Sanitas Premium 500.000

The reimbursement insurance with the widest coverage

From €98.94 / Month

Cover & Services
Sanitas Premium 500.000

NO copayment

This policy is suitable for residency / N.I.E. / visa.

GO TO THE SPECIALIST OF YOUR CHOICE ANYWHERE IN THE WORLD, WHETHER OR NOT HE/SHE IS A MEMBER OF OUR MEDICAL TEAM..

We have designed the most comprehensive medical insurance, ready to cover any health need wherever and however you choose.

This plan covers you fully when you use the Sanitas network of doctors and hospitals in Spain. All expenses are covered.

If you wish to see a doctor, have a treatment or have to go to a hospital outside the Sanitas network in Spain or abroad, then the reimbursement part of the policy is activated. Simply pay the bill and submit a claim to receive 90% reimbursement up to a maximum of 500,000 euros per person per year.

In addition, you can benefit from more services included in this insurance, such as full dental coverage, 50% reimbursement of medication and compensation when you are hospitalised.

It is an insurance with no co-payments, no deductibles. Therefore, it is the ideal insurance if you are thinking of transferring your cover from BUPA or for residency / N.I.E. or visa applications.

Reimbursement Medical Fees

100% coverage of medical expenses within the Sanitas network in Spain + 90% reimbursement outside the Sanitas network in Spain + 90% reimbursement worldwide.

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.

Sanitas dental Addon

You will receive more than 50 free services and a discount of up to 40% on the rest of the treatments. In addition, you will be reimbursed 80%, up to a limit of €400, on all the treatments you need.

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 + 90% cover of medical fees (up to €500,000 per person) outside of the network in Spain and worldwide.

Dental Reimbursement Addon

80% reimbursement, up to a limit of 400 €, on all the treatments you need. If you wish, you can extend the coverage to a more complete one. More information.

Pharmacy Reimbursement Addon

Reimbursement of 50% of the drugs prescribed by our medical staff, with a limit of 300 € per insured and year. More information.

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 €100 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

You will have at your disposal a wide network of prestigious hospitals affiliated with Sanitas. 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 known prior to enrollment in the contract and assessed as not covered according to Sanitas' technical criteria.

Voluntary termination of pregnancy

Health care derived from

Drug addiction, chronic alcoholism, intoxication due to the abuse of alcohol, psychotropic drugs, narcotics or hallucinogens, attempted suicide and self-injury, illnesses or accidents caused by the insured'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 Premium 500,000 is an insurance with NO co-payment

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
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
TreatmentsQualification Periods
Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial).3 Months
Psychology6 Months
High-tech diagnostic tests6 Months
Childbirth or Caesarean8 Months
Dental coverage8 Months
Complex Therapeutic Methods: interventional cardiology / haemodynamics, interventional radiology, radiotherapy, chemotherapy, and lithotripsy.10 Months
Tubal ligation and vasectomy10 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 obesity60 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: 64 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: 64 years of age
No maximum age limit4% annual payment discount

Where you can access Sanitas Premium 500.000 coverage

Coverage nationwide in Spain.
Emergency assistance insurance for foreign travel up to 12,000 Euros.
Anywhere in the world: Medical reimbursement of expenses

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
  • Pharmacy coverage (50% / 300€)
  • 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
    • Emergencies
DENTAL COVERAGE
  • Sanitas Dental, which includes 50 services, an average discount of 30-40% compared to the market price and 80% reimbursement up to a limit of €400 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 90% up to a limit of €500,000 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 €100/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.
Come to Sanitas and get bluaU + 10% discount on family packs

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FAQ

Sanitas Premium 500,000 is an insurance policy that you can use anywhere in the world. Choose the doctor you want, and Sanitas reimburses you 90% up to a limit of 500.000€ per insured and year.

You can choose from more than 50,000 medical professionals and more than 4,200 medical centers nationwide.

In addition, this product has a reimbursement guarantee if you go to a center outside the Sanitas medical directory, up to the economic limit established in the product.

No.

Coronavirus COVID-19 is fully covered.

Premium 500,000 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.

In order to benefit from this coverage, it is essential that the emergencies abroad are not for a period of more than three months on a continuous basis.

Discount type Discount
Annual payment 4%
Bi-annual payment 2%
3 or more insured on the policy 5%
Seniority discount (over 65 years of age and more than 25 years in the company) 5%
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

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. Check the waiting periods. If you are outside the Sanitas network, you will have to use the 90% reimbursement module and it covers up to 3,610 euros for this type of expenses.

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 Premium 500,000 with no co-payment you are reimbursed 90%.

  • Reimbursement: 90% up to 500,000 €/year/insured, in Spain and abroad; with sublimits indicated in the policy.
  • Sanitas Dental Reimbursement: 80% up to 400 €/year/Insured, in Spain; with sublimits indicated in the policy.
  • Pharmacy reimbursement: 50% up to 300 €/year/Insured, in Spain and abroad; with sublimits indicated in the policy.
  • Emergency assistance abroad: 12,000 €/ Insured/year, max. 90 consecutive days of travel.
  • Psychology: max. 4 consultations/month and limit of 15 sessions/Insured/year.
  • Psychiatry: max. 50 days/insured/year. Podiatry: max. 12 sessions/Insured/year.
  • Podiatry: max. 12 sessions/Insured/year.
  • Ambulance: does not include transfers for physiotherapy treatments, diagnostic tests or consultation assistance.
  • Health care will only be covered for newborns as long as they are registered as a Sanitas Insured.

Includes dental reimbursement coverage: includes 50 services, with an average discount of 30-40% off market price and 80% reimbursement up to 400 €/year.

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

  • Services are provided throughout Spain through the Sanitas medical directory in the medical directory modality and anywhere in the world in the medical expense reimbursement modality.
  • 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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