Sanitas Inicia is designed for small, medium and large companies that want to provide high-quality private health cover for their team. Available with or without co-payments, the plan gives all employees full access to the Sanitas network across Spain — with unlimited consultations, hospital care, dental cover and a preventative medicine programme included as standard.
The terms and conditions improve significantly according to the number of employees on the policy. Companies with 21–50 employees benefit from most waiting periods being waived, while companies with 51–350 employees have all waiting periods and pre-existing conditions removed entirely.
Company Size Tiers
How Terms Improve with More Employees
The Inicia plan is the same product across all sizes — coverage is identical. What changes is how waiting periods and pricing are applied.
| Company size | Waiting periods | Pre-existing conditions | Product summary |
|---|---|---|---|
| 5–20 employees | Standard waiting periods apply (see below) | Standard assessment | Download PDF ↓ |
| 21–50 employees | No waiting periods except childbirth & serious pre-existing conditions | Standard assessment | Download PDF ↓ |
| 51–350 employees | All waiting periods waived | All pre-existing conditions waived | Download PDF ↓ |
Pricing also improves with group size. Contact us for a tailored quote for your company.
Primary Care
Included▾
- General medicine (GP)
- Preventative check-ups and health assessments
- Emergency care
- Paediatrics and childcare (up to 15 years)
- Nursing and home care
- Ambulance service
- Primary specialities: paediatrics, gastrointestinal, cardiology, pneumology, gynaecology and urology
Preventative Medicine Programme
Included▾
- Early disease diagnosis programme
- Medical consultations and physical examinations
- Basic diagnostic tests
- Health risk assessments for employees
The preventative medicine programme helps reduce absenteeism and supports early detection of health conditions — improving productivity and long-term employee wellbeing.
Specialist Care
Unlimited▾
- Unlimited medical and surgical consultations in almost every speciality
- International second opinion service
Limited consultations apply for podiatry, psychology and speech therapy.
Diagnostic Tests
Included▾
- Basic diagnostic tests
- Complex diagnostic tests
- High-technology diagnostic tests (6-month waiting period for 5–20 employee groups)
Hospital Care
Included▾
- Hospitalisation (waiting period for 5–20 groups; waived for 51+)
- Intensive care unit (ICU)
- Outpatient and inpatient surgeries
- Diagnostic tests during hospitalisation
- Childbirth and C-section
- Ambulance cover
- Clinical psychology
- Single room with bathroom and bed for companion
- All meals and medication included
Additional costs may apply for certain surgical procedures. Psychiatric hospitalisation is limited.
Therapies & Rehabilitation
Included▾
- Physiotherapy
- Treatments requiring specialised equipment and staff
- Simple, complex and high-tech therapies
Complex therapies have a 10-month waiting period for 5–20 employee groups.
Dental Care
Included▾
- Dental consultations
- Teeth cleaning
- Wound treatment
- Extractions
Dental co-payment: €3 per procedure. For more extensive dental cover, Sanitas Dental Milenium or Dental Premium are available as add-ons.
Payment Protection
Included▾
- Premium payments covered for 12 months in the event of the policyholder's death
This benefit ensures employee cover continues without interruption in exceptional circumstances.
Worldwide Travel Cover
€12,000/year▾
- Emergency overseas medical assistance up to €12,000 per person per year
- Medical treatment and drugs for illness or accident abroad
- Hospitalisation costs abroad
- Ambulance service abroad
Digital Benefits
24/7▾
- Video consultations via the Mi Sanitas app
- 24-hour emergency video consultations
- Digital consultations across a wide range of specialities
- Digital appointments and scheduling
- Digital health programmes
- Corporate Sanitas portal to manage all policy aspects
- No on-site payment — direct billing to insurer
Co-payments (Optional)
Optional▾
Co-payments are optional. The first 6 services per year are always free — co-payments only apply from the 7th service onwards.
| Services used per year | Co-payment per service |
|---|---|
| 1st to 6th service | Free |
| 7th to 10th service | €4 |
| 11th to 15th service | €7 |
| More than 15 services | €10 |
| Dental procedures | €3 |
High-frequency services — single €12 co-payment: Antenatal classes, physiotherapy (10 sessions), ventilation therapy (15 sessions), oxygen therapy (30 days BPAP/CPAP, 15 days aerosol).
