have different complements so that you can design the policy to your liking.

Travel Assistance Addon

Travel Assistance: We collaborate with Europ Assistance. Limit of 12.000 per person, per claim.

Dental 21 Addon

Includes more than 30 services and up to 21% discount on other treatments.

Videoconsultation with specialists: Available in all medical specialties, such as General Medicine, Gynaecology, Paediatrics, Cardiology and Dermatology, etc. (Includes specialties that can be attended in a digital consultation).

 

24-hour emergencies

General and paediatric care. No appointment necessary.
 

Digital consultation today

To connect with doctors in 10 specialties on the same day.
 

Monitor your health

You will be able to digitally follow up with a medical team on certain health profiles such as weight control, asthma, arrhythmias, blood pressure, pregnancy or Covid 19.
 

Vital signs measurement by facial image

So you can measure your vital signs yourself in just a few minutes.
  • Heart rate
  • Breathing rate
  • Blood pressure
  • Stress level
  • Risk of cardiovascular disease and heart attack
  • Risk of brain disease

Exclusive home delivery services:

 

Delivery of medicines to your home

We deliver your medications free of charge to your home or work from the pharmacy within a maximum of 3 hours. You have six services per insured and year.

 

Physiotherapy at home

In case of medical prescription, a physiotherapist will come to your home or work. You have 5 hours per insured person per year.

Digital coaching programs: Available on the Sanitas App, which will allow you to track your activity and your progress to help you achieve your goals.

Digital nutrition programme

Helping you to maintain a healthy lifestyle.
 

Digital personal trainer programme

To improve your physical condition.
 

Digital Pregnancy Programme

For a healthy pregnancy and postpartum.
 

Digital child health programme

For everything you need to know about your child’s development up to the age of 14.
 

Preventive digital programme

To help you prevent illnesses, working in areas such as nutrition, physical activity and the promotion of healthy habits.
 

In addition to many more programmes available via video consultation:

Pelvic floor care, psychology programme, smoking cessation, etc.

What is covered?

Primary healthcare & Emergencies

General medicine, ambulance service, Sanitas 24h, special care at home, paediatrics, nursing services and emergencies, etc. We also include a second Medical Opinion.

Hospitalisation with Private Room

Includes operating theatre and medication expenses in a conventional, individual room with a bed for your visitor. (except for Psychiatric hospitalisation).

Access to doctors and medical specialties

Dermatology, allergology, psychiatry, endocrinology, urology, cardiology, ophthalmology, gynaecology, traumatology, oncology, diet and nutrition, etc.

Surgery: Inpatient and outpatient

Childbirth preparation program and infant health program

Preventive medicine and Psychology services

Prevention of breast and cervical cancer, prevention of coronary risk and prevention of colorectal cancer. Treatment for issues such as depression, anorexia, insomnia, marriage counselling and stress.

Therapeutic Methods and Diagnostic Tests

Endoscopies, ultrasound, x-rays, mammograms, smear tests, clinical analysis and tests (including antenatal care), MRI/CAT scans, etc. Also including cancer treatments, rehab, speech therapy, radiotherapy, respiratory, etc.

Technology MRI/CAT scans

We use the most advanced technology giving precise diagnosis for the detection of tumours and other internal conditions.

Traffic/Work Accidents Addon

This coverage guarantees you health care in case you need it as a consequence of a traffic accident, work accident or professional illness. More information

Emergency care on your trips

Travel Assistance: We collaborate with Europ Assistance. Limit of 12.000 per person, per claim. More information

Dental 21 Addon

With Sanitas Dental 21 you can enjoy more than 30 free services and access to more than 170 services with discounts of up to 21%. More information

What is NOT covered?

Assistance related to

  • Practising Risky Sports

Assistance provided outside Sanitas

Assistance provided in social security centres.

Preventive medical check-ups

Pre-contract illnesses

Any health condition of the insured known prior to enrollment in the contract and assessed as not covered according to Sanitas' technical criteria.

Voluntary termination of pregnancy

Health care derived from

Drug addiction, chronic alcoholism, intoxication due to the abuse of alcohol, psychotropic drugs, narcotics or hallucinogens, attempted suicide and self-injury, illnesses or accidents caused by the insured's gross negligence or fault.

