Tax-deductible cover built for autonomos – and your spouse and children up to 26
Registering as autonomo in Spain's special social security regime for the self-employed (RETA) gives you public healthcare, but a wait for a scan or an operation can cost you income. Sanitas Professional (no co-payments, from 81,00 € a month) and Sanitas Professional Plus (from 51,40 €) add private specialists without public waiting lists and Total Protection sick-pay support.
The Sanitas Professional range is built specifically for autonomos - freelancers, sole traders, consultants, contractors and self-employed business owners. Unlike standard policies, both plans on this page include sick-pay support and work and road accident cover, recognising that when you are self-employed, an illness or injury directly stops your income. Sanitas Professional adds funeral cover after a fatal accident, up to €5,250 per person. You also benefit from one of the most powerful features Spanish tax law allows the self-employed: private health insurance premiums for you, your spouse and children under 25 who live with you are deductible against your IRPF, up to €500 per insured per year. Cover is available from age 0 to 75 with no maximum age to remain insured, and you can extend the policy to your spouse and children up to age 26.
Two versions of the same product range – pick the one that matches how often you actually use private healthcare.
From 81,00 € / month
No co-payments - full cover, fixed monthly fee
€500/year tax deductible per insured
From 51,40 € / month
Lower premium - small co-payments, capped at €360/year
€500/year tax deductible per insured
Our Health Library guide to Sanitas benefits for the self-employed in Spain explains Total Protection, accident cover and the tax deduction in detail.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Professional and Sanitas Professional Plus in English, at the same price as buying direct from Sanitas.
Spanish tax law (Art. 30.2.5 of the IRPF Act) lets self-employed workers deduct private health insurance premiums for themselves, their spouse and their children under 25 living with them, up to a limit of €500 per insured per year - or €1,500 per insured per year where any of those persons has a recognised disability. In practice this means a typical autonomo with a spouse and two children can deduct up to €2,000 per year against their professional income, recovering a meaningful percentage of the premium back through their annual IRPF declaration.
*Tax information is general and based on Spanish IRPF rules in force at the time of writing. We are health insurance specialists, not tax advisors - speak to your gestor or asesor fiscal to confirm how the deduction applies to your specific situation.
| Feature | Sanitas Professional | Sanitas Professional Plus |
|---|---|---|
| Co-payments | None | €0 for services 1 to 6, €4 for 7 to 10, €7 for 11 to 15 and €10 after 15; €12 for high-frequency services; capped at €360 a year per insured |
| Dental | Sanitas Dental 21: more than 40 services included and 21% off other dental treatments | Dental Basico: 20 services included, with a €3 dental co-payment |
| Accidental death funeral cover | Included, up to €5,250 per person | Not included |
| Total Protection | Included: up to 3 monthly premiums or €200 a year | Included: up to 3 monthly premiums or €200 a year |
| Waiting periods | Group 0 to II procedures: 3 months. Complex diagnostic tests and psychology: 6 months. Childbirth or caesarean section: 8 months. Hospitalisation, Group III to VIII procedures, complex therapeutic methods, tubal ligation and vasectomy: 10 months. | Group 0 to II procedures: 3 months. Complex diagnostic tests and psychology: 6 months. Childbirth or caesarean section: 8 months. Hospitalisation, Group III to VIII procedures, complex therapeutic methods, tubal ligation and vasectomy: 10 months. |
| Tax deduction | Up to €500 a year per insured, except in the Basque Country | Up to €500 a year per insured, except in the Basque Country |
| Spanish residency | Accepted once you are registered as autonomo | Not accepted, because it has co-payments |
Taking on staff? Sanitas Pymes business health insurance starts from 5 insured, and Sanitas Pymes Digital covers companies with 5 to 100 employees. Sanitas Inicia is the entry-level company plan for small teams, and Sanitas Corporate covers companies of 100 or more employees.
The Professional range is designed for workers registered as autonomo in Spain - freelancers, sole traders, contractors, consultants and self-employed business owners. The plan also covers the autonomo's spouse and children up to 26 years old.
Yes. Under Article 30.2.5 of the IRPF Act, an autonomo paying premiums for themselves, their spouse or their children under 25 living with them can deduct the premiums as a business expense, up to €500 per insured per year (€1,500 per insured per year where the insured has a recognised disability). Sanitas issues an annual certificado de primas pagadas to support the deduction.
Professional has no co-payments at all - you pay your monthly premium and that is it. Professional Plus is cheaper per month but adds small co-payments per service used (€0 for the first six services, then €4, €7 and €10 as you use more), capped at €360 per year per insured. High-frequency services such as physiotherapy and respiratory therapy are €12. Both versions include the same sick-pay, work-accident and family cover.
