Sanitas Accede is designed for residents in Spain who want rapid access to quality outpatient care without paying for full hospital cover. It offers affordable entry into private healthcare while keeping premiums low through a co‑payment structure.
Ideal for those already covered by Spain’s public healthcare system, Accede ensures shorter waiting times, nationwide access to Sanitas specialists, and essential diagnostic and therapeutic services. Compared to Mas Salud, it omits hospitalisation but retains the same high‑quality network and customer service, making it a smart option for everyday health management and preventive care.
The plan focuses on unlimited GP and specialist visits, digital healthcare tools, and simple diagnostic tests, giving members flexibility, choice, and peace of mind.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Lab tests, X‑rays, ultrasounds
Therapies Physiotherapy and simple therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
Important: Accede is designed to complement Spain’s public system. If you require private hospital cover, consider a full hospitalisation plan (e.g., Más Salud or Top Quantum).
What's included & key limits
Summary — exact limits confirmed on your quote and in policy terms.
Benefit
Included
Notes / Limits
GP & specialists
Yes
Unlimited consultations in network
Diagnostics
Yes
Lab tests, radiology, ultrasound
Physiotherapy
Yes
Unlimited but subject to authorisation
Psychology
Yes
15 sessions per person, per year
Dental basics
Included*
Consultations, scale & polish, simple treatments and extractions
Hospitalisation
No
Not covered on Accede
What's NOT included
Benefit
NOT Included
Notes / Limits
Hospitalisation
No
Not covered on Accede
All forms of surgery
No
Not covered on Accede
Complex diagnostics & therapies
No
Not covered on Accede
Travel assistance outside Spain
No
Not covered on Accede
How co‑payments work
With Sanitas Accede, you only contribute when you actually use a service. Each visit or test carries a modest co‑payment that helps maintain one of the lowest monthly premiums in Spain. These amounts apply per insured person and reset every policy year. Once your total co‑payments reach the annual ceiling, every other covered service for the rest of the year is free of charge.
Below is the full co‑payment schedule for Sanitas Accede, including the annual cap:
Service type / frequency
Co‑payment
From 0 to 15 consultations
€5 per consultation
16+ consultations
€10 per consultation
Emergencies
€8
Simple diagnostic tests and therapies
€12
Dental
€3 per service
Podiatry sessions
€3 per service
Single co‑payment for high‑frequency services*
€20
Annual limit per insured person
€290**
*Physiotherapy, antenatal classes (10 sessions), ventilation therapy (15 sessions), and oxygen therapy (30 days for BiPAP and CPAP and 15 days for aerosol).
**Services are calculated per insured person per year. If the insured person reaches the annual co‑payment limit, Sanitas covers the remainder; no additional co‑payments apply for the rest of the policy year. The cap resets at renewal.
Quick example: If you make 2 GP/specialist visits (€5 each), 1 emergency visit (€8), and 2 diagnostic tests (€12 + €12), your total co-payments would be €42 so far. Sanitas sets a yearly co-payment maximum of €290 per insured person — if your co-payments go over €290 in that year, anything above €290 is covered by Sanitas, so you don’t pay any more co-payments until the policy renews.
Waiting periods (Qualification periods)
This plan has no waiting periods.
Add‑ons
Dental Coverage: Add the dental supplement Sanitas Dental Milenium or Sanitas Dental Premium to your policy, with a large number of services included and discounts of up to 40% on all other treatments.
Pharmacy Coverage: Reclaim 50% of your prescription costs (spend €400 get €200 back).
Optical Coverage: Reclaim 50% of the cost of contact lenses or spectacle lenses.
Accidental death €30,000 or €60,000: Optional cover providing €30k/€60k insured capital.
*Add-ons can be included when completing the application form.
Eligibility, ages & payments
New contracts accepted up to and including age 59.*
Designed for residents (NOT residency or visa‑compliant).
Low monthly premium plus co‑payments for services used.
Policy starts on the 1st of a month.
*Subject to underwriting and current product rules.
How to use Accede
Choose a GP or specialist from the Sanitas network.
Present your digital/physical card — no upfront payment.
Co‑payment (if any) is billed by Sanitas; track everything in the app.
Compare Accede vs full hospital plans
Feature
Accede
Mas Salud range
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Outpatient surgery
No
Yes
Yes
Hospitalisation
No
Yes
Yes
Co‑payments
Yes (with annual cap)
Options (with & without)
No
Visa compliant
No
Yes
Yes
FAQ
Will Sanitas Accede offer me the flexibility to choose my own appointments when and where I please?
Yes. Sanitas Accede is a good entry level if you already have social security cover. You will be able to see a GP or consultant and have tests done very quickly, using the best hospitals, clinics and high tech equipment available. No more waiting in social security hospitals.
Can I use Sanitas Accede outside Spain?
No, Sanitas Accede does not cover you outside of Spain.
What are Co‑payments and how much are they for Sanitas Accede?
A co‑payment is a small fixed fee you pay when you use a covered service. See the full co‑payment table above.
What are pre‑existing conditions and how do they apply in the Sanitas Accede?
Pre‑existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Accede. If you have declared any pre‑existing medical conditions on your application for the Sanitas Accede 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 Sanitas Accede cover antenatal care or childbirth?
No, Sanitas Accede does not cover antenatal care or childbirth.
Sanitas Accede mentions something about dental, what dental cover is included with this plan?
Within Sanitas Accede there are a few dental services including: scale and polish once a year, consultations, simple extractions and wound treatments. If you need more comprehensive dental cover then please see our range of dental plans here.
Is there an age limit on becoming a Sanitas Accede member?
The Sanitas Accede can be contracted from the ages of 0‑59 years. Once a policy is contracted there is no upper age limit to remain insured.
Do I have to pay anything when I attend my appointments?
No. As a Sanitas Accede member you will receive a Sanitas HealthPlan membership card. Each time you attend an appointment your card will be swiped at reception to record your visit and the details of any applicable co‑payments. Please note: You can only present your to card Sanitas providers. Your online guide to Sanitas providers is available inside the app. Co‑payments relating to the services used will be collected with your next monthly premium.
Treatment received in medical centres that are not part of the Sanitas network.
Care required as a result of chronic alcoholism, drug dependency or substance abuse.
Child birth.
Abortion.
Surgical procedures for conditions such as Parkinson´s disease, epilepy, or involving radio surgery.
Any type of vaccine or autovaccination.
Therapies or treatments based on alternative medicine.
Injuries or illnesses resulting from acts of war, terrorism or insurrection.
Contract term and cancellation
All policies are contracted on an annual basis. Cancellation can only be made by giving one month´s notice of cancellation in advance of the policy renewal date.
Premium from €22,10
Premiums listed are valid for new policyholders who sign up between April 1 2026 and March 31 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be added to the premiums. Premiums may vary depending on where the policyholder lives. The maximum age to purchase this insurance is 59, but once enrolled, there is no age limit to keep the coverage. A new policyholder is someone who hasn’t had any other Sanitas policy in the last 6 months before joining this one.
