Sanitas Mas Salud Plus is a full-cover private health insurance plan for Spain with low co-payments. The first six services each year carry no co-payment.
from €46,30 / Month
Full access to the Sanitas network with small co-payments
Reviewed by Sean Guy, authorised Sanitas agent, code 22395. Updated September 2026.
Sanitas Mas Salud Plus
Sanitas Mas Salud Plus is a full-cover private health insurance plan for Spain with low co-payments. The first six services each year carry no co-payment.
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Full access to the Sanitas network with small co-payments
Sanitas Mas Salud Plus is a full-cover private health insurance plan for Spain with low co-payments. The first six services each year are free, later services cost €4, €7 or €10 each, and co-payments are capped at €360 per person a year. It includes hospital care and Sanitas Dental 21, but is not accepted for visa or residency applications.
Sanitas Mas Salud Plus is a comprehensive private health insurance plan that gives you full access to the Sanitas medical network while keeping monthly premiums lower through a structured co-payment system.
The plan includes unlimited access to primary care, medical specialists, diagnostic tests, hospitalisation, surgery, and therapeutic treatments, as well as emergency care in Spain and emergency medical assistance abroad for short stays. Dental cover is included, along with access to Sanitas' digital healthcare ecosystem through the app.
Mas Salud Plus is designed for people who want effective, wide-ranging private healthcare in Spain but are comfortable paying small amounts when they actually use medical services. It is particularly popular with residents who value flexibility and fast access to specialists, all under an economical premium.
In Spanish the plan is written Sanitas Más Salud Plus, with an accent on Más. 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 authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Mas Salud Plus policies in English, at the same price as buying direct from Sanitas.
General practitioners (GPs) & specialists Unlimited visits across the Sanitas network
Diagnostics Lab tests, X-rays, ultrasounds and high-tech imaging
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e-prescriptions, results via the app
Important: Sanitas Mas Salud Plus is not suitable for Spanish visa or residency applications. Because it includes co-payments, it does not meet the requirements for visas such as the Non-Lucrative Visa or Digital Nomad Visa. For a no co-payment plan accepted for these visas, see Sanitas Mas Salud or Sanitas Top Quantum.
Sanitas Mas Salud Plus at a glance
Co-payments: Sanitas Mas Salud Plus charges no co-payment for the first six services each year, then a small co-payment per service that rises with use.
Co-payment cap: Sanitas Mas Salud Plus caps co-payments at €360 per insured person per policy year, and the cap resets at each renewal.
Hospital cover: Sanitas Mas Salud Plus gives full cover for hospital admissions and surgery in Sanitas network hospitals, including outpatient and inpatient surgery.
Waiting periods: Sanitas Mas Salud Plus has no waiting period for vital emergencies or primary care, 3 months for outpatient surgery, 8 months for childbirth and 10 months for hospitalisation.
Age limits: Sanitas Mas Salud Plus accepts new policyholders up to 75 years of age, and there is no upper age limit once enrolled.
Visa and residency: Sanitas Mas Salud Plus is not suitable for Spanish visa or residency applications because it includes co-payments.
Dental: Sanitas Mas Salud Plus includes Sanitas Dental 21, more than 40 dental services at no additional cost plus a 21% discount on other treatments.
Best for: Sanitas Mas Salud Plus suits people who want wide private healthcare in Spain and accept paying small amounts when they use services.
What does Sanitas Mas Salud Plus include?
Summary - exact limits are confirmed in policy terms + conditions.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited GP and specialist consultations across all medical and surgical specialties.
Diagnostics & Tests
Yes
The plan covers both simple and high-complexity diagnostic tests prescribed by a Sanitas doctor. This includes clinical analysis and laboratory tests, X-rays, ultrasounds and mammograms, as well as advanced diagnostic imaging such as CT scans, MRI scans and nuclear medicine. Diagnostic tests related to pregnancy and antenatal care are also included.
Hospitalisation & Surgery
Yes
Sanitas Mas Salud Plus provides full cover for hospital admissions and surgical procedures carried out in Sanitas network hospitals. This includes both outpatient and inpatient surgery, with accommodation in a single room and a bed for a companion, except in cases of psychiatric hospitalisation.
