Add-on
Pharmacy
from €4,30 / month per person
Claim back 50% on your prescribed medicines in Spain, up to €200 a year.
Does Sanitas health insurance cover prescriptions?
Not on most plans. Sanitas health insurance covers medicines used during a covered hospital stay, but most plans exclude prescribed medicines from a pharmacy. The Sanitas Pharmacy add-on reimburses 50% of those costs, up to €200 per insured person a year, from €4,30 a month per person. Sanitas Premium 500 includes this reimbursement as standard, up to €300 a year.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas health plans and the Pharmacy add-on in English, at the same price as buying direct from Sanitas.
What the Pharmacy add-on covers
The pharmacy add-on reimburses 50% of the cost of your prescribed medicines, up to €200 per insured person, each policy year. So if your prescriptions came to €400 in a year, you would get the full €200 back - and the limit renews when your policy renews.
It covers any medicine that is authorised for sale in Spain and prescribed for a condition your policy covers - whether the prescription comes from a Sanitas doctor or another doctor practising in Spain. To claim, you simply submit the pharmacy receipt and the prescription, and your reimbursement is paid back to you.
There are no waiting periods, so you can claim from day one. The cover applies in Spain and its islands, and is taken for everyone insured on the policy.
How to add it: Pharmacy is selected at the application form stage, when you take out a new Sanitas plan or at renewal. It is taken for everyone insured on the policy.
Sanitas Pharmacy add-on at a glance
- Reimbursement: Sanitas Pharmacy add-on reimburses 50% of the cost of prescribed medicines, up to €200 per insured person each policy year.
- Price: Sanitas Pharmacy add-on costs €4,30 a month per person; the Pharmacy and home services version costs €8,20 a month per person.
- Which medicines: Sanitas Pharmacy add-on covers any medicine authorised for sale in Spain and prescribed for a condition the policy covers.
- No waiting periods: Sanitas Pharmacy add-on has no waiting periods when it is added at the start or at renewal, so claims can be made from the first day of cover. If it is added during the contract year, as Pharmacy Ahora, a 4-month qualification period applies.
- Where it applies: Sanitas Pharmacy add-on applies in Spain and its islands, with prescriptions from a Sanitas doctor or any doctor practising in Spain.
- Age limits: Sanitas Pharmacy add-on can be taken out from age 0 to 75, with no upper age limit to keep it.
- Plans: Sanitas Pharmacy add-on is an optional extra on every Sanitas plan; on Sanitas Premium 500 only the Pharmacy and home services version can be added.
- Included on Premium 500: Sanitas Premium 500 includes pharmacy reimbursement as standard at 50% up to €300 a year, so on that plan the add-on only brings the home services version.
What changes by plan
Sanitas sells this add-on in two versions. Pharmacy gives you 50% back on prescribed medicines up to €200 a year, at €4,30 a month per person. Pharmacy and home services, at €8,20 a month per person, adds home delivery of prescribed medicines (6 a year), blood tests at home (2 a year) and physiotherapy at home (6 sessions a year), and the reimbursement limit rises to €300 a year.
- Sanitas Premium 500: the pharmacy reimbursement (50% back up to €300 a year) is already included at no extra cost; the Pharmacy and home services version can be added for the home delivery of medicines, blood tests at home and physiotherapy at home.
- Sanitas Mas Salud Family: home delivery of your prescribed medicines is already included (up to 3 deliveries a year, within 24 hours); the 50% reimbursement is the optional add-on, in either version.
- Sanitas Unico: home delivery of your medicines is already included (3 deliveries a year, within 3 hours); the reimbursement is the optional add-on, in either version.
- Sanitas International Students: only the Pharmacy version can be added.
- Sanitas Residents Visa: either version, charged with your six-monthly or yearly premium.
- Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Top Quantum, Mas 90, Mas 90 Plus, Professional, Professional Plus, Accede and Avanza: either version.
Important information
How much you get back
50% of your prescribed medicine costs, up to €200 per insured person, each policy year (the limit renews at renewal).
How to claim
Submit the pharmacy receipt and the prescription, and your 50% reimbursement is paid back to you.
Which medicines
Any medicine authorised for sale in Spain and prescribed for a condition covered by your policy.
Where it applies
Spain and its islands. The prescription can come from a Sanitas doctor or any doctor practising in Spain.
