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Sanitas BluaU

One step further in digital medicine

From €90.52 / Month

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COVER & SERVICES

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Cover & Services
Sanitas BluaU

Without Co-Payment

This policy is suitable for residency / N.I.E. / visa.

Sanitas BluaU is a comprehensive health insurance, covering almost all physical and digital services offered by Sanitas.

  • 100% coverage with the Sanitas network of doctors and hospitals in Spain.
  • 80% coverage with doctors and clinics outside the Sanitas network in Spain and the rest of the world.
  • Videoconsultation service in all medical specialties.
  • Home services: Delivery of medicines and analysis at your home.
  • Counseling programs: Nutrition, Personal trainer, Pregnancy, psychology, etc.
  • Coverage of 50% of the cost of medicines.
  • Sanitas dental 21 coverage.
  • Coverage in the EE.UU.
  • Travel assistance coverage.

Reimbursement Medical Fees

Reimbursement 150,000 Addon + Reimbursements Pharmacy Addon

Personalised video-consultation plans

Exclusive video consultation service where our experts will help you design and implement fully digital and personalised health plans for the whole family. Digital programmes on: Nutrition, Personal Trainer, Pregnancy, Child Health, Psychology, Pelvic Floor Care, Smoking Cessation, Physiotherapy, etc.

24-hour emergencies by videoconference

If you have any medical emergency you can connect, wherever you are, with a doctor from the 24-hour emergency service via video consultation, in just a few minutes and without the need for an appointment, both for general emergencies and paediatric care.

Hospitalization

Includes operating theatre and medication expenses in a conventional, individual room with a bed for relatives.

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.

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.

COVID-19

Coronavirus COVID-19 is fully covered.

Policy Documents

Sanitas has policy documents available in English or Spanish.

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%.

Pharmacy Addon

Reimbursement of 50% of the cost of medicines prescribed by your doctor, with a limit of 200 € per client per year.

Reimbursements 150,000 Addon

You can choose the specialist of your choice, even if he/she is not on our medical list. You will be reimbursed 80% of the medical expenses, up to a total of 150,000 € per person per year.

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 send your medicines to your home from the pharmacy within a maximum of 3 hours. It also includes 50% reimbursement of medication expenses up to a limit of €200 per insured person.
 

Home analysis

We come to your home to carry out the analysis.

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

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.

Reimbursements 150,000 Addon

You can choose the specialist of your choice, even if he/she is not on our medical list. You will be reimbursed 80% of the medical expenses, up to a total of 150,000 € per person per year. More information

Pharmacy Addon

Reimbursement of 50% of the cost of medicines prescribed by your doctor, with a limit of 200 € per client per year. More information

Travel Assistance Addon

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

EE.UU. Assistance Addon

The guarantees covered will be provided in the United States through centers contracted by United Healthcare, provided that such services are previously authorized by Sanitas. More information.

Sanitas 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

  • 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 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

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 customise your insurance policy by adding optional cover

Renta Addon

Compensation while you are hospitalized
More info ->

Optical Addon

Cut your optics expenses in half.
More info ->

Accidents Addon

Feel protected when you need it most.
More info ->
View all optional health coverages

Sanitas BluaU is insurance without co-payment

Waitings periods

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:
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
Dental coverage8 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
Bariatric surgery in morbid obesity60 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
Dental coverage8 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
Bariatric surgery in morbid obesity60 Months

Requirements

Age of recruitmentMaximum age of stayDiscounts
From 0 to 64 years of ageNo maximum age limit4% annual payment discount
Age of recruitmentMaximum age of stayDiscounts
From 0 to 64 years of ageNo maximum age limit4% annual payment discount

Where you can access Sanitas BluaU coverage

Coverage nationwide in Spain.
Emergency assistance insurance for foreign travel up to 12,000 Euros.
Anywhere in the world: Medical reimbursement of expenses

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
  • U.S. coverage
HOSPITAL ASSISTANCE:
    • Surgical interventions
    • Hospitalisation without limit
DENTAL COVERAGE
  • 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.
COVERAGE REIMBURSEMENT OF MEDICAL EXPENSES
  • You can choose the specialist of your choice, even if he/she is not on our medical list. You will be reimbursed 80% of the medical expenses, up to a total of 150,000 € per person per year. More information
  • Reimbursement of 50% of the cost of medicines prescribed by your doctor, with a limit of 200 € per client per year. More information
DIGITAL BENEFITS
  • Videoconsultation with specialists, emergencies and health plans.
  • Home services: delivery of medicines from the pharmacy with reimbursement of expenses
  • Home analysis.

