Healthplan Spain

Sanitas Mas 90 Plus

Cover in Spain + 70% worldwide from €63,41 / Month

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Cover & Services

Cover & Services of Sanitas Mas 90 Plus

The Sanitas Mas 90 Plus is a comprehensive all round policy covering you in Spain and worldwide with co-payments. You can use Sanitas doctors / hospitals / specialists with 100% cover, or alternatively, you have the choice of any other medical provider outside of the Sanitas network in Spain or worldwide. When you need to use services outside of our network or worldwide we reimburse you 70% of the overall cost for the treatment you have received.

This policy also comes with Sanitas Dental at no extra cost.

Please note: the Sanitas Mas 90 plus is NOT suitable for residency / N.I.E. or visa applications.

COVID-19 Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
Medical fees Medical fees:
100% cover of medical fees in Spain + 70% reimbursement outside the Sanitas network + worldwide
Co-payments Co-payments:
The Mas 90 Plus plan comes with small co-payments(excesses) for services used. (Please see the FAQ tab for further details).
Choose Doctor Choose your own doctor:
With Sanitas MAS 90 you not only have access to the whole Sanitas network, but you can also visit any other healthcare centre or doctor of your choice, whether in Spain or anywhere else in the world.
Discounts With more discounts:
An extra discount of 10% for families of 3 or 4 insured members and a discount of 15% for families with 5 or more insured members.
Online Account Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual Multi-lingual:
Multi-lingual member support both online and over the telephone.
Multi-lingual Extensive network:
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?

Medical Fees Medical Fees:
100% cover of medical fees within the network + 70% cover of medical fees (up to 90,000 per person) outside of the network in Spain and worldwide.
Doctor Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
medical and surgical specialties Access to all medical and surgical specialties:
Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Surgery Surgery:
inpatient and outpatient
Diagnostic tests Diagnostic tests and therapies:
Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
Medical Services High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Psychology services Psychology services:
Treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
Protection for the Family Protection for the Family:
In the event that the policy holder dies, the other beneficiaries also covered by the policy will not have to pay the premium for six months.
Single Room Single Room:
A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
Travel Assistance Travel Assistance:
In collaboration with Europ Assistance - up to a limit of 12,000 per person, per claim. More information
Dental Dental coverage:
Sanitas Dental is FREE with the Sanitas Mas 90 plan and give you access to all our dental centres and dentists in our dental network.
Extra Options

Extra Options

Included free with this plan:
Dental Sanitas dental
Gives you 60 different dental services plus a discount of 40% for all other services. (FREE)


Optional Extra Options

That can be added to this plan:
Work / Traffic accidents Work / Traffic accidents
Guarantees medical assistance if you are in a work or traffic accident. (must be taken by all insured / under 18 is FREE)
Pharmacy Pharmacy
Get 50% off your pharmacy costs. (must be taken by all insured)
Accidental death Accidental death €30,000 - €60,000
Provides you or your family with compensation of €30,000 or €60,000 in case of death or permanent disability resulting from an accident. (can choose which insured have the option)
Optical Optical
Receive 50% reimbursement on your contact lenses and spectacle lenses every year when prescribed by a Sanitas optician. (must be taken by all insured)
Optical Optical individual
Receive 50% reimbursement on your contact lenses and spectacle lenses every year when prescribed by a Sanitas optician. (can choose which insured have the option)
Repatriation Repatriation
Cover to repatriate you (+ 1 member of your existing family or a friend) to your country of origin in case of death. (must be taken by all insured)
Income protection Income protection
Provides €60 per day for out of pocket expenses in case you are hospitalised. (can choose which insured have the option)


Is Corona virus (COVID-19) covered on this policy?

Coronavirus (COVID-19) is fully covered on this policy. For more information please click here

Is the Sanitas Mas 90 Plus plan suitable for visa or residency applications?

No. This is because it has co-payments (excesses) - the authorities will only accept policies without co-payments for residency and / or visa applications.

What is a Network policy?

A network policy requires you to use doctors, hospitals and specialists who are contracted to provide services for Sanitas. Details of the Sanitas network are available on this site by clicking here. They will also be available inside your online account after you have purchased.

What is a reimbursement policy?

With a reimbursement policy you can go to doctors or hospitals outside of the network, both in Spain and abroad and claim back the cost. The Mas 90 Plus comes bundled with a reimbursement module giving the insured up to €90,000 worldwide reimbursement cover.

What are co-payments and how much are they for the Sanitas Mas 90 Plus?

Co-payments are like excesses and they are charged for each service you use. The Sanitas Mas 90 Plus plan comes with co-payments. Co-payments are collected every month from your account if services have been used.

Registered Nurse
General medicine
General paediatrics
Sanitas 24 Hours
All other services
What is the difference between this plan and the other Sanitas Mas 90 plan?

The only differences are that on this plan (Sanitas Mas 90 Plus) there are co-payments (excesses). (Please refer to the previous Q+A above to view the co-payment allocations).

What are pre-existing conditions and how do they apply in the Sanitas Mas 90 Plus?

Pre-existing conditions relate to medical history prior to the date of you contracting the Sanitas Mas 90 Plus. If you have declared any pre-existing conditions on your application for the Sanitas Mas 90 Plus then 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.

What are qualification periods and how do they apply on the Sanitas Mas 90 plan?
Qualification Period
Outpatient surgery
3 Months
Complex diagnostic tests (e.g. CAT/MRI)
6 Months
6 Months
8 Months
Non emergency admissions to hospital
10 Months
Complex therapies (e.g. chemotherapy)
10 Months
Tubal ligation (sterilisation) & vasectomy
10 Months
Does the Sanitas Mas 90 Plus plan cover antenatal care or childbirth?

Yes. The Sanitas Mas 90 Plus plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.

Are there any discounts for the Sanitas Mas 90 Plus plan?
Number of people insured
3 upwards
5 and upwards
Annual Payment
Bi-annual payment
Is there an age limit on becoming a Sanitas Mas 90 Plus member?

The maximum contractual age is 64 years. Once the contract is in place, there is no upper age limit for the policy to remain in force.

The Sanitas Mas 90 Plus plan mentions something about dental, what dental cover is included with this plan?

There are 50 services included with Sanitas Dental and discounts of up to 40% for all remaining services. If you use discounted services, we will also reimburse you up to 200 euros (per year) for the treatments you need.

Is repatriation to my country of origin included?


I want to join and become a member, what is the next step?

If you want to join then you will need you to complete our online application form. If you have already requested a quote then these details will already be autofilled on your application form.

If I complete the online application what happens next? Am I committed to the insurance?

After you have completed our online application form (and you have sent back requested signed copies to us) you will receive a call from one of our Sanitas doctors who will assess any medical history. After the assessment is complete it is then down to you to accept the policy on those terms. If there is no medical history involved then we will call you to accept the policy instead.

Terms & Conditions

Premium from €63,41

Premiums valid during the first year for all new members with effective date from 01/04/2024 to 31/12/2024. All premiums are subject to 0.015% Insurance Compensation Consortium tax. Maximum age to contract this policy is 64 years of age. Real time quotes will vary depending on age and the place of residence of the insured. Terms and conditions apply.


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