Sanitas Mas Salud Family is a no co-payment private health insurance plan for families living in Spain. Our most economical policy for families requiring a plan for residency, foreigner identity number (NIE) or visa.
from €62,70 / Month
Full Mas Salud cover with zero co-payments
Visa & residency compliant for the whole family
Extra family benefits: speech therapy, home help, pharmacy delivery
Reviewed by Sean Guy, authorised Sanitas agent, code 22395. Updated September 2026.
Sanitas Mas Salud Family
Sanitas Mas Salud Family is a no co-payment private health insurance plan for families living in Spain. Our most economical policy for families requiring a plan for residency, foreigner identity number (NIE) or visa.
…
Full Mas Salud cover with zero co-payments
Visa & residency compliant for the whole family
Extra family benefits: speech therapy, home help, pharmacy delivery
Sanitas Mas Salud Family is a no co-payment private health insurance plan for families in Spain, accepted for visa and residency applications. It has the same core cover as Sanitas Mas Salud, plus 20 psychology sessions a year from day one and Family Assistance at home. Household discounts are 14% for three insured persons and 19% for four or more.
Sanitas Mas Salud Family is the enhanced version of the standard Mas Salud plan, created specifically for families living in Spain who want full medical cover with zero co-payments. It includes the entire Sanitas national network of specialists, diagnostic tests, hospital cover, treatments, and preventive care - plus a set of exclusive family-focused benefits not included in other Mas Salud plans.
This plan is also fully compliant with Spanish visa and residency requirements, making it suitable for Non-Lucrative Visa (NLV) applicants, Digital Nomad Visa applicants, and families relocating to Spain who need proof of comprehensive health insurance.
In Spanish the plan is called Sanitas Más Salud Familias. It is the same plan, sold across Spain by Sanitas, part of the Bupa group, and this page describes it in English.
HealthPlan Spain is an English-speaking authorised Sanitas office in Marbella. We quote, set up and support Sanitas Mas Salud Family policies in English, and the plan brochure can be downloaded in English from the Documents section.
As an authorised Sanitas agent (agent code 22395), HealthPlan Spain arranges Sanitas Mas Salud Family at the same price as buying direct from Sanitas.
The plan is ideal for families who need fast access to paediatrics, maternity care, antenatal tests, emergency services, mental health support, rehabilitation, dental cover, and ongoing specialist appointments. It also includes a private hospital room with a visitor bed, 24/7 emergency video consultations and international travel assistance of up to €12,000 per person, per year.
In addition to the full Mas Salud cover, the Family plan adds extra psychology sessions, speech therapy, home help during illness, childcare support, and pharmacy delivery - making it one of Sanitas' most comprehensive plans.
General practitioners (GPs) & specialists Unlimited visits across the Sanitas network
Diagnostics Simple and complex diagnostic tests, X-rays, ultrasounds
Therapies Physiotherapy, speech therapy and therapeutic care
Digital care Video consultations, e-prescriptions, results via the app
Sanitas Mas Salud Family at a glance
Co-payments: Sanitas Mas Salud Family has no co-payments, so all services within the Sanitas network are included in the premium.
Hospital cover: Sanitas Mas Salud Family covers inpatient and outpatient surgery in Sanitas network hospitals, with a single room and a bed for a companion, except for psychiatric hospitalisation.
Waiting periods: Sanitas Mas Salud Family has no waiting period for vital emergencies, primary care or psychology, and 10 months for hospitalisation and surgery.
Age limits: Sanitas Mas Salud Family accepts new contracts up to age 75 inclusive, with no maximum age to remain insured.
Visa and residency: Sanitas Mas Salud Family is compliant with Spanish visa and residency requirements for the whole family, with GP, specialist and emergency care from day one.
Dental: Sanitas Mas Salud Family includes Dental 21, with more than 40 dental services free of charge and 21% off all other treatments.
Psychology: Sanitas Mas Salud Family includes 20 psychology sessions per person per year from day one, with no prescription or authorisation needed.
Speech therapy: Sanitas Mas Salud Family includes 20 speech therapy sessions a year for speech impairments and for problems of the larynx and vocal cords, after a 6-month waiting period.
