Sanitas Professionals Óptima

Exclusive coverage for the self-employed

From €34.70 / Month

Cover & Services
Sanitas Professionals Óptima

With Co-Payment

This policy is NOT suitable for residency / N.I.E. / visa.

Sanitas Professionals Óptima is identical to Sanitas Professionals but with a full co-payment.

Medical fees

100% cover of medical fees

Tax Relief

The premiums paid for healthcare insurance are tax deductible up to €500 a year. This deduction applies to both policies taken out by the self-employed worker and their direct family (spouse and children up to 26). The €500 limit is for each person.

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.

Sanitas Dental 21 Addon

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

Exclusive coverage for the self-employed

Total Protection Addon

Total coverage in case of hospitalization or temporary disability leave. More information

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

Death in case of accident

Death insurance in case of accident: funeral service and nationwide transfer up to 5.250€.

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.

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 Dental 21 you receive 30 services free including checkups, x-rays, simple extractions and yearly teeth cleaning. More information.

What is NOT covered?

Assistance related to

  • Traffic Accidents
  • Accidents at Work
  • 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 person known prior to registration in the contract and assessed as not covered in accordance with the technical criteria of Sanitas.

Voluntary termination of pregnancy

Health care arising from

Chronic alcoholism, drug addiction, intoxication due to the abuse of alcohol, psychotropic drugs, narcotics or hallucinogens, attempted suicide and self-harm, illnesses or accidents caused by the insured person'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.

Sanitas Professionals Óptima is insurance with co-payment

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 3 services €4
From 4 to 10 services €7
From 11 to 15 services €10
More than 15 services €15
Dental Copayment €3
Emergencies €8
Diagnostic tests and therapeutic methods.(Complex) €12
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
€20
Number of Services Co-payment Cost
From 0 to 3 services €4
From 4 to 10 services €7
From 11 to 15 services €10
More than 15 services €15
Dental Copayment €3
Emergencies €8
Diagnostic tests and therapeutic methods.(Complex) €12
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
€20

Waitings 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
Bariatric surgery in morbid obesity 60 Months
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
Bariatric surgery in morbid obesity 60 Months

Requirements

Age of recruitment Maximum age of stay Discounts
  • From 0-2 years of age, it will be necessary that there is at least one other insured older than 2 years of age in the policy.
  • From 3-18 years of age, they may take out individual policies as long as the policyholder is of legal age.
  • Maximum hiring age: 75 years of age
No maximum age limit 4% annual payment discount
Age of recruitmentMaximum age of stayDiscounts
  • From 0-2 years of age, it will be necessary that there is at least one other insured older than 2 years of age in the policy.
  • From 3-18 years of age, they may take out individual policies as long as the policyholder is of legal age.
  • Maximum hiring age: 75 years of age
No maximum age limit4% annual payment discount

Where you can access Sanitas Professionals Óptima 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
  • Total Protection Addon
  • Death insurance in case of accident

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.

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FAQ

Yes. The Sanitas Professionals  Óptima plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member. Check the 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
Bariatric surgery in morbid obesity 60 Months

Coronavirus COVID-19 is fully covered.

Yes. Travel assistance addon.

  • Sanitas Professionals  Óptima 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.

Pre-existing illnesses refer to pathologies prior to the date of contracting the Sanitas health insurance. Before taking out the plan, you must fill in a form, declaring these pathologies. You should then speak to one of our doctors to check the status of this pathology and carry out a complete assessment which will be included in your file.

The limit is 75 years.

Discount type Discount
Bi-annual payment 2%
Annual payment 4%

Sanitas Professionals  Óptima plan include Dental 21 addon.

No.

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

  • Emergency assistance abroad: 12.000 euros. Insured/year Maximum 90 consecutive days when travelling.
  • Psychology: Maximum 4 consultations/month and limit of 15 sessions/Insured/year.
  • Psychiatry: Maximum 50 days/Insured/year.
  • Podiatry: Maximum 12 sessions/Insured/Year.
  • Ambulance: Does not include transfers for physiotherapy treatments, diagnostic tests or attendance at consultations.
  • Health care will only be covered for newborns as long as they are registered as a Sanitas Insured.
  • 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 paid in instalments as agreed.
Payment shall be made by direct debit to the policyholder’s bank account or other methods 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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