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Sanitas Más 90.000
A very competitive reimbursement insurance
From €68.97 / Month
Coverage & Services
Sanitas Mas 90.000
You can choose it with copayment or without copayment
This policy is suitable for residency / N.I.E. / visa. (No Co-Payment)
OUR MOST COMPETITIVE REFUND INSURANCE. GO TO THE SPECIALIST YOU WANT IN ANY PART OF THE WORLD, BELONGING TO SANITAS OR NOT.
Sanitas Más 90.000 brings together in a single policy all the benefits of full medical insurance and reimbursement. In this way, you can opt for the Sanitas medical directory, or choose the doctor of your choice both in Spain and anywhere in the world with a reimbursement of 70% of the expenses up to a total amount of €90,000 per insured person per year. You can also choose between co-payment or no co-payment options.It includes Dental coverage with more than 50 free services and a discount of up to 40% on other treatments. In addition, you will be reimbursed 60%, up to a limit of €200 per insured person per year.
With or without Co-Payments
You can choose whether you want this insurance with or without co-payment. The price of the policy will vary depending on your choice.
Reimbursement Medical Fees
100% coverage of medical expenses within the Sanitas network in Spain + 70% reimbursement outside the Sanitas network in Spain + 70% reimbursement worldwide.
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: 40,000 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 Addon
Sanitas Dental is Included free with Sanitas Más 90.000 insurance and gives you access to all our dental centres and dentists in our dental network.
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.
Medical Fees
100% cover of medical fees within the network + 70% cover of medical fees (up to €90,000 per person) outside of the network in Spain and worldwide.
Sanitas Protection For Your Family
In the event of the policyholder's death, Sanitas will pay the insurance premium for 12 months.
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).
Hospitalisation Compensation
Compensation of €69 for each day of hospitalisation, up to a maximum of 90 days, provided that the expenses are not covered by Sanitas.
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
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
Drug addiction, chronic alcoholism as well as 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.
You can customise your insurance policy by adding optional cover
You can choose the modality
NO co-payment
No additional payment is required. Dental reimbursement will also be without co-payment.
WITH co-payment
Copayments are like deductibles and are charged for each service you use. Más 90.000 copays are listed below. Copayments are charged each month from your account on file.
| Treatments | Co-payment |
|---|---|
| High-frequency services: ATS, Rehabilitation, Physiotherapy, General Medicine, General Paediatrics, Childcare, Sanitas 24 hour services. | 3,50 € |
| All other services | 5 € |
| Dental | 3 € |
| Treatments | Co-payment |
|---|---|
| High-frequency services: ATS, Rehabilitation, Physiotherapy, General Medicine, General Paediatrics, Childcare, Sanitas 24 hour services. | 3,50 € |
| All other services | 5 € |
| Dental | 3 € |
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 |
| Dental coverage | 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 |
|---|---|
| Birth or caesarean section | 8 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 |
| Dental coverage | 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 |
|---|---|
| Birth or caesarean section | 8 Months |
Requirements
| Age of recruitment | Maximum age of stay | Discounts |
|---|---|---|
| From 0 to 64 years of age | No maximum age limit | 4% annual payment discount |
| Age of recruitment | Maximum age of stay | Discounts |
|---|---|---|
| From 0 to 64 years of age | No maximum age limit | 4% annual payment discount |
Where you can access Sanitas Plus 90,000 coverage
| Coverage nationwide in Spain. |
| Emergency assistance insurance for foreign travel up to 12,000 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:
|
Coverage
EXTRA-HOSPITAL ASSISTANCE
| OTHER SERVICES AND GUARANTEES
| HOSPITAL ASSISTANCE:
|
DENTAL COVERAGE
| COVERAGE REIMBURSEMENT OF MEDICAL EXPENSES
| OTHER ADVANTAGES
|
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
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