Sanitas Top Quantum is comprehensive private health insurance for Spain with no co-payments and a €10,000 reimbursement allowance, suitable for residency & visa applications.
from €64,40 / Month
Full Sanitas network cover, no co-payments
Visa & residency compliant
Includes €10,000 reimbursement, dental & accident cover
Reviewed by Sean Guy, authorised Sanitas agent, code 22395. Updated September 2026.
Sanitas Top Quantum
Sanitas Top Quantum is comprehensive private health insurance for Spain with no co-payments and a €10,000 reimbursement allowance, suitable for residency & visa applications.
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Full Sanitas network cover, no co-payments
Visa & residency compliant
Includes €10,000 reimbursement, dental & accident cover
Sanitas Top Quantum is a private health insurance plan in Spain with no co-payments and reimbursement included. It gives full Sanitas network cover plus 80% reimbursement, up to €10,000 per person per year, for family specialties such as general practice, paediatrics and gynaecology outside the network. It is accepted for Spanish visa and residency applications.
Sanitas Top Quantum is a premium private healthcare plan offering full access to the Sanitas medical network in Spain, with 100% cover for consultations, diagnostics, hospital care and specialist treatment. The plan also includes an annual reimbursement allowance, giving you the freedom to visit doctors outside the network and claim back part of the cost.
Dental cover, emergency assistance abroad, and automatic protection for traffic and workplace accidents are all included as standard. With no co-payments in the Sanitas network, and optional worldwide reimbursement upgrades available, Top Quantum is a strong choice for anyone seeking comprehensive, high-level cover. That includes those who require a policy suitable for Spanish visa or residency applications.
In Spanish the plan keeps the same name and is sold as the seguro Sanitas Top Quantum, with its included reimbursement cover called Reembolso Familiar. It pays back 80% of the bill, within the limits for each specialty, when you see a general practitioner (GP), paediatrician or gynaecologist outside the network, up to €10,000 a year. We quote, arrange and support Sanitas Top Quantum in English from our office in Marbella. The terms and conditions and the plan brochure are in English in the Documents section.
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
Sanitas Top Quantum at a glance
Sanitas Top Quantum has no co-payments, so all services within the Sanitas network are included in the premium.
Sanitas Top Quantum covers inpatient care and surgery in Sanitas network hospitals, with a private room and a bed for a companion.
Sanitas Top Quantum includes a €10,000 annual reimbursement allowance for general medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics and osteopathy outside the network.
Sanitas Top Quantum has waiting periods from 3 months for psychology to 8 months for childbirth and non-emergency hospital admissions, with none for vital emergencies.
Sanitas Top Quantum includes travel assistance abroad up to €15,000 per person a year, and traffic and workplace accident cover, as standard.
Sanitas Top Quantum accepts new contracts up to age 75, and there is no maximum age to remain insured.
Sanitas Top Quantum includes dental cover as standard, with 24 dental treatments at no charge, plus discounts on all other services.
Sanitas Top Quantum suits anyone wanting comprehensive cover and is accepted for Spanish visa and residency applications, with GP, specialist and emergency care from day one.
Sanitas Top Quantum review: our verdict
Our verdict: Sanitas Top Quantum is a strong choice if you want full Sanitas network cover in Spain with no co-payments, plus the freedom to see some doctors outside the network. It is accepted for Spanish visa and residency applications and takes new members up to age 75.
The €10,000 yearly reimbursement allowance, dental cover and traffic and workplace accident cover are built in, so there is no add-on to buy for them.
Sanitas Top Quantum benefits
No co-payments: all services within the Sanitas network are included in the premium.
Reimbursement included: A €10,000 annual reimbursement allowance for general medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics and osteopathy outside the network. Sanitas pays back 80% of each bill, within the limits for each specialty.
Hospital and surgery: Hospitalisation and surgery in Sanitas network hospitals, with a private room and a bed for a companion.
Dental: Dental cover as standard, with 24 dental treatments at no charge, plus discounts on all other services.