Any aesthetic or cosmetic treatment or intervention

Medicines not marketed in Spain

The following surgeries

Bariatric surgery, radiosurgery, Parkinson's surgery and robotic surgery.

We will be with you at all times

Sanitas health insurance includes a series of services that facilitate better health care and communication with the insurance company.

Videoconsultation 24h

Urgent medical care by video consultation without an appointment 24 hours.

Online transactions

Request appointments, download analyses, reimbursement requests, medical authorisations, etc., through the My Sanitas customer area.

Sanitas Welcome

24-hour telephone service to speed up procedures.

We will be with you at all times

Sanitas health insurance includes a series of services that facilitate better health care and communication with the insurance company.

Videoconsultation 24h

Urgent medical care by video consultation without an appointment 24 hours.

Online transactions

Request appointments, download analyses, etc.

Sanitas Welcome

24-hour telephone service to speed up procedures.

You can choose the modality

Sanitas Pymes Digital WITHOUT co-payment

No additional payment is required. Dental reimbursement will also be without co-payment.

Sanitas Pymes Digital WITH co-payment

The first 6 services are free of charge

Co-payments are like excesses and they are charged for each service you use. Co-payments are collected every month from your account on file.

Number of Services Co-payment Cost
From 0 to 6 services €0
From 7 to 10 services €4
From 11 to 15 services €7
More than 15 services €10
Dental Copayment €3
High frequency services.
  • Childbirth preparation
  • 10 sessions of physiotherapy
  • 30 days of oxygen therapy
  • 30 days for BPAP and CPAP
  • 15 days for aerosol
  • 15 sessions of ventilation therapy
€12
Number of ServicesCo-payment Cost
From 0 to 6 services€0
From 7 to 10 services€4
From 11 to 15 services€7
More than 15 services€10
Dental Copayment€3

High frequency services.

  • Childbirth preparation
  • 10 sessions of physiotherapy
  • 30 days of oxygen therapy
  • 30 days for BPAP and CPAP
  • 15 days for aerosol
  • 15 sessions of ventilation therapy
€12

Waitings periods

The waitings periods and pre-existing conditions vary according to the number of insureds:

From 5 to 20 policyholders From 21 to 50 policyholders From 51 to 100 policyholders
Total waiting periods No waiting periods (only childbirth) No waiting periods
Full subscription No pre-existing conditions (except serious illnesses) No pre-existing conditions
From 5 to 20 policyholdersFrom 21 to 50 policyholdersFrom 51 to 100 policyholders
Total waiting periodsNo waiting periods (only childbirth)No waiting periods
Full subscriptionNo pre-existing conditions (except serious illnesses)No pre-existing conditions
The waiting periods are the time that must pass from the time you take out the insurance until you make use of certain services. For medical visits and simple diagnostic tests, such as blood and urine tests, cytology, X-rays, etc., there are no waiting periods and you can use them from day one. Only the following diagnostic tests or complex treatments have these waiting periods:
Treatments Qualification Periods
Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial). 3 Months
Psychology 6 Months
High-tech diagnostic tests 6 Months
Childbirth or Caesarean 8 Months
Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy, and lithotripsy. 10 Months
Tubal ligation and vasectomy 10 Months
Hospitalisation and surgical interventions from Group III to VIII according to the classification of the Spanish Medical Association (Organización Médica Colegial). 10 Months
TreatmentsQualification Periods
Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial).3 Months
Psychology6 Months
High-tech diagnostic tests6 Months
Childbirth or Caesarean8 Months
Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy, and lithotripsy.10 Months
Tubal ligation and vasectomy10 Months
Hospitalisation and surgical interventions
from Group III to VIII according to the classification of the Spanish Medical Association (Organización Médica Colegial).
10 Months

Where you can access Sanitas Pymes Digital coverage

Coverage nationwide in Spain.
Emergency assistance insurance for foreign travel up to 12,000 Euros.

