Cover & Services
Cover & Services of Sanitas Mas 90
The Sanitas Mas 90 is an all inclusive health insurance policy covering you in Spain and worldwide with no co-payments (excesses). You´ll have free access to our Sanitas network + any medical provider of your choice outside of our network in Spain or worldwide. When you use services outside of the network or worldwide we will reimburse you 70% of the costs.
This policy is competitively priced because it also comes packed with our flagship dental plan "Sanitas Dental" at no additional cost.
The Sanitas Mas 90 plan is suitable for residency / N.I.E. or visa applications, however, if you need a "Spain only" policy for these purposes please try our Sanitas Mas Salud plan.
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Coronavirus (COVID-19):
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
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Medical fees:
100% cover of medical fees in Spain + 70% reimbursement outside the Sanitas network + worldwide
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Co-payments:
No co-payments: Simply present your membership card and everything is taken care of.
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Choose your own doctor:
with Sanitas MAS 90 you not only have access to the whole Sanitas network, but you can also visit any other healthcare centre or doctor of your choice, whether in Spain or anywhere else in the world.
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Discounts:
An extra discount of 10% for families of 3 or 4 insured members and a discount of 15% for families with 5 or more insured members.
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Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
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Multi-lingual:
Multi-lingual member support both online and over the telephone.
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Extensive network:
With Sanitas you have access to an extensive network made up of top professionals covering every aspect of your health, offering the best treatment and medical services available in Spain.
What is covered?
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Medical Fees:
100% cover of medical fees within the network + 70% cover of medical fees (up to €90,000 per person) outside of the network in Spain and worldwide.
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Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
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Access to all medical and surgical specialties:
Cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
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Surgery:
inpatient and outpatient
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Diagnostic tests and therapies:
Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
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High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
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Psychology services:
Treatment for issues such as anorexia, stress, depression, marriage counselling and insomnia.
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Protection for the Family:
In the event that the policy holder dies, the other beneficiaries also covered by the policy will not have to pay the premium for six months.
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Single Room:
A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
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Travel Assistance:
in collaboration with Europ Assistance - up to a limit of €12,000 per person, per claim.. More information
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Dental coverage:
Sanitas Dental is FREE with the Sanitas Mas 90 plan and give you access to all our dental centres and dentists in our dental network.
Extra Options
FAQ
FAQ
- Is Corona virus (COVID-19) covered on this policy?
Coronavirus (COVID-19) is fully covered on this policy. For more information please click here
- What is a Network policy?
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A network policy requires you to use doctors, hospitals and dentists who are contracted to provide services for Sanitas. Details of the Sanitas network are available on this site by clicking here. They will also be available inside your online account after you have purchased this policy.
- What is a reimbursement policy?
With a reimbursement policy you can go to doctors or hospitals outside of the network, both in Spain and abroad and claim back the cost. Sanitas Mas 90 comes bundled with a reimbursement module giving the insured up to €90,000 worldwide reimbursement cover.
- What are co-payments and how much are they for the Sanitas Mas 90?
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Co-payments are like excesses and they are charged for each service you use. The Sanitas Mas 90 has NO co-payments.
- What are pre-existing conditions and how do they apply in the Sanitas Mas 90?
Pre-existing conditions relate to previous pathologies prior to the date of you contracting the Sanitas Mas 90. If you have declared any pre-existing conditions on your application for the Sanitas Mas 90 one of our doctors will call you in confidence. From there a personal assessment will be made, which will guarantee the fairest and most comprehensive assessment of your health.
- What are qualification periods and how do they apply on the Sanitas Mas 90 plan?
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Treatment
Qualification Period
Outpatient surgery
3 Months
Complex diagnostic tests (e.g. CAT/MRI)
6 Months
Psychology
6 Months
Childbirth
8 Months
Non emergency admissions to hospital
10 Months
Complex therapies (e.g. chemotherapy)
10 Months
Tubal ligation (sterilisation) & vasectomy
10 Months
- Does the Sanitas Mas 90 plan cover antenatal care or childbirth?
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Yes. The Sanitas Mas 90 plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
- Are there any discounts for the Sanitas Mas 90 plan?
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Number of people insured
Discount
3 upwards
10%
5 and upwards
15%
Annual Payment
4%
Bi-annual payment
2%
- Is there an age limit on becoming a Sanitas Mas 90 member?
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The maximum contractual age is 64 years. Once the contract is in place, there is no upper age limit for the policy to remain in force.
- The Sanitas Mas 90 plan mentions something about dental, what dental cover is included with this plan?
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There are 50 services included with Sanitas Dental and discounts of up to 40% for all remaining services. If you use discounted services, we will also reimburse you up to €200 euros (per year) for the treatments you need.
- Is repatriation to my country of origin included?
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No.
- What documents do you need from me?
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Nothing for now, however, we will need you to complete the application form.
