Sanitas Corporate
Corporate health insurance for larger organisations – comprehensive private healthcare for your workforce, with no waiting periods and no pre-existing conditions excluded.
- The corporate plan for companies from 100 insured
- Full cover from day one – no waiting periods, no pre-existing exclusions
- Available as Sanitas Corporate Digital and Sanitas Corporate Mas Digital
The short answer
What is Sanitas Corporate health insurance for large companies?
Sanitas Corporate is Sanitas company health insurance for organisations in Spain insuring 100 or more people. It covers hospitalisation and surgery, more than 40 dental services and emergencies on trips abroad of up to 90 days. With the company as policyholder and payer, new insured have no waiting periods and pre-existing conditions are not excluded.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Corporate for companies in English, at the same price as buying direct from Sanitas.
Key facts
- Company size: Sanitas Corporate is the Sanitas product for companies insuring 100 or more people.
- Two versions: Sanitas Corporate Digital and Sanitas Corporate Mas Digital share the same cover and co-payments. Corporate Mas Digital adds extra digital and preventive health services.
- No waiting periods: For new insured added while the premiums are in force, the waiting periods do not apply and pre-existing conditions are not taken into account, provided the company is the policyholder and payer.
- Co-payments: The first 6 services each year are free, then each service costs €4, €7 or €10, and dental costs €3 per visit day.
- Pharmacy delivery: Up to 6 deliveries of medicines from the pharmacy a year.
- Tax: The first €500 for each person on the policy, including spouses and children, is exempt from income tax.
- Price: Corporate cover is quoted by email, based on company size, employee ages and province. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium.
A Corporate Health Benefit, From Day One
Sanitas Corporate is built for larger organisations that want to offer their whole workforce comprehensive private healthcare. Because the policyholder is the company, cover starts immediately – there are no waiting periods and no pre-existing conditions are excluded.
For 100+ employees
The corporate tier of the Sanitas range, designed for companies insuring 100 or more people.
Cover from day one
No waiting periods and no pre-existing conditions excluded for new insured added while the policy is in force.
Digital or Mas Digital
Choose the comprehensive Corporate Digital plan, or Corporate Mas Digital, which adds extra digital and preventive health services.
What Sanitas Corporate Covers
Comprehensive cover across the full breadth of private healthcare, in the Sanitas network of more than 58,000 professionals, 4,500 centres and Sanitas's own hospitals.
- Primary care & emergencies: General practitioner, paediatrics, nursing and general emergencies – in permanent emergency centres, at home and through Sanitas 24 Horas.
- Medical specialists: Access to all specialities – gynaecology, cardiology, dermatology, neurology, ophthalmology, oncology and more.
- Diagnostic tests: Simple tests (ultrasound scans, blood and urine tests) and high-tech tests (CT scans, MRIs and more).
- Hospitalisation & surgery: Full hospitalisation and surgery cover in the Sanitas hospital and centre network.
- Therapeutic methods: Simple methods (rehabilitation, aerosol therapy) and high-tech methods (lithotripsy, radiotherapy, chemotherapy).
- Dental & second opinion: Dental cover with more than 40 services included, plus an international second opinion for serious cases.
- Emergencies abroad: Cover for medical emergencies on trips abroad of up to 90 days.
- Pharmacy delivery: Up to 6 deliveries of medicines from the pharmacy per year, requested from the Sanitas app.
The general conditions exclude care arising from work accidents, and road accidents except urgent care or where the road accident add-on has been taken out. They also exclude home physiotherapy, alternative medicine, cosmetic procedures, refractive eye surgery, and glasses, contact lenses and hearing aids.
Corporate Digital or Corporate Mas Digital
Sanitas Corporate comes in two tiers. Both share the same comprehensive cover, the same co-payment structure, and the same day-one terms for companies – Mas Digital is the enhanced option.
Sanitas Corporate Digital
The complete corporate plan – full private healthcare across the Sanitas network and Sanitas's own hospitals, with the full Mi Sanitas digital suite.
Sanitas Corporate Mas Digital
The same comprehensive healthcare and co-payments as Corporate Digital, plus additional digital and preventive health services.
Co-payment Structure
Both tiers use the same co-payment structure. The first six services each year are free – then a small fixed amount applies per service.
