Better cover. Smoother service. Built for expats.
Yes. Sanitas waives its waiting periods, called carencias in Spanish, when you switch after at least 12 months of continuous private health insurance with another insurer in Spain. Childbirth keeps its 8-month wait, and on worldwide cover the waits still apply to overseas treatment. There is no medical checkup; the policy can start within 24 to 72 hours of approval.
Already covered by private health insurance in Spain but thinking of making a change? You're not alone. Thousands of expats and residents switch to Sanitas every year — looking for better value, smoother service, and a provider that truly understands their needs.
Whether you're unhappy with your current insurer, need a policy that supports visa or residency requirements, or just want broader coverage and faster support, Sanitas makes switching simple. With a vast medical network, multilingual assistance, and plans tailored for life in Spain, you're in safe hands from day one.
We offer three levels of cover to match different needs and budgets. Reduced Cover includes GP care, basic specialists, and emergencies. Standard Cover adds hospitalisation, surgery, and wider access to specialists. Enhanced Cover gives you our most complete package – so you can include optional add-ons like international cover, repatriation and pharmacy reimbursement.
Tell us a bit about your needs and we'll recommend the right Sanitas plan for you — no pressure, just clear pricing and personalised advice.
Send us your existing health insurance policy. Our team will review it and check whether we can match your benefits or waive qualification periods.
We'll guide you through cancelling your old plan and starting your new Sanitas cover without gaps — so you're never left without protection.
Sanitas specialises in serving the expat community in Spain. Whether you're here for work, retirement, study or family, our plans are built with your specific needs in mind. Get access to English-speaking support, expat-friendly documentation, and seamless onboarding — even if you're not fluent in Spanish.
Sanitas gives you access to over 58,000 professionals and some of the most prestigious private clinics in Spain — including the Sanitas-owned hospitals and medical centres. Enjoy shorter wait times, top-tier specialists, and the ability to choose your doctor or facility.
With the app and online portal, you can book GP appointments, consult with doctors via video, download prescriptions, and access test results, wherever you are. It's private healthcare on your terms, without the paperwork or phone queues.
All with no co-payments, so the monthly premium is all you pay. Get an instant price for your age and region above.
From 61,40 € / month
Cover in Spain + no co-payments
The plan most people move to: full private cover in Spain with no co-payments, so your monthly premium is all you pay.
From 64,40 € / month
Cover in Spain + no co-payments
A step up from Mas Salud – adds access to any GP in Spain, with no co-payments.
From 83,70 € / month
Cover in Spain + 70% worldwide
Broader cover for people transferring from a comprehensive policy who want to keep a similar level of protection.
From 94,00 € / month
Cover in Spain + 90% worldwide
Our most complete cover, closest to a high-end international policy – the usual choice when moving from premium cover elsewhere.
Yes, but only from BUPA and only to specific plans (Sanitas Mas Salud, Sanitas Mas Salud Family and Sanitas Top Quantum).
No. Your medical history will be assessed as part of the application process. You will be advised if any pre-existing conditions cannot be covered before the policy is finalised. Sanitas will waive your qualification periods only.
If you're receiving treatment under another provider, let us know. If you simply need a repeat prescription then this will be covered as long as Sanitas covers the condition. If you are undergoing complex treatment for serious or chronic conditions then this is unlikely to be covered.
In most cases, once your documentation is approved, your new Sanitas policy can start within 24 to 72 hours. We'll guide you through every step.
No, with the exception of child birth. If you're switching from another private provider and have completed similar qualification periods, these will be waived. If you take a Sanitas policy that includes worldwide cover, qualification period will apply to claims for overseas treatment.
Absolutely. Sanitas offers joint policies for couples, families, and even newborns, with multi-person discounts in many cases.
Yes, but only from companies within the BUPA Global group. We can review documentation from BUPA and help you transfer to a Sanitas plan that matches or exceeds your current coverage.
Not necessarily. Many doctors work with multiple insurers, including Sanitas.
Yes, but we recommend checking cancellation terms with your current insurer.
No. Just complete a short health questionnaire which is a part of the application form for our underwriting team.
Switching to Sanitas needs your existing health insurance policy and a completed application form. The HealthPlan Spain team reviews the existing policy and checks whether your benefits can be matched. Qualification periods are waived with the exception of giving birth. The application form includes a short health questionnaire for the underwriting team, so no medical checkup with a doctor is needed.
Sanitas Mas Salud is the plan most people move to, with private cover in Spain and no co-payments. Sanitas Top Quantum adds access to any GP in Spain. Sanitas Mas 90 covers Spain plus 70% worldwide, for people who want to keep a similar level of protection to their existing policy. Sanitas Premium 500 covers Spain plus 90% worldwide and is closest to an international policy.
Sanitas waives its waiting periods, except childbirth, when you have held private health insurance in Spain with another insurer for at least 12 months. You will need proof of continuous cover for the previous year. Private health insurance held in another country does not count, except a policy with a Bupa company. Waiting periods do not apply to an accident, or to a life-threatening and unexpected illness diagnosed after the policy starts, when the policy covers that care.
Switching your health insurance to Sanitas is just a few steps away. You can get a quote online, we just need a few details from you to get started.
Get access to a wide network of Sanitas medical facilities and choose from a range of flexible healthcare benefits.
Pick up where you left off – see your plans priced side by side, or edit your details to recalculate.