Full Sanitas cover at home, emergency cover wherever you travel, and the freedom to be treated - and reimbursed - anywhere in the world, including the U.S.
Sanitas international health insurance is a Spanish health policy that also protects you abroad. Sanitas Mas 90, Sanitas Mas 90 Plus and Sanitas Premium 500 cover you 100% in the Sanitas network in Spain, plus €12,000 a year of emergency Travel Assistance. All three reimburse treatment worldwide: 70% up to €90,000 or 90% up to €500,000 a year.
Sanitas international plans are Spanish policies insured by Sanitas Sociedad Anónima de Seguros, which is part of the Bupa group. HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges these Sanitas policies in English, at the same price as buying direct from Sanitas.
Whether you're a frequent traveller, global expat, or simply want the peace of mind that comes with worldwide private medical care, Sanitas has you covered. Discover international health plans that offer premium protection inside Spain and across the globe - including the United States.
Sanitas international plans are full Spanish health policies first: inside Spain you get complete, directly-billed cover through the Sanitas network. On top of that sit two layers of international protection - travel assistance for emergencies while you're abroad, and a worldwide reimbursement option that lets you choose any doctor or hospital in the world. They're ideal for expats who still travel, digital nomads, dual-residency families, second-home owners and anyone who wants the freedom to seek treatment beyond Spain.
There are three layers of cover working together. Here's how they fit.
Inside the Sanitas network in Spain you're 100% covered - GPs, specialists, diagnostic tests, surgery, unlimited hospitalisation and dental, billed directly with no claims to file. Premium 500 has no co-payments; Mas 90 can be taken with small co-payments or without.
This is the travel-insurance-style cover built into your policy. Included free on every comprehensive plan (not on Avanza, Accede or Unico). Up to €12,000 per contract year for emergency medical treatment while travelling outside Spain, plus medically-supervised repatriation, an air ambulance if needed, and a relative flown out if you're hospitalised for more than five days. For emergencies - accidents and illness that happen while you're away.
On Mas 90 and Premium 500 you can choose any doctor or hospital - outside the Sanitas network in Spain, or anywhere in the world including the U.S. - and claim back 70% up to €90,000 (Mas 90) or 90% up to €500,000 (Premium 500). Planned, elective freedom of choice, not just emergencies.
They're easy to confuse. The simplest way to tell them apart:
Most private health policies sold in Spain give you, at best, a small capped travel-assistance benefit abroad - nowhere near real hospital costs in the United States. Sanitas Mas 90 and Premium 500 go further. Both include access to Sanitas's network of prestigious medical centres in the U.S., and because the worldwide reimbursement option lets you choose any provider, you can be treated by a U.S. doctor or hospital and claim back up to 70% or 90% of the cost - subject to your annual limit of €90,000 or €500,000. You can also add tiered worldwide cover to our comprehensive plans - see the Worldwide Reimbursement add-on.
That makes these plans a strong fit for transatlantic lives: dual residency, family on both sides of the Atlantic, or anyone who spends part of the year in the States and wants private cover that travels with them.
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.
From 83,70 € / month
Cover in Spain + 70% worldwide
The Sanitas Mas 90 is an all inclusive health insurance policy covering you in Spain and worldwide with no co-payments.
From 94,00 € / month
Cover in Spain + 90% worldwide
Provides comprehensive care in Spain plus €500k cover worldwide. Packaged with reimbursement of prescription costs and a hospital cash allowance.
Living in Spain but back home or abroad regularly, and wanting cover that doesn't stop at the border.
Based in Spain on paper, working from anywhere, needing care wherever the work takes them.
Lives split between Spain and another country - often with family on both sides of the Atlantic.
Splitting the year between Spain and abroad and wanting one policy that covers both.
On the road for business or pleasure, who want emergency cover and repatriation built in.
People who value the freedom to pick their own specialist or hospital, in Spain or worldwide.
Yes. Sanitas Premium 500 and both Mas 90 plans include emergency medical care abroad as part of their standard health benefits. Alternatively, you can use the reimbursement cover provided with all 3 plans to be treated in any hospital of your choice, worldwide.
Not quite. The Travel Assistance built into every comprehensive plan works like travel insurance for emergencies - up to €12,000 per contract year for accidents and illness while you're abroad, plus repatriation. The worldwide reimbursement option goes further, letting you choose to be treated by any provider in the world for planned care and claim back 70% or 90% of the cost.
Every comprehensive plan includes Travel Assistance for emergencies abroad. The budget plans - Avanza, Accede and Unico - do not. For full worldwide reimbursement on planned treatment, you need Mas 90 or Premium 500.
Yes, you can choose any provider worldwide without exclusion. This is ideal for clients with transatlantic travel needs or dual residencies. For the 100% United States cover on Sanitas Premium 500, treatment must be at a centre Sanitas appoints there and authorised by Sanitas in advance.
You pay for your treatment abroad and keep a copy of the paid invoice and medical report, then upload them to the app. Sanitas reimburses based on insured limits.
Travel Assistance covers unexpected accidents and illness that occur while you travel; conditions that were already evident before travelling, and treatment already arranged in Spain, are excluded. Worldwide reimbursement follows your policy's standard terms and waiting periods. Always declare any pre-existing conditions when you apply. If you switch from another insurer, Sanitas waives waiting periods, except for childbirth, for care in the Sanitas network only. The reimbursement route keeps its waiting periods, such as 10 months for hospitalisation and surgery.
Yes. The Students plan includes the same international travel assistance that is included on all comprehensive plans. The limit is 12,000 Euros and for emergency use only.
Yes. Sanitas Travel Assistance includes medically supervised repatriation, an air ambulance if needed, and a relative flown out if you are hospitalised abroad for more than five days. Sanitas Travel Assistance covers emergencies, meaning accidents and illness that happen while you are away, and applies automatically while you travel, with nothing to arrange.
No, a Sanitas international plan is a Spanish health policy for people who live in Spain. Cover for an insured person ends if they move their residence abroad or live in Spain for less than six months a year. Sanitas can ask for proof of Spanish residency, such as a tax residency certificate.
On Sanitas Mas 90, Sanitas Mas 90 Plus and Sanitas Premium 500, costs above the €12,000 Travel Assistance limit can be claimed under the plan's reimbursement cover. The extra costs are reimbursed at the plan's percentage, 70% or 90%, within its annual limits. Reimbursement claims must be sent to Sanitas within 90 days of the treatment. Sanitas reimburses reasonable and usual costs, meaning amounts no higher than similar providers in the same area normally charge.
Sanitas Mas 90 Plus carries small co-payments, also called excesses. Sanitas Mas 90 and Sanitas Premium 500 have no co-payments. All three cover you 100% inside the Sanitas network in Spain and include hospitalisation, dental cover, access to all medical and surgical specialties and Travel Assistance.
Protect yourself worldwide with Sanitas international private health insurance. Perfect for expats, business travellers, and global families in Spain. You can get a quote online, we just need a few details from you to get started.
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