Sanitas Mas Salud Optima is a full-cover private health insurance plan for Spain with a co-payment per service. It has the lowest premium in the Sanitas Mas Salud range, and we quote and support it in English.
from €36,00 / Month
Comprehensive network cover with hospital & surgery
Dental, psychology and digital care included
Lower premium with co-payments - not for visa or residency
Reviewed by Sean Guy, authorised Sanitas agent, code 22395. Updated September 2026.
Sanitas Mas Salud Optima
Sanitas Mas Salud Optima is a full-cover private health insurance plan for Spain with a co-payment per service. It has the lowest premium in the Sanitas Mas Salud range, and we quote and support it in English.
…
Comprehensive network cover with hospital & surgery
Dental, psychology and digital care included
Lower premium with co-payments - not for visa or residency
Sanitas Mas Salud Optima is a full-cover private health insurance plan for Spain with a co-payment per service and the lowest premium in the Mas Salud range. Most co-payments run from €4 to €15 per service, rising with use, with no annual cap. It includes hospital care and Sanitas Dental 21, but is not accepted for visa or residency applications.
Sanitas Mas Salud Optima is one of the most comprehensive network health insurance plans in the Sanitas portfolio, offering wide-ranging medical cover with access to more than 58,000 healthcare professionals, 4,500 partner centres and Sanitas' own hospitals. It includes full primary care, specialists, diagnostic tests, surgery, hospitalisation, therapeutic treatments, dental cover, and extensive digital healthcare services through the app.
Mas Salud Optima includes co-payments, making it a popular option for people who rarely visit the doctor but who still want reliable, comprehensive medical cover when it is needed. Digital services are fully integrated, providing immediate access to video general practitioner (GP) appointments, specialist video consultations, emergency video consultations for adults and children, wellbeing programmes, a symptom checker, as well as digital physiotherapy and an online mental health programme.
In Spanish the plan is written Sanitas Más Salud Óptima, with accents on Más and Óptima. It is the same plan, insured by Sanitas, part of the Bupa group, and this page describes it in English. HealthPlan Spain, an English-speaking authorised Sanitas office in Marbella, quotes, sets up and supports the policy in English.
As an authorised Sanitas agent (agent code 22395), HealthPlan Spain arranges Sanitas Mas Salud Optima at the same price as buying direct from Sanitas.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Simple and complex diagnostic tests, X-rays, ultrasounds
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e-prescriptions, results via the app
Important: This plan is not suitable for visa or residency applications. It does not meet the requirements for Spanish visas such as the Non Lucrative Visa or the Digital Nomad Visa. If you need visa-compliant health insurance, please consider one of the following non-copayment plans: Mas Salud, Top Quantum or Mas Salud Family.
Sanitas Mas Salud Optima at a glance
Co-payments: Sanitas Mas Salud Optima charges a co-payment per service used, rising with the number of services in the year, with no annual cap.
Hospital cover: Sanitas Mas Salud Optima covers hospitalisation and surgery in Sanitas network hospitals, including a single room and companion bed except for psychiatric hospitalisation.
Waiting periods: Sanitas Mas Salud Optima has no waiting period for GP and specialist consultations, 3 months for outpatient surgery, 8 months for childbirth and 10 months for hospitalisation.
Age limits: Sanitas Mas Salud Optima accepts new policyholders up to age 75, and there is no maximum age to remain insured.
Visa and residency: Sanitas Mas Salud Optima is not suitable for Spanish visa or residency applications, including the Non-Lucrative Visa and the Digital Nomad Visa.
Dental: Sanitas Mas Salud Optima includes Dental 21, with more than 40 dental services at no cost and a 21% discount on all other treatments.
Best for: Sanitas Mas Salud Optima suits people who rarely visit the doctor but still want medical cover when it is needed.
What does Sanitas Mas Salud Optima include?
Sanitas Mas Salud Optima includes GP and specialist visits, diagnostic tests, hospitalisation and surgery, maternity, psychology, 24/7 emergency care in Spain, Sanitas Dental 21 and emergency assistance abroad.
