Sanitas Professional is private health insurance designed for self-employed people in Spain. It gives you full access to the Sanitas medical network (GPs, specialists, diagnostic tests, hospitalisation and surgery) with no co-payments.
A key feature of this plan is Total Protection - practical support designed around real-life “autonomo” situations if you are hospitalised or temporarily unable to work. This can include services such as housework support, home delivery of medicines, physiotherapy at home, and premium reimbursement (limits and eligibility rules apply).
You also have cover for healthcare following an accident at work or a road traffic accident, emergency assistance abroad for short stays, dental services, and digital healthcare via the Mi Sanitas app.
Comprehensive cover Primary care + hospitalisation
Diagnostics Simple and complex diagnostic tests
Total Protection Extra support for autonomos
Digital care Video consultations, e‑prescriptions, results via the App + online wellness programmes
Visa / residency: Because this plan has no co-payments, it can be used for Spanish visa and residency applications. However, the policyholder must be registered as "autonomo" (self employed in Spain) before applying for the policy. If you want to compare other visa-suitable options, see our no co-payment health insurance guide.
What's included
Summary - exact limits are confirmed in policy terms + conditions.
Benefit
Included
Notes / Limits
GPs + Specialists
Yes
Access to GPs, emergencies and all medical / surgical specialties (paediatrics, gynaecology, cardiology, dermatology, etc.).
Diagnostics / Tests
Yes
Simple tests (blood tests, ultrasound scans, etc.) and high-tech tests e.g. CAT and MRI scans (authorisation may apply for certain tests).
Hospitalisation & Surgery
Yes
Hospitalisation and surgery within the Sanitas network (authorisation applies except emergencies).
Therapeutic methods
Yes
Includes simple therapies (rehabilitation, aerosol therapy, etc.) and high-tech methods (lithotripsy, radiotherapy, chemotherapy, etc.).
Accident cover (work / road)
Yes
Healthcare cover in the event of an accident at work or a road traffic accident.
Total Protection (self-employed support)
Yes
Additional support if you are hospitalised or temporarily incapacitated, including services such as housework support, home delivery of medicines, and physiotherapy at home (limits and conditions apply).
Dental
Yes
Dental cover with more than 30 services included.
Second opinion
Yes
Second opinion for serious chronic diseases requiring scheduled care, issued by leading specialists or centres designated by Sanitas.
Digital healthcare
Yes
Video consultations (GPs and specialists), emergency video consultations (general and paediatric), plus digital tools and wellness programmes via the App.
Emergency assistance abroad
Yes
Emergency assistance abroad for stays of up to 90 days (limits and exclusions apply - see terms).
No co-payments
Sanitas Professional has no co-payments. That means you pay the monthly premium, and you do not pay extra per appointment or per test for services within the Sanitas network.
What this means in practice: predictable monthly costs, with no “per-use” charges added later.
Note: some dental treatments may have fixed deductibles (set prices) under the Dental 21 tariff. Services marked as included (Inc.) are included.
Waiting periods (Qualification periods)
Qualification periods are the time that must pass from the policy start date before certain benefits are available. These qualification periods do not apply to accidents or illnesses that are life-threatening, unexpected, and diagnosed after the cover takes effect.
Service
Waiting period
Outpatient surgery - Group 0 to II procedures (OMC classification)
3 months
Complex diagnostic tests
6 months
Psychology
6 months
Childbirth or caesarean section (except premature birth)
8 months
Tubal ligation & vasectomy
10 months
Complex therapeutic methods (as defined in the glossary)
10 months
Hospitalisation and Group III to VIII procedures (OMC classification)
10 months
If you are transferring from another Spanish health insurance provider and have been insured with them for a minimum of 1 year, Sanitas will remove the qualification periods, with the exception of childbirth. If you are switching, see how to switch to Sanitas.
Add‑ons
Included with Sanitas Professional:
Dental cover: Dental cover with more than 30 services included.
Work / traffic accidents: Cover for work and road traffic related accidents.
Funeral insurance: Cover for the funeral service and associated procedures up to €5,250 per person.
Emergency assistance abroad: For stays of up to 90 days (limits apply).
Total Protection: Additional support services for self-employed members in cases of hospitalisation or temporary incapacity (conditions apply).
Optional add-ons:
Pharmacy reimbursement: Reimbursement of 50% of eligible prescription medication costs up to €200 per person per year.
Accidental death and disability cover: Pays you a lump-sum in the event of accidental death or permanent disability. €30.000 and €60,000 options available.
Optical: Reimbursement of 50% for contact lenses or spectacle lenses up to €300 per person per year.
Hospital subsidy: Daily cash payment of €60 for out of pocket expenses while hospitalised.
Add-ons are selected during the application process and are subject to the insurer’s acceptance and the applicable terms.
Eligibility, ages & payments
Who can apply: Available for the self-employed person (autonomo), their spouse, and children up to 26 years old.
Age at purchase: New contracts accepted from 0 to 75 years old.
No maximum age to remain covered: Once enrolled, there is no age limit to remain insured.
Start date: Policies begin on the 1st day of the month.
Premiums vary by age and geographical zone. Any applicable discounts are reflected in the price when you request a quote.
How to use the Sanitas Professional plan
Choose a GP, specialist, clinic or hospital from the Sanitas medical network and book an appointment via the Mi Sanitas app or by phone.
Identify yourself using your digital card in the app (or your physical card).
Use services as needed. If a service requires authorisation, Sanitas will request/confirm it before the treatment is carried out.
