Is Mental Health Care Covered by Sanitas Health Insurance?

Mental health is just as important as physical health. For expats and residents in Spain, knowing what’s included in your Sanitas health insurance is essential for accessing the right support when you need it.

Sanitas does offer mental health coverage across many of its health insurance plans. The scope of cover depends on your plan type, whether it includes co-payments, and whether you need outpatient or inpatient care.

 

What Mental Health Cover Does Sanitas Provide?

Most Sanitas plans include some level of mental health care, especially for outpatient psychiatric and psychological support. Here’s how coverage typically works:

• Psychiatry and psychology sessions are included in outpatient benefits on most plans.
• Inpatient psychiatric hospitalisation is included in all plans that have cover for hospitalisation.
• A Sanitas-authorised doctor must prescribe or refer you for mental health treatment.
• Session limits apply: The number of covered sessions per year varies by plan.

This means you may be eligible for support with conditions like:

• Anxiety and panic attacks
• Depression
• Stress
• Insomnia and sleep disorders
• Eating disorders (on specific plans)

Most plans also include telephone-based emotional support services and online health platforms for remote consultations.

 

Does Sanitas Cover Pre-Existing Mental Health Conditions?

Pre-existing mental health issues are assessed as part of the application process. In many cases, the conditions can be covered, including the issuing of prescriptions for the purchase of medication.

 

What Limitations Should You Know About?

• Coverage varies by plan: Entry-level plans (e.g. Accede or Avanza) offer less support than comprehensive options (e.g., Mas Salud plans, and international cover plans like Mas 90 or Premium 500 plans).
• Session limits: All policies cap the number of psychology or psychiatry sessions per year.
• No cover for chronic psychiatric conditions: Long-term or irreversible mental health disorders are usually excluded.
• Hospitalisation limits: Inpatient psychiatric care is always limited to 50 days per year.
• Pre-approval and referrals: Treatment must be prescribed or referred by a Sanitas-authorised doctor.

 

What’s the Best Way to Get Mental Health Support Through Sanitas?

If you’re already a Sanitas member:

• Log in to the Sanitas app or website to request an appointment with a GP or mental health specialist. These appointments can be in person or via video or telephone consultations.
• Check your policy documents or contact customer support to confirm your coverage and session limits.
• Obtain authorisation for your sessions via the Sanitas app.

If you’re not yet covered and want to prioritise mental health:

• Consider comprehensive plans such as the Sanitas Mas Salud range of plans for affordable outpatient mental health care
• Or Sanitas Mas Salud Family for higher session allowances

 

Summary: Mental Health Cover with Sanitas

• Outpatient psychiatric care is included in many Sanitas plans.
• Inpatient psychiatric care is only included in plans that include hospitalisation.
• Pre-existing mental health conditions are in most cases covered unless specifically rejected during underwriting.
• Coverage varies depending on your plan.
• Session limits and exclusions apply, especially for chronic or long-term conditions.

Need support for mental health in Spain?
Sanitas plans include psychological care options — and some even cover inpatient psychiatric treatment.

 

Get a quote and compare plans