Family Assistance: Sanitas Mas Salud Family includes Family Assistance, with up to 20 hours of home help and 30 hours of childcare after a hospital stay of over 48 hours or over 5 days housebound.
Household discount: Sanitas Mas Salud Family takes 14% off the household with three insured persons and 19% with four or more, so it costs less than Sanitas Mas Salud for three or more people.
Newborns: Sanitas Mas Salud Family covers a newborn from birth when either parent has been insured on the policy for at least 240 days and the baby is added within 30 days.
Best for: Sanitas Mas Salud Family suits families in Spain who want fast access to paediatrics, maternity care, mental health support and ongoing specialist appointments.
What does Sanitas Mas Salud Family include?
Summary - exact limits are confirmed in the policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Full access to the entire Sanitas medical network, including unlimited consultations with general practitioners and all medical & surgical specialties.
Complete inpatient and outpatient surgery cover in Sanitas network hospitals, including a single room with a bed for a companion (except psychiatric hospitalisation).
Emergency care
Yes
24/7 emergency medical assistance across Spain, including urgent care, accident and emergency (A&E), ambulance services when medically required, and 24/7 video emergency consultations.
Maternity & Childbirth
Yes
Includes antenatal consultations and diagnostic tests, childbirth, hospital stay and postnatal care. It also includes antenatal classes and an online pregnancy wellbeing programme via the app.
Dental 21
Yes
More than 40 services included free of charge, such as check-ups, X-rays, simple extractions and annual cleaning, plus 21% off all other treatments.
Speech therapy
Yes
20 sessions per year for problems of the larynx and vocal cords and for speech impairments, after a 6-month waiting period. The other Mas Salud plans cover speech therapy on different terms: see our speech therapy guide.
Psychology
Yes
20 sessions per person, per year - no prescription or authorisation needed. For eating disorders the limit rises to 40 sessions per year, with a psychiatrist's prescription, Sanitas authorisation and a psychiatric report required. 5 more sessions than other Mas Salud plans.
Home help
Yes
Up to 20 hours of home help with household tasks, plus up to 30 hours of care at home for children under 16 or disabled children. It applies when an insured person is in hospital for more than 48 hours, immobilised at home for more than 5 days on medical leave, or dies. See Family Assistance.
Pharmacy delivery
Yes
Delivery of medicines to where you are in Spain within 24 hours of the request, up to 3 deliveries a year, under the same conditions as home help. You pay for the medicines on delivery.
Digital consultations
Yes
GP and specialist video consultations, wellbeing programmes, online emergencies and digital prescription services
Travel Assistance
Yes
Emergency medical assistance abroad up to €12,000 per person, per year
Does Sanitas Mas Salud Family have co-payments?
This plan has no co-payments. All services within the Sanitas network are included in your premium.
Sanitas Mas Salud Family waiting periods (qualification periods)
Waiting periods refer to the amount of time that must pass after joining a health insurance plan before you can access specific services. The only services subject to waiting periods are:
Service
Waiting period
All vital emergencies
0 months
Primary care: GP and specialist consultations, nursing, paediatrics, simple diagnostic tests
0 months
Psychology
0 months
Outpatient surgical procedures (Groups 0-II of the Spanish Medical Colleges Organisation (OMC))
If you have held private health insurance in Spain with another insurer for at least one year, Sanitas will waive these waiting periods, with the exception of childbirth. Find out how to switch providers here.
Add-ons
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.
Dental 21: More than 40 dental treatments included, plus a 21% discount on all other services.
Family assistance: Help with housework and childcare if you are sick.
Optional add-ons:
Work/Traffic accidents: Guarantees medical assistance if you are in a work or traffic accident. (FREE for those under 18 years of age).
Repatriation: Cover to repatriate you to your country of origin in case of death. Some Spanish consulates ask for this cover with visa applications. It can only be added when your policy starts or at renewal, so we strongly recommend it if you are applying for a visa or residency.
Pharmacy cover: Reclaim 50% of eligible prescription medication costs up to 200 Euros per contract year.