Summary - exact limits are confirmed in the policy terms and conditions.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited consultations with general practitioners and all medical and surgical specialties within the Sanitas network.
Diagnostics
Yes
Covers simple and complex diagnostics: clinical analysis, x-rays, ultrasounds, computed tomography (CT), magnetic resonance imaging (MRI), mammograms, endoscopies, antenatal tests and nuclear medicine.
Hospitalisation & Surgery
Yes
Inpatient and outpatient surgery in Sanitas network hospitals. Includes a single room and companion bed (except psychiatric hospitalisation).
Emergency care
Yes
24/7 emergency assistance throughout Spain, ambulance cover when medically required and emergency video consultations.
Maternity & Childbirth
Yes
Antenatal consultations, antenatal diagnostics, childbirth and hospital stay. Includes neonatal care in the first 48 hours. Also includes antenatal classes and an online pregnancy wellbeing programme.
Dental 21
Yes
More than 40 dental services included at no cost, plus a 21% discount on all other treatments.
Psychology
Yes
Up to 15 sessions per year with prior authorisation.
Home Services
Yes
Home visits by GP, paediatrics or nursing when the insured cannot travel.
Digital consultations
Yes
Video GP and specialist consultations, remote monitoring, personalised app and digital prescriptions.
Travel Assistance
Yes
Emergency medical cover abroad up to €12,000 per year for trips up to 90 days.
Does Sanitas Mas Salud Optima have co-payments?
Yes. Sanitas Mas Salud Optima charges a co-payment each time you use a service, with no annual cap. It is €4 for each of the first three services in a year, €7 from the 4th to the 10th, €10 from the 11th to the 15th and €15 from the 16th. Our Health Library explains how health insurance co-payments work.
How co-payments work - With Sanitas Mas Salud Optima, you only contribute when you use a service. Each consultation, test or treatment carries a small co-payment, which helps keep the monthly premium lower than other non copayment plans. Co-payments apply per insured person and reset at each policy renewal. There is no annual cap; the co-payments you make simply depend on the number and type of services you use during the year.
Below is the full co-payment schedule for Sanitas Mas Salud Optima:
Service type / frequency
Co-payment
From 0 to 3 services
€4 per service
From 4 to 10 services
€7 per service
From 11 to 15 services
€10 per service
16+ services
€15 per service
Emergencies
€8
Complex diagnostic tests and therapies
€12
Physiotherapy sessions
€2
Ventilation and aerosol therapy
€1.33
Other respiratory therapies: oxygen and continuous positive airway pressure (CPAP)
€0.67
Dental
€3 per service
Podiatry sessions
€3 per service
Antenatal classes
€20
Services are calculated per insured person per year. The cost per service resets at the annual renewal. Video consultations will have the same co-payment as the equivalent "in person" consultation.
Quick example: If you make 4 GP/specialist visits (€4 for each of the first three, then €7 for the fourth = €19), 1 emergency visit (€8), and 2 diagnostic tests (€12 + €12), your total co-payments would be €51 for the year so far.
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
Outpatient surgical procedures, Groups 0 to II of the surgical classification of the Organizacion Medica Colegial (OMC), the Spanish Medical Colleges Organisation
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.
Sanitas Dental: 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* (€50,000 to €300,000): 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 different 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.
No maximum age to remain insured.
4% annual payment discount if paying yearly.*
10% discount if 4 or more insured persons.*
Policy start date is always the 1st of the month.
*Prices indicated when getting your quote will include these discounts.
How to use the Sanitas Mas Salud Optima plan
Choose a GP, specialist or hospital from the Sanitas network and make an appointment via the app or by phone.
Present your digital/physical card.
Co-payments will be picked up with your next monthly premium; track everything in the app.
Once a policy arranged through HealthPlan Spain is activated, Sanitas sends you a text message with the link to the app. To start, get a quote for this plan.
