Switch to Sanitas Health Insurance in Spain

Already covered by private health insurance in Spain but thinking of making a change? You're not alone. Thousands of expats and residents switch to Sanitas every year — looking for better value, smoother service, and a provider that truly understands their needs.

Whether you're unhappy with your current insurer, need a policy that supports visa or residency requirements, or just want broader coverage and faster support, Sanitas makes switching simple. With a vast medical network, multilingual assistance, and plans tailored for life in Spain, you're in safe hands from day one.

What Does Our Health Insurance Cover?

We offer three levels of cover to match different needs and budgets. Reduced Cover includes GP care, basic specialists, and emergencies. Standard Cover adds hospitalisation, surgery, and wider access to specialists. Enhanced Cover gives you our most complete package – so you can include optional add-ons like international cover, repatriation and pharmacy reimbursement.

Reduced Cover

Keep costs low with essential protection
Basic outpatient consultations
Outpatient surgery (Avanza only)
Diagnostic tests
Access to 58,000+ professionals and Sanitas-owned clinics
24/7 digital consultations
Ideal for healthy individuals who rarely use medical services

Core Cover

Included in all comprehensive policies
GP and specialist consultations
Diagnostic tests (X-rays, MRIs, bloodwork etc.)
Hospitalisation and surgery
Emergency care across Spain
Emergency travel assistance worldwide
Access to 58,000+ professionals and Sanitas-owned clinics
24/7 digital consultations
Preventative care, paediatrics, and routine checkups

Enhanced Cover

Upgrade your plan for more benefits
Dental cover (included in most plans or available as an add-on)
Worldwide reimbursement
Work and traffic accident protection
Access to out-of-network specialists
Pharmacy reimbursement (50% up to €400/year)
Accidental death
Repatriation

How Switching Works

Step 1: Get Your Quote

Tell us a bit about your needs and we’ll recommend the right Sanitas plan for you — no pressure, just clear pricing and personalised advice.

Step 2: Share Your Current Policy

Send us your existing health insurance policy. Our team will review it and check whether we can match your benefits or waive qualification periods.

Step 3: Make the Switch

We’ll guide you through cancelling your old plan and starting your new Sanitas cover without gaps — so you’re never left without protection.

Why Sanitas Beats Other Insurers

Ideal for Expats

Sanitas specialises in serving the expat community in Spain. Whether you're here for work, retirement, study or family, our plans are built with your specific needs in mind. Get access to English-speaking support, expat-friendly documentation, and seamless onboarding — even if you're not fluent in Spanish.

Premium Hospital Network

Sanitas gives you access to over 50,000 professionals and some of the most prestigious private clinics in Spain — including the Sanitas-owned hospitals and medical centres. Enjoy shorter wait times, top-tier specialists, and the ability to choose your doctor or facility.

24/7 Digital Health Tools

With the MiSanitas app and online portal, you can book GP appointments, consult with doctors via video, download prescriptions, and access test results — anytime, anywhere. It’s private healthcare on your terms, without the paperwork or phone queues.

FAQs

Can I switch if I’m not currently insured in Spain?: Yes. but only from BUPA and only to specific plans (Mas Salud, Mas Salud Family and Top Quantum).

Can I bring my medical history with me?: No — your medical history will be assessed as part of the application process. You will be advised if any pre-existing conditions cannot be covered before the policy is finalised. Sanitas will waive your qualification periods only.

What If I’m still receiving treatment from my current insurer?: If you’re receiving treatment under another provider, let us know. If you simply need a repeat prescription then this will be covered as long as Sanitas covers the condition. If you are undergoing complex treatment for serious or chronic conditions then this is unlikely to be covered.

How long does the switch take?: In most cases, once your documentation is approved, your new Sanitas policy can start within 24–72 hours. We’ll guide you through every step.

Will I have qualification periods again?: No, with the exception of child birth. If you're switching from another private provider and have completed similar qualification periods, these will be waived. If you take a Sanitas policy that includes worldwide cover, qualification period will apply to claims for overseas treatment.

Can I include my family in the switch?: Absolutely. Sanitas offers joint policies for couples, families, and even newborns — with multi-person discounts in many cases.

Do you accept international policies (e.g. BUPA, Cigna)?: Yes, but only from companies within the BUPA Global group. We can review documentation from BUPA and help you transfer to a Sanitas plan that matches or exceeds your current coverage.

Will I lose access to my doctors?: Not necessarily — many doctors work with multiple insurers, including Sanitas.

Can I switch mid-policy?: Yes, but we recommend checking cancellation terms with your current insurer.

Do I need a medical checkup with a doctor to switch?: No. Just complete a short health questionnaire which is a part of the application form for our underwriting team.

Ready to get a quote?

Switching your health insurance to Sanitas is just a few steps away. You can get a quote online, we just need a few details from you to get started.

Get access to a wide network of Sanitas medical facilities and choose from a range of flexible healthcare benefits.

Policy type required – Tailor your plan to fit your needs and budget
Basic details – Your date of birth and location in Spain
Start date – Choose your preferred start date for coverage
Family members – Add partners or children if needed

Get a quote

Switch to Sanitas Health Insurance