Sanitas Mas Salud Optima is one of the most comprehensive network health insurance plans in the Sanitas portfolio, offering wide-ranging medical cover with access to more than 58,000 healthcare professionals, 4,500 partner centres and Sanitas' own hospitals. It includes full primary care, specialists, diagnostic tests, surgery, hospitalisation, therapeutic treatments, dental cover, and extensive digital healthcare services through the Mi Sanitas app.
Mas Salud Optima includes co-payments, making it a popular option for people who rarely visit the doctor but who still want reliable, comprehensive medical cover when it is needed. Digital services are fully integrated, providing immediate access to video GP appointments, specialist video consultations, emergency video consultations for adults and children, wellbeing programmes, a symptom checker, as well as digital physiotherapy and an online mental health programme.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Simple and complex diagnostic tests, X‑rays, ultrasounds
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
Important: This plan is not suitable for visa or residency applications. It does not meet the requirements for Spanish visas such as the Non Lucrative Visa or the Digital Nomad Visa. If you need visa-compliant health insurance, please consider one of the following non-copayment plans: Mas Salud, Top Quantum or Mas Salud Family.
What's included
Summary - exact limits are confirmed in the policy terms and conditions.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited consultations with general practitioners and all medical and surgical specialties within the Sanitas network.
Diagnostics
Yes
Covers simple and complex diagnostics: clinical analysis, x-rays, ultrasounds, CT, MRI, mammograms, endoscopies, antenatal tests and nuclear medicine.
Hospitalisation & Surgery
Yes
Inpatient and outpatient surgery in Sanitas network hospitals. Includes a single room and companion bed (except psychiatric hospitalisation).
Emergency care
Yes
24/7 emergency assistance throughout Spain, ambulance cover when medically required and emergency video consultations.
Maternity & Childbirth
Yes
Antenatal consultations, antenatal diagnostics, childbirth and hospital stay. Includes neonatal care in the first 48 hours. Also includes antenatal classes and an online pregnancy wellbeing programme.
Dental 21
Yes
30 dental services included at no cost, plus discounted rates on additional treatments.
Psychology
Yes
Up to 15 sessions per year with prior authorisation.
Home Services
Yes
Home visits by GP, paediatrics or nursing when the insured cannot travel.
Digital consultations
Yes
Video GP and specialist consultations, remote monitoring, personalised app and digital prescriptions.
Travel Assistance
Yes
Emergency medical cover abroad up to 12,000 EUR per claim for trips up to 90 days.
Co‑payments
How co-payments work - With Sanitas Mas Salud Optima, you only contribute when you use a service. Each consultation, test or treatment carries a small co-payment, which helps keep the monthly premium lower than other non copayment plans. Co-payments apply per insured person and reset at each policy renewal. There is no annual cap; the co-payments you make simply depend on the number and type of services you use during the year.
Below is the full co-payment schedule for Sanitas Mas Salud Optima:
Service type / frequency
Co‑payment
From 0 to 3 services
€4 per service
From 4 to 10 services
€7 per service
From 11 to 15 services
€10 per service
16+ services
€15 per service
Emergencies
€8
Complex diagnostic tests and therapies
€12
Physiotherapy sessions
€2
Ventilation and aerosol therapy
€1.33
Other respiratory therapies (oxygen and CPAP)
€0.67
Dental
€3 per service
Podiatry sessions
€3 per service
Antenatal classes
€20
Services are calculated per insured person per year. The cost per service resets at the annual renewal. Video consultations will have the same co-payment as the equivalent "in person" consultation.
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.
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 a 21% discount on all other services.
Travel assistance abroad: Emergency medical assistance up to €12,000 per person, per claim.
Optional add-ons:
Repatriation: Cover to arrange transport back to your home country in the event of death.
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.
Sanitas Dental: Includes 60 dental services with no co-payments and a 40% discount on additional treatments. Must be taken by all insured members.
Dental Premium: Includes 58 services such as fillings and reconstructions, plus a 40% discount on additional treatments. Must be taken by all insured members.
Dental Milenium: 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 different 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.
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 when getting your quote will include these discounts.
How to use the Mas Salud Optima plan
Choose a GP, specialist or hospital from the Sanitas network and make an appointment via the app or by phone.
Present your digital/physical card.
Co‑payments will be picked up with your next monthly premium; track everything in the app.
Compare Mas Salud Optima vs other comprehensive plans
Feature
Mas Salud Optima
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
Yes
No
No
Visa / residency compliant
No
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
optional
optional
Yes*
Family assistance
optional
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 Optima 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 Optima?
Pre-existing conditions refer to any medical issues you had before the date that you take out the Mas Salud Optima 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 Optima plan cover antenatal care or childbirth?
Yes. The Sanitas Mas Salud Optima plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member. Antenatal classes are included, together with an online pregnancy wellbeing programme.
Can I add comprehensive international cover to the Sanitas Mas Salud Optima 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 is a simplified summary. Always refer to the official terms for the complete exclusion list.
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 €36,00
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.