Emergency care
Yes
Emergency medical assistance is included 24 hours a day throughout Spain. The plan covers emergency treatment in hospitals and clinics, ambulance services when medically required, and emergency video consultations for both adults and children.
Maternity & Childbirth
Yes
Antenatal consultations and diagnostics, childbirth and hospital stay. Includes neonatal care in the first 48 hours and postnatal care for the mother.
Dental 21
Yes
Sanitas Dental 21: more than 40 dental services included at no additional cost, plus a 21% discount on all other dental treatments.
Psychology
Yes
Sanitas Mas Salud Plus includes psychology cover, allowing access to psychologists within the Sanitas network. Up to 15 sessions per insured person per year are covered, subject to prior authorisation.
Home visits
Yes
Home visits by GP, paediatrics or nursing when the insured cannot travel.
Digital consultations
Yes
Digital healthcare services are fully integrated into the plan via the app. This includes video consultations with general practitioners and specialists, emergency video consultations, a symptom checker, digital physiotherapy, mental wellbeing programmes, and access to prescriptions, test results and appointments online.
Travel Assistance
Yes
Sanitas Mas Salud Plus includes emergency medical assistance abroad for trips of up to 90 days. Cover is provided up to a maximum of €12,000 per person, per year.
What are the co-payments on Sanitas Mas Salud Plus?
How co-payments work. With Sanitas Mas Salud Plus you only pay when you use a service. Every consultation, test or treatment counts as one service on the scale below. The first six services in each policy year are free, and later services cost 4, 7 or 10 euros each. Co-payments are capped at 360 euros per insured person per policy year, apply per insured person and reset at each renewal.
Below is the full co-payment schedule for Sanitas Mas Salud Plus:
Service type / frequency
Co-payment
From 0 to 6 services
€0
From 7 to 10 services
€4 per service
From 11 to 15 services
€7 per service
More than 15 services
€10 per service
Emergency visit (hospital or home)
Counts as one service on the scale above
Complex diagnostic tests
Count as one service on the scale above
Complex therapeutic procedures
€12
Physiotherapy sessions
€2 per session
Ventilation and aerosol therapy
€1.33 per session
Other respiratory therapies (oxygen and CPAP)
€0.67 per session
Dental services
€3 per service
Antenatal classes
€20
Services are calculated per insured person per year. The co-payment limit resets at the annual renewal. Video consultations carry the same co-payment as the equivalent in-person consultation.
Quick example: Five GP or specialist visits and one emergency visit are your first six services and cost €0. Two complex diagnostic tests later in the year are services seven and eight and cost €4 each, €8 in total.
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
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 services included as standard, plus a 21% discount on all other treatments.
Emergency assistance abroad: Emergency medical cover for trips outside Spain, with cover of up to €12,000 per insured person, per year.
Digital healthcare services: Full access via the app, including video consultations, health monitoring tools and online results.
Optional add-ons:
Repatriation cover: Arrangements and costs required for the return of the insured person(s) to their home country in the event 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 reimbursement: Reimbursement of 50% of eligible prescription medication costs, up to €200 per insured person, per year.
Clinica Universidad de Navarra access: Optional access to one of Spain's most prestigious private hospital groups, outside the standard Sanitas network.
Enhanced dental cover (no co-payments): Several upgraded dental options are available, offering a higher number of treatments included and discounts on additional procedures. These options must be taken by all insured members.
Accidental death and disability cover: Lump-sum compensation of between €30,000 and €60,000 in the event of accidental death or permanent disability. This option can be selected per insured person.
Optical cover: Partial reimbursement for prescription spectacle lenses and contact lenses each year when prescribed by a Sanitas ophthalmologist. Available for everyone on the policy or for individual members.
Worldwide reimbursement cover*: Optional reimbursement-based cover allowing you to use medical services outside the Sanitas network in Spain or abroad, with annual limits ranging from €50,000 to €300,000.
Hospital income protection: Daily cash benefit of €60 per day during hospitalisation to help offset additional personal or household expenses.
Add-ons can be selected during the application process.