Compare Sanitas Mas Salud Optima with other Sanitas plans
Sanitas Mas Salud Optima, Plus, Mas Salud and Family: what changes
All four plans in the Sanitas Mas Salud range give full cover including hospital care and surgery. They differ in co-payments, family extras and whether they are accepted for a visa or residency. Sanitas Mas Salud Optima has the lowest premium of the four. See Sanitas Mas Salud Plus, Sanitas Mas Salud and Sanitas Mas Salud Family for each plan's full details.
Sanitas Mas Salud Optima charges a co-payment from the first service. It costs €4 for each of the first three services, €7 up to the 10th, €10 up to the 15th and €15 beyond, with no annual cap. 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 has no co-payments and is the only one of these three accepted for a visa or residency. All three share the same core cover, including hospital care, surgery and Sanitas Dental 21.
Feature
Mas Salud Optima
Mas Salud Plus
Mas Salud
Mas Salud Family
Co-payments
Yes, from the first service
Yes, after the first six services each year
None
None
Annual cap on co-payments
No cap
Yes, per person each year
No co-payments
No co-payments
Hospitalisation and surgery
Yes
Yes
Yes
Yes
Dental 21
Included
Included
Included
Included
Visa / residency compliant
No
No
Yes
Yes
Best for
People who rarely visit the doctor
People who accept paying small amounts per service
Singles and couples
Families of three or more
Compare Sanitas Mas Salud Optima, Mas Salud and Top Quantum
Feature
Mas Salud Optima
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
Yes
No
No
Visa / residency compliant
No
Yes
Yes
Dental
More than 40 services
More than 40 services
24 services
Travel assistance
€12,000
€12,000
€15,000
Work/Traffic accidents
optional
optional
Yes
Out of network reimbursement
optional
optional
Yes*
Family assistance
optional
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 Optima
What is Sanitas Mas Salud Optima?
Sanitas Mas Salud Optima is a full-cover private health insurance plan for Spain with a co-payment per service, insured by Sanitas, part of the Bupa group. It covers GP and specialist visits, diagnostic tests, hospitalisation and surgery in the Sanitas network, maternity, psychology, 24/7 emergency care in Spain and Sanitas Dental 21. It has the lowest premium in the Sanitas Mas Salud range and suits people who rarely visit the doctor. It is not accepted for visa or residency applications.
What does Sanitas Mas Salud Optima include?
Sanitas Mas Salud Optima includes unlimited GP and specialist consultations in the Sanitas network, simple and complex diagnostic tests, and hospitalisation and surgery. It covers maternity and childbirth, up to 15 psychology sessions a year with prior authorisation, home visits and video consultations. It also includes 24/7 emergency care in Spain, Sanitas Dental 21 and emergency assistance abroad up to €12,000 a year for trips of up to 90 days.
Does Sanitas Mas Salud Optima have co-payments?
Yes. Sanitas Mas Salud Optima charges a co-payment each time you use a service, and the amount rises with the number of services you use in the year. The first three services cost €4 each, services 4 to 10 cost €7, services 11 to 15 cost €10, and every service after that costs €15. Emergencies carry a co-payment of €8, complex diagnostic tests and therapies €12, physiotherapy sessions €2 and dental services €3. There is no annual cap. Co-payments are counted per insured person, reset at each renewal and are collected with your next monthly premium.
How much does Sanitas Mas Salud Optima cost?
The monthly premium for Sanitas Mas Salud Optima depends on your age and the province you live in, and the starting monthly price is shown at the top of this page. It has the lowest premium in the Sanitas Mas Salud range, and co-payments are paid on top only when you use a service. A 0.15% Insurance Compensation Consortium surcharge is added. Paying annually gives a 4% discount, and policies with 4 or more insured persons get a 10% discount. Premiums are valid for new policyholders who sign up between April 1, 2026 and March 31, 2027. Get a quote for this plan to see your own price, or read our guide to health insurance prices in Spain by age.
What does the Sanitas Mas Salud range cover?
All four plans in the Sanitas Mas Salud range give full cover including hospital care and surgery, with Sanitas Dental 21 included. They differ in how you pay. Sanitas Mas Salud and Sanitas Mas Salud Family have no co-payments and are accepted for a visa or residency. Sanitas Mas Salud Plus and Sanitas Mas Salud Optima charge a co-payment per service, which keeps the premium lower.
