Sanitas Health Insurance Spain Sanitas Más 90.000
Con Copago

Copayments are small fixed charges per service used within the Sanitas network. High-frequency services — general medicine, paediatrics, nursing, physiotherapy, rehabilitation, and the Sanitas 24h helpline — carry a €3.50 copayment. All other services, including specialist consultations, diagnostics, A&E, and hospital stays, carry a €5.00 copayment. These apply from the first service; there is no free threshold. In return, the monthly premium is lower than the sin copago version of the same plan.

When you choose to see a private doctor or specialist outside the Sanitas network — in Spain or anywhere in the world — you pay the full cost upfront, then submit the invoice and receipts to Sanitas. They reimburse 70% of the eligible cost, up to €90,000 per year per insured person. Dental reimbursement is separate: 60% of eligible cost at Sanitas-appointed dental clinics, up to €200 per year.

No. Spanish consulates require health insurance with no annual coverage cap for NLV and DNV applications, and Más 90.000 Con Copago has a €90,000 annual limit. The only Sanitas plans approved for visa applications are Sanitas Residents and Sanitas Residents Platinum. If you need insurance for a visa, please see those pages.

If you are hospitalised at a private facility outside the Sanitas appointed network, Sanitas pays €69 per day as a daily benefit — up to a maximum of 90 days per year. This helps cover incidental expenses (transport, meals, additional costs) during stays at non-network hospitals. It is separate from the main 70% reimbursement.

Emergency care and GP visits are available from day one. Planned services have standard waiting periods: 3 months for Groups 0–II surgery, 6 months for complex diagnostics and psychology, 8 months for childbirth and dental, and 10 months for hospitalisation and major surgery. If you are transferring from another Spanish health insurer with at least 1 year of continuous cover, Sanitas may waive waiting periods — ask us when requesting your quote.

Yes. Partners and children can be added as additional insured persons, each at their own age-rated premium. Newborns can be added from birth. Family policies of 3–4 people receive a 10% discount; 5 or more receive 15%. Ask us for a family quote when you get in touch.

The maximum age to start a new Sanitas Más 90.000 Con Copago policy is 64 years. Once the policy is active, it can be renewed regardless of age. If you are over 64, please contact us — we can advise on suitable alternatives.

Yes. Sanitas accepts payment by international credit or debit card, Spanish IBAN (SEPA direct debit), and EU IBAN (SEPA direct debit). You do not need a Spanish bank account to take out a policy. Cover can start the same day in most cases.

Yes. Más 90.000 Con Copago is accepted for EU residency applications where the requirement is to demonstrate comprehensive private health insurance in Spain. EU residency applications do not require unlimited annual coverage — the €90,000 annual limit satisfies the standard requirement. If you are unsure whether this plan meets your specific consulate's requirements, contact us before applying.

Both versions have identical cover — the only difference is the trade-off between upfront copayments and monthly premium. With the copago version you pay €3.50–€5.00 per service used but enjoy a lower monthly premium. With sin copago you pay nothing per visit but a higher monthly premium. If you visit the doctor frequently (several times a month), sin copago typically offers better overall value. If you rarely visit — or prefer to keep your monthly outgoings low — the copago version is usually the more cost-effective choice. We're happy to help you model the numbers when you request a quote.