Affordable Health Insurance

All the quality of Sanitas — now at a reduced price

Simple, transparent pricing so you always know what you’ll pay
Flexible plans for individuals, couples, and families
Access to leading doctors and clinics across Spain

Request Callback

Is Affordable Private Health Insurance Really Possible?

At Sanitas, we understand that every client has different needs. That’s why we offer a wide range of private health insurance options in Spain, with varying levels of coverage and pricing to suit every budget.

Some of our lowest-cost plans are designed without hospitalisation cover but still provide access to a wide range of outpatient services, face-to-face consultations, and even digital healthcare tools — depending on the policy.

If you're looking to keep monthly costs low, choosing a plan with co-payments is a smart option. You’ll pay a smaller monthly premium and simply contribute a small fee each time you use a medical service.

Extensive Medical Network

More than 58,000 professionals across over 4,500 own and partnered centres.

Own Hospitals & Centres

4 Sanitas hospitals, 3 more in development, and 26 exclusive Milenium centres for Sanitas clients.

Online Management

Book appointments, download test results, submit reimbursements and more — all via Mi Sanitas online portal.

24/7 Customer Support

Round-the-clock phone support whenever you need it.

Smart Ways to Get the Best Price on Sanitas Private Health Insurance

We offer a range of flexible health insurance plans to suit your needs. Choose from fully comprehensive cover with reimbursement options, or opt for a more affordable policy that includes just the cover you require. Whether you prefer a plan with or without co-payments, we have options to match your lifestyle and budget.

Compare co-payment levels: Choosing a plan with co-payments is one of the most effective ways to lower your monthly health insurance premium in Spain. Review how often you expect to use medical services, and match the co-pay level to your usage habits.
Select only the coverage you truly need: Avoid paying extra for features you won’t use. Sanitas offers flexible private health insurance plans that let you focus on the essentials — ideal for expats, and retirees alike.
Pay annually for additional savings: All Sanitas plans offer a discount if you pay yearly instead of monthly or quarterly. If you can afford it upfront, it’s a great way to reduce your total premium.
Add optional extras as needed: Keep your base policy affordable, then enhance your cover with optional modules like dental, optical, or digital healthcare services. Tailor your plan and only pay for what you actually use.
Take advantage of special promotions: Sanitas often runs seasonal discounts and multi-year deals — make sure to ask about current offers when requesting your quote.

Frequently Asked Questions: Affordable Health Insurance Plans

Will I have fewer benefits with a cheaper Sanitas plan?: Yes, more affordable health insurance policies typically come with fewer included services. However, Sanitas ensures that even basic plans maintain high-quality care through their extensive medical network.

What should I consider when choosing a budget-friendly policy?: Make sure the plan meets your requirements. check monthly premiums, coverage limits, co-payments, qualification periods, and whether you can add optional extras like dental or optical services.

What is a “basic” private health insurance policy?: A basic policy includes primary care, GP access, essential diagnostics, and digital features. It’s ideal for healthy individuals who want peace of mind without overpaying for unused benefits.

Can I upgrade my plan later if my needs change?: Yes, Sanitas allows you to switch to a more comprehensive plan later. This is useful if you initially chose a budget-friendly option and later need hospital cover or advanced diagnostics.

Are affordable Sanitas plans accepted for residency or visa applications?: No, many lower-cost Sanitas insurance products do not meet the criteria for Spanish residency or visa requirements because they have co-payments. If you need a plan for these purposes then you will need a plan without-co'payments, please click here for information on plans that meet this criteria.

Is digital healthcare included in basic plans?: Yes, even the most affordable Sanitas plans typically include online consultations and digital access via the Mi Sanitas app or portal.

Choose Sanitas at the Best Price

Affordable health insurance doesn’t have to mean cutting corners. Sanitas is committed to making private healthcare more accessible — that’s why we offer competitively priced plans that still deliver all the core benefits of a premium provider, including access to Sanitas hospitals and a nationwide medical network.

Discover our new range of low-cost private health insurance plans:

Sanitas Accede: Digital-first and outpatient health cover for people up to 60 years old, with no waiting periods and unlimited consultations — all at a reduced price.
Sanitas Avanza: Full outpatient cover including over 400 surgical procedures and unlimited consultations. No waiting periods, no hospitalisation needed.
Sanitas Más Salud Plus: Comprehensive private cover including hospitalisation, surgeries, and advanced diagnostics. Ideal for families or individuals seeking robust all-round protection at a competitive price.
Sanitas Más Salud Óptima: A smart choice for those who want essential hospital cover with a lower premium. Includes primary care, specialist visits, and surgical interventions with co-payment flexibility.

Our catalogue includes a variety of co-payment plans so you can pay less up front and contribute only when you use healthcare services — the smart way to keep your premium low.

Want more flexibility? Add optional modules like dental cover, pharmacy benefits, or optical care. Build the plan that fits your needs and only pay for what you’ll actually use.

*Access to most services begins from day one. Complex diagnostic tests such as MRIs and CT scans are subject to a 6-month qualification period from the date of joining any of these plans.

Affordable Health Insurance

Is Affordable Private Health Insurance Really Possible?

Extensive Medical Network

Own Hospitals & Centres

Online Management

24/7 Customer Support

Compare Our Most Affordable Health Plans

Sanitas Accede

Sanitas Avanza

Sanitas Mas Salud Plus

Sanitas Mas Salud Optima

Smart Ways to Get the Best Price on Sanitas Private Health Insurance

Frequently Asked Questions: Affordable Health Insurance Plans

Let’s Talk

Choose Sanitas at the Best Price