What is Sanitas Unico?

Sanitas Unico is private health insurance for people aged 60 and over in Spain, with no upper age limit to join or stay insured and no health questionnaire. Premiums start at €48,10 a month. It covers doctors, specialists, scans and home services, but not hospitalisation or surgery, and is not accepted for a visa.

Sanitas Unico is a private health insurance plan built specifically for people aged 60 and over living in Spain. Unlike most policies that have an upper age limit, Unico accepts new members from age 60 with no upper age limit, no health questionnaire, and no pre-existing condition exclusions.

In Spanish the plan is written Sanitas Único, with an accent on the U. It is the same plan, sold across Spain by Sanitas, part of the Bupa group, and this page describes it in English.

The plan covers the day-to-day healthcare needs that matter most as you get older: unlimited primary care and specialist consultations, the most common diagnostic tests (including ultrasounds, magnetic resonance imaging (MRI) and computerised tomography (CT) scans), simple therapies like physiotherapy, basic dental cover, and a full suite of digital and home services through Sanitas Blua and Sanitas Mayores.

Unico does not cover hospitalisation, surgery, or complex therapeutic methods - these are handled separately. If you need hospital cover, see Mas Salud or Top Quantum on our compare plans page.

Important: Sanitas Unico is an outpatient and home-care plan only. It does NOT cover hospitalisation or surgery, and it is NOT suitable for residency or non-lucrative visa applications. If you need hospital cover or a visa-compliant plan and you're over 60, consider Mas Salud or Top Quantum.

Sanitas Unico at a glance

• Who it is for: Sanitas Unico is private health insurance for people aged 60 and over in Spain, with no maximum age to join or remain insured.
• No health questionnaire: Sanitas Unico requires no health questionnaire and has no underwriting and no exclusions for pre-existing conditions.
• Outpatient only: Sanitas Unico is an outpatient and home care plan only and does not cover hospitalisation, surgery of any kind or complex therapeutic methods.
• Not for a visa: Sanitas Unico is not suitable for residency or visa applications because it does not include hospitalisation or surgery.
• Co-payments: On Sanitas Unico the first 6 consultations each year are free, and a co-payment applies to each later consultation and to every test and therapy session.
• Waiting periods: Sanitas Unico has no waiting periods except MRI and CT scans, which carry 6 months for customers new to private insurance.
• Dental: Sanitas Unico includes basic dental cover for scale and polish, wound treatment and simple extractions, with a co-payment per visit day.
• Who arranges it: HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Unico in English, at the same price as buying direct from Sanitas.

What does Sanitas Unico cover?

Sanitas Unico covers unlimited GP and specialist consultations, simple diagnostic tests, ultrasounds, MRI and CT scans, simple therapies, psychology, emergency care, basic dental cover, home services and Sanitas Mayores in Spain. It does not cover hospitalisation, surgery or complex therapeutic methods.

Summary - exact limits are confirmed in the policy terms and conditions.

Home services included

Sanitas Unico includes a generous package of services delivered to your home - designed so you don't have to leave the house to access care:

Apart from blood tests at home, these services apply after more than 48 hours in hospital, or when a medical certificate shows you are housebound for more than 5 days. Blood tests and physiotherapy at home need a doctor's prescription.

Sanitas Mayores services

Unico includes the Sanitas Mayores package - services specifically built for older policyholders that you don't get on the standard Sanitas plans:

• Personal Care Plan: built by a Sanitas health advisor specialised in senior care, with daily care guidance and routines tailored to you.
• Home care guidance: help selecting and arranging the home services you need at each stage.
• Dependency advice line: phone advice on financial aid available for dependency situations under Spanish law.
• Discounts: reduced rates at Sanitas Mayores residences and day centres if you ever need them.

What's NOT included

What are the co-payments on Sanitas Unico?

How co-payments work - Sanitas Unico uses a graduated co-payment structure: your first 6 services each year are completely free of charge. After that, co-payments stay low and only kick in when you actually use a service.

Below is the full co-payment schedule for Sanitas Unico:

*High-frequency services, where a single co-payment of €20 covers the full course. They are 10 physiotherapy sessions, 15 days of aerosol therapy, 15 ventilation therapy sessions and 30 days of oxygen therapy. The same applies to 30 days of bilevel positive airway pressure (BPAP) or continuous positive airway pressure (CPAP) therapy.

Note on video consultations: Video consultations with specialists count as in-person consultations for the purposes of the co-payment schedule above (that is, they go into the 0-6 / 7-15 / 16+ tier counter).

How much does Sanitas Unico cost?

Premiums are charged per insured person, per month. There is no annual-payment discount, and no extra premium loading by individual age within each band - premiums are fixed at the band level.

*New-customer pricing with a 20% discount on the base premium, available for current promotional periods set by Sanitas. A 0.15% surcharge from the Insurance Compensation Consortium is added. Prices may vary by region (zona geografica). Confirm the latest premium when you request a quote.

Sanitas Unico waiting periods (qualification periods)

Sanitas Unico has no waiting periods on almost all services. The only exception is complex diagnostic tests:

If you're transferring from another insurer's full-cover plan with comparable coverage, the 6-month waiting period for MRI and CT scans is waived. Read our guide to Sanitas waiting periods.

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.

Optional add-ons:

• Pharmacy cover: Reclaim 50% of your prescription costs (spend €400 get €200 back).
• Pharmacy and home delivery: Home delivery of prescribed medication plus Sanitas home care services.
• Sanitas Dental: Add a dental supplement with a large number of services included and discounts of up to 40% on all other treatments.

*Add-ons can be included when completing the application form.

Eligibility, ages & contract terms

• Minimum age: 60 years.
• Maximum age to contract: none. There is no upper age limit for taking out a new Sanitas Unico policy.
• Maximum age to remain insured: none. Once contracted, you remain covered for life - Sanitas does not cancel for age.
• Health questionnaire: not required. No underwriting, no exclusions for pre-existing conditions.
• Existing Sanitas customers: can switch to Unico without a health questionnaire, but premiums may differ.
• Designed for residents in Spain (NOT residency or visa-compliant - see warning above).
• Policy starts on the 1st of a month.

How to use Sanitas Unico

1. Once your policy arranged through HealthPlan Spain is activated, Sanitas sends you a text message with the link to the app.
2. Choose a GP or specialist from the Sanitas network using the app or our medical directory.
3. Present your digital or physical Sanitas card at the appointment - no upfront payment.
4. Any co-payment is debited by Sanitas with your next monthly premium; you can track every visit and charge in the app.
5. For digital consultations, video calls, or 24h emergency video, use Blua inside the app - available in all medical specialities, with 3,600+ professionals.
6. For Sanitas Mayores services (personal care plan, home services, dependency advice), call the Sanitas Mayores line - number provided with your welcome pack.

Ready to start? Get a Sanitas Unico quote and apply through HealthPlan Spain.

Compare Sanitas Unico with other Sanitas plans

Sanitas Unico compared with Sanitas Mas Salud and Sanitas Top Quantum

Sanitas Unico accepts new members from age 60 with no upper age limit and no health questionnaire. Over 60s who need hospital cover, or a policy for a visa or residency application, can join Sanitas Mas Salud or Sanitas Top Quantum up to age 75, subject to underwriting. Compare all 15 Sanitas plans.

Compare Sanitas Unico, Accede and Avanza