Add-on
Income Protection
from €2,00 / month per person
A cash payment of €60 for every day you spend in hospital, to help with the extra costs.
How much does the Sanitas Income Protection add-on pay a day in hospital?
Sanitas Income Protection (Sanitas Renta) is an add-on, from €2,00 a month per person, that pays you €60 for every day in hospital on most Sanitas plans. It pays for up to 90 days a year, doubles to €120 a day in intensive care and rises by 50% outside your home province. An 8-month qualification period applies.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas policies and add-ons in English, at the same price as buying direct from Sanitas.
The income protection add-on (Sanitas Renta) pays you €60 for every day you spend in hospital, to help with the extra costs that come up - transport, meals for family and other expenses while you are admitted.
The daily payment is doubled if you are admitted to intensive care (UVI), and increased by 50% if you are hospitalised outside your home province. It also includes 50% convalescence aid for 5 days after surgery, plus an allowance for childbirth or caesarean.
How to add it: All add-ons are selected at the application form stage - when you take out a new Sanitas plan or at renewal. Income Protection is chosen per person, so you choose which insured people on the policy take it.
Sanitas Income Protection add-on at a glance
- Daily payment: Sanitas Income Protection (Sanitas Renta) is an add-on paying €60 for every day you spend in hospital, for up to 90 days a year.
- Intensive care: Sanitas Income Protection doubles the daily payment to €120 if you are admitted to intensive care (UVI).
- Outside your province: Sanitas Income Protection increases the daily payment by 50% if you are hospitalised outside your home province.
- Surgery and childbirth: Sanitas Income Protection includes 50% convalescence aid for 5 days after surgery, plus a 6-day allowance for childbirth or caesarean.
- Age to take out: Sanitas Income Protection is available to take out from ages 0 to 75.
- Qualification period: Sanitas Income Protection has an 8-month qualification period before you can claim.
- Premium 500 and Mas 90: Sanitas Premium 500 includes a hospital allowance of €100 a day and Sanitas Mas 90 and Mas 90 Plus include €69 a day. Each allowance applies for up to 90 days a year when Sanitas is not paying for the stay. The Income Protection add-on can be added on top.
What changes by plan
- Sanitas Premium 500: a €100 a day allowance for up to 90 days a year is already included when Sanitas is not paying for the hospital stay; the add-on can still be added on top and pays a further €60 a day, at €2,00 a month per person.
- Sanitas Top Quantum: €30 a day for up to 90 days a year, at €4,80 a month per person.
- Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Mas Salud Family, Professional, Professional Plus, Accede, Avanza and Residents Visa: €60 a day for up to 90 days a year, at €2,00 a month per person.
- Sanitas Mas 90 and Mas 90 Plus: a €69 a day allowance for up to 90 days a year is already included when Sanitas is not paying for the hospital stay; the add-on can still be added on top and pays a further €60 a day, at €2,00 a month per person.
- Not offered on Sanitas International Students or Sanitas Unico.
Important information
What it pays
€60 for every day you spend in hospital, paid directly to you, for up to 90 days a year.
Double in intensive care
The daily payment doubles to €120 if you are admitted to intensive care (UVI).
More away from home
Increased by 50% if you are hospitalised outside your home province.
Convalescence & childbirth
50% convalescence aid for 5 days after surgery, plus a 6-day allowance for childbirth or caesarean.
Eligibility
Available to take out from ages 0 to 75, with an age limit of 75 to remain insured.
Waiting period
An 8-month qualification period applies before you can claim.
The hospital allowance included in Sanitas Premium 500, Mas 90 and Mas 90 Plus applies to stays of more than 24 consecutive hours for insured people up to age 70, excluding psychiatric stays.
Income Protection frequently asked questions
Who is eligible for the income protection option?
Anyone under the age of 75. Once the option has been purchased there is an age limit of 75 to remain insured with this option.
If my policy is going to be for 2 adults can we choose which insured person has the income protection option?
Yes, If you decide to purchase the income protection option then you choose which insured person on your policy take the option.
Do any of your health insurance plans include the income protection for free?
Yes. Sanitas Premium 500 includes a hospital allowance of €100 a day, and Sanitas Mas 90 and Mas 90 Plus include €69 a day. Each allowance applies for up to 90 days a year when Sanitas is not paying for the stay. The Income Protection add-on can still be added on top of that allowance.
Are there any qualification periods for the income protection option?
Yes. There is an 8 month qualification period before you can use any services associated with this option.
Are there any discounts If I decide to include all insured persons on my policy with the income protection option?
No.
Are pre-existing conditions / medical history taken into consideration if I purchase the income protection option?
Yes. These will be evaluated at the time your application is assessed for approval.
Why should I consider adding the income protection option to my overall cover?
Being in hospital is not fun! Especially If you need to be at work to earn those euros. This option will provide you with peace of mind knwing that some of your financial responbilities will be taken care of.
Is there a maximum number of days that I can claim for this option?
Yes. The maximum number of times this option can be claimed for is 90 days each year.
Can I claim if I am in hospital having a baby?
Yes, one allowance of six days can be claimed for.
Can I use the income protection option outside of Spain
No. This option only covers hospital stays in Spain.
When is the compensation paid to me?
All payments are made within 40 days from the date the receipt was lodged.
How do I add the income protection option to my quote?
You can add any add-on to your overall quote when you complete our online application form.
Does Sanitas Income Protection pay more if I am admitted to intensive care?
Yes. Sanitas Income Protection doubles the daily payment to €120 if you are admitted to intensive care (UVI). The daily payment is also increased by 50% if you are hospitalised outside your home province. Otherwise the add-on pays €60 for every day you spend in hospital, directly to you, for up to 90 days a year.
Does Sanitas Income Protection pay anything after surgery?
Yes. Sanitas Income Protection includes 50% convalescence aid for 5 days after surgery, as well as the €60 paid for every day you spend in hospital. The daily payment is paid directly to you, to help with extra costs such as transport and meals for family while you are admitted.
How much does the Sanitas Income Protection add-on cost?
Sanitas Income Protection costs €2,00 a month per person on most Sanitas plans and pays €60 for each day in hospital. On Sanitas Top Quantum it costs €4,80 a month and pays €30 a day. It is not offered on Sanitas International Students or Sanitas Unico.
Which Sanitas plans can I add Income Protection to?
Sanitas Income Protection can be added to Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Mas Salud Family, Professional and Professional Plus. It can also be added to Sanitas Accede, Avanza, Residents Visa, Premium 500, Mas 90, Mas 90 Plus and Top Quantum. It is not offered on Sanitas International Students or Sanitas Unico.
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