Sanitas Health Plan Classic

Cover in Spain – Access hospitals in the USA

from €68.75 / Month

Cover & Services
Sanitas Health Plan Classic

Co-Payment

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

COMPLETE MEDICAL ASSISTANCE FOR EUROPEAN RESIDENTS IN SPAIN

The Sanitas Health Plan medical insurance is a range of health insurance specifically designed for foreigners residing in Spain, with which you can enjoy an exclusive medical chart and bilingual care. You will have the possibility of contracting one of the following three modalities, depending on your specific needs: Sanitas Health Plan Basic, Sanitas Health Plan Classic and Sanitas Health Plan Complete.

 

It is insurance aimed mainly at foreigners who reside in Spain. Spaniards can also hire it.

 

Sanitas Health Plan Classic is a complete health care insurance with access to all medical specialties, diagnostic tests, therapeutic methods, inpatient care, outpatient care and emergency care. This plan includes co-payments (small excesses) and it’s also suitable to transferring your cover from BUPA U.K. or BUPA Global. The services are carried out through the Sanitas medical directory (100% costs covered). Including preventive medicine (such as breast and cervical cancer prevention, coronary risk prevention and colorectal cancer prevention), childbirth preparation program and child health program.

Hospitalization

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

Choose Specialist

100% cover of medical fees. Choose from top professionals: 40,000 specialists and 700 private clinics throughout Spain. Covered: outpatient consultations, diagnostic tests and home emergency visits.

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 the policy documents 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 10,000 per person, per claim.

Sanitas Dental Addon

This is Sanitas Basic Dental Coverage. Includes checkups, X-rays, simple extractions and annual dental cleaning. If you wish, you can extend the coverage to a more complete one.

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.

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 10,000 per person, per claim. More information

Coverage in the United States

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. Coverage in the USA covers 100% of medical expenses up to the limits of the insured capital, per insured and per annuity. More information.

Dental Cover

This is Sanitas Basic Dental Coverage. Includes checkups, X-rays, simple extractions and annual dental cleaning. If you wish, you can extend the coverage to a more complete one. 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

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 Health Plan Classic is insurance with co-payment

Co-payments are like excesses and they are charged for each service you use. Sanitas Health Plan Basic co-payments are listed below. Co-payments are collected every month from your account on file.
Treatments Co-payment
Hospital admissions Hospital emergencies Emergency home visits
24 €
Sanitas 24 Hours 1 €
Physiotherapy Rehabilitation ATS
7,80 €
All other services 12 €
TreatmentsCo-payment
Hospital admissions
Hospital emergencies
Emergency home visits
24 €
Sanitas 24 Hours1 €
Physiotherapy
Rehabilitation
ATS
7,80 €
All other services12 €

Waiting periods

The waiting periods indicate the time that must elapse between the enrollment in health insurance and the possibility of using certain services. Only the following services have grace periods:

Coverage Grace periods
Hospitalisation and surgical interventions in-patient or day-care in-patient care, including childbirth assistance 8 Months
Surgical interventions on an outpatient basis 3 Months
Psychology 6 Months
High-tech diagnostic tests 6 Months
The following Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy and lithotripsy 6 Months
Vasectomy and tubal ligation 8 Months
Bariatric surgery in morbid obesity 60 Months
If at the time of coming to Sanitas you had at least 1 year in a health policy from another company in Spain, you can reduce and even eliminate the grace periods of your new policy. The grace periods will be reduced to:
Coverage Grace periods
Childbirth assistance 8 Months
Bariatric surgery in morbid obesity 60 Months
CoverageGrace periods
Hospitalisation and surgical interventions
in-patient or day-care in-patient care, including childbirth assistance
8 Months
Surgical interventions on an outpatient basis3 Months
Psychology6 Months
High-tech diagnostic tests6 Months
The following Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy and lithotripsy6 Months
Vasectomy and tubal ligation8 Months
Bariatric surgery in morbid obesity60 Months

If at the time of coming to Sanitas you had at least 1 year in a health policy from another company in Spain, you can reduce and even eliminate the grace periods of your new policy. The grace periods will be reduced to:

CoverageGrace periods
Childbirth assistance8 Months
Bariatric surgery in morbid obesity60 Months

Requirements

Age of recruitment Maximum age of stay Discounts
From 0 to 75 years of age No maximum age limit 4% annual payment discount
Age of recruitmentMaximum age of stayDiscounts
From 0 to 75 years of ageNo maximum age limit4% annual payment discount

Where you can access the Sanitas Health Plan Classic coverages

Nationwide coverage in Spain.
Emergency assistance insurance for foreign travel up to 10,000 Euros.

Coverage in the USA:
The guarantees covered by this policy may be provided to the insured in the United States through the centers arranged by United Healthcare, provided that such services are previously authorized by Sanitas, which will manage and process the services covered by this policy.