Waiting Periods by Company Size
Varies by size▾
Waiting periods apply to new members entering private insurance for the first time. Employees transferring from another Spanish insurer with 12+ months continuous cover can have waiting periods waived (excluding childbirth), regardless of company size.
5–20 employees — standard waiting periods:
| Period | Cover affected |
|---|---|
| Immediate | Vital emergencies (medical report required) |
| 3 months | Outpatient surgery |
| 6 months | High-technology diagnostics; Psychology |
| 8 months | Childbirth and C-section |
| 10 months | Complex therapies; Hospitalisation; Tubal ligation and vasectomy |
21–50 employees: No waiting periods except childbirth and serious pre-existing conditions.
51–350 employees: All waiting periods and pre-existing conditions are fully waived.
51–350 employees: All waiting periods and pre-existing conditions are fully waived.
Employer Benefit
Tax Benefits for Employer & Employees
Company health insurance premiums are a tax-deductible business expense in Spain. Employees also benefit — they pay no IRPF income tax on the insurance benefit, up to €500 per insured person per year. An efficient way to reward, attract and retain your team.
FAQ
Frequently Asked Questions
Sanitas Inicia is available to companies with between 5 and 350 employees. If your company has fewer than 5 employees, speak to us about individual or autónomo plans. Companies with more than 350 employees are typically better served by larger group schemes such as Sanitas Pymes Más Digital or Empresas Más Digital.
The maximum contractual age for new members joining the plan is 75 years. Once the policy is active there is no upper age limit — employees who joined before their 75th birthday can continue their cover beyond that age without interruption.
Sanitas Inicia applies standard waiting periods for certain services: 6 months for specialist consultations and diagnostic tests (including MRI and scans), 8 months for surgery and hospitalisation, and 8 months for childbirth. Urgent and emergency treatment, GP consultations, and accident-related care are covered from day one with no waiting period.
Yes. Any employee who has been continuously insured with another Spanish insurer (or a BUPA Group entity) for more than 12 months can have all standard waiting periods removed. You'll need to provide a copy of their previous policy certificate and proof of last premium payment. Note that childbirth waiting periods cannot be waived under any circumstances.
No — co-payments are entirely optional. You can choose the co-payment version of the plan, which reduces the monthly premium, or select the no-copay version for a slightly higher premium with no out-of-pocket costs per appointment. With the co-payment version, the first 6 services per calendar year are always free; co-payments only apply from the 7th service onwards in that year.
Employees can add their spouse or registered partner and dependent children up to the age of 25 (or without age limit if the child has a recognised disability). Family members are added at an additional premium and enjoy the same network access as the main policyholder. Some companies choose to subsidise family cover as part of their benefits package.
When an employee leaves, their cover under the group policy ends. However, Sanitas typically offers a conversion option — the departing employee can continue cover in their own name by switching to an individual plan without serving new waiting periods, provided continuity of cover is maintained. This is particularly valuable for employees with ongoing health needs.
Yes — Sanitas Inicia uses a tiered pricing structure where the per-person premium becomes more advantageous as the number of insured employees grows. Broadly: 5–20 employees, 21–100 employees, and 101–350 employees each have different rate bands. For a tailored quote that reflects your exact company profile and headcount, contact us directly.
Sanitas Inicia includes standard dental cover as part of the base plan: consultations, oral hygiene cleaning, wound treatment and simple extractions. A €3 co-payment applies per dental procedure. For employees who need more extensive dental work — orthodontics, implants, or complex oral surgery — Sanitas Dental Milenium or Dental Premium can be added as an optional upgrade at extra cost.
Yes. Sanitas Inicia includes access to Sanitas' preventative medicine programme, which covers periodic health check-ups, vaccination recommendations, lifestyle health advice, and early detection screenings. This is designed to help keep your workforce healthy and reduce absenteeism — a meaningful benefit that many companies highlight in their employee wellbeing strategy.
Yes. The plan includes international emergency cover of up to €12,000 per year per insured person. This covers urgent medical treatment required while travelling abroad and is particularly valuable for employees who travel for business. Note this is emergency cover only — it does not replace a dedicated travel insurance policy for planned treatments or repatriation.
Yes — this is one of the most attractive financial benefits of company health insurance in Spain. Premiums paid by the employer are deductible as a business expense (up to €500 per person insured per year, or €1,500 for employees with a recognised disability). Employees do not pay income tax (IRPF) on the value of the cover, making it a highly tax-efficient benefit for both parties. We recommend confirming the exact treatment with your gestor or tax adviser.