Cover & Services
Cover & Services of Top Quantum
The Sanitas Top Quantum is a brand new policy for 2025 and brings together many of our most valued services, giving you 100% cover in Spain and access to all the facilities and specialists within the Sanitas network for outpatient and inpatient care. It also provides great flexibility for you and your family as it includes €15k per person, per year, reimbursement cover so that you can see GPs, paediatricians and gynaecologists who are not part of our network for outpatient consultations, at a rate of 80% reimbursement.
As with most of our plans, the Top Quantum also includes emergency care when travelling outside of Spain and also Sanitas Dental cover. Additionally, the plan automatically includes cover for road traffic accidents and workplace accidents, making it a very comprehensive package.
As with all Sanitas policies, you can tailor the plan to suit your needs by adding from a range of extra options, so that you have the perfect cover for you and your family.
The Top Quantum has no co-payments or excesses (deductibles) so is suitable for NIE/Visa /residency applications.
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Free BLUA digital services:
Online video consultations via the Sanitas App
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Medical Fees:
100% cover of medical fees (Except when using the reimbursement option)
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Choose Service Provider:
Choose from a wide range of service providers - access to over 50,000 specialists and 700 private centres throughout Spain..
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Online Account:
Your own online account where you can find doctors / hospitals / specialists within the Sanitas network who speak your language.
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Multi-lingual Support:
Multi-lingual member support both online and over the telephone.
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Extensive Network:
With Sanitas you have access to an extensive network made up of top professionals covering every aspect of your health, offering the best treatment and medical services available in Spain.
What is covered?
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Primary Healthcare + hospitalisation:
Including general medicine, nursing services, emergencies.
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Access to all medical and surgical specialties:
cardiology, dermatology, endocrinology, traumatology, gynaecology, ophthalmology, oncology, psychiatry etc.
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Surgery:
Inpatient and outpatient
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Diagnostic tests and therapies:
Clinical analysis and tests including antenatal care, MRI/CAT scans, ultrasound, x-rays, endoscopies, mammograms, smear tests etc.
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High tech therapies:
Including rehab, cancer treatments, respiratory, radiotherapy, speech therapy etc.
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Psychology services
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Single Room:
A single room with a bed for your visitor when hospitalised (except for Psychiatric hospitalisation).
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Travel Assistance:
in collaboration with Europ Assistance - up to a limit of 15,000 Euros per person, per claim. More information
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Basic Dental Cover:
Including checkups, x-rays, simple extractions and yearly teeth cleaning. If you need more comprehensive dental cover we have a range of options for you to choose from.
Extra Options
FAQ
FAQ
- Can I use the Top Quantum plan outside Spain?
Yes. In an emergency you can use your travel assistance cover up to €10,000 per claim.
- 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 on this site by clicking here. They will also be available inside your online account after you have purchased this policy.
- What are co-payments and how much are they for the Sanitas Top Quantum?
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Co-payments are like excesses and they are charged for each service you use. The Sanitas Top Quantum has no co-payments.
- What are pre-existing conditions and how do they apply to the Sanitas Top Quantum plan?
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Pre-existing conditions relate to previous pathologies prior to the date of you contracting any of the Sanitas Top Quantum plans. If you have declared any pre-existing conditions on your application 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.
- Does the Sanitas Top Quantum plan cover antenatal care or childbirth?
Yes. The Sanitas Top Quantum plan will cover your antenatal consultations, diagnostic tests. Childbirth is covered as long as you fall pregnant after becoming a member. Top Quantum does not cover non invasive testing for Down´s Syndrome.
- What are qualification periods and how do they apply with regard to the Sanitas Top Quantum plan?
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Treatments
Qualification Periods
Day case and outpatient surgical procedures
8 months
Psychology
3 months
Complex diagnostic tests
6 months
Complex therapies
6 months
Vasectomy & sterilisation
6 months
Giving birth
8 months
Non emergency hospital admissions
8 months
- Is there an age limit on becoming a Sanitas Top Quantum member?
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Initially you may contract this policy up to age 74. There is no upper age limit to remain covered, once the policy is in force.
- Are there any discounts as a Sanitas Top Quantum member?
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Discount type
Discount
Annual payment
4%
4+ Insured
10%
Special offer
15%
- I am single and I need a policy. Are there any discounts?
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Yes, currently there is a discount for policies contracted from March 2025 until 25th May 2025 of 15%. However there is a surcharge if you are applying singularly for this policy. The current surcharge is 8% and will be included in the quote.
- The Sanitas Top Quantum plan mentions something about dental, what dental cover is included with this plan?
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Sanitas Top Quantum offers comprehensive dental coverage, including:
- Over 50 services included: Consultations, cleanings, diagnostic tests, fluoridation, etc.
- Access to Sanitas Dental Clinics and contracted clinics: You can visit both Sanitas Dental Clinics and clinics within the Sanitas medical network.
- Discounts on additional treatments: Applicable within the Sanitas dental network with set pricing, so that you know the fees you are paying in advance.
- Additionally, the plan offers a 60% reimbursement on other dental treatments, up to a limit of €200 per insured person per year. This ensures access to quality dental care with predictable costs.
- Can I add comprehensive international cover to the Sanitas Top Quantum plan?
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Yes. Please click the "extra options" tab to see international options available with this plan.
- Is repatriation to my country of origin included?
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No, however, you can add this when completing the online application form.
- What documents do you need from me?
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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 ust below the price.