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

Sanitas BluaU Info
Terms & Conditions

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

Check 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.

Come to Sanitas and get bluaU + 10% discount on family packs

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FAQ

Do I have coverage abroad and what should I do in case of need?

Yes. Travel assistance or worldwide reimbursement module.

  • Sanitas BluaU 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.
  • You can choose the specialist of your choice, even if he/she is not on our medical list. You will be reimbursed 80% of the medical expenses, up to a total of 150,000 € per person per year.
I am pregnant or want to be. Does Sanitas cover it?

Yes. The Sanitas BluaU will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member. Check the waiting periods.

What documents do you need from me?

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

Does it include dental coverage?

The Sanitas BLUA plan include Dental 21 addon.

Can the customer take the analysis wherever he/she wants?

Yes, as long as the same conditions of safety, hygiene, privacy and accessibility that can be offered by an extraction in a private home are met. The laboratory will assess the suitability of the infrastructure proposed by the client.

Can I perform any type of analysis with this service?

Yes, as long as they are routine laboratory tests (hematology, biochemistry, serology, etc.) and as long as they do not require prior authorization or assessment by the company (e.g. genetic studies). Nor will the service be provided for those tests that require the subsequent presence of health personnel once the basal extraction has been performed (e.g. any provocation/stimulation test such as glucose curves, breath test, etc., or those that require materials different from those normally used for an extraction).

Does the client choose the time he/she wants to perform the analysis?

The client indicates his preference, and the schedule will be agreed between client and laboratory, and it will be the laboratory that confirms date and time according to its availability. With few exceptions, the analysis will always be done in the morning from 7:00 am to 12:00 noon.

Will the insured be able to request this service from any laboratory?

Yes, in the app and on the web we provide a list of laboratories that Sanitas has contracted in each province. However, if you decide for proximity or convenience to choose a non-contracted laboratory, you can do so as long as the laboratory provides this service at home and is legally authorized to perform the analysis. Subsequently, you may request reimbursement of expenses according to the limits of this service.

How many services are included in the home analysis?

Each insured will have 2 home analysis services per year.

Does the medication have to be delivered to the policy address?

No, the delivery of the medication may be made at the address of the insured party’s choice, which may be another address different from the one stated in the policy or even at the address of the insured party’s place of work.

How many times will you be able to request the drug delivery service?

This service may be requested up to a maximum of 6 times per insured and per year, regardless of the number of insureds included in the policy.

How long does it take to receive the medication at home?

Once the service has been requested and within 3 hours for the entire national territory, a courier service will be sent to the insured’s address within the Spanish territory. This service will always be offered under a doctor’s pharmacological prescription.

Will you have to apply for reimbursement whenever a home delivery drug is ordered?

No, they are independent services, you may request home delivery and not use the reimbursement, and you may choose on which drugs you do or do not request reimbursement.

How does the customer pay for the medication?

The customer must pay (cash or credit card) for the drug at the time of delivery.

Can the customer claim reimbursement for the cost of these drugs?

Yes, both Blua and the digital supplement are 50% reimbursed for pharmacy expenses, up to a limit of €200 per insured person per year. Medical prescription of the medication is required.

 

What happens if the customer already has a reimbursement supplement contracted?

In this case, the two pharmacy reimbursement limits will be added together and a higher reimbursement will be available.

What medications are eligible for reimbursement of blua pharmacy expenses?

All medications that meet the following requirements will be covered:

  • That they are covered by the policy.
  • That they appear as authorized and marketed in Spain on the website of the Spanish Drug Agency.
What are the waiting periods?
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
Dental coverage8 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
Bariatric surgery in morbid obesity60 Months
What are pre-existing conditions and how do they apply?

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.

Are there any restrictions on coverage?
  • Reimbursement: 80% up to 150,000 €/year/insured, in Spain and abroad; with sublimits indicated in the policy.
  • Home Analysis Reimbursement: 100% up to 60 €/year/insured, in Spain; with sublimits indicated in the policy.
  • Reimbursement Coverage USA: up to €30,000/year/Insured, in the USA; with sublimits indicated in the policy.
  • Pharmacy reimbursement: 50% up to 200 €/year/Insured, in Spain and abroad; with sublimits indicated in the policy.
  • 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.
  • Podiatry: max. 12 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.
Where am I covered?
  • Services are provided throughout Spain.
  • For emergency assistance abroad, services are provided all over the world.
  • Anywhere in the world: Medical reimbursement of expenses.
What are my obligations?
  • 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.
When and how do I have to make payments?

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.

When does coverage begin and end?

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.

How can I terminate the contract?

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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