Healthplan Spain

Sanitas Mundi 1 Million

Cover in Spain + 90% worldwide from €0,00 / Month

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Cover & Services

Cover & Services of Sanitas Mundi 1 Million

The Sanitas Mundi 1 million is a mixed policy designed for those that need the best cover in Spain plus the ability to choose where to receive treatment abroad.

This plan covers you 100% when using the Sanitas network of doctors and hospitals in Spain. If you wish to use doctors and hospitals outside of the network in Spain and worldwide, then you can use the reimbursement part of the policy. You may use any doctor or hospital of your choice, pay the invoice, submit your claim online and receive 90% (inpatient) and 80% (outpatient) of the costs back. The cover provided for this purpose is €1,000,000 per person, per year.

The Sanitas Mundi 1 million is also suitable if you are thinking of transferring your cover from BUPA U.K. or BUPA Global. For more information on BUPA transfers please click here

Please note: the Sanitas Mundi 1 Million is suitable for residency / N.I.E. or visa applications. However, if you need a "Spain only" policy for these purposes please see the Mas Salud without co-payments plan You can also add tiered international options (if required) to the Mas Salud plan at a much reduced rate.

COVID-19 Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
Medical Fees Medical Fees:
100% cover of medical fees in Spain + 90% reimbursement outside the Sanitas network + worldwide.
No Co-payments Co-payments:
No Co-payments.
Choose Doctor Choose Your Doctor:
Choose your own doctor: with Sanitas Mundi 1 Million you not only have access to the whole Sanitas network, but you can also visit any other healthcare centre or doctor of your choice, whether in Spain or anywhere else in the world.
Discounts Discounts:
An extra discount of 17% for 2 or more insured members.
Sanitas network Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual member support Multi-lingual Support:
Multi-lingual member support both online and over the telephone.
network of top professionals 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?

medical specialists Medical fees:
100% cover of medical fees within the network + 90% cover of medical fees (up to €1000,000 per person) outside of the network in Spain and worldwide.
Primary Health Care Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
medical and surgical specialties Access to all medical and surgical specialties:
Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Surgery Surgery:
Inpatient and outpatient
Diagnostic tests 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 High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Psychology services Psychology services:
Treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
Protection for the Family Protection for the Family:
In the event that the policy holder dies, the other beneficiaries also covered by the policy will not have to pay the premium for six months.
Single Room Single Room:
A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
Travel Assistance Travel Assistance:
in collaboration with Europ Assistance - up to a limit of €12,000 per person, per claim. More information.
Accidental death Accidental death:
We will pay the nominated beneficiary €60,000 in case of accidental death.
Income protection Income protection:
A payment of €180 daily in case of hospitalisation: For example for help with out of pocket expenses.
Extra Options

Extra Options

Dental 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)
Dental Dental21 (without co-payments)
Gives you 30 different dental services and a discount of 21% for all other services. (must be taken by all insured)
Optical 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)
Pharmacy Pharmacy
Get 50% off your pharmacy costs. (must be taken by all insured)
Work / Traffic accidents Work / Traffic accidents
Guarantees medical assistance if you are in a work or traffic accident. (must be taken by all insured)
Get 24/7 access to doctors via video consultation, medication delivered to your location, request instant appointments and more (can choose which insured have the option).


Is Corona virus (COVID-19) covered on this policy?

Coronavirus (COVID-19) is fully covered on this policy. For more information please click here

Can I use the Mundi 1 Million plan outside Spain?

Yes. The Mundi 1 Million plan will cover you worldwide on a 90% reimbursement basis for inpatient and 80% for outpatient services.

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 is a reimbursement policy?

With a reimbursement policy you can go to doctors or hospitals outside of the network, both in Spain and abroad and claim back the cost. The Sanitas Mundi 1 Million comes bundled with a reimbursement module giving the insured up to €1,000,000 worldwide reimbursement cover (90% inpatient and 80% outpatient).

Do I have to pay co-payments on the Sanitas Mundi 1 Million plan?

No. There are no co-payments with the Sanitas Mundi 1 Million plan.

What are pre-existing conditions and how do they apply to the Sanitas Mundi 1 Million plan?

Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Mundi 1 Million plan. If you declare any medical history / medication on your application form 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.

What are qualification periods and how do they apply to the Sanitas Mundi 1 Million plan?

The qualification periods for the Sanitas Mundi 1 Million Plan are detailed below.

Within network
Qualification Periods
6 months
Hospitalisation(including childbirth)
8 months
Sterlisation or Vasectomy
10 months
Hospitalisation with surgery
10 months
Bariatric surgery
70 months
Reimbursement module
Waiting Periods
3 months
3 months
Laser therapy
3 months
Speech therapy
3 months
Anatomical pathology
3 months
6 months
6 months
Cobalt therapy
6 months
Radioactive Isotope therapy
6 months
Linac therapy
6 months
MRI Scans
6 months
Nuclear medicine
6 months
Bone density testing
6 months
6 months
Digital arteriography
6 months
Radioneuro surgery
6 months
Prostate hyperthermia
6 months
10 months
Does the Mundi 1 Million plan cover antenatal care or childbirth?

Yes. The Sanitas Mundi 1 Million plan covers antenatal care and childbirth (including caesarian sections) 100% within the Sanitas network. However, waiting periods apply. If you wish to undertake your antenatal care and childbirth outside of the Sanitas network then the 90% reimbursement module kicks in covering you up to €12,000 for these types of expenses.

Do you offer any discounts to Sanitas Mundi 1 Million members?
Payment Frequency
Annual payment
Bi-annual payment
Are there any age restrictions if I decide to apply for the Sanitas Mundi 1 Million plan?

You can contract the Sanitas Premium 500 plan up to the age of 64. There is no upper age limit for maintaining your cover, once contracted.

The Sanitas Mundi 1 Million plan mentions something about dental, what dental cover is included?

Within the Mundi 1 Million plan there are a few dental services including: cleaning once a year, consultations, X- rays and extractions. If you need more comprehensive dental cover then please see our range of dental plans here

What about my pharmacy bills, will the Mundi 1 Million plan pay for these as well?

No. however you can add pharmacy cover to your policy for an extra €4.00 per person per month.

What documents do you need from me?

Nothing for now, however, we will need you to complete the application form.

Terms & Conditions

Premium from €0,00

Premiums valid during the first year for all new members with effective date from 01/04/2024 to 31/12/2024. All premiums are subject to 0.015% Insurance Compensation Consortium tax. Maximum age to contract this policy is 75 years of age. Real time quotes will vary depending on age and the place of residence of the insured. Terms and conditions apply.


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