Sanitas Dental (without co-payments): Optional dental upgrade with no co-payments. Choose the Dental, Premium or Milenium package, each adding more services and a 40% discount on additional treatments. Must be taken by all insured members.
Accidental death (€30,000 - €60,000): Compensation paid in case of death or permanent disability resulting from an accident. You can select which insured members include this option.
Optical: 50% reimbursement for contact lenses or spectacle lenses every year, when prescribed by a Sanitas ophthalmologist.
Worldwide reimbursement* (50k - 300k): Allows you to visit doctors or specialists outside the Sanitas network, both in Spain and worldwide, and claim back part of the cost. Choose between several capital levels.
Income protection: Daily payment of 60 Euros per day during hospitalisation to help with additional personal expenses.
Add-ons can be included when completing the application form.
* Worldwide reimbursement can be added up to age 64. The plan itself can be taken out up to age 75.
Eligibility, ages & payments
New contracts accepted up to age 75 inclusive.
No maximum age to remain insured.
4% annual payment discount if paying yearly.*
14% discount with 3 insured persons, and 19% with 4 or more.*
Policy start date is always the 1st of the month.
*Prices indicated in your quote will include these discounts.
How to use the Sanitas Mas Salud Family plan
Choose a GP, specialist or hospital from the Sanitas network.
Present your digital/physical card.
No co-payments; track everything in the app. Once a policy arranged through HealthPlan Spain is activated, Sanitas sends you the link to the app by text message, so start by getting a quote for this plan.
Compare Sanitas Mas Salud Family with other Sanitas plans
Sanitas Mas Salud Family, Mas Salud, Plus and Optima: what changes
Sanitas Mas Salud Family has no co-payments, like Sanitas Mas Salud, and both are accepted for a visa or residency. Sanitas Mas Salud Plus makes the first six services each year free, then charges €4 to €10 per service on a rising scale, capped at €360 per person a year. Sanitas Mas Salud Optima charges from the first service, on a scale of €4 to €15 per service with no annual cap. Only Sanitas Mas Salud Family includes 20 psychology sessions a year from day one and Family Assistance as standard, with household discounts from three insured persons.
Feature
Mas Salud Family
Mas Salud
Mas Salud Plus
Mas Salud Optima
Co-payments
None
None
Yes, after the first six services each year
Yes, per service
Hospitalisation and surgery
Yes
Yes
Yes
Yes
Dental 21
Included
Included
Included
Included
Psychology
20 sessions a year, no waiting period
15 sessions a year, 6-month waiting period
15 sessions a year, 6-month waiting period
15 sessions a year, 6-month waiting period
Family Assistance
Included
Optional add-on
Optional add-on
Optional add-on
Household discount starts at
3 insured persons
4 insured persons
4 insured persons
4 insured persons
Visa / residency compliant
Yes
Yes
No
No
Best for
Families of three or more
Singles and couples
People who accept paying small amounts per service
People who rarely visit the doctor
Compare Sanitas Mas Salud Family, Mas Salud and Top Quantum
Feature
Mas Salud Family
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
No
No
No
Visa / residency compliant
Yes
Yes
Yes
Dental
More than 40 services
More than 40 services
24 services
Travel assistance
12k Euros
12k Euros
15k Euros
Work/Traffic accidents
optional
optional
Yes
Out of network reimbursement
optional
optional
Yes*
Family assistance
Yes
optional
No
*For General medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics, osteopathy up to 10,000 Euros per person per year
Frequently asked questions about Sanitas Mas Salud Family
What is Sanitas Mas Salud Family?
Sanitas Mas Salud Family is a no co-payment private health insurance plan for families in Spain, insured by Sanitas, part of the Bupa group. It has the same core cover as Sanitas Mas Salud: general practitioner (GP) and specialist visits, paediatrics, diagnostic tests, hospitalisation and surgery in the Sanitas network, maternity, 24/7 emergency care and Sanitas Dental 21. It also includes 20 psychology sessions a year from day one, speech therapy for speech impairments and Family Assistance at home. It is compliant with Spanish visa and residency requirements for the whole family.
How much does Sanitas Mas Salud Family cost?
