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▷ Health Insurance ⭐

“Without a doubt, the best. Very friendly and punctual on the call. They gave me accurate information about health insurance. Thank you so much! ”

Jose Muñoz Blanco

“They called me at the time I requested, great service, the health insurance enrollment was easy, and at a price lower than what I’m currently paying. ”

Alba Navarro Pérez

Sanitas Health Insurance Spain

Sanitas Seguros España was founded in 1954 and after more than 60 years of experience, it has become a leading health and wellness company throughout Spain. Currently, it offers products and services that adapt to the real health needs of those who require them. All of this is under a unique health model that includes excellent health insurance services, medical and dental care, and even care for the elderly. Thus, today Sanitas is a leader in health insurance, where its best product is the Sanitas Health Insurance Spain.

Sanitas Seguros is an insurance company with several commercial offices nationwide, each providing excellent customer service. Its Sanitas Health Insurance Spain policy is one of its best offerings, providing great benefits to its clients. This undoubtedly makes Sanitas Health Insurance Spain one of the best in the field throughout Spain and is therefore regarded as a high-quality insurance.

Likewise, with the Sanitas Spain medical network, you have everything necessary for good and timely care. Medical services and specialized health centers stand out here. Therefore, Sanitas clients enjoy the best Sanitas healthcare.

Sanitas Spain offers Sanitas Funeral Insurance, Sanitas Dental, Sanitas Health, Sanitas Home, Sanitas Life, and much more.

What Does Sanitas Health Insurance Spain Cover?

By contracting the Sanitas Health Insurance Spain, you will have access to a health service of excellent quality, something you need to protect the well-being of your family. That is why with Sanitas you have everything you need regarding your health and that of your loved ones.

As is known, public healthcare in Spain is a highly saturated system that leads to long waiting times, sometimes lasting many months. This even affects the health of patients who urgently need care. Therefore, it is very important that with Sanitas you have the protection it offers both in its health insurance policy and the Sanitas Spain medical network.

Given this situation, many seek to contract Sanitas as their trusted insurer, but: What Does Sanitas Health Insurance Spain Cover? Well, the Sanitas Health Insurance Spain offers many benefits, where both you and your family will have timely protection for your health. Sanitas offers up to 11 plans: Sanitas Más Salud, Sanitas Más Salud Plus, Sanitas Más Salud Óptima, Sanitas families without copayment, Sanitas Más Salud Familias Plus, Sanitas Primero, Sanitas Básico, Sanitas Básico Digital, Sanitas Estudiantes, Sanitas Prémium 500.000, Sanitas Más 90.000. All of these adapt to any requirement, so you feel protected.

With Sanitas Básico you have insurance aimed at individuals with all the advantages of private healthcare at an affordable price. It covers Primary care, Access to all medical specialties, Diagnostic tests, Simple therapeutic methods.

Sanitas Básico digital is a product with a very competitive price that will allow you access to private healthcare from day one. It covers Primary care, Access to all medical specialties, Simple diagnostic tests, Simple therapeutic methods.

With Sanitas Más Salud you have a complete and quality health assistance insurance, with access to the entire Sanitas medical network. It covers: Primary care, General medicine, Pediatrics, Nursing services, Emergencies, Access to all medical specialties, Diagnostic tests, Surgical interventions, Hospitalization, Dental coverage, Second medical opinion, and more.

Sanitas Más Salud Plus is a quality insurance with a progressive copayment structure, where you pay nothing for the first 6 services. It covers Primary care, General medicine, Pediatrics, Nursing services, Emergencies, Access to all medical specialties, Diagnostic tests, Therapeutic methods, Surgical interventions, Hospitalization, Dental coverage, Second medical opinion, and more.

With Sanitas Más Salud Óptima you have a tailored insurance with the most economical premium and an accessible copayment structure. It covers: Primary care, General medicine, Pediatrics, Nursing services, Emergencies, Access to all medical specialties, Diagnostic tests, Surgical interventions, Hospitalization, Dental coverage, Second medical opinion, and more.

Sanitas families without copayment is a product with a medical network and complete healthcare assistance, with access to all medical specialties and hospitalization. It also covers Primary care, Access to all medical specialties, Diagnostic tests, Therapeutic methods, Surgical interventions with or without hospital admission, Hospitalization, and more.

With Sanitas Más Salud Familias Plus you have insurance designed for the whole family, including Primary care, Access to all medical specialties, Diagnostic tests, Therapeutic methods, Surgical interventions with or without hospital admission, Hospitalization, Psychology and Speech Therapy, Family assistance, and more.

Sanitas Primero is a policy offering beneficiaries medical assistance without hospital admission. It also covers Primary care, Access to all medical specialties, Diagnostic tests, Therapeutic methods, and Ambulatory surgical interventions.

