Full private health insurance for self-employed professionals in Spain — surgery, hospitalisation, dental and exclusive autónomo benefits included. The first 6 services each year cost you nothing; a modest tiered copay applies after that, capped at €360 per year.
Profesionales Plus uses a tiered copay model. Your first 6 consultations, tests or procedures each calendar year cost you nothing. From service 7 onwards a small charge applies — starting at €4 — rising gradually to a maximum of €10. The total you can ever pay in copays is capped at €360 per person per year, no matter how frequently you use the plan.
Sanitas Profesionales comes in three variants: No Copay (Profesionales), Mid Copay (this plan) and Low Copay (Profesionales Óptima). Plus has the same core coverage and dental as the No Copay plan — just with a modest copay that keeps the monthly premium lower.
Profesionales Plus covers the same core healthcare as the No Copay plan, including exclusive autónomo benefits that standard plans don't offer.
Total Protection is a support package that activates automatically when you are admitted to hospital for more than 72 hours, or are immobilised at home on medical sick leave for more than 72 hours. These benefits are exclusive to Sanitas Profesionales — they do not exist on standard health plans.
Profesionales Plus includes Dental 21 — 40+ dental services with a small €3 copay per dental service. The Low Copay (Profesionales Óptima) variant does not include dental cover.
Profesionales Plus uses a tiered annual model. The more you use the plan, the higher the per-service charge — but it's capped so you always know your worst-case cost.
| Services used in the calendar year | Copay per service |
|---|---|
| Services 1 – 6 | €0 — completely free |
| Services 7 – 10 | €4 per service |
| Services 11 – 15 | €7 per service |
| Services 16 and above | €10 per service |
| High-frequency services * | €12 per service (fixed) |
| Dental services | €3 per dental service |
| Annual maximum — per insured person | €360 cap — no more than this |
* High-frequency services with a fixed €12 copay: physiotherapy (10 sessions), ventilation therapy (15 sessions), aerosol therapy (15 sessions), oxygen/BPAP/CPAP therapy (30 days), pre-natal classes. These do not count towards the tiered scale above.
If you visit a doctor 10–15 times a year, your total copay would be roughly €28–€67 — a fraction of the monthly premium saving vs No Copay. The plan is ideal for professionals who use the plan regularly but don't want the higher monthly cost of a zero-copay product. For very frequent users (20+ services/year), the No Copay plan often works out cheaper overall.
If you're hospitalised or on sick leave for more than 72 hours, Sanitas activates a full support package. These benefits exist because autónomos have no employer to fall back on.
Under Spanish tax law, self-employed workers can deduct health insurance premiums from their IRPF personal income tax. The first €500 per insured person per year — policyholder, spouse and each child — is exempt. For a family of three, that means up to €1,500 of annual premium is tax-deductible.
This effectively reduces the real net cost of the plan. Consult your gestor or tax advisor for your specific situation.
All three variants cover the same core healthcare. The differences are in copayment levels and two additional benefits only in No Copay and Mid Copay.
| Feature | No Copay Profesionales | Mid Copay This plan | Low Copay Profesionales Óptima |
|---|---|---|---|
| Copayments per visit/test | ✓ None | Tiered — €0 first 6/yr | Low per visit |
| Primary care & emergencies | ✓ | ✓ | ✓ |
| All medical specialities | ✓ | ✓ | ✓ |
| CT / MRI / diagnostic tests | ✓ | ✓ | ✓ |
| Surgery & hospitalisation | ✓ | ✓ | ✓ |
| Total Protection (autónomo benefits) | ✓ | ✓ | ✓ |
| Traffic & occupational accident cover | ✓ | ✓ | ✓ |
| Emergencies abroad (€12,000/year) | ✓ | ✓ | ✓ |
| Video consultation & Blua | ✓ | ✓ | ✓ |
| Second medical opinion | ✓ | ✓ | ✓ |
| Dental cover — Sanitas Dental 21 | ✓ Included | ✓ Included | ✗ Not included |
| Death from accident (€5,250) | ✓ Included | ✓ Included | ✗ Not included |
| Tax deductible (€500 IRPF exempt/person) | ✓ | ✓ | ✓ |
| Best for | Frequent users — zero out-of-pocket | Regular users — balanced cost & cover | Light users — lowest monthly premium |
Most services are covered from day one. Only the following have waiting periods:
| Service | Waiting Period |
|---|---|
| Primary care, GP, A&E, nursing, all speciality consultations, simple tests | Day 1 |
| Surgical procedures — Groups 0 to II (OMC classification) | 3 months |
| Complex diagnostic tests (CT, MRI, nuclear medicine, endoscopy) & psychology | 6 months |
| Childbirth or caesarean section | 8 months |
| Complex therapeutic methods (radiotherapy, chemotherapy, interventional cardiology, lithotripsy) | 10 months |
| Vasectomy & tubal ligation | 10 months |
| Hospitalisation & Groups III–VIII surgical procedures | 10 months |
If you have been continuously insured with a Spanish private health insurer (or any Bupa Group company) for 12 or more months, all waiting periods — except childbirth — can be reduced or eliminated on presentation of your previous policy certificate and last payment receipt.
Use the filter to find plans suited to your situation.
Prices shown are "from" prices for a 35-year-old in Madrid. Actual price depends on age and province.
Official Sanitas Profesionales Plus documentation — all in English.
Questions we get most often about this plan.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Profesionales Plus members a mid-copay health plan tailored for self-employed professionals — specialist access, full hospital cover, and significant IRPF tax savings for autónomos.
Tell us your situation and we'll confirm the exact price for Sanitas Profesionales Plus — or compare it against the No Copay and Low Copay variants. No obligation, no hard sell.
With over 2.9 million people insured, Sanitas is one of Spain's leading private health insurance providers. Established in 1954 and part of the Bupa Group since 1989, Sanitas operates the largest team of medical professionals and the widest variety of specialities in Spain.
More than 58,000 professionals work across 4,500+ medical centres throughout Spain. View the Sanitas hospital and clinic network →