Sanitas Inicia
The affordable entry plan in the Sanitas Pymes range – full private healthcare for your employees, from €43 per employee / month.
- Lower-cost cover for small and medium companies (minimum 5 insured)
- Full outpatient care: GP, specialists, diagnostics and therapeutic methods
- Digital doctors, basic dental and emergency cover abroad included
The short answer
What is Sanitas Inicia business health insurance?
Sanitas Inicia is the affordable entry plan in the Sanitas Pymes business health insurance range, for companies in Spain with 5 to 350 insured. It covers general practitioner and specialist visits, diagnostic tests, basic dental care and emergencies abroad. Complex surgery and hospitalisation are covered through a fixed cost contribution, and from 21 insured most waiting periods are waived.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Inicia for companies in English, at the same price as buying direct from Sanitas.
Key facts
- Company size: Sanitas Inicia needs at least two family units and five new insured, and is available for companies of up to 350 employees.
- Outpatient care: Unlimited consultations with general practitioners and specialists, plus simple and complex diagnostic tests and therapeutic methods, in the Sanitas medical network.
- Surgery and hospital: Surgery in difficulty groups 0 to 3 is included in full, along with ophthalmology procedures, trauma arthroscopies in groups 4 and 5 and varicose vein surgery. Other group 4 procedures and hospitalisation carry a €1,000 contribution, groups 5 and 6 and childbirth €2,000, and groups 7 and 8 €3,000.
- Co-payments: Sanitas Inicia comes with or without co-payments. On the co-payment version the first 6 services each year are free, then each service costs €4, €7 or €10, and dental costs €3 per visit day.
- Waiting periods: With 5 to 20 insured the standard waiting periods apply, from 3 months for surgical procedures in groups 0 to 2 to 10 months for hospitalisation. From 21 to 50 insured only childbirth keeps a waiting period, and from 51 insured there are none.
- Dental: Basic dental cover with consultations, scale and polish, wound treatment and simple extractions.
- Tax: The first €500 for each person on the policy, including spouses and children, is exempt from income tax.
Private Healthcare for Your Team, Without the Premium Price
Sanitas Inicia is designed for companies that want to look after their employees' health while keeping the cost down. It gives your people the core of private healthcare – doctors, specialists, diagnostics and digital medicine – with hospital cover available through a fixed, predictable cost contribution.
Built for SMEs
Ideal for small and medium-sized companies (from 5 employees), and available for larger organisations of up to 350 employees.
Terms improve with size
The bigger your team, the better the terms – waiting periods and pre-existing conditions fall away as your headcount grows.
With or without co-payments
Choose the version that suits your company. The with-co-payment version keeps premiums lower, with the first six services each year free.
What Sanitas Inicia Covers
Unlimited cover across the core of private healthcare, in the Sanitas medical network of hospitals, Milenium centres and appointed clinics.
- Primary care: General practitioner, paediatrics and childcare (up to 15 years), nursing and general emergencies – in permanent emergency centres, at home and through Sanitas 24 Horas.
- Medical specialists: Unlimited consultations across almost every speciality – gynaecology, cardiology, dermatology, neurology, trauma, ophthalmology, oncology and more. (Podiatry 12, psychology 15 and speech & phoniatric therapy 80 sessions per insured per year.)
- Diagnostic tests: Simple and complex tests, including CT scans, MRI, neurophysiology, nuclear medicine, genetic testing, endoscopy and interventional radiology.
- Therapeutic methods: Simple and complex methods, including lithotripsy, radiotherapy (except proton and neutron therapy), chemotherapy and haemodynamic procedures.
- Basic dental cover: Consultations, scale and polish, wound treatment and simple extractions.
- Emergencies abroad: Cover for medical emergencies on trips abroad of up to 90 days.
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.
How Hospital & Surgery Cover Works
This is what keeps Sanitas Inicia affordable. Outpatient and lower-complexity surgery is included in full; more complex surgery and hospitalisation are covered through a fixed cost contribution (PEG), so you always know the most you would pay.
Included in full
Surgical procedures in difficulty groups 0 to 3, ophthalmology procedures, trauma arthroscopies (groups 4–5) and varicose vein surgery on the lower limbs.
€1,000 contribution
Difficulty group 4 and hospitalisation (other than the procedures included in full above).
€2,000 contribution
Difficulty groups 5 and 6, plus childbirth and caesarean section.
€3,000 contribution
Difficulty groups 7 and 8 (the most complex procedures).
Difficulty groups follow the OMC (Organizacion Medica Colegial) classification. Emergency procedures are covered regardless of their degree of difficulty.
