mas 90,000 plan

Optional Extras

Sanitas Mas 90 offers:

  • The option of keeping your doctor, even if he or she is not within the Sanitas network of doctors.
  • The option to take out a policy with or without co-payments.
  • Dental coverage included plus reimbursement of up to €200 for the treatment you need.

Sanitas has developed a whole series of additional benefits that will help you receive the most comprehensive care, the kind of care that makes a difference. 

  • With more discounts: an insurance policy that adapts to your needs with a discount of 10 percent for families of 3 or 4 insured members and a discount of 15 percent for families with more than 4 insured members.
  • You choose the doctor: with Sanitas MAS 90 you not only have access to the whole Sanitas network, but you can also visit any other healthcare centre or doctor of your choice, whether in Spain or anywhere else in the world.
  • Co-payments: You can choose whether or not you would like to make co-payments (giving you the power to adapt the price of the policy to the option you prefer).
  • Dental: You will have Sanitas Dental and access to our extensive network of centres and professionals, including more than 46 dental services and up to a 40 percent discount on all remaining treatments.  We will also reimburse up to €200 for the treatment you need.
  • Peace of mind: Have total confidence.  No matter what you choose, we guarantee that you will receive top medical care.

What is covered?

  • Sanitas have the best hospitals, medical centres and professionals in our health network:  An extensive selection of centres and doctors including the best healthcare centres and medical professionals in Spain, which you can visit freely.
  • Remain with your own doctor: If your usual doctor is not on the list of Sanitas medical centres and professionals, you can continue visiting him or her: Sanitas will pay up to 70% of the hospital and non hospital medical expenses up to €90,000 per person per year.
  • Additional benefits: As a private customer, you will enjoy additional, exclusive advantages when taking out a Sanitas MAS 90 insurance policy. 
  • Dental coverage: access to all our dental centres and dentists in our dental network.  There are 46 services included in our basic coverage and reduced prices with discounts of up to 40% for all remaining services, plus we will reimburse up to €200 euros for the treatments you need.
  • General Medicine: General Medicine, Paediatrics, Nursing Service, Emergency Service.
  • Access: Access to special medical services without having to wait: Paediatric Surgery, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery and Digestive System Surgery, Consultations, diagnostic tests and therapies, Clinical Analysis, Human Pathology, Aerosol Therapy, Ventilotherapy, Chemotherapy.
  • Access to all medical specialties: Surgery, Paediatrics, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery, Digestive System Surgery.
  • Clinical Excellence: Access to the best medical centres in Europe: Medical cover and attention in the hospital of your choice.
  • Diagnostic Tests and Therapies: Clinical analysis, Human Pathology, Aerosoltherapy, Ventilotherapy, Chemotherapy etc.
  • Second Medical Opinion: The most prestigious international professionals are within reach when you are suffering from a serious illness such as cancer.
  • Sanitas 24 hours: a client telephone and support line, manned by professional doctors, 24 hours a day, 365 days a year.
  • Emergency medical assistance when travelling abroad:  In collaboration with Europ Assistance, up to a maximum of €12,000 per person, per claim.
  • Emergency cover in the USA: Emergency medical assistance whilst travelling in the USA via our collaboration with United Health Care.
  • Psychology: Sanitas is a pioneer in incorporating Psychology in our basic cover.  Clients will receive individual treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
  • Clinical Excellence and choice: Comprehensive assistance from our own medical centres, highly equipped with state of the art technology, such as Hospital Sanitas La Zarzuela, Hospital Sanitas La Moraleja and the Millennium Centres.  In the Sanitas Centres you will receive specialised, personalised treatment.
  • Hospitalisation:  Individual Hospital rooms and a bed for a companion (except in cases of hospitalisation for psychological problems).
  • Protection for the Family:  In the event that the policy holder dies, the other beneficiaries also covered by the policy will not have to pay the premium for six months.
  • Future Fathers:  There is also help to prepare the father-to-be.
  • Sanitas 24 Hours:  With just one call you can arrange a consultation with a Medical Professional, to discuss any doubts or questions you may have regarding you or your family´s health.
  • Sanitas Welcome:  24 HOUR CLIENT HELP LINE where you can resolve any administration queries.

