Sanitas Pymes Digital
Sanitas Pymes Digital is Sanitas health insurance for small and medium-sized companies (pymes, in Spanish) with 5 to 100 employees. It is the comprehensive plan in the Sanitas Pymes range – full private healthcare for your employees, including complete hospitalisation and surgery, comprehensive dental, and work and road accident cover.
- Comprehensive cover for small and medium companies (5 to 100 employees)
- Full outpatient care, hospitalisation and surgery with no cost limit
- Comprehensive dental, digital doctors and emergency cover abroad included
The short answer
What is Sanitas Pymes Digital health insurance for small companies?
Sanitas Pymes Digital is company health insurance for small and medium-sized businesses in Spain with 5 to 100 employees. The plan covers hospitalisation and surgery in full, more than 40 dental services and work and road accidents. The first 6 services each year have no co-payment, and from 21 insured most waiting periods are waived.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Pymes Digital for companies in English, at the same price as buying direct from Sanitas.
Complete Private Healthcare for Your Team
Sanitas Pymes Digital is built for companies that want to give their people the full strength of private healthcare – doctors, specialists, diagnostics, hospitalisation and surgery with no cost limit – backed by Sanitas's own hospitals, medical centres and digital medicine.
Built for small and medium companies
Designed for small and medium-sized companies, from 5 up to 100 employees. Larger companies can look at Sanitas Corporate.
Terms improve with size
The bigger your team, the better the terms – waiting periods and pre-existing conditions fall away as your headcount grows.
Full hospital cover
Complete hospitalisation and surgery with no cost limit, plus work and road accident cover that is often excluded elsewhere.
Sanitas Pymes Digital at a glance
- Who it is for: Sanitas Pymes Digital is company health insurance from Sanitas for small and medium-sized businesses in Spain with 5 to 100 employees.
- Hospital cover: Sanitas Pymes Digital covers hospitalisation and surgery in full, with no cost limit, in a network of more than 58,000 professionals and 4,500 centres.
- Co-payments: On Sanitas Pymes Digital the first 6 services each year have no co-payment, then each service costs €4, €7 or €10 depending on the number used, and dental costs €3 per service.
- Waiting periods: On Sanitas Pymes Digital, companies with 21 to 50 insured have no waiting periods except for childbirth, and companies with 51 to 100 insured have none at all. Companies with 5 to 20 insured have the standard waiting periods.
- Dental, travel and accidents: Sanitas Pymes Digital includes Sanitas Dental 21 with more than 40 dental services, emergency cover on trips abroad of up to 90 days, and work and road accident cover.
- Age and minimum size: New members can join Sanitas Pymes Digital from 0 to 75 years old, and a new policy needs at least two family units and five new insured.
- How to get a price: HealthPlan Spain quotes Sanitas Pymes Digital by email, based on company size, employee ages and province.
What Sanitas Pymes Digital Covers
Unlimited 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: Unlimited consultations across almost every speciality – 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, neurophysiology, nuclear medicine, genetic testing, endoscopy and interventional radiology).
- Hospitalisation & surgery: Full cover with no cost limit – not the fixed-contribution model used on the entry plan.
- Therapeutic methods: Simple methods (rehabilitation, aerosol therapy) and high-tech methods (lithotripsy, radiotherapy, chemotherapy and haemodynamic procedures).
- Comprehensive dental: Sanitas Dental 21, with more than 40 dental services included, plus an international second opinion for serious cases.
Sanitas Pymes Digital or Pymes Mas Digital
The Sanitas Pymes range comes in two tiers. Both share the same comprehensive cover, the same co-payment structure and the same terms by company size – Mas Digital is the enhanced option.
Sanitas Pymes Digital
The complete plan for small and medium companies – full private healthcare with no cost limit on hospitalisation and surgery, comprehensive dental, and the full suite of digital health services in the app.
Sanitas Pymes Mas Digital
The same comprehensive healthcare and terms as Pymes Digital, plus additional digital and preventive health services.
Full Hospitalisation & Surgery
This is the step up from the entry plan. Where Sanitas Inicia covers complex hospital treatment through a fixed cost contribution, Sanitas Pymes Digital covers hospitalisation and surgery in full, with no cost limit – on the with-co-payment version you pay only the small standard per-service co-payment below.
Surgery, any complexity
Surgical procedures across all difficulty groups are covered in full, in the Sanitas hospital and centre network.
Hospitalisation
Medical and surgical hospitalisation, including childbirth and caesarean section, with no fixed cost contribution.
Emergencies
Emergency procedures are covered regardless of their degree of difficulty.
Co-payment Structure
Sanitas Pymes Digital uses a co-payment structure to keep premiums down. 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 service. Check the co-payment for high-frequency services. An enhanced tier, Sanitas Pymes Mas Digital, is also available.
Terms by Company Size
The more employees you insure, the better the conditions. Terms are set by the number of insured on the policy (where the policyholder and payer is a company).
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 100 insured
No waiting periods at all and no pre-existing conditions excluded – cover from day one.
Standard waiting periods (5–20 insured): surgical procedures groups 0–II – 3 months; complex diagnostic tests and psychology – 6 months; childbirth or caesarean – 8 months; complex therapeutic methods, hospitalisation and surgical procedures groups III–VIII – 10 months.
