What is Sanitas Professional?

Sanitas Professional, sold in Spanish as Sanitas Profesionales, is no co-payment health insurance for autonomos registered as self-employed in Spain, from €81,00 a month. It includes Total Protection, which refunds up to 3 monthly premiums or €200 a year after more than 72 hours in hospital or off work. Work and road accident cover and Sanitas Dental 21 are included.

HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas Professional in English, at the same price as buying direct from Sanitas.

Sanitas Professional key facts

• No co-payments: you pay only the monthly premium, with nothing charged per appointment or test in the Sanitas network.
• Total Protection included: after more than 72 hours in hospital or signed off work, Sanitas pays a monthly premium, up to 3 premiums or €200 a year, plus help at home.
• Accident cover: healthcare after an accident at work or a road traffic accident is covered inside the Sanitas network.
• Accidental death cover: a funeral service and transfer within Spain after a fatal accident, with an insured amount of €5,250, on Sanitas Professional only.
• Dental: Sanitas Dental 21 includes more than 40 dental services at no charge and 21% off other dental treatments.
• Abroad: emergency assistance on trips of up to 90 days, up to €12,000 per person a year.
• Tax: an autonomo taxed under direct assessment can deduct up to €500 a year per insured person, not the whole premium, except in the Basque Country.
• Ages: new contracts from 0 to 75, no maximum age to stay insured, and a spouse and children up to 26 can join.
• Residency: accepted for Spanish residency once you are registered as autonomo, but not for a visa application made from abroad.

Sanitas Professional is private health insurance designed for self-employed people in Spain. It gives you full access to the Sanitas medical network (GPs, specialists, diagnostic tests, hospitalisation and surgery) with no co-payments.

A key feature of this plan is Total Protection, which is included with Sanitas Professional and Sanitas Professional Plus and is never an add-on. It applies when you are hospitalised or temporarily unable to work for more than 72 hours. Sanitas then pays up to 3 monthly premiums, or €200, a year, and gives practical help such as housework support, home delivery of medicines and physiotherapy at home. To claim, call us on (+34) 952 835 600 as soon as possible and we open the claim with Sanitas for you.

You also have cover for healthcare following an accident at work or a road traffic accident, emergency assistance abroad for short stays, dental services, and digital healthcare via the app.

Visa / residency: Because this plan has no co-payments, it can be used for Spanish residency applications. However, the policyholder must be registered as "autonomo" (self employed in Spain) before applying for the policy. If you want to compare other visa-suitable options, see our no co-payment health insurance guide.

Sanitas Professional at a glance

• Sanitas Professional has no co-payments, so members pay only the monthly premium and nothing extra per appointment or test within the Sanitas network.
• Sanitas Professional covers hospitalisation and surgery within the Sanitas network, with authorisation required except in emergencies.
• Sanitas Professional has waiting periods of 6 months for complex diagnostic tests, 8 months for childbirth and 10 months for hospitalisation.
• Sanitas Professional accepts new contracts from 0 to 75 years old, and there is no age limit to remain insured once enrolled.
• Sanitas Professional can be used for Spanish residency applications but not for visa applications, because the policyholder must already be registered as autonomo.
• Sanitas Professional includes Sanitas Dental 21, with more than 40 dental services included and 21% off all other dental treatments.
• Sanitas Professional is designed for self-employed people registered as autonomo in Spain, plus a spouse and children up to 26 years old.
• Sanitas Professional includes Total Protection: if you are hospitalised or temporarily unable to work for more than 72 hours, Sanitas pays up to 3 monthly premiums, or €200, a year.
• Sanitas Professional is the plan Sanitas sells in Spanish as Sanitas Profesionales, and the version with co-payments is Sanitas Professional Plus.

What's included

Summary - exact limits are confirmed in policy terms + conditions.

No co-payments

Sanitas Professional has no co-payments. That means you pay the monthly premium, and you do not pay extra per appointment or per test for services within the Sanitas network.

Note: some dental treatments may have fixed deductibles (set prices) under the Dental 21 tariff. Services marked as included (Inc.) are included.

Waiting periods (Qualification periods)

Qualification periods are the time that must pass from the policy start date before certain benefits are available. These qualification periods do not apply to accidents or illnesses that are life-threatening, unexpected, and diagnosed after the cover takes effect.

If you are transferring from another Spanish health insurance provider and have been insured with them for a minimum of 1 year, Sanitas will remove the qualification periods, with the exception of childbirth. If you are switching, see how to switch to Sanitas.

Add-ons

Included with Sanitas Professional:

• 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 cover: Dental cover with more than 40 services included.
• Work / traffic accidents: Cover for work and road traffic related accidents.
• Funeral insurance: Cover for the funeral service, associated procedures and transfer within Spain after a fatal accident, up to €5,250 per person.
• Emergency assistance abroad: For stays of up to 90 days (limits apply).
• Total Protection: Additional support services for self-employed members who are hospitalised or temporarily unable to work for more than 72 hours (conditions apply).

Optional add-ons:

• Accidental death (€30,000 / €60,000): Pays a lump sum in the event of accidental death or permanent disability. €30,000 and €60,000 options available.
• Clinica Universidad de Navarra (with co-payment): Access to the Clinica Universidad de Navarra, one of Spain's most prestigious hospitals, with a co-payment.
• Pharmacy cover: Reimbursement of 50% of eligible prescription medication costs up to €200 per person per year.
• Pharmacy and home delivery: Home delivery of prescribed medication plus Sanitas home care services.
• Worldwide reimbursement (€50,000 to €300,000): Visit doctors or specialists outside the Sanitas network, in Spain and worldwide, and claim back part of the cost. Capital levels from €50,000 to €300,000.
• Reimbursement for gynaecology, paediatrics & obstetrics: Reimbursement of costs for gynaecology, paediatrics and obstetrics outside the network.
• Income protection: Daily cash payment of €60 while hospitalised, to help with out of pocket expenses.
• Repatriation: Cover to repatriate you to your country of origin in the event of death.
• Sanitas Dental: Optional dental upgrade. Choose Sanitas Dental, Dental Milenium or Dental Premium, each adding more services and a 40% discount on other treatments.
• Optical: Reimbursement of 50% for contact lenses or spectacle lenses up to €600 per person per year.

Add-ons are selected during the application process and are subject to the insurer's acceptance and the applicable terms.

Eligibility, ages & payments

• Who can apply: Available for the self-employed person (autonomo), their spouse, and children up to 26 years old.
• Age at purchase: New contracts accepted from 0 to 75 years old.
• No maximum age to remain covered: Once enrolled, there is no age limit to remain insured.
• Start date: Policies begin on the 1st day of the month.

Premiums vary by age and geographical zone. Any applicable discounts are reflected in the price when you request a quote.

How to use the Sanitas Professional plan

1. Once your policy arranged through HealthPlan Spain is activated, Sanitas sends you a text message with the link to the app. Not insured yet? Get a quote from HealthPlan Spain first.
2. Choose a GP, specialist, clinic or hospital from the Sanitas medical network and book an appointment via the app or by phone.
3. Identify yourself using your digital card in the app (or your physical card).
4. Use services as needed. If a service requires authorisation, Sanitas will request/confirm it before the treatment is carried out.

Compare Sanitas Professional with other plan types

A quick high-level comparison to help you choose the right structure. Exact benefits and limits depend on the specific policy version and optional modules.