Add-on
Worldwide Reimbursement
from €28,90 / month per person
Use any doctor or hospital you choose, in Spain or anywhere in the world, and claim the cost back - 80%, or 100% with a recommended provider.
What is the Sanitas Worldwide Reimbursement add-on?
Sanitas Worldwide Reimbursement is an optional add-on that lets you use any doctor or hospital outside the Sanitas network, in Spain or worldwide. You claim back 80%, or 100% with a provider Sanitas recommends, within an annual limit of €50,000 to €300,000 per person. Sanitas Premium 500 and both Sanitas Mas 90 plans have reimbursement built in instead.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas policies and add-ons in English, at the same price as buying direct from Sanitas.
What the Worldwide Reimbursement add-on covers
The worldwide reimbursement add-on gives you total freedom to use any doctor, clinic or hospital you choose - outside the Sanitas network, in Spain or anywhere in the world. You pay for the treatment and Sanitas reimburses you: 80% of the cost with completely free choice, or 100% when you use a provider Sanitas recommends, in Spain or abroad.
It applies to private treatment across the board: outpatient consultations, specialist care, diagnostic tests, psychology, surgery and even childbirth. You simply pay the provider and submit the invoice through the app, and your reimbursement is paid to your bank, up to the annual limit you choose.
You pick an annual reimbursement limit from €50,000 up to €300,000 per insured person, each with its own sub-limits per service set out in your policy conditions. It is available on the comprehensive Sanitas plans and can be added when you take out or renew your policy.
It can be taken out up to age 64, and once held there is no upper age limit to keep it. The standard policy waiting periods apply, and a health questionnaire covers any pre-existing conditions.
How to add it: All add-ons are selected at the application form stage - when you take out a new Sanitas plan or at renewal - and apply to everyone insured on the policy.
Sanitas Worldwide Reimbursement add-on at a glance
- What it is: Sanitas Worldwide Reimbursement is an add-on that lets you use any doctor, clinic or hospital outside the Sanitas network, in Spain or worldwide.
- How much you get back: Sanitas Worldwide Reimbursement pays back 80% of the cost with free choice of provider, or 100% with a provider Sanitas recommends.
- Annual limits: Sanitas Worldwide Reimbursement offers annual limits of €50,000, €100,000, €150,000, €200,000 or €300,000 per insured person, each with sub-limits per service.
- What it covers: Sanitas Worldwide Reimbursement covers private treatment outside the Sanitas network: outpatient consultations, specialist care, diagnostic tests, psychology, surgery and childbirth.
- Plans it can be added to: Sanitas Mas Salud, Sanitas Mas Salud Plus, Sanitas Mas Salud Family, Sanitas Mas Salud Optima, Sanitas Professional, Sanitas Professional Plus and Sanitas Residents Visa. Sanitas Top Quantum has its own three levels.
- Sanitas Top Quantum levels: Sanitas Top Quantum has its own worldwide reimbursement levels of €75,000, €200,000 or €300,000 a year per person, each reimbursed at 80%.
- Age and waiting periods: Sanitas Worldwide Reimbursement can be taken out up to age 64, has no upper age limit once held, and standard policy waiting periods apply.
What changes by plan
- Sanitas Residents Visa: two levels only, €150,000 or €300,000 a year per person, paid back at 80%, from €34,50 a month per person (€37,19 in the province of Madrid), and it can be taken out up to age 64.
- Sanitas Top Quantum: its own three levels, €75,000, €200,000 or €300,000.
- Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Mas Salud Family, Professional and Professional Plus: five levels from €50,000 to €300,000.
- Not offered on Sanitas Premium 500, Mas 90, Mas 90 Plus, Students, Accede, Avanza or Unico. Premium 500 and the two Mas 90 plans have reimbursement built into the plan instead: 90% up to €500,000 a year on Premium 500, and 70% up to €90,000 a year on Mas 90 and Mas 90 Plus.
Important information
How much you get back
80% of your eligible costs with completely free choice of provider - or 100% when you use a provider Sanitas recommends, in Spain or abroad.
Reimbursement levels
Annual limits of €50,000, €100,000, €150,000, €200,000 or €300,000 per insured person, each with sub-limits per service.
Where you are covered
Any provider you choose, in Spain and worldwide - you are not limited to the Sanitas network.
How claims work
You pay the provider, then submit the invoice and medical report through the app; your reimbursement is paid to a Spanish bank account of your choice.
Eligibility
Available to take out up to age 64; once held, there is no upper age limit to keep it. The standard policy waiting periods apply.
Where it fits
Designed for planned, free-choice treatment. Medical emergencies while you are travelling abroad are handled separately by the travel assistance cover.