Waiting periods
None - you can claim from the very first day.
Who can take it
Ages 0-75 to take out, with no upper age limit to keep it. It is taken for everyone insured on the policy.
A quick example
You pay for your prescriptions during the year and claim back half, up to the €200 cap. The limit is €200 per insured person in any policy year, and it renews each time your policy renews:
- A €40 prescription - you claim €20 back.
- €400 of prescriptions in any policy year - you claim the full €200 back.
Already included on some plans
You do not always need to add this option. Sanitas Premium 500 already includes pharmacy reimbursement as standard - and at a higher limit of 50% up to €300 a year - so on that plan the only version you can add is Pharmacy and home services, for the home delivery of medicines, blood tests at home and physiotherapy at home. On every other Sanitas plan, pharmacy cover is the optional add-on described above (50% up to €200).
Pharmacy frequently asked questions
Who is eligible for the pharmacy option?
Anyone under the age of 75. Once the option has been purchased there is no age limit to remain insured with it.
What medicines are covered?
Any medicine authorised for sale in Spain that is prescribed to treat a condition covered by your health policy. You claim back 50% of the cost, up to €200 a year.
How do I claim my pharmacy costs back?
Keep the pharmacy receipt and the prescription, then submit them (for example through the app) within 90 days of the receipt date. Your 50% reimbursement is paid back to you, up to the €200 limit.
Does the €200 limit reset each year?
Yes. The €200 limit applies per insured person in any policy year, and it renews each time your policy renews.
If my policy is for 2 adults, can we choose which insured person has the pharmacy option?
No. Pharmacy is taken for everyone insured on the policy.
Do any of your health plans include the pharmacy option for free?
Yes - Sanitas Premium 500 already includes pharmacy reimbursement as standard, and at a higher limit (50% up to €300 a year), so on that plan the only version you can add is Pharmacy and home services, for the home delivery of medicines, blood tests at home and physiotherapy at home. On every other Sanitas plan it is the optional pharmacy add-on (50% up to €200).
Are there any qualification periods attached to the pharmacy option?
None when it is added at the start or at renewal. If it is added during the contract year, as Pharmacy Ahora, a 4-month qualification period applies.
Are pre-existing conditions or medical history taken into consideration if I add the pharmacy option?
No.
Why should I consider adding the pharmacy option to my cover?
Pharmaceutical costs can mount up. If you use a pharmacy several times throughout the year this option will definitely cut costs for you.
How do I add the pharmacy option to my quote?
You can add any add-on to your overall quote when you complete our online application form.
Can I use the pharmacy option outside of Spain?
No. This option only covers you within Spain and its islands. A prescription can be arranged by a non-Sanitas network provider, but they must have a practice in Spain.
Does the Sanitas Pharmacy add-on pay the full cost of my medicines?
No. Sanitas Pharmacy add-on reimburses 50% of the cost of prescribed medicines, up to €200 per insured person each policy year. A €40 prescription gives €20 back, and €400 of prescriptions in a policy year gives the full €200 back. The limit renews each time the policy renews.
Can I add the Sanitas Pharmacy add-on at renewal?
Yes. Sanitas add-ons are selected at the application form stage, when taking out a new Sanitas plan or at renewal. Pharmacy is taken for everyone insured on the policy. There are no waiting periods, so claims start from day one.
How much does the Sanitas Pharmacy add-on cost?
The Sanitas Pharmacy add-on costs €4,30 a month per person, for 50% back on prescribed medicines up to €200 a year. The Pharmacy and home services version costs €8,20 a month per person, raises the limit to €300 a year and adds home delivery of medicines, blood tests at home and physiotherapy at home.
Does Sanitas health insurance pay for medicines in hospital?
Sanitas health insurance covers the medicines used during a covered hospital admission, provided they are authorised for sale in Spain. On most Sanitas plans, prescribed medicines you buy at a pharmacy are not covered, and the Pharmacy add-on reimburses 50% of them; Sanitas Premium 500 includes pharmacy reimbursement as standard.
Does the Sanitas Pharmacy add-on cover over-the-counter medicines?
The Sanitas Pharmacy add-on does not cover over-the-counter products or herbal medicine. It reimburses 50% of medicines authorised for sale in Spain that a doctor has prescribed for a condition your policy covers.
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