Healthplan Spain

Healthplan Pymes Inicia

Business healthcare from €29 / Month

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Cover & Services

Cover & Services of Sanitas Inicia

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.

COVID-19 Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
medical fees Medical Fees:
100% cover of medical fees
wide range of service providers Choose Service Providers:
Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain.
Online support in your language Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
 Multi-lingual member support Multi-lingual Support:
Multi-lingual member support both online and over the telephone.
tax creditable Tax Credit:
The first 500 worth of premium is also tax creditable for each member.
tax creditable Extensive Network:
With Sanitas you have access to an extensive network made up of top professionals covering every aspect of your health, offering the best treatment and medical services available in Spain.

What is covered?

Doctors & Specialists Network of doctors and specialists
Access to a nationwide network of doctors and specialists
Primary Medicine Primary healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
Medical specialties Access to all medical specialties:
Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Inpatient surgery Inpatient surgery:
Subject to contributions towards the costs (see cover levels above).
Outpatient surgery Outpatient surgery:
Covered 100%
Diagnostic tests and therapies Diagnostic tests and therapies:
Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
High tech therapies High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Psychology services Psychology services:
Receive individual treatment for mental health issues such as anorexia, stress, depression, marital problems and insomnia.
Single Room Single Room:
A single room with a bed for your visitor when you are hospitalised (except for Psychiatric hospitalisation).
Single Room Travel Assistance:
In collaboration with Europ Assistance - up to a limit of 12,000 per person, per claim. More information
Extra Options

Extra Options

Pharmacy Pharmacy
Get 50% off your pharmacy costs. (must be taken by all insured)
Pharmacy Coverage Optical
Receive 50% reimbursement on your contact lenses and spectacle lenses every year when prescribed by a Sanitas optician. (must be taken by all insured)
Alternative medicine Alternative medicine
Visit any homeopathic specialist of your choice (both in and out of the Sanitas network) and receive 50% reimbursement. (can choose which insured have the option)


Is Corona virus (COVID-19) covered on this policy?

Coronavirus (COVID-19) is fully covered on this policy. For more information please click here

Can I use the Sanitas Inicia plan outside Spain?

Yes. In an emergency you can use your travel assistance cover up to 12,000 per claim.

What is a Network policy?

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.

What are co-payments and how much are they for the Sanitas Inicia plan?

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.

0-6 services
7-10 services
11-15 services
16+ services

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.

What are pre-existing conditions and how do they apply to the Sanitas Inicia plan?

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.

Does the Sanitas Inicia plan cover antenatal care or childbirth?

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.

What are qualification periods and how do they apply with regard to the Sanitas Inicia plan?
Qualification Periods
Outpatient surgery
3 months
High tech diagnostic tests
6 months
6 months
8 months
Hospitalisation & Surgery
10 months
10 months
10 months
Is there an age limit on becoming a Sanitas Inicia 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.

Are there any discounts as a Sanitas Inicia member?

There is a 4% discount if you pay yearly.

Can I purchase The Sanitas Inicia plan as a single individual?

No. The minimum number of insured for the Sanitas Inicia plan is 5 people.

Does the Sanitas Inicia plan include dental?

The Sanitas Inicia plan does NOT include dental cover. For more details on separate dental plans please click here

Can I add comprehensive international cover to the Sanitas Inicia plan?

No. The only extra options available with Sanitas Inicia plan are pharmacy / optical / alternative medicine.

What documents do you need from me?

Nothing for now, however, we will need you to complete the application form.

Terms & Conditions

Premium from €29

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%.