Sanitas Avanza | Health Insurance Spain With Surgery | From €33.60/Month

✓ Outpatient Surgery Included From €33.60/Month Ages 0–59

Sanitas Health Insurance Spain Sanitas Avanza

The step-up from basic consultation cover — Avanza adds 400+ outpatient surgical procedures and high-tech diagnostics (CT, MRI, ultrasound) to the full Sanitas specialist network. Annual copayment capped at €350. Spain's lowest-cost Sanitas plan with surgery included.

400+ outpatient surgical procedures included

CT scans & MRI covered

First 6 services per year — free

Annual copay cap €350

Ages 0–59

Get a Free Quote → View Full Coverage

Sanitas Avanza

Plans from

€ 33.60 /month

Per person, per month. Your exact premium depends on age & province.

ProviderSanitas (Bupa)

Outpatient surgery✓ 400+ procedures

CT / MRI✓ Included

First 6 servicesFree — €0 copay

Annual copay cap€350/person

Hospitalisation✗ Not included

Max entry age59 years

NLV / DNV Visa✗ Not accepted

Applying for a visa? This plan is not accepted for NLV or DNV applications. Take a look at:

→ Sanitas Residents → Sanitas Residents Platinum

✓400+ outpatient surgical procedures included

✓CT scans, MRI & high-tech diagnostics covered

✓Annual copayment cap €350/person

✓First 6 services per year — free

✓Basic dental + Blua digital health included

✓From €33.60/month — ages 0–59

Choose your planTell us your situation — we'll confirm whether Avanza is the right fit or suggest an alternative with full hospital cover if needed.

Get your quoteTell us your age, province and how many people need cover. We provide a personalised price with no obligation.

Start your policyChoose your start date. A 3-month waiting period applies to surgical procedures; all other cover begins immediately.

What's Covered

Sanitas Avanza — Full Cover Details

Avanza gives you access to the complete Sanitas specialist network plus 400+ outpatient surgical procedures and high-tech diagnostics. A 3-month waiting period applies to surgery and 6 months to complex diagnostics.

ℹ️ Day-case surgery — no inpatient hospitalisation: Avanza includes 400+ outpatient and day-case surgical procedures (OMC Groups 0, I and II) performed at Sanitas centres. It does not include inpatient overnight hospitalisation or complex surgery requiring a hospital stay. If you need full hospital cover, see Más Salud Plus (from €41.67/mo).

🩺GP & Primary Care▼

✅All primary care services are available from day one — no waiting period applies to GP and general consultations.

✓
General medicine (GP) — unlimited consultationsFirst 6 services per year free; visits 7–15: €5 copay; from visit 16: €10 copay
✓
Paediatrics and childcare (up to 15 years)
✓
Nursing service — at the centre and at home
✓
Ambulance service (emergency use)
✓
Sanitas 24 Hours telephone service — nurse-led health advice lineAvailable 24/7; not included on Accede — available on Avanza and above

🚨Emergencies▼

✓
Emergency care at permanent Sanitas emergency centresCopay: €8 per emergency visit
✓
Emergency video consultation — 24/7 general and paediatric via Blua appNo copayment on video consultations
✓
Round-the-clock emergency services in towns where Sanitas provides this
✗
Emergency hospitalisation requiring overnight admission is not included — Avanza covers day-case procedures only
✗
Road and work accidents not covered as standardAvailable as optional add-on

👨‍⚕️Medical Specialities — All Included▼

ℹ️Avanza includes unlimited consultations across all medical specialities. Both simple and complex diagnostic tests performed during the consultation are included — this is a key upgrade over Accede.

✓
Allergology, Cardiology, Dermatology, Digestive System, Endocrinology
✓
Geriatrics, Gynaecology & Obstetrics, Haematology, Internal Medicine
✓
Nephrology, Neurology, Neurosurgery, Clinical Neurophysiology
✓
Oncology, Ophthalmology, ENT, Pneumology, Psychiatry
✓
Radiodiagnosis/Imaging, Rehabilitation, Rheumatology, Traumatology
✓
Vascular Surgery, Cardiovascular Surgery, General Surgery, Maxillofacial Surgery
✓
Paediatric Surgery, Reconstructive Surgery, Thoracic Surgery
Copay per consultation: first 6 services free; visits 7–15: €5; from visit 16: €10. Diagnostic & therapeutic procedures: €12. High-frequency services: €20.