Sanitas estudiantes: is a specific product for young people aged from 10 to 35 who will study outside Spain. It covers Medical, surgical, pharmaceutical expenses arising from hospitalization and hospitalization abroad, Urgent transfer or repatriation of injured and sick persons, medication delivery, and much more.

Sanitas Más 90.000 offers all the advantages of medical network and reimbursement insurance. It covers Primary care, Access to all medical specialties, Diagnostic tests, Therapeutic methods, Surgical interventions, Dental coverage, Coverage in the U.S., and more.

Sanitas Prémium 500.000 is a reimbursement policy with greater coverage, broad financial limits, and new coverages. It offers Primary care, Access to all medical specialties without restrictions, Diagnostic tests, Therapeutic methods, Surgical interventions, Coverage in the U.S., Dental coverage, Pharmacy coverage, and more.

Conditions to Contract Sanitas Health Insurance Spain

When you get Sanitas Health Insurance Spain, you will have everything essential in terms of health. This is undoubtedly necessary if you are the foundation of your family group. Now, to contract it, there are some conditions, but what conditions are established when contracting Sanitas Health Insurance Spain? Let’s see:

• To contract Sanitas Health Insurance Spain, you only need to fill out our form at the beginning of the article. Afterwards, any of our agents will take note of your details and will call you to verify the information you requested. Then, you will be called again to complete a questionnaire by phone. It is important to highlight that our agents can advise you throughout the entire contracting process.
• If your age is between 18 and 64 years, you can contract Sanitas Health Insurance.
• You will be asked for information about your health status.
• You must indicate your occupation.
• You must inform where your residence is located. If you are a Spanish resident, you can acquire Sanitas Health Insurance.

What documentation do I need to contract Sanitas Health Insurance Spain?

It is necessary to know that to get Sanitas Health Insurance Spain, you must provide some documents that justify your health condition. All these documents and requirements are essential for Sanitas and must be submitted before signing the health insurance policy. But: What documentation do I need to contract Sanitas Health Insurance Spain? Let’s see:

1. Fill out the health questionnaire. By completing the health questionnaire, Sanitas can determine if the person contracting the insurance suffers from any chronic or preexisting illness, as well as any habits such as smoking or alcohol consumption.
2. Full name. It is necessary to provide both the first and last names of the person who wants to get Sanitas Health Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the insurance holder. Any of these documents can be submitted for the process of Sanitas Health Insurance Spain, but they must be fully valid. Therefore, if they are expired, they will not be accepted.
4. Have a bank account in Spain.
5. Provide the residence address. In this case, Sanitas requires this data in order to calculate the health insurance premium. Therefore, it is important to provide this information when requesting to contract Sanitas Health Insurance Spain.

What factors influence the price of Sanitas Health Insurance Spain?

When you have Sanitas Health Insurance and healthcare assistance, you will receive timely care. This applies both to you and to the beneficiaries included in the policy. Now then: What factors influence the price of Sanitas Health Insurance Spain so that you can get one? Let’s see:

Does coverage or guarantees affect the price when contracting Sanitas Health Insurance Spain? Yes, it does. Generally, there are basic health insurance products where medical assistance is available, but hospitalization and surgeries are not covered. These products usually have more affordable prices. On the other hand, the more expensive insurance plans are the more comprehensive ones, as they cover medical visits, tests and treatments, surgeries, and all types of hospitalization.

Does age affect contracting Sanitas Health Insurance Spain? It really does. As is well known, the factor that most influences risk assessment is age. The older you are, the higher the chances of having illnesses. Similarly, the premium may be higher if the beneficiaries are very young, such as babies, because younger children often require more urgent care and more frequent check-ups.

Is it important to be in good health to contract Sanitas Health Insurance Spain? Yes, it is essential to have good health and to complete a medical questionnaire to contract Sanitas health insurance. This verifies the health status of the applicant, regardless of age. This process creates a medical history specifying any previous illnesses, surgeries, treatments, among others.

Does having a medical network or reimbursement option affect the price of Sanitas Health Insurance Spain? Yes, it does. In a health insurance with a medical network, the insurer offers its network of professionals and medical centers to its insured without additional payment. On the other hand, with a reimbursement policy, the insured can choose any center or doctor outside the insurer’s network. In this case, the insured pays the bill and later manages reimbursement with the insurer.

Does place of residence affect the price of the Sanitas Health Insurance policy? Yes, it does, because insurers typically consider this factor when determining the insurance premium. This is due to healthcare costs usually varying between provinces.

Does having copayments in Sanitas Health Insurance Spain affect the price? Yes, in the copayment modality, users pay a certain amount to use specific medical services. Insurers offer health products with copayments to reduce insurance costs. Therefore, the higher the copayment, the lower the insurance cost. In short, yes, it affects the price.

