How Health Insurance Copayments Work with Sanitas

Understanding how copayments (copagos) work with Sanitas health insurance will help you manage your costs and know what to expect when using your policy.

 

What Is a Copayment?

A copayment is a small, fixed amount you pay each time you use a medical service. For example, you might pay €4 for a GP visit or €8 for a specialist. Sanitas covers the rest. Copayments help keep monthly premiums lower than those in plans without them.

 

Which Sanitas Plans Include Copayments?

Sanitas offers both “con copago” (with copayment) and “sin copago” (without copayment) plans. Copayment plans such as Sanitas Accede and Sanitas Avanza are more affordable monthly because you contribute a small amount only when you use a service.

 

How Much Are the Copayments?

It depends on your plan and the type of service. Some of our most popular plans, such as Sanitas Mas Salud Plus and Sanitas Sanitas Mas Salud Optima, have a sliding scale of co-payments where the amount you pay increases according to the number of times that you have used services in the year.

You can see the exact amounts in the FAQ section of the policy you are viewing or in your policy documentation.

 

How Are Copayments Billed?

Copayments are not paid at the clinic. Sanitas bills you monthly alongside your monthly premium. You’ll receive a breakdown of your usage and charges, inside your Mi Sanitas account

 

Are Any Services Free?

On most copayment plans you contribute from the first service. However, a few plans give you free services first. With Sanitas Mas Salud Plus and Sanitas Professional Plus, the first 6 services in any policy year are free (the co-payment is €0), after which a small sliding-scale charge applies. Sanitas Unico also includes the first 6 services free, and Sanitas Accede applies no co-payment once you pass a set threshold.

 

How to Choose the Right Option

If you want to lower your monthly premium and are happy to pay small copayments when using services, a copayment plan offers great value. If you prefer predictable, all-inclusive pricing, consider a plan without copayments.