If you are immobilised at home or in hospital due to Temporary Disability or hospitalisation for more than 72 hours, Sanitas refunds the corresponding monthly premium. The benefit is capped at 3 monthly premiums or €200 a year per policy. There is no waiting period when the cover starts. Between two claims, Sanitas applies no wait after an accident, 1 month for a different illness and 6 months for the same illness. The benefit is valid up to age 75. Total Protection does not pay out for maternity leave, cosmetic treatment, back pain without scan evidence, headaches, depression or stress.
Yes. Healthcare for an accident at work, a road accident or a professional illness is covered on both the Professional and Professional Plus plans - including access to the full Sanitas medical chart, with no extra payments and no paperwork. This is one of the most important differences against generic health policies, which usually exclude these accidents.
On Sanitas Professional only, if an insured person dies in an accident, Sanitas arranges the funeral service and transfer within Spain through providers it appoints, up to €5,250 per person. It is not paid as cash on top of the funeral. The heirs receive the €5,250 instead only if Sanitas could not provide the service for reasons beyond its control, or the funeral was carried out through other means. Sanitas Professional Plus does not include this cover. To activate the cover the family calls us on (+34) 952 835 600 straight away, and we arrange it with Sanitas, which needs the official medical death certificate.
GPs, specialists and routine care start from day one. The standard Sanitas waits apply to high-cost services: 3 months for OMC group 0-II surgical procedures, 6 months for complex diagnostic tests and psychology, 8 months for childbirth or caesarean, and 10 months for hospitalisation, OMC group III-VIII surgery, complex therapeutic methods and tubal ligation/vasectomy.
Yes. Both plans accept the autonomo, their spouse and their children up to 26 years old on the same policy - one renewal date, one tax certificate, and a single point of contact for the whole family.
You can take out the policy from age 0 to 75. There is no maximum age to remain insured - once on the policy you can keep renewing for life.
Both plans include emergency medical cover abroad for trips of up to 90 days, with an annual limit of €12,000 per insured. For frequent international travellers we usually recommend pairing the policy with a worldwide reimbursement add-on or moving to one of our international plans.
The autonomo tax deduction applies to any worker registered as autonomo with Hacienda and the RETA (Regimen Especial de Trabajadores Autonomos) who determines income under estimacion directa. The deduction also applies to the autonomo's spouse and children under 25 who live with them. The policy must be in the autonomo's name and the premiums paid by the autonomo, from any account in their name. Sanitas issues a year-end certificado de primas pagadas, sent to customers each January.
Sanitas Proteccion Total supplies a home assistant for housework and childcare, taxis to keep the autonomo working through the first two weeks, prescription delivery and physiotherapy at home. The support applies when the policyholder is immobilised at home or in hospital for more than 72 hours due to Temporary Disability. Cover for the policyholder runs up to age 75.
Yes, an autonomo registered in Spain's special social security regime for the self-employed (RETA) gets public healthcare on the same footing as an employee, with dependants covered too. The public system treats you in its own time, and for an autonomo a wait for a scan or an operation can mean lost income. Private cover such as Sanitas Professional adds specialists and surgery without the public waiting lists.
Sanitas Professional, with no co-payments, costs from 81,00 € a month, and Sanitas Professional Plus, with co-payments capped at €360 a year per insured, from 51,40 € a month. Your price depends on your age and where you live in Spain. An autonomo taxed under direct assessment can deduct up to €500 a year per insured from taxable income.
Compare your price for both plans on our self-employed plans comparison, then apply through HealthPlan Spain in your own name, in English. HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella, and you pay the same premium as buying from Sanitas. Policies start on the 1st of a month, and our team answers by phone or email Monday to Friday 8am to 6pm and Saturday 9am to 2pm. The Professional plans need your autonomo registration, so for a visa application made from abroad see our health insurance for a Spanish visa page.
Get a personalised quote in minutes, or talk to one of our autonomo specialists in English or Spanish.
*Most services are accessible from day one. Hospital admissions, surgery, complex diagnostics and childbirth carry standard waiting periods of 3 to 10 months. Tax deduction limits and rules are general and may change - speak to your asesor fiscal for advice on your specific situation.
Sanitas is one of Spain's leading providers of private medical insurance, backed by Bupa and trusted by over 3 million members. The Professional range was designed specifically around what self-employed workers need: predictable monthly cost, sick-pay protection, work and road accident cover, and a tax-deductible premium that recovers a meaningful chunk of the spend each year.
We are an authorised Sanitas mediator and our entire team is bilingual English/Spanish. Compare plans, get your quote and join online in minutes - or speak to a specialist who will walk you through which version fits your real-world usage.