Sanitas Pymes - private health cover for your company and your employees, from €43 per employee / month.
The short answer
Business health insurance in Spain, called seguro de salud para pymes (small and medium-sized companies) in Spanish, is a policy a company takes out to give its employees private healthcare. Sanitas Inicia and Sanitas Pymes Digital need at least 5 insured, Sanitas Corporate starts at 100 insured, and from 21 insured most waiting periods are waived.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas business health insurance in English, at the same price as buying direct from Sanitas. Sean Guy is registered as an insurance mediator with the Directorate General of Insurance and Pension Funds, code C0320X5769518Z.
Offering private health cover is one of the most cost-effective benefits a company can give. Here's the return.
Faster diagnosis and shorter recovery times cut sick days and the disruption they cause.
Reduced waiting times keep your people healthy, focused and at work.
A valued, in-demand benefit that strengthens loyalty and your employer brand.
Premiums are tax-efficient for the company and the employee - more on that below.
Private health insurance is tax-deductible. You can offset the first €500 for each person on the policy - including spouses and children - and those payments are exempt from income tax, putting money back in your people's pockets.
When your company is the policyholder and payer and insures 51 or more people, employees join with no waiting periods and no pre-existing conditions excluded - cover that works from day one. From 21 to 50 insured, only childbirth keeps a waiting period and only serious pre-existing conditions are excluded.
Three Sanitas Pymes plans, from a lean entry option to fully comprehensive cover for larger companies. Business cover is quoted by email only – send us your company details for a tailored price.
From 43 € / employee / month
A lean entry plan for small teams – minimum 5 insured
From 52 € / employee / month
Comprehensive cover for growing companies – minimum 5 insured
Tailored quote
Bespoke cover for companies of 100+ staff
Average guide prices per employee. Business cover is quoted by email only, based on your company size, employee ages and province. Sanitas Inicia and Pymes Digital require a minimum of 5 insured. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium. Premiums valid until 31/03/2027.
You're never on your own - a specialist team manages everything from the moment you sign.
A highly qualified, specialist team of advisors who administer and manage every procedure from the moment you contract a policy - over 25 dedicated specialists ready to attend to your company's needs by telephone, email and fax, 24 hours a day, 365 days a year.
Direct access to over 20 executives specialising in large corporate accounts, plus a team of over 300 business executives for smaller companies - on hand to offer the best advice and solutions for your business.
Dedicated support tailored to older employees and their needs.
Guidance to build healthier habits across your workforce.
Fitness support to keep your team active and energised.
Help employees quit, with structured support that lasts.
Programmes supporting parents through pregnancy and early childhood.
Mental-health support to look after your people's wellbeing.
We have deep experience providing cover for businesses of every kind, including:
Sanitas Pymes plans are designed for small and medium-sized companies, typically from around 5 employees, while the corporate plan suits larger organisations of 100+ staff. Talk to us and we'll match the right plan to your company size.
Yes. Premiums are tax-deductible for the company, and employees can offset the first €500 per insured person (including spouse and children), exempt from income tax. Your accountant can confirm how this applies to your business.
Waiting periods on Sanitas business health insurance depend on the plan and the number of insured. On Sanitas Inicia and Sanitas Pymes Digital, 5 to 20 insured have the standard waiting periods and pre-existing conditions apply. From 21 to 50 insured there are no waiting periods except childbirth, and only serious pre-existing conditions are excluded. From 51 insured, and on Sanitas Corporate, there are no waiting periods and no pre-existing conditions excluded when the company is the policyholder and payer. The standard waiting periods are 3 months for surgical procedures in groups 0 to II, 6 months for complex diagnostic tests and psychology, 8 months for childbirth and 10 months for hospitalisation. With 5 to 20 insured, conditions that existed before joining are excluded and must be declared in the health questionnaire. Care is provided through the Sanitas medical network, and care in Social Security centres is excluded. The general conditions also exclude alternative medicine, cosmetic procedures, refractive eye surgery, and glasses, contact lenses and hearing aids.
Sanitas Inicia is a lean, lower-cost entry plan with full outpatient cover and digital benefits. Sanitas Pymes Digital adds hospitalisation and full surgery, comprehensive dental, road & work accident cover and home services. Sanitas Corporate gives companies of 100 or more insured comprehensive cover, including hospitalisation, surgery and dental. It has no waiting periods and no pre-existing conditions excluded when the company is the policyholder and payer.
Yes, family members can be included, and the tax advantages extend to spouses and children listed on the policy. Our account team will walk you through the options.
Request a quote or a callback and a dedicated business consultant will assess your needs, recommend the right plan, and handle the setup - quickly and with minimal admin for you.
Sanitas Pymes business cover is quoted by email only, based on your company size, employee ages and province. Sanitas Inicia and Sanitas Pymes Digital require a minimum of 5 insured. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium. Premiums are valid until 31 March 2027.
Sanitas Pymes employees get the Health Promotion Service (SPS), a team of 90 or more healthcare professionals available 24/7/365 by phone or online. The service gives health advice and telephone medical attention for the employee and their family. Wellbeing programmes cover seniors, nutrition, personal trainers, smoking cessation, maternity and healthy child, plus psychological support.
HealthPlan Spain arranges Sanitas business health insurance in English, as an authorised Sanitas agent (agent code 22395) based in Marbella. You pay the same premium as buying from Sanitas. Send your company details by email for a quote, and the team answers Monday to Friday 8am to 6pm and Saturday 9am to 2pm, by phone or email.
Of the Sanitas company plans, only Sanitas Pymes Digital and Sanitas Pymes Mas Digital include work and road accident cover as standard, for traffic accidents, occupational accidents and occupational illness. The general conditions of Sanitas Inicia and Sanitas Corporate exclude care arising from work accidents. They also exclude road accidents, except urgent care or where the road accident add-on has been taken out.
Over 60 years of distinguished service, a multilingual team of consultants and health specialists, and a service that exceeds expectations. Let's build the right plan for your business.
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