Co-payment Structure
Sanitas Inicia is available with and without co-payments. On the with-co-payment version, 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. High-frequency services (such as physiotherapy, oxygen and ventilation therapy): €12 per package, divided across the sessions in the package. Dental and high-frequency services are not counted towards the services total above.
Terms by Company Size
The more employees you insure, the better the conditions. Terms are set by the number of insured on the policy.
5 to 20 insured
Standard waiting periods and pre-existing conditions apply.
21 to 50 insured
No waiting periods (except childbirth) and no pre-existing conditions excluded (except serious conditions).
51 to 350 insured
No waiting periods and no pre-existing conditions excluded.
To set up a policy, at least two family units and five new insured must be added, being people who have not been on another Sanitas policy in the previous six months.
Digital Health Included
Every Sanitas Inicia policy includes Blua digital health, 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: AI-assisted checks for hearing, skin, heart health, diabetes risk, blood pressure and emotional wellbeing.
- Digital physio: Guided preventive and rehabilitation exercises, with AI posture supervision.
- Take care of your mind: Digital psychology service for mental and emotional health.
- Health programmes: Pregnancy, nutrition, personal trainer and child-health programmes.
More Benefits
- Premium paid on death: If the policyholder dies, Sanitas pays the policy premium for 12 months.
- Emergency assistance abroad: Up to €12,000 per insured per year for emergencies on trips of under three months – medical costs, patient transfer, dispatch of medication and more.
- Second opinion: Access to a second opinion from world-renowned specialists for chronic and serious cases.
- Preventive medicine: Early-diagnosis programmes including consultation, examination and basic tests.
- Sanitas 24 hours: A team of doctors on the phone, 24/7/365, for medical questions, treatment, medication and test results.
- Sanitas Welcome: Telephone customer service to answer policy questions and speed up appointments and authorisations.
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
Cover that reduces absence, supports productivity, and helps you attract and retain the people who matter most to your company.
Who Can Join
- Age to join: 0 to 75 years old, with no maximum age to remain insured.
- Children 0–2: Must be insured alongside an insured adult over 2 years old.
- Children 3–18: Can be insured individually, provided the policyholder is over 18.
- Minimum to set up: At least two family units and five new insured.
Sanitas Inicia FAQs
Who is Sanitas Inicia for?
Companies that want to give their employees private healthcare at an affordable price. It is designed for small and medium-sized companies from five insured, and is available for larger organisations of up to 350 employees.
How is Inicia different from Sanitas Pymes Digital?
Inicia is the lean, lower-cost entry plan. It covers the core of private healthcare: outpatient care, diagnostics, therapeutic methods, basic dental and digital medicine, with hospital treatment covered through a fixed cost contribution. Sanitas Pymes Digital adds full hospitalisation and surgery with no cost limit, comprehensive dental, and road and work accident cover.
Does Inicia cover hospitalisation and surgery?
Yes. Outpatient and lower-complexity surgery is included in full. More complex surgery and hospitalisation are covered through a fixed cost contribution (€1,000, €2,000 or €3,000 depending on the complexity of the procedure), so the most you would pay is always known in advance. Emergency procedures are covered regardless of complexity.
Is there a minimum number of employees?
Yes. A policy needs at least two family units and five new insured to be set up. Terms improve as the number of insured rises: from 21 insured, most waiting periods and pre-existing condition exclusions fall away.
With or without co-payments?
Both versions are available. On the with-co-payment version the first six services each year are free, then a small fixed amount applies (€4, €7 or €10 per service depending on how many you use). The without-co-payment version has a higher premium and no per-service charges.
How do we get a price for Sanitas Inicia?
Business 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 company.
What is the age limit for Sanitas Inicia?
New members can join Sanitas Inicia from 0 to 75 years old, and there is no maximum age to remain insured. Children up to 2 years old must be insured alongside an insured adult, and children from 3 to 18 can be insured individually if the policyholder is over 18.
Does Sanitas Inicia cover medical emergencies abroad?
Sanitas Inicia covers medical emergencies on trips abroad of up to 90 days, up to €12,000 per insured per year. The cover includes medical costs, patient transfer and the dispatch of medication.
Documents you can download
Get a Tailored Price for Your Company
Tell us your company size, your employees' ages and your province, and our business team will put together a Sanitas Inicia quote for you.
Request a QuoteGuide price per employee. Business cover is quoted by email only, based on company size, employee ages and province. Sanitas Inicia requires a minimum of five insured. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium. Premiums valid until 31/03/2027.