Cover & Services
Cover & Services of Healthplan Complete
Specifically designed for expatriates living 50/50 between Spain and another European country, the HealthPlan Complete is a comprehensive all round policy with no co-payments giving you the reassurance of seamless health insurance all year round.
The HealthPlan Complete includes full cover within the Sanitas network of doctors and hospitals and you pay nothing towards the costs. It then gives you 500,000 to spend outside the network in Spain and in your second European country, for which it becomes a 90% reimbursement policy*.
The limit for time spent outside of Spain is 6 months per year.
This policy also includes 10,000 worldwide travel assistance via Europ Assistance.
The HealthPlan Complete is also suitable if you are thinking of transferring your cover from BUPA U.K. or BUPA Global. For more information on BUPA transfers please click here
Please note: the HealthPlan Complete is suitable for residency / N.I.E. or visa applications.
Cover in a second European country as well as in Spain
Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain.
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual member support both online and over the telephone.
Policy documents are available in English or Spanish
With Sanitas you have access to an extensive network made up of top professionals covering every aspect of your health, offering the best treatment and medical services available in Spain.
What is covered?
100% cover of medical fees within the network / 90% cover of medical fees outside of the network in Spain
Initial choice of either 100% cover with BUPA in the U.K. OR 90% cover in any other designated european country*
Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
Access to all medical and surgical specialties:
Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Inpatient and outpatient
Diagnostic tests and therapies:
Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
A single room with a bed for your visitor when you are hospitalised (except for Psychiatric hospitalisation).
In collaboration with Europ Assistance - up to a limit of 10,000 per person, per claim. More information
Basic dental cover:
including checkups, x-rays, simple extractions and yearly teeth cleaning. If you need more comprehensive dental cover we have a range of options for you to choose from.
Gives you 60 different dental services plus a discount of 40% for all other services. (must be taken by all insured)
Dental Milenium (without co-payments)
Our Milenium dental plan includes 30 different services plus a discount of 40% for all other services (must be taken by all insured)
Get 24/7 access to doctors via video consultation, medication delivered to your location, request instant appointments and more (can choose which insured have the option).
- Can I use the HealthPlan Complete outside Spain?
Yes. The HealthPlan Complete will cover you in another European country of your choice on a 90% reimbursement basis. If your second country of choice is the United Kingdom and you use BUPA then the reimbursement level goes up to 100%.
- Do I have to pay co-payments on the HealthPlan Complete?
No. There are no co-payments with the HealthPlan Complete.
- What are pre-existing conditions and how do they apply to the HealthPlan Complete?
Pre-existing conditions relate to previous pathologies prior to the date of you contracting the HealthPlan Complete. If you have declared any pre-existing conditions on your application for the HealthPlan Complete one of our doctors will call you in confidence. From there a personal assessment will be made, which will guarantee the fairest and most comprehensive assessment of your health.
- Does the HealthPlan Complete cover antenatal care or childbirth?
Yes. The HealthPlan Complete will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
- Are there any qualification periods and how do they apply to the Complete plan?
All vital emergencies
High tech diagnostic tests
Other therapeutic methods
Sterilisation / Vasectomy
Hospitalisation (incl. childbirth)
Hospitalisation with surgery
- Is there an age limit on becoming a HealthPlan Complete member?
There is a contractual age limit of 74 years of age. After the age of 75 a one-off joining fee will initially be made when purchasing the HealthPlan Complete. There is no upper age limit for cover once contracted. There is no contractual age limit or joining fee if you are tranferring from BUPA U.K. or BUPA Global.
- Are there any discounts as a HealthPlan Complete member?
- The HealthPlan Complete mentions something about dental, what dental cover is included with this plan?
Within the HealthPlan Complete there are a few dental services including: cleaning once a year, consultations, X- rays and extractions. If you need more comprehensive dental cover then please see our range of dental plans here
- Is repatriation to my country of origin included?
- What documents do you need from me?
Nothing for now, however, we will need you to complete the application form.