Reimbursement levels and prices
Choose the annual reimbursement limit that suits you - every level pays back 80% of your eligible costs:
| Annual limit (per person) | Reimbursed | Rest of Spain / month | Madrid / month |
|---|---|---|---|
| €50,000 | 80% | €28,90 | €31,59 |
| €100,000 | 80% | €31,70 | €34,49 |
| €150,000 | 80% | €34,50 | €37,19 |
| €200,000 | 80% | €38,60 | €41,29 |
| €300,000 | 80% | €45,40 | €48,19 |
Prices are per insured person, per month. Prices in the province of Madrid are slightly higher than the rest of Spain.
Plans you can add it to
These reimbursement levels are available on the comprehensive Sanitas plans:
- Sanitas Mas Salud
- Sanitas Mas Salud Plus
- Sanitas Mas Salud Family
- Sanitas Mas Salud Optima
- Sanitas Professional
- Sanitas Professional Plus
- Sanitas Residents Visa (€150,000 or €300,000 only)
Sanitas Top Quantum reimbursement options
Top Quantum has its own set of worldwide reimbursement levels, each reimbursed at 80%:
| Annual limit (per person) | Reimbursed | From / month |
|---|---|---|
| €75,000 | 80% | €30,30 |
| €200,000 | 80% | €38,60 |
| €300,000 | 80% | €45,40 |
Sanitas Top Quantum also comes with a family reimbursement cover (Reembolso Familiar) included by default - reimbursing 80% up to €10,000 a year on a set of everyday specialties: general medicine, paediatrics, gynaecology and obstetrics, and homeopathy, osteopathy, acupuncture and chiropractic.
Plans you can add it to
Worldwide Reimbursement frequently asked questions
Is there an age limit to take it out?
The upper age limit to take out any of the worldwide reimbursement options is 64. Once the cover is in force there is no upper age limit to remain insured.
Does it include cover in the USA?
Yes. Cover applies worldwide, including the USA - you can use any provider you choose anywhere in the world and claim your reimbursement.
How much do I get back?
80% of your eligible costs when you choose any provider completely freely, or 100% when you use a provider Sanitas recommends - in Spain or abroad.
What treatments can I use it for?
Private medical care of all kinds outside the Sanitas network - consultations, specialist visits, diagnostic tests, psychology, surgery and childbirth.
Are there waiting periods?
Yes - the standard policy qualification periods apply, the same as your underlying plan (for example psychology 6 months, childbirth 8 months and inpatient surgery 10 months).
Do I pay first, or is the bill sent to Sanitas?
With reimbursement you pay the provider first, then submit your claim through the app, and Sanitas reimburses you (80%, or 100% with a recommended provider).
How are reimbursements claimed and paid?
In the app, fill in a few details and upload the medical report and the receipt of payment, or send them to us and we submit the claim for you. Reimbursements are paid directly to a Spanish bank account of your choice.
Is there a time limit to submit a claim?
Once you have had your treatment you have 90 days to submit the claim.
Can I add it after taking out my policy?
These options can only be taken out when you buy your underlying health plan or at its renewal. Contact us and we will send you an application form to complete, sign and return.
Does it cover emergencies while I am travelling?
Emergency medical treatment while you are travelling abroad is handled separately, through the travel assistance cover included free with every Sanitas policy. This add-on is for planned, free-choice treatment.
Which Sanitas plans can the Worldwide Reimbursement add-on be added to?
Sanitas Worldwide Reimbursement can be added to Sanitas Mas Salud, Sanitas Mas Salud Plus, Sanitas Mas Salud Family, Sanitas Mas Salud Optima, Sanitas Professional, Sanitas Professional Plus and Sanitas Residents Visa (two levels, €150,000 or €300,000), and Sanitas Top Quantum has its own set of worldwide reimbursement levels, each reimbursed at 80%. The add-on is selected when you take out a new Sanitas plan or at renewal.
How much does the Sanitas Worldwide Reimbursement add-on cost?
The Sanitas Worldwide Reimbursement add-on costs from €28,90 a month per person for a €50,000 annual limit, up to €45,40 for €300,000. Prices in the province of Madrid are slightly higher, from €31,59 to €48,19 a month per person.
Can I add Sanitas Worldwide Reimbursement to Sanitas Premium 500 or Sanitas Mas 90?
No, Sanitas Worldwide Reimbursement is not offered on Sanitas Premium 500, Sanitas Mas 90 or Sanitas Mas 90 Plus, because these plans have reimbursement built in. Sanitas Premium 500 reimburses 90% up to €500,000 a year, and both Sanitas Mas 90 plans reimburse 70% up to €90,000 a year.
Does Sanitas Worldwide Reimbursement apply to everyone insured on the policy?
Yes. All add-ons are selected at the application form stage, when you take out a new Sanitas plan or at renewal, and apply to everyone insured on the policy. You pick an annual reimbursement limit from €50,000 up to €300,000 per insured person, and prices are per insured person, per month.
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