Healthplan Spain

Sanitas Primero

Cover in Spain + deductibles from €19,95 / Month

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Cover & Services

Cover & Services of Sanitas Primero

The Sanitas Primero plan is a "pay as you go" plan and provides top quality medical assistance for a low price.

This plan offers a complete outpatient service (consultations, diagnostic tests and therapies) all at a reduced premium.

Surgical operations that do not require hospitalisation are also included in this policy (interventions of this kind represent approximately 44% of all surgical operations).

If you have a life threatening emergency then you are not required to contribute towards the costs. However, if hospitalisation is required for an elective hospital stay or surgery you will have to contribute to the cost of the service required. These services need to be authorised prior to the date of hospital admission.

The costs of these services vary depending on the type of service required and are divided into 3 categories:

LEVEL 1. €1000 Hospitalisation without surgical intervention.

LEVEL 2. €2000 Surgical operation e.g. caesarean birth.

LEVEL 3. €3000 Major surgical operations e.g. open heart operations.

You will need to know the corresponding level of service that you require when arranging your admission to hospital.

If you need to undergo more than one surgical procedure at the same time, you will be charged for the surgery that has been classified as the most critical.

Please note: the Sanitas Primero is NOT suitable for residency / N.I.E. or visa applications.

COVID-19 Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
Pay as you go Pay as you go:
Pay as you go when inpatient surgery or hospitalisation is required.
Service Providers Service Providers:
Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain.
Sanitas network Sanitas network:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network.
Discounts Member Support:
Multi-lingual member support both online and over the telephone.
extensive network 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?

Nationwide Network Nationwide Network:
Access to a nationwide network of doctors and specialists
Primary Healthcare + hospitalisation 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.
Inpatient surgery Inpatient surgery
Subject to contributions towards the costs.
Outpatient surgery Outpatient surgery:
covered 100%
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:
Receive individual treatment for mental health issues such as anorexia, stress, depression, marital problems and insomnia.
Single Room Single Room:
A single room with a bed for your visitor when you are 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
Basic dental cover Basic dental cover:
including checkups, x-rays, simple extractions and yearly teeth cleaning. If you need more comprehensive dental cover we have a range of options for you to choose from.
Extra Options

Extra Options

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)
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 / under 18 is FREE)
Dental21 Dental21
Gives you 30 different dental services and a discount of 21% for all other services. (must be taken by all insured)
Dental Milenium Dental Milenium (with 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 Milenium Sanitas dental
Gives you 60 different dental services plus a discount of 40% for all other services. (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)
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)
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 Sanitas Primero plan outside Spain?

Yes. In an emergency you can use your travel assistance cover up to €12,000 per claim.

How much are the co-payments for the Sanitas Primero?

The co-payments for the Sanitas Primero are as follows:

Services used
Sanitas Primero Co-payments

In instances where you require a course of services these are charged at special rates with a one off payment. These include:

  • Physiotherapy (10 treatment sessions)
  • Oxygen Therapy (30 days)
  • Aerosol Therapy (15 days)
  • Ventilotherapy (15 days)
  • Antenatal Classes
What are pre-existing conditions and how do they apply to the Sanitas Primero plan?

Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Primero plan. If you have declared any pre-existing conditions on your application for the Sanitas Primero plan 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.

Does the Sanitas Primero plan cover antenatal care or childbirth?

Yes. The Sanitas Primero plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered but is subject to a LEVEL 2 contribution.

What are the qualification periods for the Sanitas Primero plan?
Qualification Periods
Outpatient Surgery
3 months
high tech diagnostic tests
6 months
6 months
Preventative programmes
6 months
8 months
Hospitalisation with Surgery
10 months
Sterilisation or vasectomy
10 months
Bariatric surgery
60 months
Are there any age limits on the Sanitas primero plan?

The maximum contractual age is 75 years. Once the contract is in place, there is no upper age limit for the policy to remain in force.

Are there any discounts available?
Payment Options
5 or more insured on the policy
Bi-annual payment
Annual payment
What dental cover is included with this plan?

The Sanitas primero includes 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

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 €19,95

Premiums valid during the first year for all new members with effective date from 01/02/2023 to 31/01/2024 (except those with a start date of 01/01/2023). 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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