Magnetic Resonance Imaging (MRI) is one of the most common diagnostic scans recommended by specialists in Spain. This Knowledge Hub guide explains how MRIs work, when they’re used, and how to access an MRI through Sanitas—whether you have a policy with or without co‑payments. We also cover authorisation, potential qualification periods, and what expats can expect at the appointment.
What is an MRI scan?
An MRI uses a strong magnetic field and radio waves to create detailed images of organs, soft tissues, joints and blood vessels. Unlike X‑rays or CT, MRI does not use ionising radiation. It is especially helpful for the brain and spine, muscles and ligaments, the abdomen and pelvis, and certain heart and vascular studies.
Common reasons you might be sent for an MRI
Persistent back or neck pain, numbness or weakness suggesting a nerve or disc problem
Unexplained headaches, fainting, seizures, or neurological symptoms
Knee, shoulder, hip or ankle injuries where ligament or cartilage damage is suspected
Abdominal or pelvic pain requiring a closer look at organs and soft tissues
Monitoring known conditions (e.g., multiple sclerosis) or clarifying unclear ultrasound/CT results
Start with a specialist referral. Your Sanitas GP or specialist evaluates your symptoms and, if appropriate, requests an MRI.
Authorisation. Complex diagnostic tests such as MRI require prior authorisation. You’ll receive approval details in the Mi Sanitas app or by email/SMS.
Book your appointment. Choose a centre from the Sanitas medical network. Many hospitals and diagnostic units let you book directly via the Mi Sanitas app or by phone.
Attend the scan. Arrive early, remove metal objects and follow safety instructions. If contrast is needed, you may be asked about kidney function or allergies.
Results & follow‑up. A radiologist reports to your requesting doctor, who will discuss next steps and any treatment.
Tip:
If you have implanted devices (e.g., pacemaker, cochlear implant, metal fragments), inform the centre in advance. Some devices are MRI‑conditional; the team will check safety before proceeding.
Will my Sanitas plan cover an MRI?
MRIs are included in most Sanitas plans. In general:
No‑copay plans (e.g., Más Salud ranges) include MRI with a fixed monthly premium. Authorisation and medical necessity still apply.
With‑copay plans include MRI, but a small per‑use copay may apply as per your policy terms.
Reimbursement options (e.g., in plans with out‑of‑network allowances) will allow you use a non‑network centre and claim a percentage back, up to limits.
Qualification periods apply for complex diagnostic tests for new members. If you’ve had continuous cover with another Spanish insurer, crediting previous insurance may reduce or eliminate qualification periods where applicable.
What an MRI appointment is like
You’ll usually lie on a padded table that slides into a tunnel‑like scanner. You must keep still while sequences are taken; you’ll hear rhythmic tapping or humming. Ear protection is provided. If you’re claustrophobic, tell the centre-open MRI or mild sedation options may be available where clinically appropriate.
Contrast, safety and side effects
Gadolinium contrast is sometimes used to better visualise tissues and blood vessels.
Adverse reactions are uncommon; the team screens for risk factors and monitors you during the scan.
Hydration after contrast helps your body clear it; follow any written instructions you’re given.
Costs and authorisation: what to expect
When medically necessary and authorised, MRIs performed within the Sanitas network are covered under your plan’s terms. If your policy has co‑payments, you will be charged the corresponding co-payments with your next monthly premium. If you use an out‑of‑network facility under a reimbursement benefit, keep the invoice and report, then submit via Mi Sanitas for assessment against your plan’s limits.
Authorisation can be obtained from customer services by calling the number on your membership card.
How quickly can I get an MRI?
Access times vary by location and clinical urgency. For urgent indications, your doctor can mark the request as priority. Non‑urgent scans are generally scheduled soon after authorisation. Using the Mi Sanitas app and being flexible with nearby centres can speed things up.
FAQs
Do I always need a referral for an MRI?
Yes. A Sanitas GP or specialist typically requests the scan and provides the clinical indication needed for authorisation and scheduling.
Are MRIs safe during pregnancy?
MRIs without contrast are generally considered when essential during pregnancy, especially after the first trimester. Contrast-enhanced MRI is avoided unless strictly necessary. Your clinician will weigh risks and benefits.
What if I’m claustrophobic?
Tell the centre in advance. Open MRI systems or mild sedation may be available where appropriate. Arriving early and using breathing techniques can also help.
Will I pay anything on the day?
You will only pay a fee on the day if you have a reimbursement policy and use a non network clinic.
Need an MRI or specialist referral?
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