Health Insurance With Co-Payments

Lower monthly premiums — only pay when you use it

Affordable pricing with small fees per medical service
Ideal for residents already living in Spain who want to reduce monthly costs
Full access to the Sanitas network, including GPs, specialists, and digital tools via the MiSanitas app

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What are co-payments in health insurance?

Co-payments in health insurance refer to a small fee you pay each time you use a medical service, in addition to your monthly premium. Choosing a plan with co-payments can reduce your monthly premium, making healthcare more affordable if you don't frequently use medical services.

Benefits of Choosing a Co-Payment Plan

Lower Monthly Premiums: Pay less each month compared to non-co-payment plans.
Flexibility: Choose from various levels of co-payments to suit your healthcare usage.
Access to Comprehensive Care: Enjoy the same coverage and access to Sanitas's medical network as non-co-payment plans.
Digital Services: Benefit from services like video consultations and digital health programs.

Types of Co-Payments with Sanitas

We adapt to your needs. With some of our health plans, you can choose from different co-payment levels to match your usage and keep your premiums as low as possible.

Medium Co-Payment

Lets you benefit from a more affordable monthly premium.

Low Co-Payment

Includes the first few services each year at no cost, and reduced co-payments thereafter.

No Co-Payments

Use your insurance with no additional per-visit costs.

Tips for Selecting the Right Co-Payment Plan

Assess Your Healthcare Usage: If you rarely visit the doctor, a plan with higher co-payments and lower premiums might be cost-effective.
Consider Family Needs: For families, evaluate plans that offer co-payment structures suitable for multiple members.
Review Coverage Details: Ensure the plan covers essential services you anticipate needing.
Check for Additional Benefits: Some plans include extras like dental care or wellness programs.

Frequently Asked Questions

Will I have fewer benefits with a co-payment plan?: No, co-payment plans offer the same coverage as non-co-payment plans. The difference lies in the payment structure, where you pay a small fee per service used.

How are co-payments billed?: Co-payments are typically billed monthly, with a detailed statement listing each service used and the corresponding fee.

Can I switch to a non-co-payment plan later?: Yes, Sanitas allows flexibility to switch between plans as your needs change. Contact us to discuss your options.

Are there limits on the number of visits or sessions?: Yes, some services have annual limits. For example, psychology is limited to 15 sessions per year, and podiatry to 12 sessions per year.

Why do co-payment plans have lower premiums?: Co-payment plans typically offer lower monthly premiums because you share part of the cost for each medical service used. This cost-sharing helps reduce your fixed expenses while encouraging responsible use of healthcare services.

Are pre-existing conditions covered?: Pre-existing conditions may be covered if declared at the time of contracting and accepted by Sanitas. Some chronic or severe conditions may be excluded based on medical assessment.

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*Most services are accessible from day one. Complex diagnostic tests such as MRIs and CT scans may have a 1 time only qualification period of up to 6 months.

About Sanitas Co-Payment Plans

Sanitas is a specialist in health and medical insurance. Our extensive experience and medical network allow us to design health insurance policies that fit every need.

With our co-payment health insurance plans, we offer different levels of co-payments so you can choose the option that best fits how often you plan to use your policy.

Explore our range of co-payment plans and calculate your quote for free.

If you prefer a health insurance policy with a fixed monthly fee and no co-payments, you can also browse our catalogue of non-co-payment options.

Health Insurance With Co-Payments

What are co-payments in health insurance?

Benefits of Choosing a Co-Payment Plan

Types of Co-Payments with Sanitas

Medium Co-Payment

Low Co-Payment

No Co-Payments

Compare Sanitas's Co-Payment Plans

Sanitas Accede

Sanitas Avanza

Sanitas Mas Salud Plus

Sanitas Mas Salud Optima

Sanitas Professional Plus

Sanitas Mas 90 Plus

Tips for Selecting the Right Co-Payment Plan

Frequently Asked Questions

Ready to Choose Your Plan?

About Sanitas Co-Payment Plans