Travel assistance:Travel assistance abroad up to €15,000 per person, per year, for emergencies on trips of up to 90 days.
Digital health:Sanitas Blua digital health included, with a 24-hour emergency video GP.
Age limits: New contracts accepted up to age 75, and no maximum age to remain insured.
Worldwide upgrade: Optional worldwide reimbursement of €75,000, €200,000 or €300,000 a year, reimbursed at 80%, which can be taken out up to age 64.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Top Quantum in English, at the same price as buying direct from Sanitas.
Summary - exact limits confirmed on your quote and in policy terms.
Benefit
Included
Notes / Limits
GPs & specialists
Yes
Full access to the entire Sanitas medical network, with unlimited consultations across all general practitioners and specialists
Diagnostics & Tests
Yes
Comprehensive cover for standard and high-tech diagnostics, including blood work, X-rays, ultrasounds, CT scans, MRI scans and other advanced imaging techniques
Hospitalisation & Surgery
Yes
Complete inpatient and surgical cover in Sanitas network hospitals, including a private room with an accompanying bed for a companion
Emergency care
Yes
24/7 emergency medical assistance throughout Spain, including urgent care, accident and emergency (A&E) access and ambulance services when medically required
Maternity & Childbirth
Yes
Cover for prenatal consultations, childbirth, hospital stay and postnatal care
Dental cover
Yes
Enhanced dentistry included as standard, with a broad selection of treatments covered and discounted rates available on more complex procedures
Digital consultations & Telemedicine
Yes
Video consultations via the app with GPs and specialists, electronic prescriptions and access to test results
Reimbursement Allowance
Yes
€10,000 annual reimbursement fund allowing you to visit doctors or specialists outside the Sanitas network and claim back part of the cost*
Travel Assistance
Yes
Emergency medical assistance abroad, providing coordinated support and cover for unexpected illness or incidents overseas, up to a limit of €15,000 per person, per year
Co-payments
No
All covered services included in premium
*limited to specific specialties
Does Sanitas Top Quantum have co-payments?
This plan has no co-payments. All services within the Sanitas network are included in your premium.
Sanitas Top Quantum 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
Outpatient surgical procedures (Groups 0-II, as classified by the Spanish Medical Colleges Organisation, OMC)
8 months
Psychology
3 months
Complex diagnostic tests
6 months
Tubal ligation & vasectomy
6 months
Complex therapeutic methods, such as haemodynamics, interventional cardiology, interventional radiology, radiotherapy, chemotherapy and lithotripsy
6 months
Homeopathy, acupuncture, osteopathy and chiropractic, through the reimbursement allowance
6 months
Non-emergency hospital admissions
8 months
Childbirth or caesarean section
8 months
Hospitalisation & surgery (Groups III-VIII, OMC)
8 months
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. The waiver applies to care in the Sanitas network, not to the reimbursement allowance. 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.
€10,000 annual reimbursement: Included as standard for treatment outside the Sanitas network.
Dental: 24 dental treatments at no charge, plus discounts on all other services.
Repatriation: Optional cover to arrange transport back to your 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 cover: Reclaim 50% of eligible prescription medication costs up to 200 Euros per contract year.
Worldwide reimbursement: Include worldwide reimbursement cover from a range of tiered amounts.
Income protection: Daily payment of 30 Euros per day during hospitalisation to help with additional personal expenses.
*Add-ons can be included when completing the application form.
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 Top Quantum plan
Choose a GP, specialist or hospital from the Sanitas network.
Present your digital/physical card.
NO Co-payments; track everything in the app.
OR if using the reimbursement module, keep your medical report and paid invoice then submit your claim in the app
Compare Sanitas Top Quantum with other Sanitas plans
Sanitas Top Quantum, Mas Salud, Mas 90 and Premium 500: what changes
All four plans are accepted for a Spanish visa or residency and have no co-payments in the Sanitas network, apart from dental services on Mas 90. They differ in how much you can claim back outside the network, the hospital waiting period and the maximum age to join. See Sanitas Mas Salud, Sanitas Mas 90 and Sanitas Premium 500 for each plan's full details. Families of three or more can also look at Sanitas Mas Salud Family, or compare all 15 Sanitas plans.
