How Much Does Sanitas Health Insurance Cost?

Like most types of insurance, Sanitas health cover doesn’t cost the same for everyone. The price you pay depends on factors such as your age, region, coverage type, and whether or not you include copayments or extras like dental or pharmacy coverage.

What Affects the Cost of a Sanitas Policy?

Age: Premiums rise with age — younger applicants pay less than older ones.
Region: Your province of residence affects pricing due to differences in local medical costs.
Number of people covered: Individual, couple, and family plans are priced accordingly. Sanitas often provides discounts for families and couples.
Plan type: Entry-level policies like Accede cost less than comprehensive options like Mas Salud Plus or Premium 500,000.
With or without copayments: Plans with co-payments are cheaper, while those without offer full coverage for a higher premium.
Extras: Adding dental, optical, or pharmacy coverage increases the cost.

Example: What You Might Pay

As of 2025, a 35-year-old living in Valencia might pay:

Approx. €35/month for a basic plan with copayments (Sanitas Accede)
Approx. €52/month for a comprehensive plan with copayments (Mas Salud Optima)
Approx. €85+/month for top-tier coverage without copayments including hospitalisation, maternity, and mental health support

Prices vary based on your personal quote and optional extras.

How Can You Lower Your Premium?

Choose a plan with copayments
Pay annually instead of monthly — Sanitas offers a 4% discount for annual payment
Only cover the services you need (e.g. outpatient only)