Other benefits

  • As a private customer you will have ease and flexibility for all your health care needs. This cuts out unnecessary paperwork for any services included in your policy.
  • Aesthetic solutions and assisted reproduction at very special prices.  Also, as a Sanitas MAS 90 member we will give you a package of exclusive benefits for health services – a €100 gift certificate, a free 4D echograph if you become pregnant through our assisted reproduction services and the maintenance fees for the preservation of umbilical cord blood stem cells.
  • Services and Specialties included:
  • Allergies
  • Clinical Analysis
  • Genetic studies
  • Anatomical Pathology
  • Anaesthetics and Resuscitation
  • Angiology and Vascular Surgery
  • Gastroenterology
  • Cardiology
  • Cardiovascular Surgery
  • Gastric Surgery
  • Oral and Maxillofacial Surgery
  • Trauma and Orthopaedic Surgery
  • Paediatric Surgery
  • Reconstructive and Plastic Surgery
  • Thoracic Surgery
  • Dermatology
  • Endocrinology and Nutrition
  • Care of the Elderly (Geriatrics)
  • Haematology and Hemotherapy
  • Internal Medicine
  • Nuclear Medicine/Radioactive Isotopes
  • PET and CAT scans
  • Nephrology
  • Pulmonology/Pneumology
  • Neurosurgery
  • Clinical Neurophysiology
  • Neurology
  • Obstetrics and Gynaecology
  • Ophthalmology
  • Medical Oncology
  • Radiotherapy
  • Oncology
  • Otolaryngology
  • Psychiatry
  • Rheumatology
  • Rehabilitation
  • Radiodiagnostics- Diagnostic Imaging
  • Urology

Other Assistance

  • Ambulance
  • Home visits
  • Maternity Clinics
  • Physiotherpy
  • Speech therapy
  • Psychology
  • Doctors, Surgeons and Consultations
  • Dentistry
  • Podiatry 
  • Ante-natal care
  • Prosthesis
  • Respiratory Medicine
  • Pain relief

Mas 90 FAQ

Network policies like the Mas 90 plan are policies that give you access to the entire Sanitas Network: With more than 40,000 medical professionals and 700 health care centers in the whole of Spain. A comprehensive national network of hospitals and centers of their own exclusivity to our customers, equipped with the most modern medical technology

With a reimbursement policy you can go to doctors or hospitals outside of the network, both in Spain and abroad and claim back the cost. The Mas 90 comes bundled with a reimbursement module giving the insured up to €90,000 worldwide reimbursement cover.

Co-payments are like excesses and they are the amount that you must pay for certain services. The Mas 90 plans comes in 2 flavours: with co-payments and without co-payments. If you opt for the Mas 90 without co-payments then you are still able to access all the services mentioned. Co-payments are settled every 3 months on your account.

Registered Nurse
General medicine
General paediatrics
Sanitas 24 Hours
All other services


Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Mas 90 plan. If you have declared any pre-existing medical conditions on your application for the Mas 90 plan one of our doctors will call you in confidence. From there a personal assessment will be made, which will guarantee the fairest and most comprehensive assessment of your health.

Waiting Period
Outpatient surgery
3 Months
High Technology Diagnostic Tests
6 Months
6 Months
6 Months
8 Months
Sterilisation / Vasectomy
10 Months
Hospitalisation with surgery
10 Months
Bariatric surgery
70 Months


For reimbursement
Waiting Period
3 Months
3 Months
Laser therapy
3 Months
Speech therapy
3 Months
Anatomical pathology
3 Months
6 Months
6 Months
Cobalt therapy
6 Months
Radioactive isotope therapy
6 Months
Linac therapy
6 Months
6 Months
Nuclear medicine
6 Months
Bone density testing
6 Months
6 Months
Digital arteriography
6 Months
Radio-Neuro surgery
6 Months
Prostate hyperthermia
6 Months
8 Months
Psychiatric hospitalisation
8 Months



Number of people insured
3 upwards
5 and upwards
Annual Payment
Bi-annual payment


The maximum contractual age is 65 years. Once the contract is in place, there is no upper age limit for the policy to remain in force.

(1) Premiums valid until 31/01/2017. all premiums vary slighlty depending on the age and location of the insured. Consultation in the General Terms and Conditions of the Mas 90 plan product detail all applicable copayments and reimbursement schedules. ( * )Terms and Conditions apply.