Sanitas Avanza is designed for full time residents in Spain and gives you comprehensive, high quality primary health care for those who want rapid access to outpatient care without paying for full hospital cover. It offers an economical option for private medical insurance while keeping premiums low through a co‑payment structure.
Ideal for those already covered by Spain’s public healthcare system, Avanza ensures shorter waiting times, nationwide access to the full Sanitas network, plus digital services and online video consulations. Compared to Accede, it includes additional cover for complex diagnostic tests such as CAT and MRI scans. Whereas the Accede does not include any surgical procedures, the Avanza covers over 400 outpatient surgical procedures, which account for 60% of surgical procedures authorised by Sanitas each year.
Primary & specialists Unlimited visits across the Sanitas network
Diagnostics Simple diagnostic tests, X‑rays, ultrasounds and high‑tech imaging
Therapies Physiotherapy and all types of therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
Important: This policy is NOT suitable for visa or residency applications. Avanza is designed to complement Spain’s public system. If you require a plan that includes hospital cover, consider a full hospitalisation plan (e.g., the Mas Salud range or Top Quantum).
What's included & key limits
Summary — exact limits confirmed on your quote and in policy terms.
Check‑ups, scale and polish, wound treatments and simple extractions
Hospitalisation
No
Not covered by Avanza
What's NOT included
Benefit
NOT Included
Notes / Limits
Complex therapies
No
Not covered by Avanza
Hospitalisation
No
Not covered by Avanza
Inpatient surgery
No
Not covered by Avanza
Travel assistance outside Spain
No
Not covered by Avanza
Co‑payments
What is a co‑payment? A co‑payment is a small, fixed fee that you only pay when you use a service (for example, a specialist visit or a diagnostic test). It helps keep the monthly premium low. Co‑payments are counted per insured person, per policy year. Once you hit the annual cap, you pay nothing further for services for the rest of that policy year.
Below is the full co‑payment schedule for Sanitas Avanza, including the annual cap:
Service type / frequency
Co‑payment
From 0 to 6 services
€0
7 to 15 services
€5 per service
More than 15 services
€10 per service
Emergencies
€8
Diagnostic tests, therapeutic methods, and surgical procedures
€12
Single co‑payment for high‑frequency services*
€20
Annual limit per insured person
€350**
*Physiotherapy (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 4 GP/specialist visits (€0 each), 1 emergency visit (€8), and 2 diagnostic tests (€12 + €12), your total co‑payments would be €32 for the year so far—well below the €350 annual limit.
Waiting periods (Qualification periods)
Outpatient consultations have no qualification periods. Certain services carry a short waiting period after your policy start date.
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 the rest of treatments versus paying without insurance.
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 up to €300 per person per year.
Accidental death Coverage: Pays you €30,000 or €60,000 in the event of death.
Eligibility, ages & payments
New contracts accepted up to and including age 59.*
Designed for full time 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 Avanza
Choose a GP or specialist from the Sanitas network via the App.
Present your digital/physical card — no upfront payment for outpatient care.
Co‑payments (if any) are debited by Sanitas with your next monthly premium; track everything in the App.
Compare Avanza vs full hospital plans
Feature
Avanza
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Outpatient surgery
Yes (minor)
Yes
Yes
Hospitalisation
No
Yes
Yes
Co‑payments
Yes (with annual cap)
Options (with and without)
No
Visa compliant
No
Yes (no co‑pay version)
Yes
FAQ
Will Sanitas Avanza offer me the flexibility to choose my own appointments when and where I please?
Yes, you will be able to see a doctor or consultant and have tests done very quickly by choosing any provider in the Sanitas network.
Can I use Sanitas Avanza outside Spain?
No, Sanitas Avanza does not cover you outside of Spain.
What are Co‑payments and how much are they for Sanitas Avanza?
A co‑payment is a small fixed fee that you pay when you use a service. There is also an annual €350 cap per insured person. See the full co‑payment table above.
What are pre‑existing conditions and how do they apply to the Sanitas Avanza?
Pre‑existing conditions relate to medical conditions that existed prior to the date of you contracting the Sanitas Avanza. If you have declared any pre‑existing medical conditions on your application for the Sanitas Avanza, 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 Avanza cover antenatal care or childbirth?
No, Sanitas Avanza 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.
Does the Sanitas Avanza have qualification periods?
Sanitas Avanza has two qualification periods:
Outpatient surgery: 3 months.
Complex diagnostic tests: 6 months.
Is there an age limit on becoming a Sanitas Avanza member?
The Sanitas Avanza can be contracted from the ages of 0‑59 years inclusive. 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 Avanza member you will receive a Sanitas 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 card to 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.
This is a brief overview only — the complete list of exclusions is set out in the official policy terms.
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.
Premiums from €33,60
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.
