Sanitas Mas 90 Plus

Overview

Sanitas Mas 90 (with copayments) is a private medical plan that gives you fast access to doctors, specialists, diagnostic tests and hospital care through the Sanitas network in Spain, with small fixed copayments when you use services.

Unlike standard network-only plans, Mas 90 includes a built-in €90,000 reimbursement module. This allows you to use non-network providers in Spain or worldwide and claim back 70% of the costs, subject to the sub-limits and annual caps.

Visa / residency use: As this version includes copayments, it is not suitable for Spanish visa or residency applications as these require a policy without copayments.

What's included

This is a practical overview of services in the Sanitas network.

Co‑payments

This version of Mas 90 includes fixed copayments. In plain English: you pay a small amount each time you use a service in the network.

Copayments are collected monthly by direct debit, based on the services used in that period. If you use the reimbursement route outside the network, you pay the provider directly and then claim back the eligible percentage, with no copayments applicable.

Exact service categorisation (what falls into high-frequency vs other) is confirmed in the official policy documentation.

€90,000 reimbursement module

Mas 90 can be used in two distinct ways:

• Network route: You use Sanitas network doctors/centres in Spain and the costs are settled directly by Sanitas with no need to pay and reclaim.
• Reimbursement route: with the €90,000 reimbursement module, you can use non-network providers (in Spain and worldwide) and claim back a percentage of costs, up to the stated caps.

Important: The reimbursement module is not travel assistance. Travel assistance (overseas emergency cover) is included and is described in the included Add-ons section.

Key reimbursement conditions (€90,000 Euros module)

• Reimbursement percentage: 70% of eligible expenses, in Spain and abroad.
• Annual maximum per insured: €90,000 Euros per year, split into sub-limits shown below.
• How you claim: Pay the provider, keep the invoice/medical report/proof of payment, and submit a claim following the policy requirements.

Reimbursement limits table (€90,000 module)

These figures describe the reimbursement module limits. Eligibility rules, definitions, exclusions and claims requirements always apply.

Waiting periods (qualification periods)

Waiting periods are the minimum time you must be insured before you can access certain services. Most cover starts from the policy start date, but the services below require the stated qualification period.

*Emergency note: Qualification periods do NOT apply to accidents or illnesses that are sudden, life-threatening, and diagnosed after the policy start date.

Switching from another private insurer: If you are transferring from another insurer, waiting periods are waived for care provided through the Sanitas contracted medical network, subject to underwriting and acceptance. This does not automatically remove waiting periods for the reimbursement route.

Add‑ons

Mas 90 includes certain add-ons by default. Optional add-ons can be included at the application stage if required.

Included:

• Travel assistance / overseas emergency healthcare: Included benefit for medical emergencies abroad due to illness or accident, for care required within 90 consecutive days from the start of each trip. This cover is separate to the €90,000 reimbursement module and follows its own emergency-only rules.
• Sanitas Dental: Included dental programme providing access to around 60 dental services at no additional cost with the exception of a €3 co-payment per service, plus a 40% discount on all other dental treatments performed within the Sanitas dental network.

Optional add-ons:

• Work / traffic accident cover: Work or traffic accident-related care is excluded unless this add-on is contracted.
• Pharmacy supplement: Reclaim 50% of eligible prescription costs (up to €200 per year).
• Optical supplement: Reclaim 50% off the cost of spectacle lenses or contact lenses (up to €300 per year).
• Dental supplement options: Dental upgrades providing enhanced cover beyond the Sanitas Dental package that is included in the policy.
• Income protection: Pays you €60 per day to help cover incidental costs during hospital admission, when contracted.
• Accidental death cover: Insured-capital add-on in case of accidental death. €30,000 or €60,000 options available.

You can include add-ons at the application stage.

Eligibility, ages & payments

• Start dates: Policies start on the 1st of the month.
• Underwriting: Acceptance is subject to an assessment of your medical history.
• Payments: Monthly, quarterly, bi-annual or annual payment options.
• Age rules: The policy can be contracted up to and including 64 years of age. No maximum age to remain insured.

How to use the Mas 90 plan

1. For network care: Choose a doctor, specialist or hospital from the Sanitas network and follow the usual appointment/authorisation process.
2. For reimbursement care: Book your chosen provider, pay the invoice, and submit the required documentation to claim eligible reimbursement (70% subject to the module limits).
3. Copayments: When you use services within the Sanitas network in Spain, fixed copayments apply (including €3 per included dental service).

Keep invoices, medical reports and proof of payment for reimbursement claims, and submit them within 90 days of treatment as stated in the policy rules.

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