Sanitas Mas Salud is a full-cover private health insurance plan for Spain with no co-payments. By far our most popular product, suitable for residency & visa applications.
from €61,40 / Month
Full private healthcare in Spain with no co-payments
Reviewed by Sean Guy, authorised Sanitas agent, code 22395. Updated September 2026.
Sanitas Mas Salud
Sanitas Mas Salud is a full-cover private health insurance plan for Spain with no co-payments. By far our most popular product, suitable for residency & visa applications.
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Full private healthcare in Spain with no co-payments
Sanitas Mas Salud is a full-cover private health insurance plan for Spain with no co-payments. It covers doctor and specialist visits, diagnostic tests, hospitalisation and surgery in the Sanitas network, and includes Sanitas Dental 21 with more than 40 dental services. It takes new members up to age 75 and is accepted for Spanish visa and residency applications.
Sanitas Mas Salud offers full private healthcare in Spain with no co-payments, covering outpatient and hospital care through thousands of doctors and clinics in the Sanitas network. It includes Sanitas Dental 21 for access to Millennium and network dental centres, plus optional add-ons for worldwide cover or extra benefits.
In Spanish the plan is written Sanitas Más Salud, 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 policies in English, at the same price as buying direct from Sanitas.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics such as blood tests, X-rays, ultrasounds and high-tech imaging*
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e-prescriptions, results via the app
Sanitas Mas Salud at a glance
Co-payments: Sanitas Mas Salud has no co-payments, so all covered services within the Sanitas network are included in the premium.
Hospital cover: Sanitas Mas Salud covers hospitalisation and surgery in a private room, with 24/7 emergency care in Spain.
Waiting periods: Sanitas Mas Salud has waiting periods of 0 months for vital emergencies, 3 months for outpatient surgical procedures, 8 months for childbirth and 10 months for hospitalisation and surgery.
Age limits: Sanitas Mas Salud accepts new contracts up to age 75, and there is no maximum age to remain insured.
Visa and residency: Sanitas Mas Salud is accepted for Spanish visa and residency applications.
Dental: Sanitas Mas Salud includes Sanitas Dental 21, with more than 40 dental services included and 21% off all other dental services.
Best for: Sanitas Mas Salud suits singles or couples seeking residency, N.I.E. or visa cover. Families of three or more can choose Sanitas Mas Salud Family.
What does Sanitas Mas Salud include?
Summary - exact limits confirmed on your quote and in policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Unlimited consultations in network
Diagnostics & Tests
Yes
Lab tests, X-rays, imaging, scans
Hospitalisation & Surgery
Yes
Private room
Emergency care
Yes
24/7 cover in Spain
Maternity & Childbirth
Yes
Antenatal, childbirth, postnatal
Dental 21
Yes
More than 40 services included, plus 21% off all other dental services
Digital GP & Telemedicine
Yes
Via the app
Travel insurance
Yes
With a limit of up to €12,000 per person, per year
Co-payments
No
All covered services included in premium
Co-payments
This plan has no co-payments. All services within the Sanitas network are included in your premium.
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:
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 discounts on all other services.
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*.
No maximum age to remain insured.
4% annual payment discount available.
Policy start date is always the 1st of the month.
*Subject to underwriting and current product rules.
How to use the Sanitas Mas Salud plan
Choose a GP, specialist or hospital from the Sanitas network.
Present your digital/physical card.
NO Co-payments; track everything in the app.
Compare Sanitas Mas Salud with other Sanitas plans
Sanitas Mas Salud, Plus, 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 Plus, Sanitas Mas Salud Optima and Sanitas Mas Salud Family for each plan's full details.
Sanitas Mas Salud, Sanitas Mas Salud Plus and Sanitas Mas Salud Optima share the same core cover, including hospital care, surgery and Sanitas Dental 21. Sanitas Mas Salud has no co-payments and costs more each month than the other two, and it is the only one of the three accepted for a visa or residency. 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 charges from the first service, on a scale of €4 to €15 per service with no annual cap, and has the lowest premium of the three.
Feature
Mas Salud
Mas Salud Plus
Mas Salud Optima
Mas Salud Family
Co-payments
None
Yes, after the first six services each year
Yes, per service
None
Hospitalisation and surgery
Yes
Yes
Yes
Yes
Dental 21
Included
Included
Included
Included
Visa / residency compliant
Yes
No
No
Yes
Best for
Singles and couples
People who accept paying small amounts per service
People who rarely visit the doctor
Families of three or more
Compare Sanitas Mas Salud, Accede and Avanza
Feature
Accede
Avanza
Mas Salud
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
No
No
Yes
Co-payments
Yes
Yes
No
Visa / residency compliant
No
No
Yes
Dental 21
No
No
Included
Frequently asked questions about Sanitas Mas Salud
What is Sanitas Mas Salud?