Can the number of insured persons affect the cost of Sanitas Health Insurance Spain? Yes, it can, although many insurers offer discounts for adding insured persons. This is common in policies designed with coverages and services for all family members. In other cases, policies are simply more expensive. Therefore, yes, it affects the price.

How can I cancel my Sanitas Spain health insurance?

For various reasons, people often find themselves in the unfortunate position of needing to cancel the health insurance they have taken out. But, how can I cancel my Sanitas Spain health insurance? We can tell you that canceling the health insurance is a very simple process. Let’s see:

The Sanitas Spain health insurance contract lasts 12 months, but this doesn’t only apply to Sanitas—all health insurance companies follow the same rules. For this reason, Spanish health insurance law states that to cancel your Sanitas Spain health insurance, you simply need to notify Sanitas at least one month before the end of the contract year.

For example: if your Sanitas Spain health policy (or a policy with any other health insurer) ends on December 31, you only need to inform the insurance company of your decision not to renew before November 30.

What is the waiting period for Sanitas Spain health insurance?

There are many advantages you’ll get if you take out health insurance with Sanitas Spain’s medical care services. This is undoubtedly a benefit for its clients, which is why many people choose it as their best option. However, when you take out this health policy, you should know that it has certain waiting periods that must be observed and are important to understand.

A waiting period in health insurance is the amount of time you must wait before you can use certain services or coverage. For this reason, it’s very important to know: What is the waiting period for Sanitas Spain health insurance? before signing up. Let’s see:

A waiting period is the initial period of time during which any illnesses diagnosed in the insured person will not be covered. Generally, this lasts 30 days for minor illnesses and up to 90 days for more complex conditions from the date the health insurance is contracted. This excludes most accidental emergencies. The exact length will depend on the type of health insurance you choose, as well as the medical care you require.

Furthermore, you should know that waiting periods in health insurance also serve as a safeguard for insurers. These periods ensure that a customer does not take out health insurance solely to cover a specific need and then cancel the contract once that need has been met.

What exclusions does Sanitas Spain health insurance have?

In health insurance, exclusions are the events or situations not covered by the contracted policies, and these can vary. Because there can be many different exclusions, it is important to know: What exclusions does Sanitas Spain health insurance have? Here are the most important ones:

• Cosmetic surgery, meaning plastic surgery of a reconstructive nature and refractive surgery such as for myopia, hyperopia, and astigmatism are excluded.
• The cost and price of pharmaceutical products, except those administered during hospitalization, such as medications used in chemotherapy. Medicines not authorized in Spain are also not covered.
• Hospitalization for social reasons, such as in the case of patients with functional deterioration, chronic illnesses, or conditions related to aging.
• Medical care for pre-existing illnesses or injuries, or for after-effects from an accident that occurred before the insurance was taken out.
• Transplants, except for bone marrow and cornea transplants.
• Voluntary termination of pregnancy. This also includes assistance for home births or births through certain alternative methods.
• Medical care for illnesses, accidents, malformations, injuries, or defects resulting from terrorist acts, armed conflicts, nuclear radiation, sports practice, work-related or professional accidents, traffic accidents, among others.
• Medical care for conditions resulting from negligence due to drug addiction, self-inflicted injuries, alcoholism, use of narcotics, attempted suicide, among others.

Can I take out Sanitas health insurance if I have a serious illness?

In general, one of the most common questions from people applying for Sanitas health insurance is: Can I take out Sanitas Spain health insurance if I have a serious illness? Among the factors that may prevent you from obtaining the health insurance and access to the Sanitas medical network are serious illnesses.

Insurance companies generally do not issue policies if the applicant has any type of pre-existing condition or illness prior to taking out the insurance. To confirm this, applicants must complete a health questionnaire in which they state any illnesses they have. They must also indicate any injuries or surgical procedures they have undergone that have left after-effects. Using this information, the insurer assesses the risk posed by the applicant and decides whether the policy can be issued.

Unfortunately, many people—knowing that if they have a serious or pre-existing illness they will not be able to obtain health or life insurance—provide false information in order to get coverage.

In such cases, and due to the high risk for insurers when applicants lie to obtain a policy, Article 10 of Law 50/1980 of October 8, on Insurance Contracts in Spain states: the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire, particularly when omitting a serious pre-existing illness.

However, if someone wishing to take out health insurance has previously had a serious illness, they may still be able to obtain Sanitas Spain health insurance only if they have fully recovered from the illness and do not suffer from serious after-effects. In such cases, their current health condition must be verified beforehand.

Sanitas Health Insurance

Main Coverages of Sanitas Health Insurance