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Coverage & Services
Sanitas Primero
Co-Payment
This policy is NOT suitable for residency / N.I.E. / visa.
Sanitas Primero is a complete medical insurance with a very economical price with which you can have the best services of private health care: free access to specialists, diagnostic tests and more personalized attention, among others.
In case you need a surgical intervention, you will be able to perform it assuming part of such intervention, since Sanitas assumes the rest. The insured’s share of the cost of the services is divided into three levels, depending on the complexity of the intervention and the associated cost:
- No participation in expenses: Difficulty groups 0, 1, 2, 3 and group 4 and 5 ophthalmology and trauma arthroscopy procedures, and varicose veins of the lower limbs.
- With an expense participation of €1,000: Difficulty group 4 and hospitalization (except for those mentioned above).
- With an expense participation of €2,000: Difficulty groups 5 and 6, delivery and cesarean section (except for those mentioned above).
- With an expense participation of €3,000: Difficulty groups 7 and 8.
Customized Surgical Payments
With or without hospitalization. In case you need a surgical intervention, you will be able to have it done assuming only part of the cost, since Sanitas assumes the rest. The cost to be paid by the insured is divided into three levels depending on the complexity of the intervention and the associated cost.
Sanitas Protection For Your Family
In the event of the policyholder's death, Sanitas will pay the insurance premium for 12 months.
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
Sanitas Dental is Included free with Sanitas Primero 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.
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
Outpatient 100% covered. Inpatient subject to contributions towards the costs.
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 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. 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
Sanitas Primero 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 |
| Single co-payment for high-frequency services*. | €12 |
| 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 |
| Single co-payment for high-frequency services*. | €12 |
*10 sessions of physiotherapy, 30 days of oxygen therapy, BPAP and CPAP, 15 days for aerosol, 15 sessions of ventilation therapy and preparation for childbirth.
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 | Waitings Periods |
|---|---|
| Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial). | 3 Months |
| High-tech diagnostic tests | 6 Months |
| Psychology | 6 Months |
| Childbirth or Caesarean | 8 Months |
| Complex Therapeutic Methods | 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 |
| Tubal ligation and vasectomy | 10 Months |
| Bariatric surgery in morbid obesity | 60 Months |
| Treatments | Waitings Periods |
|---|---|
| Surgical interventions from Group 0 to II according to the classification of the Spanish Medical Association (Organización Médica Colegial). | 3 Months |
| High-tech diagnostic tests | 6 Months |
| Psychology | 6 Months |
| Childbirth or Caesarean | 8 Months |
| Complex Therapeutic Methods | 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 |
| Tubal ligation and vasectomy | 10 Months |
| Bariatric surgery in morbid obesity | 60 Months |
Requirements
| Age of recruitment | Maximum age of stay | Discounts |
|---|---|---|
| No maximum age limit | 4% annual payment discount |
| Age of recruitment | Maximum age of stay | Discounts |
|---|---|---|
| No maximum age limit | 4% annual payment discount |
Where you can access Sanitas Primero coverage
| Coverage nationwide in Spain. |
| Emergency assistance insurance for foreign travel up to 12,000 Euros. |
Coverage
EXTRA-HOSPITAL ASSISTANCE
| OTHER SERVICES AND GUARANTEES
| HOSPITAL ASSISTANCE:
|
DENTAL COVERAGE
| 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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