Sanitas Primero

Health care without hospitalization

From €29.10 / Month

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.

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 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
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.
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
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:
TreatmentsWaitings 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 tests6 Months
Psychology6 Months
Childbirth or Caesarean8 Months
Complex Therapeutic Methods10 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 vasectomy10 Months
Bariatric surgery in morbid obesity60 Months
TreatmentsWaitings 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 tests6 Months
Psychology6 Months
Childbirth or Caesarean8 Months
Complex Therapeutic Methods10 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 vasectomy10 Months
Bariatric surgery in morbid obesity60 Months

Requirements

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
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 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
  • 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.
OTHER ADVANTAGES
  • Death payout protection
  • SPS advice programmes by telephone and chat.
  • 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.

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FAQ

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.

Does the Sanitas Primero plan cover antenatal care or childbirth?

Yes. The Sanitas Primero plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered but is subject to a LEVEL 2 contribution.

What are the waitings periods for the Sanitas Primero plan?
TreatmentsWaitings Periods
Ambulatory surgery3 months
High tech diagnostic tests6 months
Psychology6 months
Childbirth8 months
Hospitalisation with Surgery10 months
Sterilisation or vasectomy10 months
Bariatric surgery60 months
Are there any restrictions on coverage?
  • 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.
  • With a cost share of €1,000: Difficulty group 4 and hospitalization (with the exception of ophthalmology and traumatological arthroscopy and varicose veins of the lower limbs).
  • With a cost-sharing of €2,000: Difficulty groups 5 and 6, childbirth and cesarean section (with the exception of ophthalmology interventions and trauma arthroscopies in group 5 and varicose veins of the lower limbs).
  • With a cost share of €3,000: Difficulty groups 7 and 8.
Are there any discounts available?
Discount typeDiscount
5 or more insured on the policy3%
Bi-annual payment2%
Annual payment4%
Seniority discount (over 65 years of age and more than 25 years in the company)5%
What dental cover is included with this plan?

The Sanitas primero includes a few dental services including: cleaning once a year, consultations, X- rays and extractions.

What documents do you need from me?

You just will need to complete the application form.

Is COVID-19 covered on this policy?

Coronavirus COVID-19 is fully covered.

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.

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