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.
The Sanitas Premium 500 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 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
100% cover of medical fees in Spain + 90% reimbursement outside the Sanitas network + worldwide
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.
With more discounts: An extra discount of 5% for families of 4 or more insured members.
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual member support both online and over the telephone.
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?
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 Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
Access to all medical and surgical specialties:
Ccardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
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.
Treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
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.
A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
in collaboration with Europ Assistance - up to a limit of 12,000 per person, per claim. More information
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
We will reimburse you 50% of the costs for medication that you require with a limit of 600 per member, per year.
A payment of 100 daily in case of hospitalisation: For example for help with out of pocket expenses.
Gives you 60 different dental services plus a discount of 40% for all other services. (FREE)
Get 50% off your pharmacy costs. (FREE)
Receive 50% reimbursement on your contact lenses and spectacle lenses every year when prescribed by a Sanitas optician. (must be taken by all insured)
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)
Visit any homeopathic specialist of your choice (both in and out of the Sanitas network) and receive 50% reimbursement. (can choose which insured have the option)
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 €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
Guarantees medical assistance if you are in a work or traffic accident. (must be taken by all insured / under 18 is FREE)
Provides €60 per day for out of pocket expenses in case you are hospitalised. (can choose which insured have the option)
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).
- 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.
High tech diagnostic tests
Sanitas 24 hours:
Other therapeutic methods (e.g. Chemotherapy)
Sterilisation / Vasectomy
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:
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.