Pro Pymes - Sanitas Health Plan Spain

Cover & Services

Cover & Services of Sanitas Pymes Digital

Taking care of your employees is key to creating a great place to work where they feel appreciated. In return you will see higher engagement and higher productivity - With Sanitas Pymes digital your staff will be provided with 100% cover in Spain plus access to all the facilities and specialists within the Sanitas network. It also comes bundled with dental cover (Dental 21) giving you access to all of our Millenium dental centres plus all the regular centres within the Sanitas network. This plan is available with OR without co-payments and you may also choose additional services (extra options) as part of your cover.

Please note: The Sanitas Pymes Digital plan is NOT suitable for residency / N.I.E. or visa applications.

Coronavirus (COVID-19): Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
Medical Fees: 100% cover of medical fees
Choose Service Provider: Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain.
Online Account: Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
Multi-lingual Support: Multi-lingual member support both online and over the telephone.
Tax Relief: Tax relief on premiums up to 500 per person.
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?

Primary Healthcare + hospitalisation: Including general medicine, nursing services, emergencies.
Access to all medical and surgical specialties: Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
Surgery: Inpatient and outpatient
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: Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
Online video consultation service: With a doctor available 24/7 without prior appointment.
Psychology services.
Physiotherapy: At your office or home.
Pharmacy delivery: Delivery of prescribed medications at your office or home.
Single Room: A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
Travel Assistance: in collaboration with Europ Assistance - up to a limit of 12,000 per person, per claim. More information
Work / traffic accidents:
Dental cover:
with Dental 21 you receive 30 services free including checkups, x-rays, simple extractions and yearly teeth cleaning. If you need more comprehensive dental cover we have a range of options **(link to main dental overview page)** for you to choose from.

Extra Options

Pharmacy Get 50% off your pharmacy costs. (must be taken by all insured)
Sanitas Dental Gives you 60 different dental services plus a discount of 40% for all other services. (must be taken by all insured)
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 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)

FAQ

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 Pymes Digital 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 Pymes Digital plan?

Co-payments are like excesses and they are charged for each service you use. The Sanitas Pymes Digital comes in 2 flavours: with co-payments or without co-payments - Co-payments are collected every month from your account on file. The following illustration details the co-payments version for the Sanitas Pymes Digital 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.

Services

Co-payment

0-6 services

€0

7-10 services

€4

11-15 services

€7

16+ services

€10

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 Pymes Digital plan?: Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Pymes Digital 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 Pymes Digital plan cover antenatal care or childbirth?: Yes. The Sanitas Pymes Digital 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 Pymes Digital plan?: Treatments

Qualification Periods

All vital emergencies

immediate

Ambulatory surgery

3 months

Radiotherapy

6 months

Chemotherapy

6 months

Cobalt therapy

6 months

Radioactive Isotope therapy

6 months

MRI scans

6 months

Nuclear medicine

6 months

Radio Neuro surgery

6 months

Bone Densitotherapy

6 months

Psychology

6 months

High tech diagnostic tests

6 months

Temporary incapacity

8 months

Hospitalisation (inpatients)

10 months

Hospitalisation (day patients)

10 months

Hospitalisation (childbirth)

8 months

Bariatric surgery

70 months

Is there an age limit on becoming a Sanitas Pymes Digital 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 Pymes Digital member?: Yes. There is a discount of 4% if you pay yearly.

Can I purchase The Sanitas Pymes Digital plan as a single individual?: No. The minimum number of insured for the Sanitas Pymes Digital plan is 5 people.

Does Sanitas Pymes Digital plan include dental cover?: The Sanitas Pymes Digital plan include dental21 dental cover, please click here for more information

Can I add comprehensive international cover to the Sanitas Pymes Digital plan?: Yes. Please click the "extra options" tab to see international options available with this plan.

What documents do you need from me?: Nothing for now, however, we will need you to complete the application form.

Terms & Conditions

Premium from €46: 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%.