Sanitas Mas 90 (without copayments) is a private medical plan that gives you fast access to doctors, specialists, tests and hospital care through the Sanitas network in Spain, with no per-visit charges.
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.
GPs & specialists Network access in Spain
Diagnostics Tests and imaging via network pathways
Hospital care Hospitalisation and surgery in-network
Visa / residency use: This plan is commonly used for Spanish residency and visa processes because it is private, comprehensive and contracted without copayments.
What's included
This is a practical overview of services in the Sanitas network.
Benefit
Included
Notes / Limits
GP & specialist consultations
Yes
Consultations with psychologists and physiotherapists require a referral and authorisation
Diagnostics & tests
Yes
Routine and specialist diagnostics via network referral pathways
Hospitalisation & surgery
Yes
Authorisation is required prior to admission unless a life threatening emergency
Emergency care in Spain
Yes
Access to emergency services, centres and ambulance services
Sanitas Dental
Yes
Access to 65+ services free of charge. Also includes reimbursement of 60% (up to €200 per year for paid treatments)
Maternity & childbirth
Yes
Cover for antenatal care, childbirth and postnatal care, plus antenatal classes and an online pregnancy wellbeing programme through the app
Family planning
Yes
Includes procedures/services subject to policy terms (some items such as IUDs will be at the insured’s cost)
Copayments
No
This version is contracted with zero copayments
€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 only in the included Add-ons section.
Surgical fees (caps by OMC group): €415 to €4,800 per intervention (groups 0–8)
B) Outpatient care
€18,000 / year
Primary care consultation: €45
Specialist consultation: €95
Ground ambulance: €455
Dentistry (limited): extractions / cures / cleaning up to €258
C) Prostheses
€2,000 / year
Prostheses reimbursement subject to eligibility definitions and documentation requirements.
D) Psychiatry
€905 / year
Psychiatry has its own annual cap and also sits within the module’s overall structure.
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.
Service
Contracted medical network
Reimbursement module
Life-threatening / vital emergencies*
0 months
0 months
Outpatient surgical procedures (OMC groups 0–II)
3 months
3 months
Complex diagnostic tests
6 months
6 months
Psychology
6 months
6 months
Child delivery or caesarean section (except premature birth under 37 weeks)
8 months
8 months
Complex therapeutic methods
10 months
10 months
Vasectomy and tubal ligation
10 months
10 months
Hospitalisation and surgery (OMC groups III–VIII)
10 months
10 months
Bariatric surgery for morbid obesity
60 months
60 months
*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: Road-accident-related care is generally excluded unless this add-on is contracted.
Pharmacy supplement: Optional cover to reclaim a portion of eligible prescription costs.
Optical supplement: Optional cover to reclaim a portion of eligible optical expenses.
Dental supplement options: Optional dental upgrades providing enhanced cover beyond the included Sanitas Dental programme.
Income protection: Optional daily benefit to help cover incidental costs during hospital admission, when contracted.
Accidental death cover: Optional insured-capital add-on in case of accidental death.
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 health declaration and underwriting rules.
Payments: Monthly 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
For network care: Choose a doctor, specialist or hospital from the Sanitas network and follow the usual appointment/authorisation process.
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).
No copayments: There are no per-visit copayments on this version of the plan, with the exception of included dental services.
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.
Compare Mas Salud vs Top Quantum vs Mas 90
Feature
Mas Salud
Top Quantum
Mas 90 (No Copayments)
Private network in Spain
Yes
Yes
Yes
Hospitalisation & surgery
Yes
Yes
Yes
Copayments
No
No
No
Reimbursement module
Optional
Optional
€90,000 module
Work/Traffic accident cover
Optional
Yes
Optional
Travel assistance abroad
Yes €12,000
Yes €15,000
Yes €12,000
Visa / residency suitability
Often used
Often used
Often used
FAQ
Does Mas 90 have copayments?
No - this version is contracted with zero copayments (with the exception of included dental services). You pay your premium only.
What are pre-existing conditions and how do they apply in the Sanitas Mas 90?
Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Mas 90. If you have declared any pre-existing conditions on your application for the Sanitas Mas 90 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.
Is the €90,000 reimbursement module included automatically?
Yes. The €90,000 reimbursement module is an integral part of the Mas 90 policy. This plan is specifically designed to combine access to the Sanitas medical network with reimbursement-based care, subject to the stated percentages, sub-limits and annual caps.
Are there any discounts for the Sanitas Mas 90 plan?
Condition
Discount
3 insured persons or more
10%
5 insured persons or more
15%
Annual payment
4%
Bi-annual payment
2%
Discounts are applied according to eligibility and payment method and may not be cumulative. Final pricing is confirmed in your personalised quote.
Is travel assistance part of the reimbursement module?
No. Travel assistance (overseas emergency cover) is a separate but included add-on and should not be confused with the reimbursement module.
Can I mix network and reimbursement for the same treatment?
No. You use either the network route or the reimbursement route for a given episode of care, following the rules for that route.
Are road accidents covered?
Road-accident-related cover is generally excluded unless the relevant add-on (work/traffic accidents) is contracted.
Is repatriation to my country of origin included?
No, but it can be included if required - you can add this when you complete the application form.
What documents do you need from me in order to start the process?
Nothing for now, however, we will need you to complete the application form. Please ensure you get a quote first of all, once you see the price you will then see a link to the application form.
Any condition, illness, injury or symptom that existed before joining and was not properly declared/accepted under underwriting rules.
Healthcare delivered outside the appointed network, except where reimbursement applies and all reimbursement conditions are met.
Care linked to chronic alcoholism, drug dependency or substance abuse.
Injuries or illnesses resulting from war, terrorism or insurrection.
Care associated with workplace accidents, unless covered under a contracted add-on.
Road accident-related care, except urgent care in emergencies or where the relevant add-on has been contracted.
Services, treatments or situations excluded by the policy definitions (always check the full wording for the complete list).
This is a summary. Always check the policy wording for the full exclusions list, definitions and conditions.
Contract term and cancellation
Policies are contracted on an annual basis and can be paid monthly, quarterly, bi-annually or yearly.
Cancellation requires 1 month´s notice in advance of the policy renewal date.
Premium from €83,70
Premiums are valid for new policyholders who enroll between April 1, 2026, and March 31, 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be applied to these premiums. Premiums may vary depending on the policyholder’s place of residence. The maximum age to purchase this insurance is 64, with no age limit for continued coverage. A new policyholder is someone who has not been insured under any other Sanitas policy in the 6 months immediately before joining the new one.
