Sanitas Unico s a private health insurance plan built specifically for people aged 60 and over living in Spain. Unlike most policies that have an upper age limit, Unico accepts new members from age 60 with no upper age limit, no health questionnaire, and no pre-existing condition exclusions.
The plan covers the day-to-day healthcare needs that matter most as you get older: unlimited primary care and specialist consultations, the most common diagnostic tests (including ultrasounds, MRIs and CT scans), simple therapies like physiotherapy, basic dental cover, and a full suite of digital and home services through Sanitas Blua and Sanitas Mayores.
Unico does not cover hospitalisation, surgery, or complex therapeutic methods - these are handled separately. If you need hospital cover, see Mas Salud or Top Quantum on our compare plans page
Diagnostics Simple tests + ultrasounds, MRIs and CT scans
Sanitas Mayores Senior care plan, home services, dependency advice
Digital care Blua video consultations 24h, health programmes, Cuida tu mente
Important: Sanitas Unico is an outpatient and home-care plan only. It does NOT cover hospitalisation or surgery, and it is NOT suitable for residency or non-lucrative visa applications. If you need hospital cover or a visa-compliant plan and you're over 60, consider Mas Salud or Top Quantum.
Why this plan exists: Most private health insurance becomes expensive or completely unavailable after age 65-70 due to underwriting. Sanitas Unico removes that barrier - designed from the ground up for over-60s, with senior-specific services (Sanitas Mayores, home care, dependency advice) that other plans don't offer.
What's included & key limits
Summary - exact limits are confirmed in the policy terms and conditions.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited in-person consultations across the Sanitas network
Simple diagnostic tests
Yes
Lab tests, X-rays, basic ultrasound
Complex diagnostics
Partial
Ultrasounds, MRIs and CT scans only (other complex diagnostics not covered)
Simple therapeutic methods
Yes
Physiotherapy, aerosol therapy, etc.
Basic dental
Yes
Scale and polish, wound treatment, simple extractions
Sanitas Mayores services
Yes
Personal care plan, home care guidance, dependency advice, discounts on care homes
Home services
Yes
Medicine delivery, home physio, podiatry, hairdressing, hospital companion (see home services section)
Blua digital health
Yes
Video consultations, 24h emergency video, Chequea tu salud, Fisio digital, Cuida tu mente
Home services included
Sanitas Unico includes a generous package of services delivered to your home - designed so you don't have to leave the house to access care:
Service
Annual allowance
Pharmacy delivery (within 3 hours)
3 services / year
Blood tests at home
2 services / year
Home physiotherapy (with prescription)
5 sessions / year
Podiatry at home
3 services / year
Hairdressing at home
3 services / year
Companion to medical appointments
3 services / year
Companion during hospitalisation
5 nights / year
Home assistant (cleaning, ironing, basic tasks)
30 hours / year
Sanitas Mayores services
Unico includes the Sanitas Mayores package - services specifically built for older policyholders that you don't get on the standard Sanitas plans:
Personal Care Plan: built by a Sanitas health advisor specialised in senior care, with daily care guidance and routines tailored to you.
Home care guidance: help selecting and arranging the home services you need at each stage.
Dependency advice line: phone advice on financial aid available for dependency situations under Spanish law.
Discounts: reduced rates at Sanitas Mayores residences and day centres if you ever need them.
How co-payments work - Sanitas Unico uses a graduated co-payment structure: your first 6 services each year are completely free of charge. After that, co-payments stay low and only kick in when you actually use a service.
Below is the full co-payment schedule for Sanitas Unico:
Service type / frequency
Co‑payment
First 6 consultations per year
€0 - free
Consultations 7-15
€5 per consultation
Consultations 16+
€10 per consultation
Diagnostic tests (simple and complex)
€12 per test
Simple therapeutic methods (excl. podiatry)
€12 per session
Podiatry
€3 per session
Dental services
€3 per service
Emergencies
€8
High-frequency services (single co-payment)*
€20
*High-frequency services (single co-payment of €20 covers the full course): 10 physiotherapy sessions, 15 days of aerosol therapy, 15 ventilation therapy sessions, 30 days of oxygen therapy, 30 days of BPAP/CPAP.
