Sanitas Premium 500 is a no co-payment Sanitas health plan with full Sanitas network cover in Spain. It reimburses 90% of costs with any doctor or hospital worldwide, up to €500,000 per person a year. In the United States it pays 100% at centres Sanitas appoints, with prior authorisation. It includes €12,000 a year of emergency Travel Assistance abroad.
Sanitas Premium 500 is Sanitas' highest level of reimbursement plan. It combines full in-network cover in Spain plus the option to use non-network providers in Spain or worldwide and claim back 90% of eligible expenses, up to €500,000 per person, per year.
It is designed for people who want the convenience of the Sanitas medical network day-to-day, but also like the freedom to choose specialists or hospitals outside the network or abroad when it matters.
In Spanish the plan is written Sanitas Premium 500.000.
GPs & specialists Sanitas network access in Spain
Diagnostics Tests and imaging via network pathways
Hospital care In-network hospitalisation & surgery
Flexibility 90% reimbursement up to €500,000
Visa / residency use: this plan is private, comprehensive and contracted with no copayments, so it is commonly used for Spanish residency and long-stay visa processes (subject to acceptance and policy conditions).
Sanitas Premium 500 at a glance
No co-payments: Sanitas Premium 500 gives full Sanitas network cover in Spain and is contracted with zero co-payments.
90% worldwide reimbursement: Sanitas Premium 500 reimburses 90% of eligible expenses from your chosen provider, in Spain or worldwide, up to €500,000 per person a year.
Hospital care: Sanitas Premium 500 covers hospitalisation and surgery in the Sanitas network, with prior authorisation required except in vital emergencies.
Waiting periods: Sanitas Premium 500 applies waiting periods of 10 months for hospitalisation and surgery, 8 months for childbirth and 6 months for complex diagnostic tests.
Ages: Sanitas Premium 500 has a maximum joining age of 64 inclusive, with no maximum age to remain insured.
Visa and residency: Sanitas Premium 500 is accepted for Spanish visa and residency processes, with GP, specialist and emergency care from day one.
Dental: Sanitas Premium 500 includes Sanitas Dental, with 65+ dental services in the Sanitas dental network and 80% dental reimbursement up to €400 a year.
Premiums paid if the policyholder dies: If the policyholder of Sanitas Premium 500 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.
Authorised Sanitas agent: HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Premium 500 in English, at the same price as buying direct from Sanitas.
What's included
Quick, practical overview of what you can access through the Sanitas network, plus the headline extras.
Benefit
Included
Notes / Limits
GP & specialist consultations
Yes
Direct access in the contracted network. Some services require a referral and/or prior authorisation.
Diagnostics & tests
Yes
Simple and complex diagnostic tests via network pathways (authorisation rules may apply).
Hospitalisation & surgery
Yes
Hospital care and surgery in-network, with prior authorisation except in vital emergencies.
Emergency care in Spain
Yes
Emergency centres and hospital emergencies within the Sanitas network.
Reimbursement cover
Yes
Claim back 90% of eligible expenses in Spain and abroad up to €500,000 per insured / year (see limits below).
Sanitas Dental
Yes
Access to 65+ dental services included within the Sanitas dental network, plus discounts on other treatments.
Dental reimbursement
Yes
Reimbursement of 80% up to €400 per insured / year (policy conditions apply).
Maternity & childbirth
Yes
Antenatal care, postnatal care and childbirth in-network. Also includes antenatal classes and a pregnancy wellbeing digital programme.
Travel assistance (emergencies abroad)
Yes
Emergency healthcare abroad under the travel assistance conditions (separate from reimbursement).
Second medical opinion
Yes
International second opinion service for serious conditions (managed by Sanitas).
Pharmacy reimbursement
Yes
Reimbursement of eligible prescription medicines: 50% up to €300 per insured / year.
Hospitalisation subsidy
Yes
€100/day up to 90 days per year when hospital costs are not paid by Sanitas (conditions apply).
USA cover (appointed centres)
Yes
Care in the USA in centres appointed by Sanitas, with prior authorisation, up to the plan limits.
Copayments
No
This plan is contracted with zero copayments.
€500,000 reimbursement cover
Sanitas Premium 500 works in two ways:
Network route: use Sanitas doctors and centres in Spain. Costs are settled directly by sanitas - no need to pay and reclaim.
Reimbursement route: choose your own provider (in Spain or worldwide), pay the invoice, then claim back 90% of eligible expenses up to the annual limits.
Important: The reimbursement module is not the same as the travel assistance module. Emergency cover abroad is handled under the separate travel assistance conditions.
Key reimbursement conditions
Reimbursement percentage: 90% of eligible expenses (Spain and worldwide).