🔬Diagnostics & Advanced Imaging — CT & MRI Included▼

⭐Key upgrade from Accede: Avanza covers high-tech diagnostics including CT scans, MRI, ultrasounds and complex analytical tests. A 6-month waiting period applies to complex diagnostic tests.

✓
Blood and urine tests — simple and complex analytical tests
✓
Simple radiology (X-rays)
✓
Ultrasound scans and echocardiograms
✓
CT scans (computed tomography)6-month waiting period applies. Copay: €12.
✓
MRI (magnetic resonance imaging)6-month waiting period applies. Copay: €12.
✓
Nuclear medicine, PET scans6-month waiting period applies
✓
Physiotherapy (outpatient, musculoskeletal conditions)Requires prior authorisation from Sanitas. Covers functional recovery; maintenance therapy and neurological/cardiac rehabilitation excluded.
✓
Aerosol therapy, wound treatment and other therapeutic methods
✓
Home-based respiratory therapy — CPAP for sleep apnoea, oxygen therapy, BiPAP ventilation
✓
Nutrition consultations (requires specialist prescription — cancer, diabetes, BMI>30 or severe eating disorder)
✗
Speech-language rehabilitation excludedPhoniatric consultations included; speech therapy sessions are not

Copay on diagnostics and therapeutic methods: €12 per session. First 6 services per year are free.

🏥Outpatient & Day-Case Surgery — 400+ Procedures▼

⭐The defining upgrade of Avanza: Over 400 surgical procedures from OMC Groups 0, I and II are covered as outpatient or day-case operations at Sanitas centres. A 3-month waiting period applies. Copay: €12 per procedure.

✓
OMC Group 0 — minor procedures: cyst removal, skin lesion excision, wound suturing, minor biopsies3-month waiting period. Copay: €12.
✓
OMC Group I — low-complexity surgery: varicose veins, ingrown toenails, hernia repair, adenoid removal, minor joint procedures3-month waiting period. Copay: €12.
✓
OMC Group II — intermediate-complexity surgery: haemorrhoid surgery, carpal tunnel, minor orthopaedic procedures, tonsillectomy, minor gynaecological procedures3-month waiting period. Copay: €12.
✓
Genetic studies under specific conditions — BRCA 1/2 mutation (familial breast/ovarian cancer) and colorectal cancer gene panel
✗
Complex surgery requiring inpatient hospitalisation (OMC Groups III and above) not included
✗
Cosmetic or aesthetic surgery not included

All surgical procedures are performed at Sanitas authorised centres. Prior authorisation from Sanitas is required.

🧠Psychology — Up to 15 Sessions/Year▼

✓
Up to 15 individual psychology sessions per insured, per yearMust be prescribed by a Sanitas Psychiatrist, Family Health Advisor, Paediatrician or Oncologist
✓
Psychometric tests covered as part of the psychology benefit
✗
Psychoanalysis, hypnosis, narcoanalysis, animal-assisted therapy, psychosocial rehabilitation excluded

🦶Podiatry & Other Specialist Services▼

✓
Podiatry (chiropody only) — up to 12 sessions per insured, per yearCovers removal of calluses and toenail alterations by a registered chiropodist. Copay: €3 per session.
✓
Pain treatment — specialist pain management consultations
✓
Allergology — full IgE determination including recombinant allergensMolecular allergy diagnosis (microarrays) excluded
✓
Gynaecology — pelvic floor recovery plan available via Sanitas Responde phone programme

🦷Dental — Basic Cover▼

ℹ️Avanza includes a basic dental benefit covering the most common consultations and treatments. This is not a full dental plan — cosmetic and restorative work is not included.

✓
Dental consultations
✓
Scale and polish (carried out in the dental consultation room only)
✓
Wound treatment in dental context
✓
Tooth extractions
✗
Cosmetic dental work, implants, prostheses, orthodontics not included
✗
Dentistry targeting functional mouth issues or pre-implant surgery not included

Dental copay: €3 per visit.

📱Blua Digital Health — Mi Sanitas App▼

📲Blua is Sanitas's full digital health platform — included with Avanza. All video consultations are free of charge with no copayment.

