Sanitas Mas Salud Optima

Cover & Services

Cover & Services of Mas Salud Optima

The Sanitas Mas Salud Optima is specifically for those who are already resident in Spain. It provides you with 100% cover in Spain and access to all the facilities and specialists within the Sanitas network. It also comes bundled with dental cover giving you access to all of our Millenium dental centres plus all the regular centres within the Sanitas network. The Mas Salud Optima is the most economically priced of the three Mas Salud plan policies and comes with co-payments (excesses). As with the other Mas Salud plans, you may choose additional services as part of your cover.

Right now you can receive up to 14% off your insurance with us (families of 4 or more insured). Get an instant quote and take advantage now with our low premiums!

Please note: The Mas Salud Optima is NOT suitable for residency, NIE or visa applications.

Medical Fees: 100% cover of medical fees
Choose Service Provider: Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain..
Online Account: Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual Support: Multi-lingual member support both online and over the telephone.
Policy Documents: Policy documents are available in English / Spanish / German / French
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?

Primary Healthcare + hospitalisation: Including general medicine, nursing services, emergencies.
Access to all medical and surgical specialties: cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Surgery: Inpatient and outpatient
Diagnostic tests and therapies: Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
High tech therapies: Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Psychology services
Single Room: A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
Travel Assistance: in collaboration with Europ Assistance - up to a limit of 12,000 per person, per claim. More information
Dental cover: With Dental 21 you receive 30 services free including checkups, x-rays, simple extractions and yearly teeth cleaning. If you need more comprehensive dental cover we have a range of options for you to choose from.

Extra Options

Included free with this plan:

Dental21 Gives you 30 different dental services and a discount of 21% for all other services. (FREE)

Optional Extra Options

That can be added to this plan:

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 Get 50% off your pharmacy costs. (must be taken by all insured)
Dental (without co-payments) Gives you 60 different dental services plus a discount of 40% for all other services. (must be taken by all insured)
Premium dental (without co-payments) Gives you 58 different dental services including fillings and reconstruction plus a discount of 40% for all other services. (must be taken by all insured)
Dental Milenium (without co-payments) Our Milenium dental plan includes 30 different services plus a discount of 40% for all other services (must be taken by all insured)
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 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 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)
worldwide reimbursement 50k - 300k Our worldwide reimbursement options give you the flexibility to visit the medical specialist of your choice outside the Sanitas network, both in Spain and worldwide. (can choose which insured have the option)
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 Provides €60 per day for out of pocket expenses in case you are hospitalised. (can choose which insured have the option)

FAQ

Can I use the Sanitas Mas Salud Optima outside Spain?: Yes. In an emergency you can use your travel assistance cover up to €10,000 per claim.

What is a Network policy?: A network policy requires you to use doctors, hospitals and dentists 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 this policy.

What are co-payments and how much are they for the Sanitas Mas Salud Optima?

Co-payments are like excesses and they are charged for each service you use. Co-payments are collected every month from your account on file. The following illustration details the co-payments for the Sanitas Mas Salud Optima. The amount of the co-payment that you pay depends upon how many times you have already used services in the year - When the policy renews the services are reset back to zero services used.

Services used

Mas Salud Optima Co-payments

0-3

€4

4-10

€7

11-15

€10

16+

€15

In instances where you require a course of services these are charged at special rates with a one off payment. These include:

Physiotherapy (10 treatment sessions)
Oxygen Therapy (30 days)
Aerosol Therapy (15 days)
Ventilotherapy (15 days)
Antenatal Classes

What are pre-existing conditions and how do they apply to the Sanitas Mas Salud Optima plan?: Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Mas Salud Optima. If you have declared any pre-existing conditions on your application 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.

Does the Sanitas Mas Salud Optima cover antenatal care or childbirth?: Yes. The Sanitas Mas Salud Optima will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.

What are qualification periods and how do they apply with regard to the Sanitas Mas Salud Optima?: Treatments

Qualification Periods

All vital emergencies

immediate

Outpatient surgery

3 months

Radiotherapy

6 months

Chemotherapy

6 months

Cobalt therapy

6 months

Radioactive Isotope therapy

6 months

MRI scans

6 months

Nuclear medicine

6 months

Radio Neuro surgery

6 months

Bone Densitotherapy

6 months

Psychology

6 months

High tech diagnostic tests

6 months

Temporary incapacity

8 months

Hospitalisation (inpatients)

10 months

Hospitalisation (day patients)

10 months

Hospitalisation (childbirth)

8 months

Bariatric surgery

70 months

Is there an age limit on becoming a Sanitas Mas Salud Optima member?: Initially you may contract this policy up to age 74. There is no upper age limit to remain covered, once the policy is in force.

Are there any discounts as a Sanitas Mas Salud Optima member?: Discount type

Discount

Annual payment

4%

4+ Insured

10%

I am single and I need a policy. Are there any discounts?: No. However there is a surcharge if you are applying singularly for this policy. The current surcharge is 8% and will be included in the quote.

The Sanitas Mas Salud Optima mentions something about dental, what dental cover is included with this plan?: The Sanitas Mas Salud Optima comes bundled with Dental 21. For more details on this policy please click here

Can I add comprehensive international cover to the Sanitas Mas Salud Optima?: Yes. Please click the "extra options" tab to see international options available with this plan.

Is repatriation to my country of origin included?: No.

What documents do you need from me?: Nothing for now, however, we will need you to complete the application form.

Terms & Conditions

% Regional discounts + BLUA Free Forever

Premiums from €34,90

Premiums listed are valid for new policyholders who sign up between March 1, 2025, and December 31, 2025. 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.

Cover & Services of Mas Salud Optima

What is covered?

Extra Options

Optional Extra Options

FAQ

Premiums from €34,90

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