Sanitas Mas Salud Family is the enhanced version of the standard Mas Salud plan, created specifically for families living in Spain who want full medical cover with zero co-payments. It includes the entire Sanitas national network of specialists, diagnostic tests, hospital cover, treatments, and preventive care — plus a set of exclusive family-focused benefits not included in other Mas Salud plans.
This plan is also fully compliant with Spanish visa and residency requirements, making it suitable for Non-Lucrative Visa (NLV) applicants, Digital Nomad Visa applicants, and families relocating to Spain who need proof of comprehensive health insurance.
The plan is ideal for families who need fast access to paediatrics, maternity care, antenatal tests, emergency services, mental health support, rehabilitation, dental cover, and ongoing specialist appointments. It also includes a private hospital room with a visitor bed, 24/7 emergency video consulations and international travel assistance of up to €12,000 per claim.
In addition to the full Mas Salud cover, the Family plan adds extra psychology sessions, speech therapy, home help during illness, children/elderly care support, and pharmacy delivery — making it one of Sanitas´ most comprehensive plans.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Simple and complex diagnostic tests, X‑rays, ultrasounds
Therapies Physiotherapy, speech therapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
What's included
Summary - exact limits are confirmed in the policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Full access to the entire Sanitas medical network, including unlimited consultations with general practitioners and all medical & surgical specialties.
Complete inpatient and outpatient surgery cover in Sanitas network hospitals, including a single room with a bed for a companion (except psychiatric hospitalisation).
Emergency care
Yes
24/7 emergency medical assistance across Spain, including urgent care, A&E, ambulance services when medically required, and 24/7 video emergency consultations.
Maternity & Childbirth
Yes
Includes antenatal consultations and diagnostic tests, childbirth, hospital stay and postnatal care. It also includes antenatal classes and an online pregancy wellbeing programme via the App.
Dental 21
Yes
30 services included free of charge, such as check-ups, X-rays, simple extractions and annual cleaning; discounts for additional treatments.
Speech therapy
Yes
20 sessions per year included — exclusive to Mas Salud Family (not included in other Mas Salud plans).
Psychology
Yes
20 sessions per year with authorisation plus an extra 40 additional sessions for eating disorders - 5 more than other Mas Salud plans
Home help
Yes
Up to 20 hours of home assistance during illness, plus up to 30 hours of childcare or elderly care support
Pharmacy delivery
Yes
ome delivery of prescription medication included as standard
Digital consultations
Yes
GP and specialist video consultations, wellbeing programmes, online emergencies and digital prescription services
Travel Assistance
Yes
Emergency medical assistance abroad up to €12,000 per person, per claim
Co‑payments
This plan has no co‑payments. All services within the Sanitas network are included in your premium.
Waiting periods (Qualification periods)
Waiting periods refer to the amount of time that must pass after joining a health insurance plan before you can access specific services. The only services subject to waiting periods are:
Service
Waiting period
All vital emergencies
0 months
Primary care: GP and specialist consultations, nursing, paediatrics, simple diagnostic tests
If you have held private health insurance in Spain with another insurer for at least one year, Sanitas will waive these waiting periods, with the exception of childbirth. Find out how to switch providers here.
Add‑ons
Included:
Dental 21: 30 dental treatments included, plus discounts on all other services.
Travel assistance abroad: Emergency medical assistance up to €12,000 per person, per claim.
Family assistance: Help with housework and childcare if you are sick.
Optional add-ons:
Repatriation: Cover to repatriate you to your country of origin in case of death. This add-on is required if you are applying for a visa or residency.
Pharmacy cover: Reclaim 50% of eligible prescription medication costs up to 200 Euros per contract year.
Clinica Universidad de Navarra: Access to 2 of Spain´s most prestigious non network hospitals.
Dental (without co-payments): Includes 60 dental services with no co-payments and a 40% discount on additional treatments. Must be taken by all insured members.
Dental Premium (without co-payments): Includes 58 services such as fillings and reconstructions, plus a 40% discount on additional treatments. Must be taken by all insured members.
Dental Milenium (without co-payments): Includes 30 dental services plus a 40% discount on additional treatments. Must be taken by all insured members.
Accidental death (€30,000 – €60,000): Compensation paid in case of death or permanent disability resulting from an accident. You can select which insured members include this option.
Optical: 50% reimbursement for contact lenses or spectacle lenses every year, when prescribed by a Sanitas optician.
Worldwide reimbursement* (50k – 300k): Allows you to visit doctors or specialists outside the Sanitas network, both in Spain and worldwide, and claim back part of the cost. Choose between several capital levels.
Income protection: Daily payment of 60 Euros per day during hospitalisation to help with additional personal expenses.
Add-ons can be included when completing the application form.
* Maximum age of contraction for this option is 64 years of age.
Eligibility, ages & payments
New contracts accepted up to age 75 inclusive.
No maximum age to remain insured.
4% annual payment discount if paying yearly.*
10% discount if 4 or more insured persons.*
Policy start date is always the 1st of the month.
*Prices indicated in your quote will include these discounts.
How to use the Mas Salud Family plan
Choose a GP, specialist or hospital from the Sanitas network.
Present your digital/physical card.
No co‑payments; track everything in the App.
Compare Mas Salud Family vs other comprehensive plans
Feature
Mas Salud Family
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
No
No
No
Visa / residency compliant
Yes
Yes
Yes
Dental
30 services
30 services
58 services
Travel assistance
12k Euros
12k Euros
15k Euros
Work/Traffic accidents
optional
optional
Yes
Out of network reimbursement
No
No
Yes*
Family assistance
Yes
optional
No
*For General medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics, osteopathy up to 10,000 Euros per person per year
FAQ
Can I use the Mas Salud Family plan outside of Spain?
Yes. In an emergency you can use your travel assistance cover up to €12,000 per claim.
What is a network policy?
A network policy means you receive your care from doctors, hospitals and dentists that are contracted with Sanitas. You can view the full Sanitas medical network inside your online account once your policy is active.
What are pre-existing conditions and how do they apply to the Sanitas Mas Salud Family plan?
Pre-existing conditions refer to any medical conditions that existed before the start date of your Mas Salud Family plan. If you declare a pre-existing condition on your application, a Sanitas doctor will contact you confidentially to review your case. This allows us to provide a fair, accurate and personalised assessment of your health.
Does the Sanitas Mas Salud Family plan cover antenatal care or childbirth?
Yes. The Sanitas Mas Salud Family plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
Can I add comprehensive international cover to the Sanitas Mas Salud Family plan?
Yes. you can choose from €50k, €100k, €150k, €200k or €300k cover per year, all at a rate of 80% reimbursement. The maximum age for contracting this additional cover is 64 years.
What documents do you need from me?
Nothing further is needed at this stage. If you would like to proceed, we will need you to complete the application form. Please obtain a quote if you have not already done so; once you see your price, a link to the application form will appear directly beneath it.
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.
Abortion.
Surgical procedures for conditions such as Parkinson´s disease, epilepsy, 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 summary is for guidance only; the full exclusions are detailed in the official policy documentation.
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 €62,70
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 75, but once enrolled, there is no age limit to keep the coverage.