✓
Video consultation — GP and all available specialtiesFree — no copayment applies to video consultations
✓
Emergency video consultation — 24/7 general and paediatric, available worldwide
✓
Digital consultation today — same-day access to doctors across 10 specialties
✓
Digital physiotherapy — guided exercise and rehabilitation programmes
✓
Take care of your mind — digital mental health support programme
✓
Check your health — self-assessment and wellbeing tools
✓
Vital sign measurement and personalised health programmes
✓
Book appointments, access test results, download your insurance card — Mi Sanitas app
✓
Personal trainer and nutrition digital programmes

💳Copayments — Full Schedule & Annual Cap▼

🛡️Your total copayments are capped at €350 per insured per year. The first 6 services you use each year are completely free — copayments only begin from your 7th service.

Service	Copayment
First 6 services of the year (any type)	Free — €0
Consultations (visits 7–15 per year)	€5
Consultations (from visit 16 onwards)	€10
Diagnostic tests, therapeutic methods & surgical procedures	€12
Emergency visits	€8
Podiatry (chiropody) sessions	€3
Dental visits	€3
High-frequency services	€20
Video consultations (all types)	Free — €0
Annual copayment cap per insured	€350 maximum

Copayments are paid directly to Sanitas at the point of service. Once you reach €350 in a policy year, all further services are free of any copay until your renewal date. Video consultations are always free and do not count toward the cap.

❌What's Not Covered — Key Exclusions▼

⚠️Avanza covers outpatient consultations and day-case surgery but does not include inpatient hospitalisation. The following are not covered.

✗
Inpatient hospitalisation — overnight hospital stays
✗
Complex surgery requiring a hospital stay (OMC Groups III and above)
✗
Road traffic accident and work accident coverThese can be added as optional extras
✗
Preventive health check-ups and medical screenings
✗
International emergency cover outside Spain
✗
Maternity / childbirth
✗
Speech-language therapy sessions
✗
Pre-existing conditions not declared and accepted at underwriting
✗
Treatment available through the Spanish public health system (Social Security)
✗
Cosmetic or aesthetic treatments
✗
Infertility treatment (basic diagnostic tests in gynaecology/urology included only)

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Avanza members full access to the specialist network and day-case surgical facilities at over 250 Sanitas centres nationwide.

57,000+ Healthcare Professionals Doctors, specialists & nurses

400+ Surgical Procedures Outpatient & day-case

€350 Annual Copay Cap Per insured per year

6 Free Services Per Year Zero copay on first 6

Plan Scope

What Avanza Covers — and What It Doesn't

Avanza is a day-case surgery plan. It provides outpatient consultations, specialist diagnostics and 400+ day-case surgical procedures — but does not cover overnight hospitalisation.

✓ Included in Avanza

✓GP, paediatrics, nursing, Sanitas 24H helpline
✓All medical specialities — unlimited consultations
✓High-tech diagnostics — CT, MRI, PET, ultrasound
✓400+ outpatient & day-case surgical procedures
✓Physiotherapy (outpatient, musculoskeletal)
✓Basic dental — consultations, extractions, scale & polish
✓Psychology — up to 15 sessions/year
✓Podiatry (chiropody) — up to 12 sessions/year
✓CPAP & home-based respiratory therapy
✓Emergency visits
✓Blua app — video consultations (free), digital health
✓First 6 services per year — zero copay

✗ Not included in Avanza

✗Inpatient hospitalisation (overnight stays)
✗Complex surgery requiring hospital admission
✗Road and work accident cover (add-on available)
✗Preventive medical check-ups
✗International emergency cover abroad
✗Maternity and childbirth
✗Speech-language therapy sessions
✗NLV / DNV visa compliance

Need full hospital cover? Más Salud Plus (from €41.67/mo) includes full hospitalisation, surgery and Blua digital health.

Compare Plans

Other Plans to Consider

Avanza sits between Accede (consultations only) and Más Salud Plus (full hospitalisation). Use the filters to compare all available plans.

