What is Sanitas Mas 90?

Sanitas Mas 90 is a Sanitas health plan with full cover through the Sanitas network in Spain and no co-payments, except €3 per dental service. 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. It also includes €12,000 a year of emergency cover abroad.

Sanitas Mas 90 (without copayments) is a private medical plan that gives you fast access to doctors, specialists, tests and hospital care through the Sanitas network in Spain, with no per-visit charges.

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: This plan is commonly used for Spanish residency and visa processes because it is private, comprehensive and contracted without copayments.

Sanitas Mas 90 at a glance

• Network cover, no co-payments: Sanitas Mas 90 covers consultations, diagnostics, hospitalisation, surgery and emergency care through the Sanitas network in Spain with zero co-payments.
• 70% worldwide reimbursement: Sanitas Mas 90 includes a €90,000 reimbursement module paying 70% of eligible costs at providers outside the network, in Spain and abroad.
• Waiting periods: Sanitas Mas 90 applies waiting periods of 3 months for outpatient surgery, 8 months for childbirth and 10 months for hospitalisation and surgery.
• Ages: Sanitas Mas 90 can be contracted up to and including 64 years of age, and there is no maximum age to remain insured.
• Visa and residency: Sanitas Mas 90 is accepted for Spanish visa and residency processes, with GP, specialist and emergency care from day one and no co-payments.
• Dental: Sanitas Mas 90 includes Sanitas Dental, an included dental programme in the Sanitas dental network, and dental services are the one exception to zero co-payments.
• Best for: Sanitas Mas 90 suits people who want free choice of any doctor, in the Sanitas network or outside it, in Spain or abroad.
• Premiums paid if the policyholder dies: If the policyholder of Sanitas Mas 90 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.
• Second medical opinion: Sanitas Mas 90 includes a second medical opinion from specialists anywhere in the world, chosen by Sanitas, for serious chronic illnesses with a seriously compromised outlook.
• Authorised Sanitas agent: HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Mas 90 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.

€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 only in the included Add-ons section.

Key reimbursement conditions (€90,000 Euros module)

• Reimbursement percentage: 70% (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.
• Hospital stays and operations: On the reimbursement route, tell Sanitas about a hospital stay or operation within 7 days of knowing about it, and send the medical report.

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 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.
• 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.

Optional add-ons:

• Repatriation: Optional cover to repatriate you to your country of origin in the event of death.
• Work / traffic accident cover: Road-accident-related care is generally excluded unless this add-on is contracted.
• Pharmacy supplement: Optional cover to reclaim a portion of eligible prescription costs.
• Optical supplement: Optional cover to reclaim a portion of eligible optical expenses.
• 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: Optional insured-capital add-on in case of accidental death.

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 health declaration and underwriting rules.
• Payments: Monthly 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. No copayments: There are no per-visit copayments on this version of the plan, with the exception of included dental services.

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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