How to Enhance or Reduce Your Sanitas Health Insurance

Sanitas health insurance offers flexible options to tailor your policy depending on your healthcare needs and budget. Whether you want broader coverage or prefer to lower your monthly premium, Sanitas allows you to customize key aspects of your plan.

 

What Does Sanitas Standard Coverage Include?

All Sanitas policies—regardless of whether they include co-payments—offer access to private hospitals and specialists, with coverage for:

• Inpatient and outpatient care
• Emergency care and diagnostic tests
• General practitioner and specialist visits
• Surgical procedures and hospitalization
• Access to the Sanitas digital app for appointment booking and remote consultations

The Mas Salud range of plans offer full hospital and surgical cover with access to advanced diagnostics, while the Premium 500 and Mas 90 plans includes international reimbursement, U.S. hospital access and certain add-ons included that are not included on lower tiered plans. — ideal for those who want flexibility and global peace of mind.

 

How to Enhance Your Sanitas Coverage

You can increase your plan’s benefits by adding optional modules:

• Dental Coverage: beyond the basic dental coverage already included in all plans like routine checkups, cleanings, and treatments
• Pharmacy Coverage: Reimburses 50% of prescription medication costs each year
• Worldwide Reimbursement: Use any doctor or hospital worldwide
• Vision Care: Claim back 50% of the cost of your spectacles or contact lenses
• Work / Traffic Accidents Coverage: Covers full medical care if you're involved in a traffic accident (as a driver, passenger or pedestrian), or if you experience a work-related injury or accident

 

How to Reduce Your Premiums

If you’re looking to save money, consider adjusting your policy in these ways:

• Choose a plan which doesnt include hopitalisation or inpatient surgery: Lower monthly costs if you’re comfortable paying a small fee when using services
• Choose a plan with co-payments: Lower monthly costs if you’re comfortable paying a small fee when using services
• Limit add-ons: Exclude extra add-ons if not essential
• Use providers within the Sanitas network: Choose a network only plan to reduce your monthly premiums.

 

Inpatient, Daypatient, and Outpatient: What’s the Difference?

• Inpatient: You stay overnight in a hospital for treatment or surgery
• Daypatient: You occupy a hospital bed for treatment but are discharged the same day
• Outpatient: You attend appointments, diagnostic tests, or therapy without staying overnight

 

Choosing the Right Sanitas Coverage

To decide what works best, consider your personal healthcare needs and budget:

• Do you want all-inclusive coverage or just protection for major events?
• Are you comfortable paying a co-payment per service to save on premiums?
• Would you benefit from additional dental, or international cover?

Sanitas makes it easy to compare different plan levels and see how add-ons or co-payment structures affect your monthly cost. You can make changes at renewal or when your health needs evolve.

 

Want to see how flexible Sanitas health insurance really is?

Use our quote tool to compare plans and customize your cover.

 

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