Sanitas Accede

From€22.10/mo

With CopayNo Waiting Periods

✓No waiting periods — from day one
✓All specialities, unlimited consultations
€Annual copay cap €290
✓Video consultations free
✗No surgery or CT/MRI

View Plan Get Quote

This Plan

Sanitas Avanza

From€33.60/mo

With CopaySurgery Included

✓400+ outpatient surgical procedures
✓CT scans & MRI included
✓First 6 services free
€Annual copay cap €350
✗No inpatient hospitalisation

Más Salud Plus

From€41.67/mo

With CopayFull Hospital

✓Full hospitalisation & surgery
€Small copay per visit
✓Full Sanitas network
✓Blua digital health
✗Not for NLV / DNV visa

View Plan Get Quote

Más Salud Familias Plus

From€40.01/mo

With CopayFamily Plan

✓Designed for families
€Small copay per visit
✓Hospitalisation & maternity included
✓Full Sanitas network
✗Not for NLV / DNV visa

View Plan Get Quote

Top Quantum

From€57.96/mo

No Copay80% Reimbursement

✓Zero copayments on network
✓80% outside-network reimbursement
✓Unlimited consultations
✓Emergency abroad €15,000
✗Not for NLV / DNV visa

View Plan Get Quote

Más 90.000 Sin Copago

From€71.15/mo

No Copay70% Reimbursement

✓Zero copayments
✓70% off-network reimbursement
✓Annual limit €90,000
✓Full Sanitas network
✗Not for NLV / DNV visa

View Plan Get Quote

Más Salud sin Copay

From€59.90/mo

No CopayMost Popular

✓Zero copayments
✓Full Sanitas network
✓Blua digital health
✓Hospitalisation included
✗Not for NLV / DNV visa

View Plan Get Quote

Sanitas Residents

From€67.76/mo

NLV ✓DNV ✓No Copay

✓Accepted for NLV & DNV visa
✓No annual coverage cap
✓Zero copayments
✓Same-day certificate available
✓English-speaking service

View Plan Get Quote

Residents Platinum

From€107.23/mo

NLV ✓DNV ✓Premium

✓Accepted for NLV & DNV visa
✓No annual coverage cap
✓International cover worldwide
✓Repatriation included
✓Blua digital health included

View Plan Get Quote

Over 60

Sanitas Único

From€48.10/mo

With CopayAges 60–85

✓Designed for ages 60–85
€Small copay per visit
✓Full Sanitas medical network
✓Hospitalisation & surgery included
✗Not for visa applications

View Plan Get Quote

Autónomo

Profesionales

From€78.20/mo

No CopayFlat Rate

✓Flat rate — price doesn't rise with age
✓Zero copayments
✓Full Sanitas network
✓Tax-deductible for autónomos
✓Hospitalisation & surgery included

View Plan Get Quote

Autónomo

Profesionales Plus

From€49.60/mo

With CopayFlat Rate

✓Flat rate — price doesn't rise with age
€Small copay per consultation
✓Full Sanitas network
✓Tax-deductible for autónomos
✓Hospitalisation & surgery included

View Plan Get Quote

Autónomo

Profesionales Óptima

From€37.60/mo

With CopayBest Value

✓Lowest-cost autónomo plan
€Copay per consultation
✓Full Sanitas network
✓Tax-deductible for autónomos
✓Hospitalisation included

View Plan Get Quote

Prices shown are "from" prices. Your exact premium depends on your age and province.

Not sure which plan suits you? Get a free comparison quote →

Common Questions

Frequently Asked Questions

Questions about Sanitas Avanza? We've answered the most common ones below.

Avanza gives you full access to the Sanitas outpatient specialist network plus 400+ outpatient and day-case surgical procedures and high-tech diagnostics including CT scans and MRI. It covers GP, all medical specialities (unlimited consultations), advanced diagnostics, outpatient surgery, physiotherapy, basic dental, psychology (up to 15 sessions), podiatry, the Sanitas 24-hour telephone helpline and the Blua digital health platform. It does not include inpatient hospitalisation or overnight surgical admissions.

No — Avanza covers outpatient and day-case surgery but does not include inpatient overnight hospitalisation. Any surgical procedure covered by Avanza is performed on a same-day basis at an authorised Sanitas centre, without a hospital stay. If you need a plan with full inpatient hospital cover, Más Salud Plus (from €41.67/mo) is the next step up and covers full hospitalisation and all surgical procedures.

Avanza covers over 400 surgical procedures classified under OMC Groups 0, I and II — these are outpatient and day-case operations that do not require an overnight hospital stay. Examples include: removal of cysts and skin lesions, varicose vein treatment, hernia repair, adenoid removal, carpal tunnel surgery, haemorrhoid surgery, minor orthopaedic procedures, tonsillectomy and many minor gynaecological procedures. A 3-month waiting period applies before you can access surgical cover. Complex inpatient surgery (OMC Group III and above) is not included.

