Comprehensive Sanitas Health Insurance

An additional amount paid for each medical service used.

The copayment is a small additional amount that the client pays when using certain medical services, this allows us to offer a lower fee.

As we offer products that can be contracted with and without copays (with identical coverage in both cases), you can choose the product that best suits your needs. If you will be using your insurance infrequently, a copay product can be a good way to save on your premium. You can check the detail of copayments in each product sheet. These copays are billed monthly.

Service that allows you to talk to your doctor wherever you are. A great time saver and very useful for reviewing results, prescribing tests or prescriptions, emergencies…

Advantages of video consultation

• The professionals who attend by video-consultation are the same as those who attend our own centres and those of our subsidised centres.
• Saves time in travelling.
• They can prescribe a medical test or prescription directly from the video consultation.
• They can consult the results of medical tests that you share with them.
• You choose the doctor you want to connect with.
• Receive professional guidance and care from the best advisors through personalised health care and prevention programmes.

When to make a video consultation?

• Review of results: after an initial face-to-face consultation, review your test results with your doctor.
• Medication: Do you have questions about a medication?
• Medical doubts: Do you have a pain and don’t know which doctor to see? Do you need a blood test?
• Medical emergencies without having to travel.
• Treatments: you can follow your progress by video consultation.
• Recommended doctors: contact a doctor by video consultation, even outside your province.
• Health programmes: start your Nutrition, Personal Trainer, Pregnancy, Psychology, etc. programme now.

Health insurance contracts have a duration of 12 months, except for Sanitas International Students and Sanitas Estudiantes.

The insurance is automatically renewed unless the policyholder gives notice of non-renewal at least one month before the end of the contract.

Waiting periods are the time that must pass from when you take out the insurance until you make use of certain services, which are usually diagnostic tests or complex treatments. For medical visits and simple diagnostic tests, such as blood and urine tests, ultrasounds, X-rays, etc. there are no grace periods and you can use them from day one.

It is important to know the grace periods that apply to the contracted product and you can consult them in the file of each product. If you already have other health insurance and you come to Sanitas, it is possible that these periods will be eliminated. Indicate it at the time of discharge.