Digital Health Included
Every Sanitas Pymes Digital policy includes a full suite of digital health services, all from the app. Sanitas sends the link to the app by text message once a policy arranged through HealthPlan Spain is activated. Request a quote for your company to get started.
- 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.
More Benefits
- Work & road accident cover: Healthcare in the event of an accident at work, a road accident or a professional illness – cover that is often excluded from private policies.
- Emergencies abroad: Cover for medical emergencies on trips abroad of up to 90 days – medical costs up to €12,000 per person a year, patient transfer and dispatch of medication.
- International second opinion: Access to a second opinion from world-renowned specialists for serious cases.
- Pharmacy delivery: Up to 6 deliveries of prescribed medicines a year for each insured person, anywhere in Spain, requested through the app or by phone. You pay for the medicines on delivery.
- Physiotherapy at home or at work: Up to 5 one-hour sessions a year for each insured person, with a physiotherapist sent to their home or workplace in Spain for therapies their doctor prescribes.
- Sanitas 24 hours: A team of doctors on the phone, 24/7/365, for medical questions, treatment, medication and test results.
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
Comprehensive 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 guaranteed maximum age to remain insured.
- Children 0–2: Must be insured alongside an insured adult.
- Children 3–17: Can be insured individually, provided the policyholder is an adult.
- Minimum to set up: At least two family units and five new insured, who have not been on another Sanitas policy in the previous six months.
Self-employed and working alone? See Sanitas health insurance for the self-employed.
Sanitas Pymes Digital FAQs
Who is Sanitas Pymes Digital for?
Companies that want to give their employees comprehensive private healthcare: full outpatient care plus complete hospitalisation and surgery. It is designed for small and medium-sized companies of 5 to 100 employees.
How is it different from Sanitas Inicia?
Inicia is the leaner, lower-cost entry plan, where complex hospital treatment is covered through a fixed cost contribution and dental is basic. Sanitas Pymes Digital steps up to full hospitalisation and surgery with no cost limit, comprehensive dental (40+ services), and work and road accident cover.
Does it cover hospitalisation and surgery in full?
Yes. Hospitalisation and surgery are covered in full, across all difficulty groups, with no fixed cost contribution. On the with-co-payment version you pay only the small standard per-service co-payment (€4, €7 or €10 depending on how many services you use); emergency procedures are covered regardless of complexity.
Do waiting periods apply?
It depends on company size. For 5 to 20 insured, standard waiting periods apply. For 21 to 50 insured there are no waiting periods (except childbirth) and pre-existing conditions are not excluded (except serious ones). For 51 to 100 insured there are no waiting periods and no pre-existing conditions excluded: cover from day one.
How do the co-payments work?
Sanitas Pymes Digital uses a co-payment structure: the first six services each year are free, then a small fixed amount applies (€4, €7 or €10 per service, €3 for dental). An enhanced tier, Sanitas Pymes Mas Digital, is also available.
How do we get a price for Sanitas Pymes Digital?
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 does Pymes mean in Sanitas Pymes Digital?
Pyme is the Spanish word for a small or medium-sized company, short for pequena y mediana empresa. Sanitas Pymes Digital is the Sanitas health insurance plan for these companies, from 5 to 100 employees.
What does Sanitas Pymes Digital not cover?
Care is provided through the Sanitas medical network, except in a life-threatening emergency, and care in Social Security centres is excluded. The general conditions also exclude alternative medicine, cosmetic procedures, voluntary termination of pregnancy, water and home births, refractive eye surgery, and glasses, contact lenses and hearing aids. The full list is in the terms and conditions below.
How long does the contract last, and how do we cancel?
The contract renews automatically for a year at a time. The company can stop the renewal by giving Sanitas written notice at least one month before the expiry date.
What is the difference between Sanitas Pymes Digital and Sanitas Pymes Mas Digital?
Sanitas Pymes Mas Digital has the same healthcare cover, co-payments and terms by company size as Sanitas Pymes Digital, plus additional digital and preventive health services. Both plans include hospitalisation and surgery with no cost limit, dental cover with more than 40 services, and work and road accident cover.
Does Sanitas Pymes Digital include medicine delivery and home physiotherapy?
Sanitas Pymes Digital includes up to 6 deliveries of prescribed medicines a year for each insured person, anywhere in Spain, and you pay for the medicines on delivery. It also includes up to 5 one-hour physiotherapy sessions a year, at home or at work in Spain, for therapies a doctor prescribes.
Documents you can download
Sanitas Pymes Digital
Sanitas Pymes Mas Digital
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 Pymes Digital quote for you.
Request a QuoteArranged by HealthPlan Spain: Sean Guy, authorised Sanitas agent 22395, insurance mediator registration C0320X5769518Z, Calle Valentuñana 2, 29601 Marbella. We answer Monday to Friday 8am to 6pm and Saturday 9am to 2pm, by phone or email.
Business cover is quoted by email only, based on company size, employee ages and province. Sanitas Pymes Digital requires a minimum of two family units and five new insured. The net premium carries an annual 0.15% surcharge for the Insurance Compensation Consortium.