What is Sanitas Mas 90 Plus?

Sanitas Mas 90 Plus is Sanitas Mas 90 with co-payments of €3.50 or €5 per service in the Sanitas network in Spain. It reimburses 70% of costs with any doctor or hospital outside the network, in Spain or worldwide, up to €90,000 per person a year. In the United States it pays 100% at centres Sanitas appoints, with prior authorisation.

Sanitas Mas 90 (with copayments) is a private medical plan that gives you fast access to doctors, specialists, diagnostic tests and hospital care through the Sanitas network in Spain, with small fixed copayments when you use services.

Unlike standard network-only plans, Mas 90 includes a built-in €90,000 reimbursement module. This allows you to use non-network providers in Spain or worldwide and claim back 70% of the costs, subject to the sub-limits and annual caps.

Visa / residency use: As this version includes copayments, it is not suitable for Spanish visa or residency applications, which require a policy without copayments. For a no co-payment plan accepted for visa and residency, see Sanitas Mas 90 or Sanitas Premium 500.

Sanitas Mas 90 Plus at a glance

• Co-payments: Sanitas Mas 90 Plus charges co-payments in the Sanitas network: €3.50 for high-frequency services, €5 for other services and €3 per dental service.
• 70% worldwide reimbursement: Sanitas Mas 90 Plus includes a €90,000 reimbursement module that pays 70% of eligible expenses with providers outside the network, in Spain and abroad.
• Hospital care outside the network: Sanitas Mas 90 Plus covers hospitalisation and surgery in the Sanitas network and reimburses hospital care outside the network up to €70,000 per insured per year.
• Waiting periods: Sanitas Mas 90 Plus waiting periods are 6 months for complex diagnostic tests, 8 months for childbirth and 10 months for hospitalisation and surgery.
• Ages: Sanitas Mas 90 Plus can be contracted up to and including 64 years of age, with no maximum age to remain insured.
• Not for visas: Sanitas Mas 90 Plus is not suitable for Spanish visa or residency applications, because these require a policy without co-payments.
• Dental: Sanitas Mas 90 Plus includes Sanitas Dental: more than 50 services for a €3 co-payment each, plus up to 40% off other Sanitas network dental treatments.
• Premiums paid if the policyholder dies: If the policyholder of Sanitas Mas 90 Plus dies, the next 12 months of premiums for the people insured are paid for them. This applies when payments are up to date and the policy insures more than one person, or its only insured person is not the policyholder.
• Authorised Sanitas agent: HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Mas 90 Plus in English, at the same price as buying direct from Sanitas.

What's included

This is a practical overview of services in the Sanitas network.

Co-payments

This version of Mas 90 includes fixed copayments. In plain English: you pay a small amount each time you use a service in the network.

Copayments are collected monthly by direct debit, based on the services used in that period. If you use the reimbursement route outside the network, you pay the provider directly and then claim back the eligible percentage, with no copayments applicable.

Exact service categorisation (what falls into high-frequency vs other) is confirmed in the official policy documentation.

€90,000 reimbursement module

Mas 90 can be used in two distinct ways:

• Network route: You use Sanitas network doctors/centres in Spain and the costs are settled directly by Sanitas with no need to pay and reclaim.
• Reimbursement route: with the €90,000 reimbursement module, you can use non-network providers (in Spain and worldwide) and claim back a percentage of costs, up to the stated caps.

Important: The reimbursement module is not travel assistance. Travel assistance (overseas emergency cover) is included and is described in the included Add-ons section.

Key reimbursement conditions (€90,000 Euros module)

• Reimbursement percentage: 70% of eligible expenses, in Spain and abroad.
• Annual maximum per insured: €90,000 Euros per year, split into sub-limits shown below.
• How you claim: Pay the provider, keep the invoice/medical report/proof of payment, and submit a claim following the policy requirements.
• Reasonable and usual costs: The reimbursement route covers reasonable and usual costs, meaning amounts no higher than similar providers in the same area normally charge.

Reimbursement limits table (€90,000 module)

These figures describe the reimbursement module limits. Eligibility rules, definitions, exclusions and claims requirements always apply.

Waiting periods (qualification periods)

Waiting periods are the minimum time you must be insured before you can access certain services. Most cover starts from the policy start date, but the services below require the stated qualification period.

*Emergency note: Qualification periods do NOT apply to accidents or illnesses that are sudden, life-threatening, and diagnosed after the policy start date.

Switching from another private insurer: If you are transferring from another insurer, waiting periods are waived for care provided through the Sanitas contracted medical network, subject to underwriting and acceptance. This does not automatically remove waiting periods for the reimbursement route.

Add-ons

Mas 90 Plus includes certain add-ons by default. Optional add-ons can be included at the application stage if required.

Included:

• Sanitas Blua: Digital health included free with your plan, giving you a 24-hour emergency video GP, video consultations in every specialty, digital physio, health checks and health programmes via the app.
• Travel assistance / overseas emergency healthcare: Included benefit for medical emergencies abroad due to illness or accident, for care required within 90 consecutive days from the start of each trip. This cover is separate to the €90,000 reimbursement module and follows its own emergency-only rules.
• Cover in the USA: Included cover for treatment only at the centres Sanitas appoints in the United States, with prior authorisation from Sanitas. Sanitas pays 100% of costs up to €90,000 per person per year, with hospital care up to €70,000 and outpatient care up to €18,000.
• Sanitas Dental: Included dental programme providing access to more than 50 dental services for a €3 co-payment per service. Other dental treatments in the Sanitas dental network are discounted by up to 40%.
• Hospital allowance: Pays you €69 a day for up to 90 days a year when you are in hospital and Sanitas is not paying for the stay. It is paid for stays in Spain after an 8-month waiting period, and not for psychiatric stays, stays of 24 hours or less or insured people over 70.

Optional add-ons:

• Repatriation: Optional cover to repatriate you to your country of origin in the event of death.
• Work / traffic accident cover: Work or traffic accident-related care is excluded unless this add-on is contracted.
• Pharmacy supplement: Reclaim 50% of eligible prescription costs (up to €200 per year).
• Optical supplement: Reclaim 50% off the cost of spectacle lenses or contact lenses (up to €600 per person per year).
• Family assistance: Qualified help at home (household help, care of children and dependent relatives, school runs and medicine delivery) when you are in hospital, convalescing at home or in the event of death. Chosen per person.
• Clinica Universidad de Navarra: Adds the Clinica Universidad de Navarra (Pamplona and Madrid) to your medical network, with a €10 co-payment per visit. Chosen per person.
• Income protection: Pays a further €60 a day while you are in hospital, on top of the €69 a day allowance already included.
• Accidental death cover: Insured-capital add-on in case of accidental death. €30,000 or €60,000 options available.

You can include add-ons at the application stage.

Eligibility, ages & payments

• Start dates: Policies start on the 1st of the month.
• Underwriting: Acceptance is subject to an assessment of your medical history.
• Payments: Monthly, quarterly, bi-annual or annual payment options.
• Age rules: The policy can be contracted up to and including 64 years of age. No maximum age to remain insured.

How to use the Mas 90 plan

1. For network care: Choose a doctor, specialist or hospital from the Sanitas network and follow the usual appointment/authorisation process.
2. For reimbursement care: Book your chosen provider, pay the invoice, and submit the required documentation to claim eligible reimbursement (70% subject to the module limits).
3. Copayments: When you use services within the Sanitas network in Spain, fixed copayments apply (including €3 per included dental service).

Keep invoices, medical reports and proof of payment for reimbursement claims, and submit them within 90 days of treatment as stated in the policy rules.

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