Healthplan Spain

Sanitas Premium 500

Cover in Spain + 90% worldwide from €86,15 / Month

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Cover & Services

Cover & Services of Sanitas Premium 500

The Sanitas Premium 500 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 fully when using the Sanitas network of doctors and hospitals in Spain. When using the Sanitas network, you simply present your membership card at reception when you attend an appointment and all costs are taken care of. There are no co-payments or deductibles. If you wish to use doctors and hospitals outside of the network in Spain and internationally, then you use the reimbursement part of the policy. You may use any doctor or hospital of your choice, pay the invoice, submit your claim to us and receive 90% of the costs back. The cover provided for this purpose is 500k per person, per year.

As a member you will get exclusive benefits not found in similar policies offered by other providers including full dental (Sanitas Dental), 50 % reimbursement for drugs or medicines prescribed by your Sanitas doctor and income protection when you are hospitalised.

Please note: the Sanitas Premium 500 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

COVID-19 Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
cover of medical fees Medical Fees:
100% cover of medical fees in Spain + 90% reimbursement outside the Sanitas network + worldwide
co-payments Co-Payments:
No Co-payments.
Choose your own doctor Choose Your Doctor:
Choose your own doctor: with Sanitas Premium 500 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:
With more discounts: An extra discount of 5% for families of 4 or more insured members.
find doctors / hospitals / specialists Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
 Multi-lingual member suppor Multi-lingual Support:
Multi-lingual member support both online and over the telephone.
Extensive network made up 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 Fees Medical Fees:
100% cover of medical fees within the network + 90% cover of medical fees (up to 500,000 per person) outside of the network in Spain and worldwide.
Primary Health Care Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
Access to all specialties Access to all medical and surgical specialties:
Ccardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Surgery Surgery:
Inpatient and outpatient
Diagnostic tests and therapies 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
Sanitas Dental Sanitas Dental:
Access to our dental network, with 50 services included. We will also reimburse you up to 400 for treatments outside of the 50 services included. More information
Pharmacy cover Pharmacy cover:
We will reimburse you 50% of the costs for medication that you require with a limit of 600 per member, per year.
Income protection Income protection:
A payment of 100 daily in case of hospitalisation: For example for help with out of pocket expenses.
Extra Options

Extra Options

Included free with this plan:
Dental Sanitas Dental
Gives you 60 different dental services plus a discount of 40% for all other services. (FREE)
Pharmacy Pharmacy
Get 50% off your pharmacy costs. (FREE)


Optional Extra Options

That can be added to this plan:
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)
Optical 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)
Repatriation 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)
Accidental death 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)
Work / Traffic accidents 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)
Income protection Income protection
Provides €60 per day for out of pocket expenses in case you are hospitalised. (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 Premium 500 plan outside Spain?

Yes. The Premium 500 plan will cover you worldwide on a 90% reimbursement basis.

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 Premium 500 comes bundled with a reimbursement module giving the insured up to 500,000 worldwide reimbursement cover.

Do I have to pay co-payments on the Sanitas Premium 500 plan?

No. There are no co-payments with the Sanitas Premium 500 plan.

What are pre-existing conditions and how do they apply to the Sanitas Premium 500 plan?

Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Premium 500 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 Premium 500 plan?

The qualification periods for the Sanitas Premium 500 Plan are detailed below.

Qualification Periods
Outpatient surgery
3 months
High tech diagnostic tests
6 months
Sanitas 24 hours:
6 months
6 months
Other therapeutic methods (e.g. Chemotherapy)
6 months
8 months
8 months
Sterilisation / Vasectomy
10 months
10 months
Bariatric surgery
70 months

The above qualification periods shall not apply to accidents covered by the Policy, life-threatening diseases supervening and diagnosed after the effective date of the Policy, or cases of premature childbirth.

Does the Premium 500 plan cover antenatal care or childbirth?

Yes. The Sanitas Premium 500 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 €3,610 for these types of expenses.

Do you offer any discounts to Sanitas Premium 500 members?

The following discounts are available:

Payment Frequency
Annual payment
Bi-annual payment
5 or more insured on the policy
Are there any age restrictions if I decide to apply for the Sanitas Premium 500 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 Premium 500 plan mentions something about dental, what dental cover is included?

The Sanitas Premium 500 plan comes bundled with Sanitas Dental. After you have been a member for eight months you will be entitled to €400 worth of dental treatment per year on an 80% reimbursement basis. See whats covered with our full dental plan here.

What about my pharmacy bills, will the Premium 500 plan pay for these as well?

The premium 500 plan also gives its members 50% reimbursement on all prescribed medicines up to a limit of €300 per person per year.

Is repatriation to my country of origin included?


What documents do you need from me?

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

Terms & Conditions

Premium from €86,15

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 64 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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