Sanitas Premium 500

Overview

Sanitas Premium 500,000 is Sanitas’ highest level of reimbursement plan. It combines full in-network cover in Spain plus the option to use non-network providers in Spain or worldwide and claim back 90% of eligible expenses, up to €500,000 per person, per year.

It is designed for people who want the convenience of the Sanitas medical network day-to-day, but also like the freedom to choose specialists or hospitals outside the network or abroad when it matters.

Visa / residency use: this plan is private, comprehensive and contracted with no copayments, so it is commonly used for Spanish residency and long-stay visa processes (subject to acceptance and policy conditions).

What's included

Quick, practical overview of what you can access through the Sanitas network, plus the headline extras.

€500,000 reimbursement cover

Premium 500,000 works in two ways:

• Network route: use Sanitas doctors and centres in Spain. Costs are settled directly by sanitas - no need to pay and reclaim.
• Reimbursement route: choose your own provider (in Spain or worldwide), pay the invoice, then claim back 90% of eligible expenses up to the annual limits.

Important: The reimbursement module is not the same as the travel assistance module. Emergency cover abroad is handled under the separate travel assistance conditions.

Key reimbursement conditions

• Reimbursement percentage: 90% of eligible expenses (Spain and worldwide).
• Annual maximum per insured: €500,000 per year, distributed across the sub-limits below.
• Claim process: pay the provider, keep the invoice / medical report / proof of payment, and submit the claim following policy requirements.

Reimbursement limits table (annual, per insured)

These figures describe the reimbursement limits. Eligibility rules, definitions, exclusions, prior authorisation (where applicable) and claims documentation requirements always apply.

Waiting periods (qualification periods)

Waiting periods are the minimum time you must be insured before you can access certain services. In general, cover is provided from the policy effective date, but the services below require the stated qualification period.

*Emergency note: Qualification periods do not apply to accidents or illnesses that are sudden, life-threatening, and diagnosed after the policy effective date.

Switching from another private insurer: if you are transferring from another insurer, waiting periods may be waived for care provided through the Sanitas contracted medical network (subject to underwriting and acceptance). This does not automatically remove waiting periods for the reimbursement route.

Add‑ons

The Premium 500,000 plan includes certain add-ons by default. Optional add-ons can be included at the application stage if required.

Included:

• Repatriation: Arrangements and costs 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.
• Travel assistance / overseas emergency healthcare: Provides cover for medical emergencies abroad due to illness or accident, for care required within 90 consecutive days from the start of each trip. This cover is separate from the €500,000 reimbursement module and follows its own emergency-only rules.
• Sanitas Dental: Access to 65 dental services at no additional cost with the exception of a €3 co-payment per service, plus a 40% discount on all other dental treatments performed within the Sanitas dental network. You can also claim back 80% of the cost of paid dental treatments up to €400 per year.
• Pharmacy: Reclaim 50% of the cost of prescription medicines up to €300 per year.
• Income protection: Pays you €100 per day when hospitalised for out of pocket expenses.

Optional add-ons:

• Work / traffic accident cover: Work and traffic accident-related care is excluded unless this add-on is contracted.
• Optical supplement: Reclaim 50% of the cost of spectacle lenses or contact lenses up to €300 per year.
• Dental supplement options: Dental upgrades providing enhanced cover beyond the Sanitas Dental that is already included in this plan.
• Accidental death cover: Pays out in the case of accidental death (€30,000 or €60,000 options available).

You can include add-ons at the application stage.

Eligibility

• Maximum age to join: 64 (inclusive).
• Maximum age to remain: no maximum age to remian insured.
• Children 0–2 years: must be insured with at least one other insured aged over 2.
• Children 3–18 years: can be insured individually, provided the policyholder is an adult.
• Underwriting: acceptance is subject to an assessment of your medical history.

How to use this plan

1. In the Sanitas network (Spain): book via Mi Sanitas / phone, attend with your Sanitas membership card, and follow any referral or authorisation requirements for tests, treatments, surgery, or hospital admission.
2. Outside the network (Spain or worldwide): choose your provider, pay the invoice, and submit a reimbursement claim with the required documents (invoice, proof of payment, medical report).
3. USA cover: only in centres appointed by Sanitas and requires prior authorisation so that Sanitas can manage the process.

As a general rule: routine consultations are usually open access, while hospital care, surgery and complex diagnostic tests need prior authorisation, unless it is a vital emergency.

Compare Mas Salud vs Mas 90 vs Premium 500,000