Feature
Top Quantum
Mas Salud
Mas 90
Premium 500
Co-payments
None
None
None, except dental services
None
Claim back outside the network
80%, up to €10,000 a year, for set specialties
Optional add-on
70% of eligible costs in Spain and abroad, €90,000 module
90% of eligible costs in Spain or worldwide, up to €500,000 a year
Hospitalisation waiting period
8 months
10 months
10 months
10 months
Maximum age to join
75
75
64
64
Visa / residency compliant
Yes
Yes
Yes
Yes
Compare Sanitas Top Quantum, Mas Salud and Mas Salud Family
Feature
Top Quantum
Mas Salud
Mas Salud Family
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
No
No
No
Visa / residency compliant
Yes
Yes
Yes
Dental
24 services
More than 40 services
More than 40 services
Travel assistance
15k Euros
12k Euros
12k Euros
Work/Traffic accidents
Yes
optional
optional
Out of network reimbursement
Yes*
optional
optional
*For General medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics, osteopathy up to 10,000 Euros per person per year
Frequently asked questions about Sanitas Top Quantum
What is Sanitas Top Quantum?
Sanitas Top Quantum is a comprehensive 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 and 24/7 emergency care in Spain. It also includes a €10,000 yearly reimbursement allowance for set specialties outside the network, dental cover and traffic and workplace accident cover. It is accepted for Spanish visa and residency applications.
What does Sanitas Top Quantum cover?
Sanitas Top Quantum covers unlimited GP and specialist consultations in the Sanitas network, diagnostic tests, therapies, hospitalisation and surgery in a private room, and maternity and childbirth. Emergency care is covered 24/7 throughout Spain. Dental cover with 24 treatments at no charge, travel assistance abroad up to €15,000 per person a year, and traffic and workplace accident cover are included as standard. The €10,000 yearly reimbursement allowance covers set specialties outside the network. Psychology is covered for up to 20 sessions per insured person per year in the Sanitas network. See the full cover table above.
Does Sanitas Top Quantum have co-payments?
No. Sanitas Top Quantum has no co-payments. All covered services within the Sanitas network are included in your premium. The reimbursement allowance, used outside the network, carries a 20% excess on each bill.
How much does Sanitas Top Quantum cost?
The price of Sanitas Top Quantum depends on your age and the province you live in, and the starting price is shown at the top of this page. A 0.15% Insurance Compensation Consortium surcharge is added, and 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.
Is Sanitas Top Quantum a good plan?
Sanitas Top Quantum is a strong choice if you want full Sanitas network cover with no co-payments, plus the freedom to see some doctors outside the network. It adds a €10,000 reimbursement allowance, dental cover, accident cover and €15,000 travel assistance to the core cover. Read our Sanitas Top Quantum review.
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 up to €500,000 a year. Sanitas Top Quantum is a step up from Sanitas Mas Salud, adding a €10,000 reimbursement allowance and traffic and workplace accident cover as standard. Sanitas Top Quantum accepts new members up to age 75, and Sanitas Premium 500 up to age 64. Both are accepted for a visa or residency. Compare all 15 Sanitas plans.
Is Sanitas Top Quantum accepted for a Spanish visa or residency?
Yes. Sanitas Top Quantum has no co-payments, with GP, specialist and emergency care from day one, so it is accepted for Spanish visa applications and meets the residency requirement. Repatriation cover is optional. Some Spanish consulates ask for it, and 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.
What are the waiting periods on Sanitas Top Quantum?
Vital emergencies have no waiting period. Psychology waits 3 months. Complex diagnostic tests, tubal ligation, vasectomy and complex therapeutic methods wait 6 months. Outpatient surgery, childbirth, caesarean section and hospital admissions that are not emergencies wait 8 months. Sanitas waives them, except childbirth, after at least one year of private cover in Spain with another insurer. Homeopathy, acupuncture, osteopathy and chiropractic, claimed through the reimbursement allowance, wait 6 months. The waiver applies to care in the Sanitas network, not to the reimbursement allowance.