Quick example: If you make 8 GP/specialist visits (the first 6 are free, the next 2 are €5 each), 1 emergency visit (€8), and 2 simple diagnostic tests (€12 + €12), your total co-payments for the year are €42. Use the plan less than 6 times that year and you pay €0 in co-payments - only your monthly premium.
Note on video consultations: Video consultations with specialists count as in-person consultations for the purposes of the co-payment schedule above (i.e. they go into the 0-6 / 7-15 / 16+ tier counter).
Monthly premiums by age band
Premiums are charged per insured person, per month. There are no surcharges, no annual-payment discount, and no extra premium loading by individual age within each band - premiums are fixed at the band level.
Age at contract
Monthly premium*
60 to 64 years
€46.40
65 to 74 years
€51.50
75 to 85 years
€59.10
Over 85 years
€70.00
What's different about Unico pricing: Most insurers load premiums by individual age and medical history. Unico doesn't - your premium is set by your age band only. Two 73-year-olds pay the same monthly premium regardless of medical history, because there is no health questionnaire and no underwriting.
*New-customer pricing with a 20% discount on the base premium, available for current promotional periods set by Sanitas. A 0.15% surcharge from the Insurance Compensation Consortium is added. Prices may vary by region (zona geografica). Confirm the latest premium when you request a quote.
Waiting periods (Qualification periods)
Sanitas Unico has no waiting periods on almost all services. The only exception is complex diagnostic tests:
Service
Coming from a competitor's full-cover plan
New to private insurance
MRI scans (resonancias)
No waiting period
6 months
CT scans (TAC)
No waiting period
6 months
Ultrasounds (ecografias)
No waiting period
No waiting period
All other services
No waiting period
No waiting period
If you're transferring from a competitor's full-cover plan (e.g. Adeslas, DKV, ASISA, Mapfre with comparable coverage), the 6-month waiting period for MRI and CT scans is waived.
Add-ons
Dental Coverage: Add the dental supplement Sanitas Dental Milenium or Sanitas Dental Premium to your policy, with a large number of services included and discounts of up to 40% on all other treatments.
Pharmacy Coverage: Reclaim 50% of your prescription costs (spend €400 get €200 back).
Optical Coverage: Reclaim 50% of the cost of contact lenses or spectacle lenses up to €300 per year.
Accidental death €30,000 or €60,000: Optional cover providing €30k/€60k insured capital.
*Add-ons can be included when completing the application form.
Eligibility, ages & contract terms
Minimum age: 60 years.
Maximum age to contract: none. There is no upper age limit for taking out a new Sanitas Unico policy.
Maximum age to remain insured: none. Once contracted, you remain covered for life - Sanitas does not cancel for age.
Health questionnaire: not required. No underwriting, no exclusions for pre-existing conditions.
Existing Sanitas customers: can switch to Unico without a health questionnaire, but premiums may differ.
Designed for residents in Spain (NOT residency or visa-compliant - see warning above).
Policy starts on the 1st of a month.
How to use Sanitas Unico
Choose a GP or specialist from the Sanitas network using the Mi Sanitas app or website.
Present your digital or physical Sanitas card at the appointment - no upfront payment.
Any co-payment is debited by Sanitas with your next monthly premium; you can track every visit and charge in the Mi Sanitas app.
For digital consultations, video calls, or 24h emergency video, use Blua inside the Mi Sanitas app - available in all medical specialities, with 3,600+ professionals.
For Sanitas Mayores services (personal care plan, home services, dependency advice), call the Sanitas Mayores line - number provided with your welcome pack.
