Sanitas Top Quantum is a premium private healthcare plan offering full access to the Sanitas medical network in Spain, with 100% cover for consultations, diagnostics, hospital care and specialist treatment. The plan also includes an annual reimbursement allowance, giving you the freedom to visit doctors outside the network and claim back part of the cost.
Dental cover, emergency assistance abroad, and automatic protection for traffic and workplace accidents are all included as standard. With no co-payments or excesses, and optional worldwide reimbursement upgrades available, Top Quantum is a strong choice for anyone seeking comprehensive, high-level cover — including those who require a policy suitable for Spanish visa or residency applications.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Lab tests, X‑rays, ultrasounds and high‑tech imaging*
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
What's included
Summary - exact limits confirmed on your quote and in policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Full access to the entire Sanitas medical network, with unlimited consultations across all general practitioners and specialists
Diagnostics & Tests
Yes
Comprehensive cover for standard and high-tech diagnostics, including blood work, X-rays, ultrasounds, CT scans, MRI scans and other advanced imaging techniques
Hospitalisation & Surgery
Yes
Complete inpatient and surgical cover in Sanitas network hospitals, including a private room with an accompanying bed for a companion
Emergency care
Yes
24/7 emergency medical assistance throughout Spain, including urgent care, A&E access and ambulance services when medically required
Maternity & Childbirth
Yes
Cover for prenatal consultations, childbirth, hospital stay and postnatal care
Dental ASEFA
Yes
Enhanced dentistry included as standard, with a broad selection of treatments covered and discounted rates available on more complex procedures
Digital consultations & Telemedicine
Yes
Video consultations via the app with GPs and specialists, electronic prescriptions and access to test results
Reimbursement Alllowance
Yes
€10,000 annual reimbursement fund allowing you to visit doctors or specialists outside the Sanitas network and claim back part of the cost*
Travel Assistance
Yes
Emergency medical assistance abroad, providing coordinated support and cover for unexpected illness or incidents overseas, up to a limit of €15,000 per person, per claim
Co‑payments
No
All covered services included in premium
*limited to specific specialties
Co‑payments
This plan has no co‑payments. All services within the Sanitas network are included in your premium.
Waiting periods (Qualification periods)
Waiting periods refer to the amount of time that must pass after joining a health insurance plan before you can access specific services. The only services subject to waiting periods are:
If you have held private health insurance in Spain with another insurer for at least one year, Sanitas will waive these waiting periods, with the exception of childbirth. Find out how to switch providers here.
Add‑ons
Included:
€10,000 annual reimbursement: Included as standard for treatment outside the Sanitas network.
Dental ASEFA: Over 50 dental treatments included, plus discounts on all other services.
Travel assistance abroad: Emergency medical assistance up to €15,000 per person, per claim.
Traffic & workplace accident cover: Medical assistance for emergencies resulting from accidents.
Optional add-ons:
Repatriation: Optional cover to arrange transport back to your home country in the event of death. This add-on is required if you are applying for a visa or residency.
Pharmacy cover: Reclaim 50% of eligible prescription medication costs up to 200 Euros per contract year.
Worldwide reimbursement: Include worldwide reimbursement cover from a range of tiered amounts.
Income protection: Daily payment of 30 Euros per day during hospitalisation to help with additional personal expenses.
*Add-ons can be included when completing the application form.
Eligibility, ages & payments
New contracts accepted up to age 75*.
No maximum age to remain insured.
4% annual payment discount available.
Policy start date is always the 1st of the month.
*Subject to underwriting and current product rules.
How to use the Top Quantum plan
Choose a GP, specialist or hospital from the Sanitas network.
Present your digital/physical card.
NO Co‑payments; track everything in the app.
OR if using the reimbursement module, keep your medical report and paid invoice then submit your claim in the app
Compare Mas Salud, Accede, & Avanza
Feature
Top Quantum
Mas Salud
Mas Salud Family
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
No
No
No
Visa / residency compliant
Yes
Yes
Yes
Dental
58 services
30 services
30 services
Travel assistance
15k Euros
12k Euros
12k Euros
Work/Traffic accidents
Yes
optional
optional
Out of network reimbursement
Yes*
optional
optional
*For General medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics, osteopathy up to 10,000 Euros per person per year
FAQ
Can I use the Top Quantum outside of Spain?
Yes. In an emergency you can use your travel assistance cover up to €15,000 per claim.
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 inside your online account after you have purchased this policy. If you need to see specifics then please email us for the medical provider list.
What are pre-existing conditions and how do they apply to the Sanitas Top Quantum plan?
Pre-existing conditions relate to previous pathologies prior to the date of you contracting any of the Sanitas Top Quantum plans. If you have declared any pre-existing conditions on your application 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 Top Quantum plan cover antenatal care or childbirth?
Yes. The Sanitas Top Quantum plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
Can I add comprehensive international cover to the Sanitas Top Quantum plan?
Yes. you can choose from €75k, €200k or €300k cover per year, all at a rate of 80% reimbursement. The maximum age for contracting this additional cover is 64 years
What documents do you need from me?
Nothing for now, however, if you want to go ahead then we will need you to complete the application form. Please get a quote if you haven't already done so then once you see the price you will also see a link to the application form just below the price.
Treatment received in medical centres that are not part of the Sanitas network (unless you are using the specified specialties within the reimbursement module).
Care required as a result of chronic alcoholism, drug dependency or substance abuse.
Abortion.
Surgical procedures for conditions such as Parkinson´s disease, epilepsy, or involving radio surgery.
Any type of vaccine or autovaccination.
Therapies or treatments based on alternative medicine (unless you are using the specified specialties within the reimbursement module).
Injuries or illnesses resulting from acts of war, terrorism or insurrection.
Contract term and cancellation
All policies are contracted on an annual basis. Cancellation can only be made by giving one month´s notice of cancellation in advance of the policy renewal date.
Premium from €64,40
Premiums listed are valid for new policyholders who sign up between April 1, 2026, and March 31, 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be added to the premiums. Premiums may vary depending on where the policyholder lives. The maximum age to purchase this insurance is 75, but once enrolled, there is no age limit to keep the coverage.
