Sanitas Mas Salud Plus is a comprehensive private health insurance plan that gives you full access to the Sanitas medical network while keeping monthly premiums lower through a structured co-payment system.
The plan includes unlimited access to primary care, medical specialists, diagnostic tests, hospitalisation, surgery, and therapeutic treatments, as well as emergency care in Spain and emergency medical assistance abroad for short stays. Dental cover is included, along with access to Sanitas’ digital healthcare ecosystem through the app.
Mas Salud Plus is designed for people who want effective, wide-ranging private healthcare in Spain but are comfortable paying small amounts when they actually use medical services. It is particularly popular with residents who value flexibility and fast access to specialists, all under an economical premium.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Lab tests, X‑rays, ultrasounds and high‑tech imaging
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
Important: Sanitas Mas Salud Plus is not suitable for Spanish visa or residency applications. Because it includes co-payments, it does not meet the requirements for visas such as the Non-Lucrative Visa or Digital Nomad Visa.
What's included
Summary — exact limits are confirmed in policy terms + conditions.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited GP and specialist consultations across all medical and surgical specialties.
Diagnostics & Tests
Yes
The plan covers both simple and high-complexity diagnostic tests prescribed by a Sanitas doctor. This includes clinical analysis and laboratory tests, X-rays, ultrasounds and mammograms, as well as advanced diagnostic imaging such as CT scans, MRI scans and nuclear medicine. Diagnostic tests related to pregnancy and antenatal care are also included.
Hospitalisation & Surgery
Yes
Sanitas Mas Salud Plus provides full cover for hospital admissions and surgical procedures carried out in Sanitas network hospitals. This includes both outpatient and inpatient surgery, with accommodation in a single room and a bed for a companion, except in cases of psychiatric hospitalisation.
Emergency care
Yes
Emergency medical assistance is included 24 hours a day throughout Spain. The plan covers emergency treatment in hospitals and clinics, ambulance services when medically required, and emergency video consultations for both adults and children.
Maternity & Childbirth
Yes
Antenatal consultations and diagnostics, childbirth and hospital stay. Includes neonatal care in the first 48 hours and postnatal care for the mother.
Dental 21
Yes
The plan includes Sanitas Dental 21, which provides access to more than 30 basic dental services at no additional cost. Other dental treatments are available at reduced prices according to the Sanitas dental tariff.
Psychology
Yes
Sanitas Mas Salud Plus includes psychology cover, allowing access to psychologists within the Sanitas network. Up to 15 sessions per insured person per year are covered, subject to prior authorisation.
Home visits
Yes
Home visits by GP, paediatrics or nursing when the insured cannot travel.
Digital consultations
Yes
Digital healthcare services are fully integrated into the plan via the MiSanitas app. This includes video consultations with general practitioners and specialists, emergency video consultations, a symptom checker, digital physiotherapy, mental wellbeing programmes, and access to prescriptions, test results and appointments online.
Travel Assistance
Yes
Sanitas Mas Salud Plus includes emergency medical assistance abroad for trips of up to 90 days. Cover is provided up to a maximum of €12,000 per person, per claim.
Co‑payments
How co-payments work - With Sanitas Mas Salud Plus, you only contribute when you use a service. Each consultation, test or treatment carries a small co-payment, which helps keep the monthly premium competitive. 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 Plus:
Service type / frequency
Co‑payment
From 0 to 6 services
€0
From 7 to 10 services
€4 per service
From 11 to 15 services
€7 per service
More than 15 services
€10 per service
Emergencies (hospital or home)
€8
Complex diagnostic tests
€12
Complex therapeutic procedures
€12
Physiotherapy sessions
€2 per session
Ventilation and aerosol therapy
€1.33 per session
Other respiratory therapies (oxygen and CPAP)
€0.67 per session
Dental services
€3 per service
Antenatal classes
€20
Services are calculated per insured person per year. The co-payment limit resets at the annual renewal. Video consultations carry the same co-payment as the equivalent in-person consultation.
Quick example: If you make 6 GP/specialist visits (€0 each), 1 emergency visit (€8), and 2 complex 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: A broad range of essential dental services included as standard, with preferential pricing on further treatments.
Emergency assistance abroad: Emergency medical cover for trips outside Spain, with cover of up to €12,000 per insured person and claim.
Digital healthcare services: Full access via the Mi Sanitas app, including video consultations, health monitoring tools and online results.
Optional add-ons:
Repatriation cover: Arrangements and costs required for the return of the insured person(s) to their home country in the event of death. This add-on is mandatory for most Spanish visa or residency applications.