Coverage in the U.S.A. covers 100% of medical expenses up to the limits of insured capital, per insured and per annuity indicated below:

– Hospital assistance up to €24,000, with the sub-limit childbirth up to €1,500.

– Outpatient assistance, up to 6,000 €.

– Total limit for assistance in the USA: 30.000 €.

This cover is provided under the collaboration agreement with United Healthcare and shall be void in the event of termination of this agreement.

Coverages

Primary medicine (General medicine, paediatrics, ATS, emergency services). Specialists: All medical specialities.
Diagnostic tests and therapeutic methods: as a general rule, all those that do not involve hospitalization or surgical interventions of any kind are covered, and prostheses of any nature are also excluded. Hospitalisation
Second medical opinion: We process with reference specialists worldwide. Nuclear Medicine: The new PET-CT nuclear medicine device provides higher resolution and diagnostic accuracy.
Noninvasive CT coronary angiography: Latest technology that allows to assess the state of the coronary arteries avoiding the use of more invasive techniques. Laser/radiofrequency ENT: High precision surgical techniques that allow a faster recovery in otorhinolaryngology procedures.
Otoemissions: Early diagnosis of deafness in newborns, including during hospital stay. Monofocal intraocular lens for cataract surgery: Provided that the service is prescribed and performed by a Sanitas physician.
Dental Supplement: Possibility of hiring an optional dental supplement.

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:

The Premiums are valid during the first contractual annuity for new registrations of new policies with an effective date between 04/01/2020 and 12/31/2021. All premiums are subject to 0.015% Insurance Compensation Consortium tax. The insurance contract is annual and will be renewed by successive annuities unless one of the parties indicates otherwise in the terms established in the policy. Real time quotes will vary depending on age and the place of residence of the insured.

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

Choose the cover that suits you best

SANITAS HEALTH PLAN BASIC

Access to healthcare in Spain with the Sanitas network

SANITAS HEALTH PLAN CLASSIC

Access to healthcare in Spain with the Sanitas network

Coverage in the USA: Access to prestigious hospitals in the USA

SANITAS HEALTH PLAN COMPLETE

Access to healthcare in Spain with the Sanitas network

Coverage in the USA: Access to prestigious hospitals in the USA

Second European country: 100% reimbursement

Outside the Sanitas Network in Spain: 90% reimbursement

Choose the cover that suits you best

SANITAS HEALTH PLAN BASIC

Access to healthcare in Spain with the Sanitas network

SANITAS HEALTH PLAN CLASSIC

Access to healthcare in Spain with the Sanitas network

Coverage in the USA: Access to prestigious hospitals in the USA

SANITAS HEALTH PLAN COMPLETE

Access to healthcare in Spain with the Sanitas network

Coverage in the USA: Access to prestigious hospitals in the USA

Second European country: 100% reimbursement

Outside the Sanitas Network in Spain: 90% reimbursement

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FAQ

You can use it in Spain, EE.UU and during a vacation trip in case of emergency up to a maximum of 12,000 euros.

Co-payments are like excesses and they are charged for each service you use. Sanitas Health Plan Basic co-payments are listed below. Co-payments are collected every month from your account on file.

Treatments Co-payment
Hospitalisation, Home emergencies and Hospital emergencies: 24€
Sanitas 24 hours: 1€
Physiotherapy, Rehabilitation and Nursing: 7.80€
All other services: 12€

Yes, you must fill out the form with all your previous and current pathologies. On the form it is referred to as “your pre-existing conditions.” If you have declared any previous or current pathology, one of our doctors will call you confidentially. The doctor will make a fair and complete assessment.

The grace periods indicate the time that must elapse between the enrollment in health insurance and the possibility of using certain services. Check the Grace Periods area on this page.

Yes. The Sanitas Health Plan Classic will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.

Coronavirus COVID-19 is fully covered. 

Contract age from 0 to 75 years. There is a higher premium after age 65. There is no upper age limit for coverage once contracted. There is no contractual age limit or joining fee if you are tranferring from BUPA U.K. or BUPA Global.

Payment Frequency Discount
Annual payment
4%

The dental insurance that is included in the Sanitas Health Plan Classic insurance includes some services, but it is the basic option. If you want to include more services, you should expand the coverage with Sanitas Dental, Sanitas Dental 21, Sanitas Dental Milenium or Sanitas Dental Premium. Basic services included: cleaning once a year, consultations, X-rays and extractions.

Yes.

You just will need to complete the application form.

  • Emergency assistance abroad: 10,000 euros. Insured/Injury Maximum 90 consecutive days in travel.
  • 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.
  • This product has waiting periods: Time that has to elapse between being registered in the medical insurance and the possibility of requesting the use of certain services. Check Grace Periods area on this page.
  • 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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