Compare Sanitas Professional with other plan types
A quick high-level comparison to help you choose the right structure. Exact benefits and limits depend on the specific policy version and optional modules.
Feature
Mas Salud Optima
Mas Salud Plus
Professional
Designed for self-employed
No
No
Yes
Outpatient consultations
Yes
Yes
Yes
Hospitalisation & surgery
Yes
Yes
Yes
Co-payments
Yes
Yes
No
Total Protection (autonomo support)
No
No
Yes
Emergency assistance abroad
Yes
Yes
Yes
Dental included
30 services
30 services
30 services
FAQ
Who is Sanitas Professional designed for?
Sanitas Professional is designed for people who are registered as self-employed in Spain (autonomo), and can also include a spouse and children up to 26 years old.
Are there any co-payments on this plan?
No. Sanitas Professional is a no co-payment policy. You only pay the monthly premium and medical services are not charged per visit, with the exception of dental treatments outside of the 30 included services.
What is “Total Protection”?
Total Protection is additional support aimed at self-employed members if you are hospitalised or temporarily incapacitated. It can include services such as home help, delivery of medicines, physiotherapy at home, and premium reimbursement, subject to limits and terms.
Is emergency assistance abroad included?
Yes. Emergency assistance abroad is included for stays of up to 90 days, up to €12,000 per person, per claim.
Is this plan suitable for visa or residency applications?
Yes - because it has no co-payments, Sanitas Professional can be used for Spanish visa and residency applications. If you want to compare other visa-suitable, no-copay options, see our no co-payment health insurance guide.
What dental cover is included with Sanitas Professional?
Sanitas Professional includes dental benefits (including access to the Sanitas dental network and a wide set of services). Services marked as Inc. are included. Other treatments are available with fixed dental deductibles, which are listed in the official dental table.
Service
Included
Preventative Dentistry
General dental consultation: examination and diagnosis
Inc.
Teeth cleaning
Inc.
Evaluation of treatments in progress
Inc.
Paediatric dentistry
Oral health education
Inc.
Dental decay index analysis
Inc.
Bacterial plaque study
Inc.
Intraoral x-ray
Inc.
Primary tooth extraction
Inc.
Emergencies
Consultation in case of emergency
Inc.
Radiology
Orthopantomography (panoramic)
Inc.
Intraoral scanner
Inc.
Intraoral camera photographs
Inc.
Periapical/bitewing/occlusal radiography
Inc.
Computed Tomography scan (Dental CT)
Inc.
Orthodontic x-ray study
Inc.
Lateral cranium x-ray
Inc.
Cephalometry
Inc.
Photographs for diagnosis, monitoring and end of treatment
Inc.
Extractions
Extraction (single tooth)
Inc.
Impacted tooth (non-third molar) extraction including periapical cysts*
Inc.
Extraction via sectioning
Inc.
Non-impacted third molar (wisdom tooth) extraction*
Inc.
Impacted third molar (wisdom tooth) extraction including periapical cysts*
Inc.
Root extraction
Inc.
Postoperative check-up (including suture removal)
Inc.
Veneers
Pharyngeal biopsy, intra-oral biopsy
Inc.
Maintenance of highly aesthetic veneers
Inc.
Post-treatment mouth guard with digital design
Inc.
Fixed Prostheses
Occlusion analysis
Inc.
Orthodontics
Orthodontic x-ray study
Inc.
Ancilliary Treatments
Annual post orthodontic maintenance for treatments under Milenium guarantee
Inc.
1st adjustment of metal braces
Inc.
1st adjustment of ceramic braces
Inc.
1st adjustment of Sapphire braces
Inc.
1st adjustment of self-ligating braces
Inc.
1st adjustment of aesthetic self-ligating braces
Inc.
1st adjustment of Damon braces
Inc.
1st adjustment of Damon Clear braces (Aesthetic)
Inc.
Orthodontic mouth guard (for treatments conducted at the same clinic)
Inc.
Implants
Implant maintenance for Milenium-guaranteed treatments
Inc.
Overdenture maintenance (includes cleaning and disinfection) for treatments under Milenium guarantee
Inc.
Hybrid prosthesis and bar overdenture maintenance (includes cleaning and disinfection) for treatments included under Milenium warranty
Inc.
Temporomandibular joint disorder
Occlusion analysis
Inc.
*The policy wording explains the difference between embedded and non-embedded teeth for extraction definitions. Dental prices/benefits may be updated annually.
Medical care provided outside the Sanitas medical network, unless an applicable optional module is contracted.
Treatment or assistance required as a consequence of alcohol abuse, drug dependence or the misuse of controlled substances.
Voluntary termination of pregnancy.
Alternative childbirth methods such as water birth or homebirth.
Preventive vaccinations, immunisations and self-administered vaccines.
Therapies or medical practices that are not recognised as conventional medicine.
Injuries or illnesses resulting from war, terrorism, rebellion, sedition, riots or civil unrest.
This is a simplified summary. Always refer to the official terms for the complete exclusion list.
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 €81,00
Premiums are valid for new policyholders whose coverage starts between April 1, 2026 and March 31, 2027. Rates may vary by region and are subject to applicable surcharges/taxes.
Coverage is available up to age 75, with no age limit for continued enrollment. Applies to self-employed individuals under the Direct Estimation Regime and their direct family members (spouse and children up to 26), except in the Basque Country. A new policyholder is someone not insured under any Sanitas policy in the 6 months prior to joining.