Yes — Avanza has two waiting periods. A 3-month waiting period applies to outpatient surgical procedures. A 6-month waiting period applies to complex diagnostic tests (CT, MRI, PET). All other cover — GP, specialist consultations, simple diagnostics, emergencies, dental, psychology and Blua digital health — is available from day one. If you need cover with absolutely no waiting periods, Sanitas Accede (from €22.10/mo) is available — though it does not include surgery or CT/MRI.

Avanza uses a tiered copayment system, but your first 6 services of the year are completely free. From your 7th to 15th consultation: €5 per visit. From visit 16 onwards: €10. Diagnostic tests, therapeutic methods and surgical procedures: €12. Emergency visits: €8. Dental and podiatry: €3. High-frequency services: €20. Video consultations are always free. Your total annual copayment is capped at €350 per insured person per year, so you always know your maximum out-of-pocket cost regardless of how often you use the plan.

Yes — this is one of Avanza's main advantages over Accede. CT scans, MRI, PET scans and other high-tech diagnostics are included with Avanza, subject to a 6-month waiting period. A €12 copayment applies per session. Sanitas Accede only includes simple diagnostics such as X-rays and basic blood tests — CT and MRI are not covered on Accede.

No. Spanish consulates require health insurance with no annual coverage cap and no co-payments or excesses for NLV and DNV applications. Avanza has both copayments and coverage limitations that do not meet these requirements. For visa-approved insurance we recommend Sanitas Residents (from €67.76/mo) or Sanitas Residents Platinum (from €107.23/mo), both of which are fully accepted for NLV and DNV applications.

Avanza is ideal for people who want budget-friendly private healthcare with the ability to access day-case surgery and advanced diagnostics — without paying for full inpatient hospitalisation. It works well for people who rely on the Spanish public system for hospital admissions but want private specialist consultations, surgery and imaging for faster access and choice of doctor. It is also a good step-up for those who have Accede and need more cover. Avanza is not suitable for visa applications, for those expecting complex surgery requiring a hospital stay, for those over 59 at entry, or for anyone needing maternity cover.

Official Documents

Download Policy Documents

Official Sanitas documentation for Avanza — all in English.

📄

Product Summary

A concise overview of Avanza — key benefits, copayment schedule, cover scope, waiting periods and plan features at a glance.

↓ Download PDF

📋

General Terms & Conditions

The complete policy wording — full details of all benefits, exclusions, copayments, waiting periods and claims procedures.

↓ Download PDF

💬

Speak to a Specialist

Not sure if Avanza is right for you? Our English-speaking advisors can compare all Sanitas plans and find the best fit for your situation and budget.

Get a Free Quote →

Get Your Personalised Avanza Quote

Tell us about your situation and we'll send you an exact price for Sanitas Avanza — or suggest a better fit if your needs include full hospital cover. No obligation, no hard sell.

Exact price based on your age & province
Cover starts on the date you choose
400+ surgical procedures included
CT & MRI covered
English-speaking advisors
Same-day response

Request a Quote — Sanitas Avanza

First Name

Last Name

Email Address

Phone / WhatsApp

Number of People to Cover

Date of Birth

Relationship

Your Situation

Town / City

Postcode

Preferred Start Date

Premium Frequency

Payment Method

Questions or Special Requirements

I agree to the Privacy Policy and consent to being contacted about this enquiry.

I confirm I am aged 18 or over and the information provided is accurate to the best of my knowledge.

Visa Compliant Plans

International Student Plans

Basic Plans

No Co-payment Plans

Reimbursement Plans

Co-payment Plans

Family Plans

Residency Plans for EU Citizens

More Insurance

Non-Lucrative Visa

Digital Nomad Visa

Other Visas

Visa Resources

Companies

Self-Employed

For Individuals

Guides

Tools

FAQs

Sanitas Health Insurance Spain Sanitas Avanza

Sanitas Avanza — Full Cover Details

What Avanza Covers — and What It Doesn't

Other Plans to Consider

Frequently Asked Questions

Download Policy Documents

Get Your Personalised Avanza Quote

Request a Quote — Sanitas Avanza

Compare Plans

Health Insurance For

Get Started