* The maximum age to contract worldwide reimbursement cover is 64 years.
Eligibility, ages & payments
Applications are accepted for new policyholders up to 75 years of age.
Once enrolled, there is no upper age limit to continue the policy.
A discount of 4% applies when the policy is paid annually.
10% discount is applicable if there are four or more insured members.
All policies begin on the 1st day of the month.
Any applicable discounts are automatically reflected in the price shown when you request a quote.
How to use the Sanitas Mas Salud Plus plan
Select a GP, specialist or hospital from the Sanitas medical network.
Identify yourself using your digital card in the app or your physical card.
Use services as needed and pay the corresponding co-payment, with full tracking available in the app.
Compare Sanitas Mas Salud Plus with other Sanitas plans
Sanitas Mas Salud Plus, Mas Salud, Optima and Family: what changes
All four plans in the 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. See Sanitas Mas Salud, Sanitas Mas Salud Optima and Sanitas Mas Salud Family for each plan's full details.
Sanitas Mas Salud Plus sits between Sanitas Mas Salud and Sanitas Mas Salud Optima on premium and co-payments, with the same core cover as both. Sanitas Mas Salud Plus makes the first six services each year free. After that it charges €4 per service up to the 10th, €7 up to the 15th and €10 beyond, capped at €360 per person a year. Sanitas Mas Salud Optima has a lower premium but charges from the first service, on a scale of €4 to €15 per service with no annual cap. Sanitas Mas Salud has no co-payments and is the only one of the three accepted for a visa or residency.
Feature
Mas Salud Plus
Mas Salud
Mas Salud Optima
Mas Salud Family
Co-payments
Yes, after the first six services each year
None
Yes, per service
None
Hospitalisation and surgery
Yes
Yes
Yes
Yes
Dental 21
Included
Included
Included
Included
Visa / residency compliant
No
Yes
No
Yes
Best for
People who accept paying small amounts per service
Singles and couples
People who rarely visit the doctor
Families of three or more
Compare Sanitas Avanza, Mas Salud Optima and Mas Salud Plus
Sanitas Avanza is an outpatient plan with no hospital cover. The table below shows how it compares with the two Mas Salud plans that have co-payments.
Feature
Avanza
Mas Salud Optima
Mas Salud Plus
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation & surgery
No
Yes
Yes
Co-payments
Yes
Yes
Yes
Visa / residency compliant
No
No
No
Dental cover included
4 services
More than 40 services
More than 40 services
Emergency assistance abroad
No
12,000 EUR
12,000 EUR
Accident cover (work / traffic)
No
Optional
Optional
Out-of-network reimbursement
No
Optional
Optional
Family assistance services
Optional
Optional
Optional
Out-of-network reimbursement options, where available, allow partial reimbursement for medical services outside the Sanitas network, subject to annual limits and policy conditions.
Frequently asked questions about Sanitas Mas Salud Plus
What is Sanitas Mas Salud Plus?
Sanitas Mas Salud Plus is a full-cover private health insurance plan for Spain with low co-payments, insured by Sanitas, part of the Bupa group. The first six services each year carry no co-payment, and co-payments are capped at 360 euros per insured person a year. Because it has co-payments, it is not accepted for Spanish visa or residency applications.
What does Sanitas Mas Salud Plus include?
Sanitas Mas Salud Plus includes unlimited general practitioner (GP) and specialist consultations, simple and complex diagnostic tests, hospitalisation and surgery in Sanitas network hospitals, and therapies such as physiotherapy. It also covers maternity and childbirth, up to 15 psychology sessions a year, home visits, video consultations and 24-hour emergency care in Spain. Sanitas Dental 21 and Sanitas Blua digital health services are included, as is emergency assistance abroad for trips of up to 90 days, up to €12,000 per person a year.
What are the co-payments on Sanitas Mas Salud Plus?
You only contribute when you use a service. The first six services in a policy year carry no co-payment, and later services carry a small fixed co-payment per service that rises with the number used. Services 7 to 10 cost €4 each, services 11 to 15 cost €7 each, and every service after the 15th costs €10. Emergency visits and complex diagnostic tests count as one service on this scale. Some services have their own co-payment, such as €2 per physiotherapy session, €3 per dental service and €12 per complex therapeutic procedure. Co-payments apply per insured person, reset at each renewal and are capped at 360 euros a year.
