Lower monthly premiums - only pay when you use it
A co-payment (copago) is a small fixed fee you pay each time you use a covered service, on top of your monthly premium. On Sanitas plans with co-payments, such as Sanitas Accede, Sanitas Avanza and Sanitas Mas Salud Optima, it runs from €0 to €15 a consultation. Emergency visits cost €8 on most plans and diagnostic tests up to €12.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas policies in English, at the same price as buying direct from Sanitas. Sanitas is part of the Bupa group.
Co-payments in health insurance refer to a small fee you pay each time you use a medical service, in addition to your monthly premium. Choosing a plan with co-payments can reduce your monthly premium, making healthcare more affordable if you don't frequently use medical services.
We adapt to your needs. With some of our health plans, you can choose from different co-payment levels to match your usage and keep your premiums as low as possible.
Lets you benefit from a more affordable monthly premium.
Includes the first few services each year at no cost, and reduced co-payments thereafter.
Use your insurance with no additional per-visit costs.
From 22,10 € / month
Comprehensive primary healthcare in Spain
Sanitas Accede gives you comprehensive outpatient cover, including visits to GPs and specialists and simple diagnostic tests.
From 33,60 € / month
Comprehensive primary healthcare in Spain
Sanitas Avanza gives you comprehensive outpatient cover, including visits to GPs and specialists and simple diagnostic tests.
From 46,30 € / month
Cover in Spain + low co-payments
The Sanitas Mas Salud Plus is specifically for those who are already resident in Spain.
From 36,00 € / month
Cover in Spain + co-payments
The Sanitas Mas Salud Optima is specifically for those who are already resident in Spain.
From 51,40 € / month
A solution for the self employed
The Sanitas Professional Plus plan is specifically for self employed individuals who are already paying into the Spanish social security system.
From 69,20 € / month
Cover in Spain + 70% worldwide
The Sanitas Mas 90 Plus is an all inclusive health insurance policy covering you in Spain and worldwide with co-payments (excesses).
No, not on Sanitas Mas Salud Optima or Sanitas Mas Salud Plus, which give the same cover as Sanitas Mas Salud without co-payments, including hospitalisation and surgery. The difference lies in the payment structure, where you pay a small fee per service used. Sanitas Accede and Sanitas Avanza are outpatient plans with no hospital cover. Childbirth is covered on Sanitas Mas Salud Optima and Sanitas Mas Salud Plus, and not on the two outpatient plans.
Co-payments are typically billed monthly, with a detailed statement listing each service used and the corresponding fee.
Yes, Sanitas allows flexibility to switch between plans as your needs change. Moving to a plan without co-payments counts as a change of plan, so the waiting periods start again on the new plan. A condition that has developed since you joined can be excluded on the new plan. Contact us to discuss your options.
Yes, some services have annual limits. For example, psychology is limited to 15 sessions per year, and podiatry to 12 sessions per year.
Co-payment plans typically offer lower monthly premiums because you share part of the cost for each medical service used. This cost-sharing helps reduce your fixed expenses while encouraging responsible use of healthcare services.
Pre-existing conditions may be covered if declared at the time of contracting and accepted by Sanitas. Some chronic or severe conditions may be excluded based on medical assessment.
Sanitas Accede is the cheapest Sanitas plan with co-payments, from 22,10 € a month. It is outpatient cover only, with no hospital cover, and accepts new members up to age 59. The lowest starting price with hospital cover is Sanitas Mas Salud Optima, from 36,00 € a month. From age 60, Sanitas Unico is the cheapest Sanitas plan.
No. Spanish consulates require full cover with no co-payments for a non-lucrative, digital nomad or student visa, and European Union residency registration asks for the same. None of the Sanitas plans with co-payments qualifies. For a visa or residency application, choose one of the Sanitas plans without co-payments, such as Sanitas Mas Salud.
It depends on the plan. Sanitas Accede and Sanitas Avanza accept new members up to and including age 59. Sanitas Mas Salud Optima and Sanitas Mas Salud Plus accept new policyholders up to age 75. Once you are insured, none of the four has a maximum age to keep the policy. From age 60, Sanitas Unico has no maximum age to join.
Yes, except Sanitas Accede, which has none. Sanitas Avanza waits 3 months for outpatient surgery and 6 for complex diagnostic tests. Sanitas Mas Salud Optima and Sanitas Mas Salud Plus wait 3 months for outpatient surgery, 6 for complex tests, 8 for childbirth and 10 for hospitalisation. Sanitas waives these on both, except childbirth, after a year with another insurer in Spain. The Health Library guide to Sanitas waiting periods explains each one.
No. HealthPlan Spain is an authorised Sanitas agent, agent code 22395, in Marbella, arranging Sanitas policies in English at the same price as buying direct from Sanitas. We quote, set up and support your plan by phone or email, Monday to Friday 8am to 6pm and Saturday 9am to 2pm. Each plan page has the terms and conditions and brochure in English.
Contact us to discuss your options and find the perfect Sanitas co-payment plan for you.
*Most services are accessible from day one. Complex diagnostic tests such as MRIs and CT scans may have a 1 time only qualification period of up to 6 months.
Sanitas is a specialist in health and medical insurance. Our extensive experience and medical network allow us to design health insurance policies that fit every need.
With our co-payment health insurance plans, we offer different levels of co-payments so you can choose the option that best fits how often you plan to use your policy.
Explore our range of co-payment plans and calculate your quote for free.
If you prefer a health insurance policy with a fixed monthly fee and no co-payments, you can also browse our catalogue of non-co-payment options.