Pharmacy reimbursement: Reimbursement of 50% of eligible prescription medication costs, up to €200 per insured person, per year.
Clinica Universidad de Navarra access: Optional access to one of Spain’s most prestigious private hospital groups, outside the standard Sanitas network.
Enhanced dental cover (no co-payments): Several upgraded dental options are available, offering a higher number of treatments included and discounts on additional procedures. These options must be taken by all insured members.
Accidental death and disability cover: Lump-sum compensation of between €30,000 and €60,000 in the event of accidental death or permanent disability. This option can be selected per insured person.
Optical cover: Partial reimbursement for prescription spectacle lenses and contact lenses each year when prescribed through a Sanitas-approved optician. Must be contracted for all insured members.
Worldwide reimbursement cover*: Optional reimbursement-based cover allowing you to use medical services outside the Sanitas network in Spain or abroad, with annual limits ranging from €50,000 to €300,000.
Hospital income protection: Daily cash benefit of €60 per day during hospitalisation to help offset additional personal or household expenses.
Add-ons can be selected during the application process.
* The maximum age to contract worldwide reimbursement cover is 64 years.
Eligibility, ages & payments
Applications are accepted for new policyholders up to 75 years of age.
Once enrolled, there is no upper age limit to continue the policy.
A discount of 4% applies when the policy is paid annually.
10% discount is applicable if there are four or more insured members.
All policies begin on the 1st day of the month.
Any applicable discounts are automatically reflected in the price shown when you request a quote.
How to use the Mas Salud Plus plan
Select a GP, specialist or hospital from the Sanitas medical network.
Identify yourself using your digital card in the Mi Sanitas app or your physical card.
Use services as needed and pay the corresponding co-payment, with full tracking available in the app.
Compare Avanza, Mas Salud Optima and Mas Salud Plus
Feature
Avanza
Mas Salud Optima
Mas Salud Plus
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation & surgery
No
Yes
Yes
Co-payments
Yes
Yes
Yes
Visa / residency compliant
No
No
No
Dental cover included
4 services
30 services
30 services
Emergency assistance abroad
No
12,000 EUR
12,000 EUR
Accident cover (work / traffic)
No
Optional
Optional
Out-of-network reimbursement
No
Optional
Optional
Family assistance services
No
Optional
Optional
Out-of-network reimbursement options, where available, allow partial reimbursement for medical services outside the Sanitas network, subject to annual limits and policy conditions.
FAQ
Can I use the Mas Salud Plus plan outside of Spain?
Yes. Emergency medical assistance abroad is included for trips of up to 90 days, with cover of up to €12,000 per claim.
What does it mean that Mas Salud Plus is a network-based policy?
Mas Salud Plus provides care through doctors, clinics, hospitals and dental centres that are part of the Sanitas medical network. Once your policy is active, the full network is available through this website and inside your Mi Sanitas account.
How are pre-existing conditions handled on the Mas Salud Plus plan?
Pre-existing conditions are any medical conditions that existed before the policy start date. These must be declared during the application process. A Sanitas assesor will review the information confidentially and confirm whether the condition is accepted, excluded or covered with specific limitations.
Does Mas Salud Plus cover pregnancy and childbirth?
Antenatal consultations and pregnancy-related diagnostic tests are covered once the relevant waiting periods have been completed. Childbirth and caesarean section are included provided the pregnancy begins after the policy start date.
Can I add international reimbursement cover to Mas Salud Plus?
Yes. Optional worldwide reimbursement cover can be added with annual limits of €50,000, €100,000, €150,000, €200,000 or €300,000. Reimbursement applies at 80% of eligible costs. The maximum age to contract this option is 64 years.
What documents are required to apply?
No additional documents are required initially. To proceed, you simply need to complete the application form. Once you obtain a quote, the application link will appear directly beneath your quoted price.
Medical care provided outside the Sanitas medical network, unless an optional reimbursement add-on has been contracted.
Treatment or assistance required as a consequence of alcohol abuse, drug dependence or the misuse of controlled substances.
Voluntary termination of pregnancy.
Highly specialised surgical interventions, including procedures related to neurological disorders such as Parkinson’s disease or epilepsy, as well as radio surgery techniques.
Preventive vaccinations, immunisations and self-administered vaccines.
Therapies or medical practices that are not recognised as conventional or evidence-based medicine.
Health conditions or injuries arising from war, terrorist activity, civil unrest or similar events.
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 €46,30
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.
