Sanitas Más Salud Plus

Más Salud with low co-payments

From €42.84 / Month

Coverage & Services
Sanitas Más Salud Plus

With low copayment

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

The Sanitas Mas Salud Plus plan is our top plan, the most requested and with co-payments.

  • 100% coverage in Spain.
  • It’s a co-pay insurance, in which the first 6 services are free of charge. Annual co-payment limit of €360 per insured per year.
  • Access to all the facilities and specialists in the Sanitas network.
  • Dental cover with access to all our Millenium dental centres.
  • For families of 3 or more, please see our Sanitas Mas Salud Familiar plan.

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.

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.

Dental 21 Addon

Includes more than 30 services and up to 21% discount on other treatments.

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

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

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

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 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

The following surgeries

Bariatric surgery, radiosurgery, Parkinson's surgery and robotic surgery.

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 Más Salud Plus is insurance with co-payment

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

Number of Services Co-payment Cost
From 0 to 6 services €0
From 7 to 10 services €4
From 11 to 15 services €7
More than 15 services €10
High frequency services.
  • 10 sessions of physiotherapy
  • 30 days of oxygen therapy
  • 30 days for BPAP and CPAP
  • 15 days for aerosol
  • 15 sessions of ventilation therapy
€12
Dental Copayment €3
Number of ServicesCo-payment Cost
From 0 to 6 services€0
From 7 to 10 services€4
From 11 to 15 services€7
More than 15 services€10

High frequency services.

  • 10 sessions of physiotherapy
  • 30 days of oxygen therapy
  • 30 days for BPAP and CPAP
  • 15 days for aerosol
  • 15 sessions of ventilation therapy
€12
Dental Copayment€3

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:
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
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
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
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

Requirements

Age of recruitment Maximum age of stay Discounts
  • From 0-2 years of age, it will be necessary that there is at least one other insured older than 2 years of age in the policy.
  • From 3-18 years of age, they may take out individual policies as long as the policyholder is of legal age.
  • Maximum hiring age: 75 years of age
No maximum age limit 4% annual payment discount
Age of recruitmentMaximum age of stayDiscounts
  • From 0-2 years of age, it will be necessary that there is at least one other insured older than 2 years of age in the policy.
  • From 3-18 years of age, they may take out individual policies as long as the policyholder is of legal age.
  • Maximum hiring age: 75 years of age
No maximum age limit4% annual payment discount

Where to access Sanitas Más Salud Plus coverage

Coverage nationwide in Spain.
Emergency assistance insurance for foreign travel up to 12,000 Euros.

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
  • 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.
OTHER ADVANTAGES
  • SPS advice programmes by telephone and chat.

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.

(1) and (2) These services do not constitute a clinical diagnosis by a medical professional. Their purpose is to improve knowledge of general wellbeing. They do not diagnose, treat, mitigate or prevent any disease, symptom, disorder or abnormal physical condition. Patients should consult a medical professional or emergency department if they believe they have a medical problem.

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FAQ

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

Yes. Travel assistance addon.

  • Sanitas Más Salud Plus 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.
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
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

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.

The Mas Salud Plus plan include Dental 21 addon.

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

Discount type Discount
Annual payment 4%
Bi-annual payment 2%
4+ Insured 10%

No discounts. In fact, there is a surcharge, if you apply for this policy individually. The surcharge is 8%.

No.

  • Emergency assistance abroad: 12,000 euros. Insured/year, Maximum 90 consecutive days of travel.
  • Psychology: Maximum 4 consultations/month and limit of 15 sessions/Insured/year.
  • Psychiatry: Maximum 50 days/insured/year and limit of 15 sessions/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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