Menu
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
Start enjoying it today by booking online:
Premium with co-payment from €68.97
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.
Premium without copayment from €82.52
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
Do you want to talk?
Please contact us if there's any questions:
FAQ
what does reimbursement policy mean?
A reimbursement policy allows you to go to doctors or hospitals outside the Sanitas network, both in Spain and abroad, and claim your costs. In the case of Sanitas plus 90,000 with no co-payment you are reimbursed 70%.
What are the waiting periods?
Treatments | Qualification Periods |
---|---|
Outpatient surgery | 3 Months |
High Technology Diagnostic Tests | 6 Months |
Psychology | 6 Months |
Childbirth | 8 Months |
Dental coverage | 8 Months |
Complex Therapeutic Methods | 10 Months |
Tubal ligation / Vasectomy | 10 Months |
Hospitalisation and surgery | 10 Months |
Bariatric surgery | 60 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.
Is COVID-19 covered on this policy?
Coronavirus COVID-19 is fully covered.
I am pregnant or want to be. Does Sanitas cover it?
Yes. The Sanitas Mas 90 will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
What documents do I need to provide to register the policy?
You just will need to complete the application form.
Are there any discounts?
Number of people insured | Discount |
---|---|
3 or 4 insured | 10% |
5 and upwards | 15% |
Annual Payment | 4% |
Bi-annual payment | 2% |
Seniority discount (over 65 years of age and more than 25 years in the company) | 5% |
Are there any restrictions on coverage?
- Reimbursement: 70% up to €90,000/year/Insured, in Spain and abroad; with sublimits indicated in the policy.
- Reimbursement Sanitas Dental: 60% up to 200 €/year/Insured, in Spain; with sublimits indicated in the policy.
- 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.
Where am I covered?
- Services are provided throughout Spain.
- For emergency assistance abroad, services are provided all over the world.
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.