How does the reimbursement allowance on Sanitas Top Quantum work?
The plan includes a €10,000 annual reimbursement fund for treatment outside the Sanitas network. It applies to general medicine, paediatrics, gynaecology, homeopathy, acupuncture, chiropractics and osteopathy, up to the limit per person per year, and you claim back part of the cost. A 20% excess applies to each bill, so Sanitas pays back 80%, within the yearly limit and the limits for each specialty set in your policy. Keep your medical report and paid invoice, then submit the claim in the app.
Can I use the Top Quantum outside of Spain?
Yes. In an emergency you can use your travel assistance cover up to €15,000 per person, per year.
Can I add comprehensive international cover to the Sanitas Top Quantum plan?
Yes. You can choose from €75k, €200k or €300k cover per year, all at a rate of 80% reimbursement. The maximum age for contracting this additional cover is 64 years. Read more about Sanitas worldwide reimbursement.
Does the Sanitas Top Quantum plan cover antenatal care or childbirth?
Yes. The Sanitas Top Quantum plan will cover your antenatal consultations and diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member.
What are pre-existing conditions and how do they apply to the Sanitas Top Quantum plan?
Pre-existing conditions relate to previous pathologies prior to the date of you contracting any of the Sanitas Top Quantum plans. Whether a declared 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 is a network policy?
A network policy requires you to use doctors, hospitals and dentists who are contracted to provide services for Sanitas. Details of the Sanitas network are available inside your online account after you have purchased this policy. If you need to see specifics then please email us for the medical provider list. You can also search Sanitas doctors, hospitals and centres in our medical directory.
What documents do you need from me?
Nothing for now, however, if you want to go ahead then we will need you to complete the application form. Please get a quote if you haven't already done so then once you see the price you will also see a link to the application form just below the price.
Where can I download the Sanitas Top Quantum terms and conditions?
You can download the Sanitas Top Quantum general terms and conditions, October 2025 edition, and the plan brochure, both in English, from the Documents section on this page.
Is Sanitas Top Quantum available in English?
Yes. HealthPlan Spain is an English-speaking authorised Sanitas office in Marbella. We quote, set up and support your Sanitas Top Quantum policy in English, by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm.
Is there an age limit for Sanitas Top Quantum?
Sanitas Top Quantum can be taken out up to age 75, and there is no maximum age to stay insured once you have joined. The optional worldwide reimbursement add-on can only be taken out up to age 64.
What does the Sanitas Top Quantum reimbursement not pay for?
The Sanitas Top Quantum reimbursement only pays for general practice, paediatrics, gynaecology and obstetrics, homeopathy, osteopathy, acupuncture and chiropractic outside the Sanitas network. It does not pay for other specialists outside the network, or for bills from doctors and centres in the Sanitas network. You pay a 20% excess on each bill, and each specialty has its own limit within the €10,000 a year.
What is the difference between Sanitas Top Quantum and Sanitas Mas Salud?
Sanitas Top Quantum and Sanitas Mas Salud both have no co-payments, take new members up to age 75 and are accepted for a Spanish visa or residency. Top Quantum adds a €10,000 yearly reimbursement allowance at 80%, traffic and workplace accident cover, and travel assistance of €15,000 instead of €12,000. Its hospitalisation waiting period is 8 months, against 10 months on Mas Salud. Mas Salud includes more dental services: more than 40, against 24 on Top Quantum.
Treatment received in medical centres that are not part of the Sanitas network (unless you are using the specified specialties within the reimbursement module).
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.
Bariatric (weight-loss) surgery, infertility treatment, and glasses or contact lenses.
Any type of vaccine or autovaccination.
Therapies or treatments based on alternative medicine (unless you are using the specified specialties within the reimbursement module).
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 €64,40
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.