Coverage

EXTRA-HOSPITAL ASSISTANCE
  • Primary medicine and specialities: paediatrics, dermatology, gynaecology, etc.
  • Diagnostic tests: clinical analyses, x-rays, ultrasound scans, etc.
  • Therapeutic methods: chemotherapy, rehabilitation, physiotherapy, etc.
OTHER SERVICES AND GUARANTEES
  • Second medical opinion
  • Emergency assistance abroad (12.000€/insured/year)
  • Comprehensive customer service: by telephone (Sanitas Welcome) and online (My Sanitas)
  • Sanitas 24h for medical consultations
HOSPITAL ASSISTANCE:
    • Surgical interventions
    • Hospitalisation without limit
    • Emergencies
DENTAL 21 ADDON
  • With Sanitas Dental 21 you can enjoy more than 30 free services and access to more than 170 services with discounts of up to 21%. More information.
OTHER ADVANTAGES
  • Traffic/Work Accidents Addon
  • SPS advice programmes by telephone and chat.
  • Delivery of medicines to your home.
  • Physiotherapy at home.

While you are thinking about it, download the terms and conditions.

Do you have any questions? Find the answer you are looking for in our FAQ

Start enjoying it today by booking online:

Premiums for policies starting 01/03/2020 valid until 28/02/2021. Premiums for policies starting from 01/04/2020 valid until 31/03/2021. All premiums are subject to 0.015% Insurance Compensation Consortium tax. Maximum age to contract this policy is 75 years of age. Real time quotes will vary depending on age and the place of residence of the insured. Terms and conditions apply.
Premiums for policies starting 01/03/2020 valid until 28/02/2021. Premiums for policies starting from 01/04/2020 valid until 31/03/2021. All premiums are subject to 0.015% Insurance Compensation Consortium tax. Maximum age to contract this policy is 75 years of age. Real time quotes will vary depending on age and the place of residence of the insured. Terms and conditions apply.
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FAQ

Coronavirus COVID-19 is fully covered.

Pymes Digital includes coverage in case of an EMERGENCY due to illness or accident abroad, up to a limit of 12,000€ for medical expenses, per person and year, in case of illness or accident in any country in the world.

In order to benefit from this coverage, it is essential that the emergencies abroad are not for a period of more than three months on a continuous basis.

No, all changes must be made during contract renewal.

Yes, as long as the product contracted includes childbirth. Childbirth always requires authorisation

Sanitas Pymes Digital includes Dental 21 addon.

No.

  • Emergency assistance abroad: 12,000 €/ Insured/year, max. 90 consecutive days of travel.
  • Psychology: max. 4 consultations/month and limit of 15 sessions/Insured/year.
  • Psychiatry: max. 50 days/insured/year.
  • Podiatry: max. 12 sessions/Insured/year.
  • Ambulance: does not include transfers for physiotherapy treatments, diagnostic tests or consultation assistance.
  • Health care will only be covered for newborns as long as they are registered as a Sanitas Insured.
Treatments Qualification Periods
Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial). 3 Months
Psychology 6 Months
High-tech diagnostic tests 6 Months
Childbirth or Caesarean 8 Months
Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy, and lithotripsy. 10 Months
Tubal ligation and vasectomy 10 Months
Hospitalisation and surgical interventions
from Group III to VIII according to the classification of the Spanish Medical Association (Organización Médica Colegial).
10 Months

No, the tax levied on health insurance is the CCS.

The CCS is a health insurance tax which is paid on the first bill and is 0.15%.

With this insurance for companies, assisted reproduction is not covered, although it is accessible at special prices for being a Sanitas client.

The answer must be related to the tax advantages for the company/employee and the collective bonus (not age-related).

Nothing for now, however, we will need you to complete the application form.

  • Services are provided throughout Spain.
  • For emergency assistance abroad, services are provided all over the world.
  • The Policyholder is obliged to answer the health questionnaire truthfully so that SANITAS can make a correct assessment of the risk. In the event of falsehood or omission in this declaration, SANITAS may terminate the insurance contract.
  • The Policyholder is obliged to pay the price in the manner and within the terms agreed with SANITAS.
  • The Insured must present their SANITAS card, as well as their identity document if required when receiving the services.

The price of the insurance is annual and can be divided as agreed. This product has co-payments. Payment will be made by direct debit on the contracting party’s bank account or other forms of payment provided that they are expressly agreed in the insurance application.

The insurance contract is annual and comes into effect at 00:00 on the contracted start date. It will be automatically renewed annually, unless the policyholder or SANITAS indicates otherwise.

On the date of termination of the insurance contract, it shall be tacitly extended for successive periods of one year unless one of the parties (Sanitas or the contracting party) opposes one of these extensions by giving two months’ notice to the other party if it is Sanitas who gives the notice and one month if it is the contracting party.

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