Full private health insurance designed exclusively for self-employed professionals in Spain — including surgery, hospitalisation, dental, and unique autónomo benefits that activate when you're hospitalised or off sick. Zero charge per consultation, test or procedure.
Profesionales Sin Copago means you pay nothing extra per visit, test, procedure or hospital stay. Every service is fully covered once your monthly premium is paid — no per-visit charges, no deductibles.
Sanitas Profesionales comes in three variants: No Copay (this page), Mid Copay (Profesionales Plus) and Low Copay (Profesionales Óptima). The No Copay version is the only variant with full dental cover and the death from accident benefit included.
Sanitas Profesionales covers everything a standard full plan covers — plus exclusive benefits for autónomos that no standard plan offers.
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.
The Low Copay (Profesionales Óptima) variant does not include dental cover. This is one of the key reasons the No Copay plan delivers better value for regular dental users.
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 This plan | Mid Copay Profesionales Plus | Low Copay Profesionales Óptima |
|---|---|---|---|
| Copayments per visit/test | ✓ None | Medium per visit | 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 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 (No Copay) members the complete no-copay health solution for self-employed professionals — full hospital, surgical, and specialist cover with 100% IRPF deductibility for autónomos.
Tell us your situation and we'll confirm the exact price for Sanitas Profesionales No Copay — or compare the three 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 →