Is there a discount for couples versus two individual policies?

Yes. When two adults join together on one policy with the same start date and plan an 8% reduction applies to the monthly premium. Final pricing still depends on ages, region and selected product.

Do both of us have to pick the same plan?

Yes - a couples policy places both adults on the same product with one start date and renewal. If you need different benefits, we can quote separate plans instead.

Are pre-existing conditions covered?

Cover is subject to medical underwriting and policy terms. Tell us about any existing conditions in the health questionnaire so we can assess eligibility and advise on outcomes.

Is mental health support included?

Many Sanitas plans include psychology or psychiatry services. The number of sessions and authorisation rules vary by product — we’ll guide you based on your goals.

Do we get international cover?

Plans can include emergency medical assistance abroad for short trips. For broader worldwide treatment cover, ask about plans with international benefits.

Couples Health Insurance in Spain: A Sanitas Guide

Thinking about private health cover for two? Here’s how Sanitas couples health insurance works, what it covers, and how to choose the right plan for your situation.

Why choose couples health insurance?

Couples health insurance lets you share one policy with two insured adults, keeping your healthcare simple and predictable. You’ll have fast access to private GPs and specialists, diagnostics, private hospitals, and digital services — all within the Sanitas network across Spain. Many people choose a couples policy for the convenience of a single renewal date, unified documents, and bundled pricing for two insured lives.

What’s typically covered

Benefits vary by plan, but core cover for couples usually includes:

Primary care (GP) and specialist consultations
Diagnostics and imaging (e.g., X-ray, ultrasound, MRI/CT when indicated)
Outpatient treatments and day-case surgery
Inpatient hospital care and surgical procedures
Emergency care and urgent medical transport in Spain
Mental health support and psychology services (plan-dependent)
Second medical opinion
Digital services: 24/7 helpline, app-based appointments, and video consultations

Optional upgrades or complementary modules can add international emergency assistance, dental options, or other extras depending on your needs.

How it works for two people

You’ll apply together, selecting the same plan and start date. Each adult completes a health questionnaire. Once approved, both insured lives share the same policy number, premium cycle, and renewal date. Because all Sanitas policies use an in‑network model, you simply present your digital or physical member card; Sanitas settles costs directly with the provider.

Save when you join together

Sign up as a couple on one policy and get an 8% reduction on the monthly premium.

This multi‑insured discount applies when both adults share the same start date and plan.

Choosing a plan

Three popular Sanitas options for couples are:

Más Salud Family (no-copayment) - A comprehensive choice for two adults (and scalable later if you grow to a family). Full access to the Sanitas network nationwide with 100% cover in-network according to policy terms.
Premium 500 - Enhanced benefits and broader network access, plus additional supplementary covers. A good fit if you want a higher-tier experience.
Top Quantum - Premium-level cover with the widest network access and comfort features across leading private hospitals.

If you’re applying for residency visas, you’ll usually need a no-copayment plan with comprehensive cover. If you’re already resident and prefer a lower monthly premium, you can consider plans with copayments (excesses) — where you pay a small fee when you use services.

Couples, maternity, and fertility

Standard couples plans focus on core medical cover. Maternity and fertility services vary by product and may require specific waiting periods or add-ons. If you’re planning a pregnancy or considering fertility support, tell us up front so we can match you to the right plan and explain any timelines that may apply.

How to join

Get a quote online — choose your region and enter dates of birth for both adults.
Pick your plan and start date (all policies begin on the 1st of a month).
Complete the short application and health questionnaire for each adult.
Once approved, you’ll receive your policy documentation and digital cards.

Find the right couples plan

Compare cover levels and pricing, then select a policy that fits how you live now — with room to evolve later.

Frequently Asked Questions

Is there a discount for couples versus two individual policies?: Yes. When two adults join together on one policy with the same start date and plan an 8% reduction applies to the monthly premium. Final pricing still depends on ages, region and selected product.

Do both of us have to pick the same plan?: Yes - a couples policy places both adults on the same product with one start date and renewal. If you need different benefits, we can quote separate plans instead.

Are pre-existing conditions covered?: Cover is subject to medical underwriting and policy terms. Tell us about any existing conditions in the health questionnaire so we can assess eligibility and advise on outcomes.

Is mental health support included?: Many Sanitas plans include psychology or psychiatry services. The number of sessions and authorisation rules vary by product — we’ll guide you based on your goals.

Do we get international cover?: Plans can include emergency medical assistance abroad for short trips. For broader worldwide treatment cover, ask about plans with international benefits.