Sanitas Professional Plus is a private health insurance plan built for self-employed people in Spain. It provides full access to the Sanitas medical network (GPs, specialists, tests, hospitalisation and surgery), while keeping the monthly premium lower through a structured co-payment system.
What makes Professional Plus different is its Total Protection benefits — extra support designed around real-life “autonomo” problems if you are hospitalised or temporarily unable to work. This can include services such as help with housework, home delivery of medicines, physiotherapy at home, and premium reimbursement (within policy limits).
You also have cover for healthcare following an accident at work or a road traffic accident, plus emergency travel assistance abroad for short stays, plus dental services, and access to digital healthcare through the App.
GPs & specialists Primary care + all specialties
Diagnostics Simple and complex diagnostic tests, X‑rays, ultrasounds
Total Protection Extra support for autonomos
Digital care Video consultations, e‑prescriptions, results via the app
Summary - exact limits are confirmed in policy terms + conditions.
Benefit
Included
Notes / Limits
Primary care & Specialists
Yes
Access to primary care, emergencies and all medical and surgical specialties (paediatrics, gynaecology, cardiology, dermatology, etc.).
Diagnostics & Tests
Yes
Simple tests (blood tests, ultrasound scans, etc.) and high-tech tests (CT scans, MRIs, etc.) when prescribed (authorisation may apply for certain tests).
Hospitalisation & Surgery
Yes
Hospitalisation and surgery within the Sanitas network (authorisation applies where required).
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).
Protection of payments
Yes
remium reimbursement: an amount equivalent to one monthly premium from the third day of temporary incapacity or hospitalisation, up to a maximum of €200 or 3 monthly premiums per policy and annuity (whichever is lower).
Home physiotherapy (early recovery)
Yes
Physiotherapist dispatched to your home for prescribed therapies due to accident or illness, up to 20 hours per annuity and insured.
Dental
Yes
Dental cover with 20 services included.
International 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).
Co‑payments
How co-payments work - With Sanitas Professional Plus, you only contribute when you use a service. Co-payments are applied per insured person and reset at each policy renewal. Unlike some co-payment plans, Professional Plus includes an annual co-payment cap of €360 per insured person.
Below is the co-payment schedule for Sanitas Professional Plus:
Service type / frequency
Co‑payment
From 0 to 6 services
€0
From 7 to 10 services
€4 per service
From 11 to 15 services
€7 per service
From 15 services
€10 per service
High frequency services*
€12
Dental co-payment
€3
*High frequency services include: pre-natal classes; physiotherapy (10 sessions); ventilation therapy and aerosol therapy (15 sessions); and other respiratory therapies (oxygen, BPAP and CPAP) measured in 30-day periods.
Important: Co-payments are capped at €360 per year and insured. Once the cap is reached, further covered services are not charged a co-payment for the remainder of that policy year.
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
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 Professional Plus:
Dental cover: Dental cover with 20 services included.
Emergency assistance abroad: For stays of up to 90 days (limits apply).
International second opinion: Included for serious chronic diseases requiring scheduled care (as defined in the policy).
Digital healthcare services: Full access via the Mi Sanitas app, including video consultations and digital health tools.
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: Pay 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 pockets 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 maximum age 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 Professional Plus plan
Choose a GP, specialist, clinic or hospital from the Sanitas medical network and make an appointment via phone or the App.
Identify yourself using your digital card in the Mi Sanitas app (or your physical card).
Use services as needed. Sanitas will pick up the corresponding co-payment with your next monthly premium (up to the annual cap), with tracking available in the App.
Compare Professional Plus 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 Plus
Designed for self-employed
No
No
Yes
Outpatient consultations
Yes
Yes
Yes
Hospitalisation & surgery
Yes
Yes
Yes
Co-payments
Yes
Yes
Yes (annual cap)
Total Protection (autonomo support)
No
No
Yes
Emergency assistance abroad
Yes
Yes
Yes
Dental included
30 services
30 services
20 services
FAQ
Who is Sanitas Professional Plus designed for?
Professional Plus is designed for self-employed people in Spain (autonomos), and can also include a spouse and children up to 26 years old.
How do co-payments work, and is there a cap?
Co-payments apply when you use medical services. Professional Plus has a frequency-based co-payment system and includes an annual co-payment cap of €360 per insured person.
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, subject to the policy limits and exclusions.
Is this plan suitable for visa or residency applications?
No. As it includes co-payments, it is not suitable for Spanish visa or residency applications (such as the Non-Lucrative Visa or Digital Nomad Visa).
What dental cover is included with Sanitas Professional Plus?
Professional Plus includes Dental Basico. The services marked as Inc. are included. Please note: for Dental Basico, the insured pays a single dental co-payment of €3 per appointment day for included (Inc.) services, regardless of how many included services are provided that day (see policy terms).
Area
Service
Included
Preventive dentistry
General dental consultation: examination and diagnosis
Inc.
Preventive dentistry
Dental cleaning
Inc.
Paediatric dentistry (under 15)
Consultation
Inc.
Paediatric dentistry (under 15)
Oral cleaning
Inc.
Paediatric dentistry (under 15)
Topical fluoride treatments
Inc.
Paediatric dentistry (under 15)
Fissure sealer
Inc.
Paediatric dentistry (under 15)
Dental decay index analysis
Inc.
Paediatric dentistry (under 15)
Bacterial plaque study
Inc.
Paediatric dentistry (under 15)
Intraoral x-ray
Inc.
Paediatric dentistry (under 15)
Extraction of deciduous tooth
Inc.
Emergency
Emergency consultation
Inc.
Radiology
Intraoral scanner
Inc.
Radiology
Periapical / bite-wing / occlusal x-ray
Inc.
Oral surgery (extractions)
Single tooth extraction
Inc.
Oral surgery (extractions)
Tooth extraction (not wisdom tooth) included, plus dental cysts*
Inc.
Oral surgery (extractions)
Extraction per dental section
Inc.
Oral surgery (extractions)
Extraction of wisdom tooth not included*
Inc.
Oral surgery (extractions)
Extraction of wisdom tooth included, plus dental cysts*
Inc.
Oral surgery (extractions)
Extraction of root remains
Inc.
Oral surgery (extractions)
Post-operative check-up (includes removal of stitches)
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 €51,40
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.