The monthly starting price is shown at the top of this page. Each person on the policy is priced by their own age band, and premiums vary by the province you live in. Sanitas takes 14% off the household with three insured persons and 19% with four or more, and paying annually takes a further 4% off. A 0.15% Insurance Compensation Consortium surcharge is added. For one or two people Sanitas Mas Salud Family costs a little more than Sanitas Mas Salud, and for three or more it costs less. Get a quote for this plan to see your family's price, or read our guide to Sanitas family prices.
Does Sanitas Mas Salud Family have co-payments?
No. Sanitas Mas Salud Family has no co-payments, so all covered services within the Sanitas network are included in your premium. Sanitas also sells a Family Plus version with co-payments, which we quote on request.
Who can be included on a Sanitas Mas Salud Family policy?
Sanitas puts no limit on how many people a family policy can carry. Children, partners, parents, grandparents, grandchildren, nieces and nephews can all join. Everyone on the policy is insured on the same plan, and each person answers their own health questionnaire. Each person is priced by their own age band, and household discounts start at three insured persons.
Can a newborn baby join Sanitas Mas Salud Family without waiting periods?
Yes, when the conditions are met. A newborn joins from the date of birth with the policy's full rights when either parent has been insured on the policy for at least 240 days before the birth. The policyholder must apply to add the baby within 30 calendar days of the birth. Outside those conditions, or after the 30 days, Sanitas can decline to add the baby. Read our guide to health insurance for children.
How many psychology sessions does Sanitas Mas Salud Family include?
Sanitas Mas Salud Family includes 20 psychology sessions per insured person per year, with no prescription, no Sanitas authorisation and no waiting period. For eating disorders the limit rises to 40 sessions a year, with a psychiatrist's prescription, a psychiatric report and Sanitas authorisation. Sanitas Mas Salud, Plus and Optima give 15 sessions a year on prescription, after a 6-month waiting period. Read our guide to mental health cover.
Can my children see a paediatrician on Sanitas Mas Salud Family?
Yes. Paediatrics is included with no waiting period, and children are seen by a paediatrician until they are 15. Care is given by paediatricians in the Sanitas network. You can search for Sanitas paediatricians in our medical directory.
What is Family Assistance on Sanitas Mas Salud Family?
Family Assistance, called Family Care in the policy conditions, is help at home included with Sanitas Mas Salud Family for insured persons living in Spain. It applies when an insured person is in hospital for more than 48 hours or immobilised at home for more than 5 days on medical leave. It also applies when an insured person dies as a result of an accident or illness. It gives up to 20 hours of home help with household tasks and up to 30 hours of care at home for children under 16 or disabled children. Medicines are delivered within 24 hours of the request, up to 3 deliveries a year, and you pay only for the medicines. See Family Assistance.
Does Sanitas Mas Salud Family cover traffic and work accidents?
Not as standard. Medical care after a traffic or work accident is an optional add-on on Sanitas Mas Salud Family, with no waiting period. Children under 18 are covered free. Sanitas Top Quantum includes this cover in the plan. See the Traffic and Work Accidents add-on.
What does Sanitas Mas Salud Family not cover?
Apart from emergency assistance abroad, Sanitas Mas Salud Family does not cover treatment in medical centres outside the Sanitas network, unless you add Worldwide Reimbursement, which refunds part of the cost. The general exclusions also include care resulting from chronic alcoholism, drug dependency or substance abuse, and voluntary termination of pregnancy. Vaccines, alternative medicine, and injuries from war, terrorism or insurrection are excluded too. Care after traffic or work accidents and repatriation are optional add-ons, and repatriation can only be added when the policy starts or at renewal.
Is Sanitas Mas Salud Family accepted for a visa or residency?
Yes. Sanitas Mas Salud Family has no co-payments and covers emergencies from day one, so it meets Spanish visa requirements for the Non-Lucrative Visa and the Digital Nomad Visa. It also meets the residency requirement for European Union (EU), European Economic Area (EEA) and Swiss citizens registering as residents in Spain. One policy covers the whole family, and the consulate certificate names each person. Repatriation cover can only be added when the policy starts or at renewal, and some Spanish consulates ask for it.
