The Sanitas Inicia plan is a "pay as you go" plan for registered companies in Spain and provides top quality medical assistance including an outpatient service (consultations, diagnostic tests and therapies) all at a reduced premium. Outpatient surgery is also included in this policy (interventions of this kind represent approximately 44% of all surgical operations).
If you have a life threatening emergency then you are not required to contribute towards the costs. However, if hospitalisation is required for an elective hospital stay or surgery you will have to contribute to the cost of the service required. These services need to be authorised prior to the date of hospital admission.
The costs of these services vary depending on the type of service required and are divided into 4 levels:
LEVEL 0. €0 Ambulatory surgery (included).
LEVEL 1. €1000 Hospitalisation without surgical intervention.
LEVEL 2. €2000 Surgical operation e.g. caesarean birth.
LEVEL 3. €3000 Major surgical operations e.g. open heart operations.
You will need to know the corresponding level of service that you require when arranging your admission to hospital.
If you need to undergo more than one surgical procedure at the same time, you will be charged for the surgery that has been classified as the most critical.
Please note: the Sanitas Inicia plan is NOT suitable for residency / N.I.E. or visa applications.
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
Yes. In an emergency you can use your travel assistance cover up to 12,000 per claim.
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 on this site by clicking here. They will also be available inside your online account after you have purchased this policy.
Co-payments are like excesses and they are charged for each service you use and are collected every month from your account on file. The following illustration details the co-payments for the Sanitas Inicia plan. The amount of the co-payment that you pay depends upon how many times you have already used services in the year - When the policy renews the services are reset back to zero services used.
Single co-payment for the services listed below of €12.
*Physiotherapy (10 sessions), ventilation (15 sessions), oxygen therapy (30 days for bpap and cpap and 15 days for aerosol) and preparation for childbirth.
Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Inicia plan. 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.
Yes. The Sanitas Inicia plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
Initially you may contract this policy up to age 74. There is no upper age limit to remain covered, once the policy is in force.
There is a 4% discount if you pay yearly.
No. The minimum number of insured for the Sanitas Inicia plan is 5 people.
The Sanitas Inicia plan does NOT include dental cover. For more details on separate dental plans please click here
Nothing for now, however, we will need you to complete the application form.
Premium valid during the first contractual annuity for new registrations of new policies with effect date between 01/12/2021 and 30/11/2022 on which the surcharge of the Insurance Compensation Consortium will be applied 0.15% of the premium net Maximum age of employment 60 years and without limit of age of permanence. The indicated premiums will vary depending on the place of residence of the insured. Specifically: Ibiza, Menorca have a surcharge of 15%, Mallorca 4% and the province of Barcelona 5%.