SANITAS HEALTHPLAN

Private health insurance allows you to have peace of mind that your healthcare needs will be taken care of in an efficient and timely manner and protects against unforeseen events.

But what are the advantages of having health insurance?

Extensive medical network: Access to a huge range of GPs and specialists throughout the network. As well as contracted providers, Sanitas owns many specialised centres and clinics.

Rapid care and diagnoses: In most cases you can go directly to a specialist without having to obtain a referral from a GP first. This saves on additional appointments and means that you receive your diagnosis and treatment as quickly as possible.

Free choice of doctor: within the extensive medical network, our policies allow you to choose the professional that you want to use.

Shorter waiting lists: Private clinics and hospitals have less pressure on their time and resources so waiting times to see doctors or specialists or to undergo diagnostic tests or surgery are minimal.

Flexible schedules: With private facilities you can choose appointments at a time that suits you and your lifestyle.

Second medical opinion: In the case of a serious illness you have the option to seek a second medical opinion with regard to your treatment.

Comfortable hospitalisation, for you and your family. You are provided with a single room when hospitalised and in many cases, arrangements can be made for a relative to stay with you.

Additional options: Tailor your policy to your personal requirements by choosing from our extensive range of extra cover options.

Dental Insurance: Many of our plans include dental cover or you can add dental cover to your policy if it is not included. This can save you up to 40% on dental treatments.

Alternative Medicine: Sanitas health insurance now offers the option to include alternative medicine treatments that are not offered in the public health system, such as acupuncture or homeopathy.

Tax advantages for companies: if health insurance is contracted for employees, these costs can be offset via your company´s corporate tax return.

The following Sanitas health insurance plans are available, fill in the calculate quote form to find which plan is suited to you:

• Sanitas Accede
• Sanitas Professional
• Sanitas Professional Plus
• Sanitas Avanza
• Sanitas Mas Salud
• Sanitas Mas Salud Optima
• Sanitas Mas Salud Plus
• Sanitas Mas Salud Family
• Sanitas Mas 90
• Sanitas Mas 90 Plus
• Sanitas BLUA
• Sanitas Premium 500
• Healthplan Complete
• Sanitas Mundi 1 Million
• Sanitas Students

The following health plans are suitable for residency, visa and NIE applications or renewals:

• Sanitas Students*
• Sanitas Mas Salud
• Sanitas Professional**
• Sanitas Mas 90
• Sanitas Premium 500
• HealthPlan Complete
• Sanitas Mundi 1 Million

* You must be under the age of 35 and accredited by a Spanish university or college to purchase this plan.

** You must be self-employed (Autonomo) and paying social security in Spain to purchase this plan.

We have the following health insurance plans available for businesses:

• Healthplan Pymes Inicia
• Sanitas Pymes Digital
• Sanitas Corporate

The cost of private medical insurance varies according to several factors:

Age: Generally, the greater the age of the insured, the higher the premium. Babies and toddlers may also have slightly higher premiums as they are more likely to need to use services than slightly older children.

Location: The location where you are based in Spain affects the premium charged.

The type of coverage: The price also depends on the type of cover that you choose: For example, a policy which only covers visits to doctors and diagnostic tests will have lower premiums than a policy which includes hospital treatment and surgery, since hospitalisation and surgical procedures are more complex and therefore higher in cost. Similarly, if you choose cover in Spain only, the premiums will be lower than if you include international cover.

Co-payments: Co-payments are the same as "excesses" which are charged each time you use a service. If you choose a policy with co-payments then your premiums will be slightly lower than a policy without co-payments (without excesses).

Reimbursement policies: Another aspect that affects premiums is if you decide to use any doctor or hospital of your choice rather than having to use the Sanitas network in Spain. In these circumstances you pay the cost of the services at the time of treatment and then claim back a fixed percentage of the cost from your insurer. This type of insurance has a higher premium than a network policy. The following plans include reimbursement cover:

Sanitas Mas 90 + Sanitas Mas 90 Plus (70% reimbursement outside the network + worldwide).

HealthPlan Complete (90-*100% reimbursement outside the network in Spain + 1 other European country).

Sanitas Premium 500 (90% reimbursement outside the network + worldwide).

Sanitas Mundi 1 Million (**80-90% reimbursement outside the network + worldwide).

*100% - if using the services of BUPA in the United Kingdom and its islands.

**80% outpatient / 90% inpatient.

All vital emergencies are covered immediately.  This includes issues such as broken bones, not just life-threatening situations such as a heart attack for example.  From day 1 of the policy you are also covered to see a general doctor or specialist for routine diagnostic tests and also for outpatient emergencies.

There are no qualification periods applicable to dental care or travel assistance.  We do not offer policies without qualification periods unless you are transferring your cover from BUPA or another Spanish insurer.  They apply to all other applications and are commonly used throughout Spain to prevent fraud from taking place with regard to pre-existing conditions.  Unfortunately providing a doctor´s report would not alter this.