Sanitas Mas Salud is a full-cover private health insurance plan for Spain with no co-payments, insured by Sanitas, part of the Bupa group. It covers general practitioner (GP) and specialist visits, diagnostic tests, hospitalisation and surgery in the Sanitas network, maternity, 24/7 emergency care in Spain and Sanitas Dental 21. It is accepted by Spanish consulates for residency and visa applications.
How much does Sanitas Mas Salud cost?
Sanitas Mas Salud costs from €61,40 a month. The exact premium depends on your age and the province you live in, and a 0.15% Insurance Compensation Consortium surcharge is added. Paying annually gives a 4% 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.
Does Sanitas Mas Salud have co-payments?
No. Sanitas Mas Salud has no co-payments. All covered services within the Sanitas network are included in your premium.
Is hospital care included in Sanitas Mas Salud?
Yes. Sanitas Mas Salud includes hospitalisation, inpatient surgery and day-case surgery in a private room, in the Sanitas network.
Is Sanitas Mas Salud suitable for visas or residency?
Yes. Sanitas Mas Salud is accepted for Spanish visa and residency applications, because it has no co-payments and covers emergencies from day one.
Is Sanitas Mas Salud accepted for a Non-Lucrative Visa, Digital Nomad Visa or European Union residency?
Yes. Sanitas Mas Salud has no co-payments, so it meets Spanish visa requirements for the Non-Lucrative Visa, the Digital Nomad Visa and work visas. It also meets the European Union residency requirement for European Union (EU), European Economic Area (EEA) and Swiss citizens registering as residents in Spain. Repatriation cover can only be added when the policy starts or at renewal, and some Spanish consulates ask for it. Non-EU applicants applying for a residence visa from outside Spain, who want no waiting periods and the consulate certificate included, can compare Sanitas Residents Visa.
Can students use Sanitas Mas Salud?
Yes. Sanitas Mas Salud is accepted for a Spanish student visa and takes new members up to age 75. Sanitas International Students is the dedicated student plan for ages 14 to 35, with no waiting periods but no pregnancy cover. If you are 36 or older, plan to stay in Spain after your course, or want maternity cover, Sanitas Mas Salud is the plan to take.
Are dental services included in Sanitas Mas Salud?
Yes. Sanitas Mas Salud includes Sanitas Dental 21, with more than 40 dental services included and 21% off all other dental services. Optional dental upgrade packages are available.
What are the waiting periods on Sanitas Mas Salud?
Sanitas Mas Salud has no waiting period for vital emergencies. Outpatient surgical procedures wait 3 months, complex diagnostic tests and psychology 6 months, childbirth 8 months, and hospitalisation, surgery and complex therapies such as chemotherapy 10 months.
Can the Sanitas Mas Salud waiting periods be waived?
Yes. If you have held private health insurance in Spain with another insurer for at least one year, Sanitas will waive the waiting periods on Sanitas Mas Salud. The exception is childbirth, which keeps its waiting period of 8 months. All vital emergencies have a waiting period of 0 months.
What is the maximum age to join Sanitas Mas Salud?
New contracts for Sanitas Mas Salud are accepted up to age 75, subject to underwriting and current product rules. Once enrolled, there is no maximum age to remain insured.
Does Sanitas Mas Salud cover pre-existing conditions?
You can take out Sanitas Mas Salud with a pre-existing condition, but whether that condition is covered is decided at underwriting. Sanitas reviews the medical history you declare on the application. It 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.
What does Sanitas Mas Salud Plus include?
Sanitas Mas Salud Plus includes the same core cover as Sanitas Mas Salud: GPs and specialists, diagnostic tests, hospitalisation and surgery, maternity, psychology, Sanitas Dental 21 and emergency assistance abroad. The difference is a co-payment per service. The first six services each year are free, then each service carries a small co-payment that rises with use, with an annual cap per person. Because it has co-payments, Sanitas Mas Salud Plus is not accepted for visa or residency applications.
Which Sanitas plan is the most complete?
All four plans in the Mas Salud range give full cover including hospital care and surgery. They differ in co-payments and family extras, and Sanitas Mas Salud is the no co-payment version for singles and couples. 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. Compare all 15 Sanitas plans.
Is Sanitas Mas Salud 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 policy in English, by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm. The app also works in English. The plan brochure 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.
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 €61,40
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.