What is the most I can pay in co-payments on Sanitas Mas Salud Plus?
The most you pay in co-payments on Sanitas Mas Salud Plus is €360 per insured person per policy year. The first six services each year are free, and the cap resets at each renewal. Sanitas Mas Salud Optima has no annual cap on co-payments, and Sanitas Mas Salud has no co-payments.
What does Sanitas Mas Salud cover, and how is Sanitas Mas Salud Plus different?
Sanitas Mas Salud covers GP and specialist visits, diagnostic tests, hospitalisation and surgery in the Sanitas network, maternity, 24-hour emergency care in Spain and Sanitas Dental 21, with no co-payments. Sanitas Mas Salud Plus gives the same core cover with a co-payment per service after the first six services each year, which keeps the monthly premium lower. Sanitas Mas Salud is accepted for a visa or residency, and Sanitas Mas Salud Plus is not.
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 and Sanitas Mas Salud Family have no co-payments. Sanitas Mas Salud Plus charges no co-payment for the first six services each year, and Sanitas Mas Salud Optima charges one on every service. Across the whole Sanitas range, Sanitas Premium 500 is the most comprehensive plan, with no co-payments and 90% worldwide reimbursement. Sanitas Top Quantum also has no co-payments and adds an annual allowance to see doctors outside the Sanitas network. Both are accepted for a visa or residency. Compare all 15 Sanitas plans.
Can I use the Sanitas Mas Salud Plus plan outside of Spain?
Yes. Emergency medical assistance abroad is included for trips of up to 90 days, with cover of up to €12,000 per person, per year.
What does it mean that Sanitas Mas Salud Plus is a network-based policy?
Sanitas Mas Salud Plus provides care through doctors, clinics, hospitals and dental centres that are part of the Sanitas medical network. Once your policy is active, the full network is available through this website and inside the app.
How are pre-existing conditions handled on the Sanitas Mas Salud Plus plan?
Pre-existing conditions are any medical conditions that existed before the policy start date. These must be declared during the application process. A Sanitas assessor will review the information confidentially and confirm whether the condition is accepted, excluded or covered with specific limitations.
Does Sanitas Mas Salud Plus cover pregnancy and childbirth?
Antenatal consultations and pregnancy-related diagnostic tests are covered once the relevant waiting periods have been completed. Childbirth and caesarean section are included provided the pregnancy begins after the policy start date.
Can I add international reimbursement cover to Sanitas Mas Salud Plus?
Yes. Optional worldwide reimbursement cover can be added with annual limits of €50,000, €100,000, €150,000, €200,000 or €300,000. Reimbursement applies at 80% of eligible costs. The maximum age to contract this option is 64 years.
What documents are required to apply?
No additional documents are required initially. To proceed, you simply need to complete the application form. Once you obtain a quote, the application link will appear directly beneath your quoted price.
Does Sanitas Mas Salud Plus meet Spanish visa or residency requirements?
No. Sanitas Mas Salud Plus includes co-payments, so it does not meet the requirements for Spanish visa or residency applications. Sanitas Mas Salud and Sanitas Top Quantum have no co-payments and are accepted for visa and residency applications. Choose one of those if you need cover for an application.
Is Sanitas Mas Salud Plus 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 Plus policy in English, by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm. The terms and conditions and the plan brochure can be downloaded in English from the Documents section below.
Medical care provided outside the Sanitas medical network, unless an optional reimbursement add-on has been contracted.
Treatment or assistance required as a consequence of alcohol abuse, drug dependence or the misuse of controlled substances.
Voluntary termination of pregnancy.
Robotic surgery, proton beam therapy and neutron capture therapy.
Preventive vaccinations, immunisations and self-administered vaccines.
Therapies or medical practices that are not recognised as conventional or evidence-based medicine.
Health conditions or injuries arising from war, terrorist activity, civil unrest or similar events.
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 €46,30
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.