First 6 services
Free – no co-payment.
Services 7–10
€4 per service.
Services 11–15
€7 per service.
More than 15
€10 per service.
Dental co-payment: €3 per visit day. Check the co-payment for high-frequency services.
No Waiting Periods, No Pre-existing Exclusions
This is the advantage of corporate cover. For new insured added while the policy is in force, with the company as policyholder and payer, the waiting periods set out in the policy do not apply and pre-existing conditions are not taken into account in the risk assessment.
Cover from day one
Employees can use their cover – including specialists and diagnostics – as soon as they join the policy.
Pre-existing conditions included
Existing conditions are not excluded, so the whole workforce is genuinely covered.
Easy onboarding
New joiners are added to the company policy as your headcount grows, on the same terms.
Digital Health Included
Every Sanitas Corporate policy includes a full suite of digital health services, all from the app.
- Video consultation: General practice and specialties, plus 24-hour general and paediatric emergency video consultation.
- Digital consultation today: Same-day digital appointments with doctors from 10 specialties.
- Check your health & symptom checker: Guided checks to better understand your overall wellbeing.
- Digital physio: Guided preventive and rehabilitation exercises you can do from home.
- Take care of your mind: Digital psychology service for mental and emotional health.
- Vital sign measurement & health programmes: Including pregnancy, nutrition, personal trainer and child-health programmes.
Good for Your People, Good for the Business
Tax-efficient
Private health insurance is tax-deductible. The first €500 for each person on the policy – including spouses and children – is exempt from income tax.
A benefit employees value
A leading corporate benefit that reduces absence, supports productivity, and helps you attract and retain talent at scale.
Who Can Join
- Age to join: 0 to 75 years old, with no guaranteed maximum age to remain insured.
- Company size: The corporate product, designed for organisations insuring 100 or more people.
- Day-one cover: No waiting periods or pre-existing exclusions when the company is the policyholder and payer.
- Children: Employees' families can be included on the company policy.
- Contract: The contract renews for a year at a time, and the company can stop the renewal with written notice at least one month before the expiry date.
Sanitas Corporate FAQs
Who is Sanitas Corporate for?
Larger organisations that want to give their whole workforce comprehensive private healthcare as a company benefit. It is the corporate tier of the Sanitas range, designed for companies insuring 100 or more people.
What is the difference between Corporate Digital and Corporate Mas Digital?
Both tiers share the same comprehensive cover, the same co-payment structure and the same day-one terms for companies. Corporate Mas Digital is the enhanced version: the same healthcare plan plus additional digital and preventive services.
Does Sanitas Corporate have waiting periods or pre-existing condition exclusions?
No. For new insured added while the policy is in force, with the company as policyholder and payer, waiting periods do not apply and pre-existing conditions are not taken into account. So employees are covered from day one.
Does it cover hospitalisation and surgery?
Yes. Sanitas Corporate covers hospitalisation and surgery in full within the Sanitas network. On the with-co-payment basis you pay only the small standard per-service co-payment (€4, €7 or €10 depending on how many services you use); the first six services each year are free.
How do we get a price for Sanitas Corporate?
Corporate cover is quoted by email, based on your company size, your employees' ages and your province. Request a quote or a callback and a dedicated business consultant will put together a tailored price for your organisation.
Does Sanitas Corporate include dental cover?
Sanitas Corporate includes Sanitas Dental 21, with more than 40 dental services included in the policy. The dental co-payment is €3 per visit day.
Where can employees be treated with Sanitas Corporate?
Sanitas Corporate employees are treated in the Sanitas medical network of more than 58,000 professionals, 4,500 centres and Sanitas's own hospitals. Care in Social Security centres is excluded. Medical emergencies on trips abroad of up to 90 days are also covered.
Documents you can download
Sanitas Corporate Digital
Sanitas Corporate Mas Digital
Get a Tailored Corporate Quote
Tell us your company size, your employees' ages and your province, and our business team will put together a Sanitas Corporate quote for your organisation.
Request a QuoteCorporate cover is quoted by email only, based on company size, employee ages and province. Sanitas Corporate is designed for organisations of 100 or more insured. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium.