sanitas premium 500,000 plan



The Sanitas Premium 500 is a mixed policy designed for those that need the best cover in Spain plus the ability to choose where to receive treatment abroad.

This plan covers you fully when using the Sanitas network of doctors and hospitals in Spain. When using the Sanitas network, you simply present your membership card at reception when you attend an appointment and all costs are taken care of. There are no co-payments or deductibles. If you wish to use doctors and hospitals outside of the network in Spain and internationally, then you use the reimbursement part of the policy. You may use any doctor or hospital of your choice, pay the invoice, submit your claim to us and receive 90% of the costs back. The cover provided for this purpose is 500k per person, per year.

As a member you will get exclusive benefits not found in similar policies offered by other providers including:

gtFull dental cover (Sanitas Dental).

gt50 % reimbursement for drugs or medicines prescribed by your Sanitas doctor.

gtA payment of 100 daily in case of hospitalisation: For example for help with out of pocket expenses.

gtNo co-payments and a discount in the premium for the number of people insured – 5% for over 4 people insured on the policy.  The discounts are 4% if paid in 1 annual payment and 2% for a bi-annual payment.

The Sanitas Premium 500 is also suitable if you are thinking of transferring your cover from BUPA U.K. or BUPA Global. For more information on BUPA transfers please click here.

Please note: the Sanitas Premium 500 is suitable for residency / N.I.E. or visa applications. However, if you need a "Spain only" policy for these purposes please see the Mas Salud plan.



What is covered?

  • General Medicine, Specialised Medicine, Diagnostic Tests and Surgery.
  • Primary Health Care: General Medicine, Paediatrics, Nursing Service and emergencies.
  • Access to all specialties: Orthopaedic surgery, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery and Digestive System Surgery. 
  • Diagnostic and Therapeutic Tests: Clinical Analysis, Human Pathology, Aerosol Therapy, Ventilotherapy and Chemotherapy.
  • Second medical opinion: when suffering from a serious illness such as cancer,  your diagnosis will be sent for a second opinion from top professionals.
  • ORL Laser Treatment: a more precise form of surgery which results in a faster recovery time for the patient.
  • Monofocal intraocular lens:  this treatment is available for cataract surgery (only available if the treatment has been prescribed by a specialist within the Sanitas network of doctors).
  • A comprehensive level of cover: Using our Sanitas network of professional doctors and hospitals.  There are 28,000 specialists and 527 private Sanitas Centres available throughout Spain.
  • We speak your language:  Use of our special network of doctors speaking English, German and Spanish, all of which are listed in your online medical directory. 
  • Multi-lingual client help line – you can obtain assistance in English or Spanish for any queries in relation to your Sanitas Health Policy.
  • Documents are in Spanish: the General Conditions and the Special Conditions of your policy, plus your own online account.
  • Preventative Medicine Programmes: such as the Mother & Baby Programme and the Family Planning Programme.
  • PET/CAT:  advanced technology to obtain more precise diagnosis for tumours.
  • Dental Cover:  Full dental cover is included. 40 services are included free of charge and the remainder come with a 40% discount based on standard market prices.
  • Additional health services: when you are a member of Sanitas you will have access to services such as laser excimer, aesthetic solutions, assisted reproduction or medical check-ups at very beneficial prices.  For more information call +34 952 835 600.
  • Exclusive attention from the Sanitas hospitals and centres, where you can attend consultations or undergo diagnostic tests, all in one centre and using the latest technology.
  • Service Authorisation: The consultation process is now fast and simple as it is no longer necessary to obtain authorisation for the majority of services provided by Sanitas.
  • Sanitas responds: there is a free, personalised health advice and support hotline for people with a medical condition that requires regular follow-ups or ongoing care.
  • Sanitas welcome: a 24-hour service hotline to simplify the processing of claim.
  • Travel assistance: Access to the United Health Care professional medical network when travelling in the U.S.A.  This comes with 100% cover of medical expenses as long as the service is authorised by Sanitas.
  • 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.
  • Primary Health Care: General Medicine, Paediatrics, Nursing Service and emergencies.
  • Access to all specialties: Orthopaedic surgery, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery and Digestive System Surgery. 
  • Diagnostic and Therapeutic Tests: Clinical Analysis, Human Pathology, Aerosol Therapy, Ventilotherapy and Chemotherapy.
  • Hospitalisation within our own wide range of medical centres and hospitals, all of which are equipped with state-of-the-art technology, such as La Zarzuela hospital, Sanitas La Moraleja Hospital and the Millennium Centres.  These offer both clinical excellence and specialised and personalised treatment.
  • Sanitas Responds: Free client help line, personalised for people needing special ongoing care after being hospitalised.
  • Future Fathers:  There is also help to prepare the father-to-be.

Other benefits

  • When you sign up as a Premium 500 client you'll have ease and flexibility for all your health care needs cutting out unnecessary paperwork for any services included in your policy.
  • Aesthetic solutions and assisted reproduction at very discounted prices.  Also, as a Sanitas Premium 500 member we will give you a bonus package – 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:

  • Primary Care: Family Medicine, Paediatrics, Neonatal, Mother & Baby Programme, Nursing Care.
  • Emergency Care.
  • Allergies and Immunology
  • 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

Yes. The Premium 500 plan will cover you worldwide on a 90% reimbursement basis.

No. There are no co-payments with the Premuim 500 plan.

Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Premium 500 plan. If you have declared any pre-existing medical conditions on your application for the Premium 500 plan one of our English speaking doctors will call you. From there a confidential personal assessment will be made, which will guarantee the fairest and most comprehensive assessment of your health.

Yes. The Premium 500 plan covers antenatal care and childbirth (including caesarian sections) 100% within the Sanitas network. However, waiting periods apply. If you wish to undertake your antenatal care and childbirth outside of the Sanitas network then the 90% reimbursement module kicks in

The Premium 500 plan comes bundled with full dental cover. After the policy holder has been a member for eight months he/she will be entitled to up to €400 worth of dental treatment per year on an 80% reimbursement basis. See whats covered with our full dental plan here

The waiting periods for the Premium 500 Plan policy are detailed below.

Waiting Periods
Outpatient surgery
3 months
High tech diagnostic tests
6 months
Sanitas 24 hours:
6 months
6 months
Other therapeutic methods (e.g. Chemotherapy)
6 months
8 months
8 months
Sterilisation / Vasectomy
10 months
10 months
Bariatric surgery
70 months

The above qualification periods shall not apply to accidents covered by the Policy, life-threatening diseases supervening and diagnosed after the effective date of the Policy, or cases of premature childbirth.

You can contract the Premium 500 plan up to the age of 64. There is no upper age limit for maintaining your cover, once contracted

The following discounts are available:

Payment Frequency
Annual payment
Bi-annual payment
5 or more insured on the policy


The premium 500 plan also gives its members 50% reimbursement on all prescribed medicines up to a limit of €300 per person per year.

(1) Premiums valid until 31/03/2018. all premiums vary slightly depending on the age and location of the insured. ( * ) Terms & conditions apply.