Which Sanitas plan is the most complete?
Across the whole Sanitas range, Sanitas Premium 500 is the most comprehensive plan, with no co-payments and 90% worldwide reimbursement. Sanitas Top Quantum is a step up from Sanitas Mas Salud, including any GP in Spain. Both are accepted for a visa or residency. Within the Sanitas Mas Salud range, all four plans give full cover including hospital care, and Sanitas Mas Salud Optima has the lowest premium. Compare all 15 Sanitas plans.
What is the difference between Sanitas Mas Salud Optima and Sanitas Mas Salud Plus?
Both plans cover the same doctors, tests, surgery, hospital care and Sanitas Dental 21. Sanitas Mas Salud Optima charges a co-payment from the first service, with no annual cap, and has the lower premium of the two. Sanitas Mas Salud Plus makes the first six services each year free, then charges a co-payment that rises with use, with an annual cap per person. Neither plan is accepted for visa or residency applications.
Who is Sanitas Mas Salud Optima best for?
Sanitas Mas Salud Optima is best for people who rarely visit the doctor but want full cover, including hospital care and surgery, when they need it. You pay a co-payment on every service, on a scale of €4 to €15 with no annual cap, in return for the lowest premium in the Sanitas Mas Salud range. If you expect to use many services, Sanitas Mas Salud Plus makes the first six services each year free and caps co-payments at €360 per person a year. For a visa or residency application, choose Sanitas Mas Salud or Sanitas Mas Salud Family, which have no co-payments.
Can I use the Mas Salud Optima 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 medical network before you buy in our Medical Directory.
What are pre-existing conditions and how do they apply to the Sanitas Mas Salud Optima?
Pre-existing conditions refer to any medical issues you had before the date that you take out the Mas Salud Optima plan. Whether a pre-existing condition is covered is decided at underwriting, from the health questionnaire you complete on the application. Sanitas either accepts the condition, excludes it from cover, accepts it with a loading on the premium (rare), or declines the application if the risk is too high. An exclusion is written into the policy and is permanent. Declare everything: if you claim later for an undeclared condition, Sanitas can refuse the claim and cancel the policy. Read our guide to pre-existing conditions.
Does the Sanitas Mas Salud Optima plan cover antenatal care or childbirth?
Yes. The Sanitas Mas Salud Optima plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member. Antenatal classes are included, together with an online pregnancy wellbeing programme.
Can I add comprehensive international cover to the Sanitas Mas Salud Optima plan?
Yes. You can add Sanitas Worldwide Reimbursement with an annual limit of €50,000, €100,000, €150,000, €200,000 or €300,000, reimbursed at 80%, or 100% with a provider Sanitas recommends. 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.
Is Sanitas Mas Salud Optima valid for a Spanish visa or residency application?
No. Sanitas Mas Salud Optima is not suitable for visa or residency applications and does not meet the requirements for the Non-Lucrative Visa or the Digital Nomad Visa. Sanitas plans without co-payments that are accepted for visa and residency include Sanitas Mas Salud, Sanitas Top Quantum and Sanitas Mas Salud Family.
What waiting periods apply to Sanitas Mas Salud Optima?
Sanitas Mas Salud Optima has no waiting period for GP and specialist consultations, simple diagnostic tests or vital emergencies. Psychology, speech therapy and complex diagnostic tests wait 6 months. Childbirth waits 8 months. Outpatient surgical procedures wait 3 months. Non-emergency hospital admissions, and hospitalisation and surgery in Groups III to VIII, wait 10 months. Sanitas waives these waiting periods, except childbirth, after one year of private health insurance in Spain with another insurer.
Is Sanitas Mas Salud Optima 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 Optima policy in English, by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm. The plan brochure and the terms and conditions can be downloaded in English from the Documents section below.
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 is a simplified summary. Always refer to the official terms for the complete exclusion list.
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.
Premiums from €36,00
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.