Annual maximum per insured: €500,000 per year, distributed across the sub-limits below.
Claim process: pay the provider, keep the invoice / medical report / proof of payment, and submit the claim following 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 (annual, per insured)
Area
Annual cap
Notes / examples
A) Hospital care
€443,500 / year
Hospital stay: No per-day limit (within the total cap)
ICU/UVI: No per-day limit (within the total cap)
Surgical / intervention fees (surgeon, assistant, anaesthetist): No per-intervention limit (within the total cap)
Childbirth (normal or caesarean): €3,610 sub-limit
B) Outpatient care
€52,000 / year
GP / primary care consultations: No per-visit cap (within the total cap)
Specialist consultations: No per-visit cap (within the total cap)
Ground ambulance: €905 / year
Dentistry (extractions, cures, cleanings only): €325 / year
Special home care: €3,010 / year
C) Prostheses
€4,500 / year
Reimbursement subject to eligibility definitions and documentation requirements.
D) Psychiatry
€1,205 / year
Psychiatry has its own annual cap within the overall reimbursement framework.
These figures describe the reimbursement limits. Eligibility rules, definitions, exclusions, prior authorisation (where applicable) and claims documentation requirements always apply.
Waiting periods (qualification periods)
Waiting periods are the minimum time you must be insured before you can access certain services. In general, cover is provided from the policy effective date, but the services below require the stated qualification period.
Service
Contracted medical network
Reimbursement route
Life-threatening / vital emergencies*
0 months
0 months
Outpatient surgical procedures (OMC groups 0-II)
3 months
3 months
Complex diagnostic tests
6 months
6 months
Psychology
6 months
6 months
Child delivery or caesarean section (except premature birth under 37 weeks)
8 months
8 months
Complex therapeutic methods
10 months
10 months
Vasectomy and tubal ligation
10 months
10 months
Hospitalisation and surgery (OMC groups III-VIII)
10 months
10 months
Bariatric surgery for morbid obesity
60 months
60 months
Dental reimbursement cover
8 months
8 months
*Emergency note: Qualification periods do not apply to accidents or illnesses that are sudden, life-threatening, and diagnosed after the policy effective date.
Switching from another private insurer: if you are transferring from another insurer, waiting periods may be 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
The Sanitas Premium 500 plan 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: Provides cover 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 from the €500,000 reimbursement module and follows its own emergency-only rules.
Sanitas Dental: Access to 65 dental services at no additional cost, plus a 40% discount on all other dental treatments performed within the Sanitas dental network. You can also claim back 80% of the cost of paid dental treatments up to €400 per year.
Pharmacy: Reclaim 50% of the cost of prescription medicines up to €300 per year.
Hospital allowance: Pays you €100 a day for up to 90 days a year when you are in hospital and Sanitas is not paying for the stay. It is paid for stays in Spain after an 8-month waiting period, and not for psychiatric stays, stays of 24 hours or less or insured people over 70.
Repatriation: Arrangements and costs 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.
Optical supplement: Reclaim 50% of the cost of spectacle lenses or contact lenses up to €600 per person per year.
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.
Pharmacy and home services: The pharmacy reimbursement is already included, so the only pharmacy option you can add is the home services version: home delivery of prescribed medicines, blood tests at home and physiotherapy at home.
Income protection: Pays a further €60 a day while you are in hospital, on top of the €100 a day allowance already included.
Accidental death cover: Pays out in the case of accidental death (€30,000 or €60,000 options available).
You can include add-ons at the application stage.
Eligibility
Maximum age to join: 64 (inclusive).
Maximum age to remain: no maximum age to remain insured.
Children 0-2 years: must be insured with at least one other insured aged over 2.
Children 3-18 years: can be insured individually, provided the policyholder is an adult.
Underwriting: acceptance is subject to an assessment of your medical history.
How to use this plan
In the Sanitas network (Spain): book through the app or by phone, attend with your Sanitas membership card, and follow any referral or authorisation requirements for tests, treatments, surgery, or hospital admission.
Outside the network (Spain or worldwide): choose your provider, pay the invoice, and submit a reimbursement claim with the required documents (invoice, proof of payment, medical report).
USA cover: only in centres appointed by Sanitas and requires prior authorisation so that Sanitas can manage the process.
As a general rule: routine consultations are usually open access, while hospital care, surgery and complex diagnostic tests need prior authorisation, unless it is a vital emergency.
Compare Mas Salud vs Mas 90 vs Sanitas Premium 500
Feature
Mas Salud
Mas 90
Sanitas Premium 500
Private network in Spain
Yes
Yes
Yes
Hospitalisation & surgery
Yes
Yes
Yes
Copayments
No
No
No
Reimbursement module
Optional
€90,000 at 70%
€500,000 at 90%
Work/Traffic accident cover
Optional
Optional
Optional
Travel assistance abroad
Yes €12,000
Yes €12,000
Yes €12,000
Visa / residency suitability
Yes
Yes
Yes
FAQ
Does Sanitas Premium 500 have copayments?