Compare Unico vs Accede vs Avanza
Feature
Sanitas Unico
Sanitas Accede
Sanitas Avanza
Designed for over 60s
Yes
No
No
Maximum entry age
No upper limit
59
59
Health questionnaire
Not required
Required
Required
Pre-existing conditions
No exclusions
Subject to underwriting
Subject to underwriting
Sanitas Mayores services
Yes
No
No
GPs & specialists
Unlimited
Unlimited
Unlimited
Diagnostic tests
Simple + ultrasounds, MRIs, CT scans
Simple only (lab, X-rays, ultrasound)
Simple + high-tech (MRI / CAT)
Physiotherapy
Yes (limited home sessions)
Yes (unlimited, subject to authorisation)
Yes (unlimited, subject to authorisation)
Hospitalisation
No
No
No
Inpatient surgery
No
No
No
Sanitas Mayores home services
Yes
No
No
Waiting periods
None except MRI / CT (6 months for new customers)
None
Outpatient surgery 3 months; high-tech diagnostics 6 months
Visa / residency compliant
No
No
No
FAQ
Is there really no upper age limit on Sanitas Unico?
Correct. There is no maximum entry age, you can take out Unico at 70, 80, or even 90. There is also no maximum age to remain insured: once you're a member, Sanitas does not cancel your policy because of age. This is the key reason the plan exists.
Do I need to fill in a health questionnaire?
No. Sanitas Unico does not require a health questionnaire and has no underwriting based on your medical history. Pre-existing conditions are not excluded.
Can I use Sanitas Unico for a residency or non-lucrative visa application?
No. Sanitas Unico does not include hospitalisation or surgery, which are required by Spanish consulates for visa-compliant health insurance. If you are over 60 and applying for a visa, ask us about Mas Salud or Top Quantum, both meet the visa requirements.
Does Sanitas Unico cover hospitalisation or surgery?
No. Unico is an outpatient and home-care focused plan. It does not cover hospital admissions, surgical procedures (including outpatient surgery), or complex therapeutic methods. For full hospital cover, see Mas Salud or Top Quantum.
What are the home services included with Unico?
Unico includes pharmacy delivery, home blood tests, home physiotherapy, home podiatry, hairdressing at home, companion to medical appointments, companion during hospitalisation, and a home assistant for basic household tasks. See the full home services table for annual allowances.
What is Sanitas Mayores and is it included?
Yes, fully included. Sanitas Mayores is a senior-specific care package: a personal care plan built by a senior-specialist health advisor, guidance on selecting home care services, advice on dependency financial aid, and discounts at Sanitas residences and day centres.
Can I use Sanitas Unico outside Spain?
No, Sanitas Unico does not cover you outside of Spain. For worldwide cover see our international plans.
Are there waiting periods on Sanitas Unico?
Almost none. The only services with a waiting period are MRI scans and CT scans (6 months), and only for new customers who don't already have private health insurance. Ultrasounds and all other services have no waiting period. If you are transferring from a competitor's full-cover plan, the MRI/CT waiting period is also waived.
How much does Sanitas Unico cost?
Premiums depend on your age band: €46,40 / month at 60-64, €51,50 / month at 65-74, €59,10 / month at 75-85, and €70 / month for over 85s. These are new-customer prices with a 20% discount on the base premium. There is no extra premium loading within each band. Confirm the current premium when you request a quote.
What happens to the price as I get older?
Premiums move up as you cross into the next age band (65, 75, 85). However the band pricing is set, there is no individual age loading and no medical-history loading. Sanitas applies its standard annual premium adjustment in line with healthcare inflation, the same as on every Sanitas plan.
Does Sanitas Unico include dental cover?
Basic dental is included: scale and polish, simple extractions, wound treatments, dental consultations (€3 co-payment per service). For comprehensive dental cover you can add Sanitas Dental Milenium or Sanitas Dental Premium, see our dental plans.
Do I have to pay anything when I attend my appointments?
No. As a Sanitas Unico member you receive a Sanitas membership card. Each time you attend an appointment your card is swiped at reception to record your visit and any applicable co-payment. You can only present your card at Sanitas providers (full provider list inside the Mi Sanitas app). Co-payments are collected with your next monthly premium.
Treatment received in medical centres that are not part of the Sanitas network.
Care required as a result of chronic alcoholism, drug dependency or substance abuse.
Childbirth.
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.
Injuries or illnesses resulting from acts of war, terrorism or insurrection.
Hospitalisation, surgery and complex therapeutic methods (these are not within the scope of Unico - see Mas Salud or Top Quantum).
*This is an overview. Please refer to the official policy terms for the full list of exclusions.
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.
