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 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
In the event that the client comes from another insurance company (and proves it by sending the particular conditions of the policy and the last insurance receipt) the waiting periods will be reduced to:
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
In the event that the client comes from another insurance company (and proves it by sending the particular conditions of the policy and the last insurance receipt) the waiting periods will be reduced to:
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 recruitmentMaximum age of stayDiscounts
From 0 to 64 years of ageNo maximum age limit4% 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:
  • Hospital assistance up to €70,000, with the sub-limit childbirth up to €1,900.- Outpatient assistance, up to €18,000.
  • Total limit for assistance in the USA: €90.000.
  • This cover is provided under the collaboration agreement with United Healthcare and shall be void in the event of termination of this agreement.

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
HOSPITAL ASSISTANCE:
    • Surgical interventions
    • Hospitalisation without limit
DENTAL COVERAGE
  • Sanitas Dental, which includes 50 services, an average discount of 30-40% compared to the market price and 60% reimbursement up to a limit of €200 per insured person per year. (The reimbursement will only be applicable to treatments carried out by providers from the Sanitas medical directory.
COVERAGE REIMBURSEMENT OF MEDICAL EXPENSES
  • The client will be able to go to any doctor in Spain and outside Spain with a reimbursement of 70% up to a limit of €90,000 if he/she does not belong to the Sanitas medical directory.
OTHER ADVANTAGES
  • Death payout protection
  • SPS advice programmes by telephone and chat.
  • Hospitalisation allowance €69/day
  • U.S. coverage

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:

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.
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.

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FAQ

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%.

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

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.

Coronavirus COVID-19 is fully covered.

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.

You just will need to complete the application form.

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%
  • 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.
  • 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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