No - the Sanitas Premium 500 is contracted with zero copayments.
What are pre-existing conditions and how do they apply to the Sanitas Premium 500 plan?
Pre-existing conditions relate to conditions that existed prior to the date of you contracting the Sanitas Premium 500 plan. If you declare any medical history / medication on your application form one of our doctors will call you in confidence. From there a personal assessment will be made, which will guarantee the fairest and most comprehensive assessment of your health.
Can I use the plan outside Spain?
Yes. You can claim reimbursement worldwide (within the annual limits), and the plan also includes travel assistance for medical emergencies abroad under its own conditions.
Are there discounts available?
4 or more insured persons: 14.999% discount (18.400% when paid annually)
Annual payment: 4% discount
Semi-annual payment: 2% discount
Discounts depend on eligibility and may not apply to optional add-ons.
Do waiting periods apply if I am switching from another insurer?
If you are coming from another private insurer, waiting periods may be removed for treatment within the Sanitas network (subject to acceptance). Waiting periods are not automatically removed for the reimbursement route.
Is repatriation cover included?
No - but you have the option to add it if required. Some Spanish consulates ask for this cover to be included with visa applications, so we recommend adding it if you are applying for a visa.
What do I need to do to apply?
If you haven't already done so please get a quote, once you see the price, a link to the application form will appear: click the link to begin the application process.
What is the maximum age to join Sanitas Premium 500?
The maximum age to join Sanitas Premium 500 is 64 inclusive, and there is no maximum age to remain insured. Children aged 0 to 2 must be insured with at least one other insured person aged over 2. Children aged 3 to 18 can be insured individually, provided the policyholder is an adult.
What are the waiting periods on Sanitas Premium 500?
Vital emergencies have no waiting period. Outpatient surgical procedures need 3 months. Complex diagnostic tests and psychology need 6 months. Childbirth or caesarean section needs 8 months, except premature birth under 37 weeks. Dental reimbursement also needs 8 months. Hospitalisation and surgery need 10 months, as do complex therapeutic methods, vasectomy and tubal ligation. Bariatric surgery for morbid obesity needs 60 months. The same periods apply in the Sanitas network and on the reimbursement route.
Does Sanitas Premium 500 cover treatment in the United States?
Yes, Sanitas Premium 500 pays 100% of medical costs in the United States at centres Sanitas appoints there, provided Sanitas authorises the care in advance. The United States limit is €500,000 per person a year, with up to €443,500 for hospital care, including €3,610 for childbirth, and up to €52,000 for outpatient care.
How are Sanitas Premium 500 claims for treatment abroad paid?
Sanitas Premium 500 pays claims for treatment abroad in euros, converting the invoice at the official exchange rate on the day you paid it. Claims must be made within 90 days of treatment, and the cost of translating invoices and reports into Spanish is yours. Keep the original documents for five years after Sanitas pays.
Treatment received in medical centres that are not part of the Sanitas network when using the network route (non-network care is covered via reimbursement only, within limits and conditions).
Care required as a result of chronic alcoholism, drug dependency or substance abuse.
Any injury or illness caused by war, terrorist activity, or acts of insurrection.
Care associated with workplace accidents, unless covered under a contracted add-on.
Road accident-related care, except urgent care in emergencies or where the relevant add-on has been contracted.
Services or admissions that require prior authorisation where authorisation has not been obtained (except in vital emergencies).
Expenses that are not supported by the required documentation (invoice, proof of payment, medical report).
Injuries from extreme sports practised as an amateur, such as scuba diving, off-piste skiing or paragliding, and from sports competitions.
Glasses, contact lenses and hearing aids. Lenses can be claimed through the optical add-on.
Any diagnosis, treatment or service excluded by the policy terms and definitions.
This is a simplified summary. Always refer to the official terms for the complete exclusion list.
Contract term & renewals
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. Cover starts from the effective date shown on the individual terms and conditions, provided the premium is paid and the application has been accepted.
Cover for an insured person ends if they move their residence abroad or live in Spain for less than six months a year.
Premiums vary by age and province.
Premium from €94,00
Premiums are valid for new policyholders who enroll between April 1, 2026 and March 31, 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be applied to these premiums. Premiums may vary depending on the policyholder's place of residence. The maximum age to purchase this insurance is 64, with no age limit for continued coverage. A new policyholder is someone who has not been insured under any other Sanitas policy in the 6 months immediately before joining the new one.