Sanitas Mas Salud offers full private healthcare in Spain with no co-payments, covering outpatient and hospital care through thousands of doctors and clinics in the Sanitas network. It includes Sanitas Dental 21 for access to Millennium and network dental centres, plus optional add-ons for worldwide cover or extra benefits.
It’s ideal for residency, N.I.E. or visa applications for singles or couples, while families of three or more can choose the Mas Salud Family plan with up to 23% off. Also suitable for those transferring from Bupa.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics such as blood tests, X‑rays, ultrasounds and high‑tech imaging*
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
What's included
Summary - exact limits confirmed on your quote and in policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited consultations in network
Diagnostics & Tests
Yes
Lab tests, X‑rays, imaging, scans
Hospitalisation & Surgery
Yes
Private room
Emergency care
Yes
24/7 cover in Spain
Maternity & Childbirth
Yes
Antenatal, childbirth, postnatal
Dental 21
Yes
30 services included
Digital GP & Telemedicine
Yes
Via the app
Travel insurance
Yes
With a limit of up to €12,000 per year
Co‑payments
No
All covered services included in premium
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:
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
Repatriation: Cover to repatriate you to your country of origin in case of death.
Work/Traffic accidents: Guarantees medical assistance if you are in a work or traffic accident. (FREE for those under 18 years of age).
Dental Coverage: Add the dental supplement Sanitas Dental Milenium, Sanitas Dental or Sanitas Dental Premium to your policy, with a large number of services included and discounts of up to 40% on all other treatments.
Pharmacy Coverage: Reclaim 50% of your prescription costs (spend €400 get €200 back).
Optical Coverage: Reclaim 50% of the cost of contact lenses or spectacle lenses.
Worldwide reimbursement: 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.
Accidental death €30,000 or €60,000: Optional cover providing €30k/€60k insured capital.
Income protection: Provides €60 per day for out of pocket expenses in case you are hospitalised.
*Add-ons can be included when completing the application form.
Eligibility, ages & payments
New contracts accepted up to age 75*.
No maximum age to remain insured.
4% annual payment discount available.
Policy start date is always the 1st of the month.
*Subject to underwriting and current product rules.
How to use the Mas Salud 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, Accede, & Avanza
Feature
Accede
Avanza
Mas Salud
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
No
No
Yes
Co-payments
Yes
Yes
No
Visa / residency compliant
No
No
Yes
Dental 21
No
No
Included
FAQ
Does Mas Salud have copayments?
No - this version has zero copayments. You only pay your premium.
Is hospital care included?
Yes. Inpatient and day‑case surgery are included in the Sanitas network.
Is Mas Salud suitable for visas or residency?
Yes. It’s accepted by all Spanish consulates as a compliant policy for residency or student visas.
Are dental services included?
Yes. Dental 21 is included, with optional upgrade packages available.
What are the waiting periods?
Waiting periods apply to certain services as listed above. Emergencies are covered immediately.
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.
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 €61,40
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.
