sanitas mas salud plan


Optional Extras

The Sanitas Mas Salud is our most popular plan providing you with 100% cover in Spain and access to all the facilities and specialists within the Sanitas network. It also comes bundled with dental cover (Dental 21) giving you access to all of our Millennium dental centres plus all the regular centres within the Sanitas network. This plan is available with co-payments (Mas Salud Optima) OR without co-payments (Mas Salud without co-payments) and you may choose additional services as part of your cover.

Sanitas Mas Salud has low premium levels compared to the overall level of cover provided and compared to other Sanitas policies. This is because certain high cost treatments have been excluded from the policy to make it more economical, while still providing very extensive cover.

Right now you get up to 14% off your insurance with us (families of 4 or more insured). Get an instant quote and take advantage now with our low premiums!

Please note: The Mas Salud without co-payments plan is suitable for residency / N.I.E. or visa applications. The Mas Salud Optima is NOT suitable for these purposes.


What is covered?

  • Primary care (equivalent to GP services), including paediatrics, nursing and emergencies.
  • Hospitalisation with or without surgery.
  • Outpatient surgery.
  • Access to all medical specialties.
  • Dental 21, giving you a strong foundation of cover for those precious teeth.
  • Diagnostic tests and therapies.
  • Surgery.
  • Access to the latest technology including PET and CAT scans.
  • Minimally invasive cardiac testing and laser surgery.
  • Psychology services.
  • Antenatal care plus a programme for new fathers.
  • Access to specialist units providing diagnostics for genetic conditions.
  • A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).


  • Sanitas Respond: There is a free, personalised health advice and suppport hotline if you have a medical condition that requires regular followups or ongoing care.
  • Sanitas Welcome: 24 HOUR CLIENT HELP LINE where you can resolve any administration queries.
  • 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.
  • Emergency overseas travel assistance: In collaboration with Europ Assistance, up to a maximum of €12,000 per person, per claim.
  • Second medical opinion: The most prestigious international professionals are within reach when you are suffering from a serious illness such as cancer.

No. The Mas Salud plan will only cover you inside of Spain and its Islands

Co-payments are like excesses and they are the amount that you must pay for certain services. The Mas Salud plan comes in 3 flavours: with co-payments (Mas Salud Plus & Mas Salud Optima) and without co-payments (Mas Salud without co-payments). Co-payments are settled every 3 months on your account. The following illustration below details the co-payments for the Mas Salud Plus and the Mas Salud Optima plan.

Services used
Mas Salud Plus Co-payments

Services used
Mas Salud Optima Co-payments

In instances where you require a course of services these are charged at special rates with a one off payment. These include:

  • Physiotherapy (10 treatment sessions)
  • Oxygen Therapy (30 days)
  • Aerosol Therapy (15 days)
  • Ventilotherapy (15 days)
  • Antenatal Care

    Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Mas Salud plan. If you have declared any pre-existing medical conditions on your application for the Mas Salud 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.

    Yes. The Mas Salud covers antenatal care and childbirth. However, the member must not have become pregnant before the policy begins.

    The Mas Salud plan comes bundled with Dental 21. For more details on this policy please click here

    The waiting periods for the Mas Salud plan are illustrated below:

    Waiting Periods
    All vital emergencies
    Ambulatory surgery
    3 months
    6 months
    6 months
    Cobalt therapy
    6 months
    Radioactive Isotope therapy
    6 months
    MRI scans
    6 months
    Nuclear medicine
    6 months
    Radio Neuro surgery
    6 months
    Bone Densitotherapy
    6 months
    6 months
    High tech diagnostic tests
    6 months
    Temporary incapacity
    8 months
    Hospitalisation (inpatients)
    10 months
    Hospitalisation (day patients)
    10 months
    Hospitalisation (childbirth)
    8 months
    Bariatric surgery
    70 months


    Initially you may contract this policy up to age 74. There is no upper age limit to remain covered, once contracted.

    For all members that are 75+ years of age a one-off joining fee applies and a medical report to be issued by your current G.P. is required.

    Discount type
    Annual payment
    Bi-annual payment
    4+ Insured


    No. However there is a surcharge if you are applying singularly for this policy. The current surcharge is 8% and will be included in the quote.

    All our network policies come with additional options so that you can customize your policy

    With Sanitas Mas Salud and all our network policies there is the option to choose additional services for a small extra premium to give a more comprehensive level of cover which is personalised to you and your family as follows:

  • Worldwide Reimbursement option: Gives you 80% reimbursement for your medical bills up to a limit of €150,000 worldwide.
  • Temporary Incapacity Cover: The option to receive a daily subsidy when the policy holder is temporarily unable to work due to ill health (from 16-64 years)
  • Work related and traffic accidents: Cover in emergency situations.
  • Sanitas Subsidy: Sanitas will pay an indemnity for each day that the insured is hospitalised.
  • Pharmacy cover: Providing 50% reimbursement of the total cost of drugs and medicines prescribed for your treatment by Sanitas and for assistance with said treatment. (Limit €200 per person, per year).
  • Sanitas Sport: Access to the top specialists in Sports Medicine, including treatment and prevention of lesions, rehabilitation and medical checkups for all professional sports.
  • Cover in the USA: Receive complete medical assistance while in the USA. (with pre-authorization and recommendation from Sanitas whilst in Spain with a limit of €30,000.
  • Telephone advice programmes: Assistance programmes including psychology, nutrition, quitting smoking and prevention of age-related dementia.
  • (1) Premiums valid until 31/03/2018. all premiums vary slightly depending on the age and location of the insured. Consultation in the General Terms and Conditions of the Mas Salud plan product detail all applicable copayments and reimbursement schedules. ( * ) Terms and Conditions Apply