Which Sanitas plan is the most complete?
All four plans in the Mas Salud range give full cover including hospital care and surgery. Sanitas Mas Salud Family is the no co-payment version for families, with extra family benefits and household discounts from three insured persons. Across the whole Sanitas range, Sanitas Premium 500 is the most comprehensive plan, with no co-payments and 90% worldwide reimbursement. Sanitas Top Quantum includes medical care after a traffic or work accident as standard. Both are accepted for a visa or residency. Compare all 15 Sanitas plans.
Is Sanitas Mas Salud Family available in English?
Yes. HealthPlan Spain is an English-speaking authorised Sanitas office in Marbella. We quote, set up and support your Sanitas Mas Salud Family policy in English, by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm. The plan brochure can be downloaded in English from the Documents section below.
Can I use the Mas Salud Family plan outside of Spain?
Yes. In an emergency you can use your travel assistance cover up to €12,000 per person, per year.
What is a network policy?
A network policy means you receive your care from doctors, hospitals and dentists that are contracted with Sanitas. You can search the Sanitas network of doctors and centres in our medical directory.
What are pre-existing conditions and how do they apply to the Sanitas Mas Salud Family plan?
Pre-existing conditions refer to any medical conditions that existed before the start date of your Mas Salud Family plan. If you declare a pre-existing condition on your application, a Sanitas doctor will contact you confidentially to review your case. This allows us to provide a fair, accurate and personalised assessment of your health.
Does the Sanitas Mas Salud Family plan cover antenatal care or childbirth?
Yes. The Sanitas Mas Salud Family plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
Can I add comprehensive international cover to the Sanitas Mas Salud Family plan?
Yes. You can choose from €50k, €100k, €150k, €200k or €300k cover per year, all at a rate of 80% reimbursement. The maximum age for contracting this additional cover is 64 years.
What documents do you need from me?
Nothing further is needed at this stage. If you would like to proceed, we will need you to complete the application form. Please obtain a quote if you have not already done so; once you see your price, a link to the application form will appear directly beneath it.
What waiting periods apply to Sanitas Mas Salud Family?
Vital emergencies, GP and specialist consultations, simple diagnostic tests and psychology have no waiting period. Outpatient surgical procedures wait 3 months, speech therapy and complex diagnostic tests 6 months, childbirth 8 months, and hospitalisation and surgery 10 months. Sanitas waives these waits, except childbirth, after at least one year of private health insurance in Spain with another insurer.
What does Sanitas Mas Salud Family include that other Mas Salud plans do not?
Sanitas Mas Salud Family has the same core cover as Sanitas Mas Salud for hospital treatment, surgery, tests, specialists, emergencies and travel assistance. It differs in four places. Psychology gives 20 sessions per person per year from day one, with no prescription, against 15 on prescription after 6 months on the other Mas Salud plans. Speech therapy covers 20 sessions a year for problems of the larynx and vocal cords and for speech impairments, after 6 months. The other Mas Salud plans cover 80 sessions for organic problems and 20 language therapy sessions for children under 14. Family Assistance is included: up to 20 hours of home help, up to 30 hours of care at home for children under 16, and up to 3 medicine deliveries a year. Household discounts start at three insured persons, against four on the other Mas Salud plans.
Treatment received in medical centres that are not part of the Sanitas network.
Care required as a result of chronic alcoholism, drug dependency or substance abuse.
Voluntary termination of pregnancy.
Robotic surgery, proton beam therapy and neutron capture therapy.
Any type of vaccine or autovaccination.
Therapies or treatments based on alternative medicine.
Injuries or illnesses resulting from acts of war, terrorism or insurrection.
This summary is for guidance only; the full exclusions are detailed in the official policy documentation.
Contract term and cancellation
All policies are contracted on an annual basis. Cancellation can only be made by giving one month's notice of cancellation in advance of the policy renewal date.
Premium from €62,70
Premiums listed are valid for new policyholders who sign up between April 1, 2026, and March 31, 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be added to the premiums. Premiums may vary depending on where the policyholder lives. The maximum age to purchase this insurance is 75, but once enrolled, there is no age limit to keep the coverage.