How do the qualification periods work?

All vital emergencies are covered immediately. This includes issues such as broken bones, not just life-threatening situations such as a heart attack for example.  From day 1 of the policy, you are also covered to see a general doctor or specialist and for routine diagnostic tests and also for outpatient emergencies.

There are no qualification periods applicable to dental care or travel assistance, except the dental cover on Sanitas Mas 90, Sanitas Mas 90 Plus and Sanitas Premium 500, which has an 8-month qualification period.  Most policies have qualification periods. The exceptions are Sanitas Residents Visa, Sanitas International Students and Sanitas Accede, which have none, and Sanitas Unico, which has none except for complex diagnostic tests. Company-paid business plans have none from 51 insured. If you switch after at least 12 months of continuous cover with another insurer in Spain, every waiting period for treatment in Spain is waived except childbirth. A Bupa policy follows the Bupa to Sanitas transfer rules. Our guide to Sanitas waiting periods lists them plan by plan. For all other applications they apply, and they are commonly used throughout Spain to prevent fraud taking place with regard to pre-existing conditions.  Unfortunately providing a doctor's report would not alter this.