Sanitas Pymes Más Digital is designed for small and medium-sized companies wanting to provide comprehensive private health cover for their employees. Beyond the standard hospital, specialist and primary care, it includes specific protection for traffic and work accidents, home healthcare services, and the Dental 21 add-on — giving employees access to 30+ dental services and exclusive Milenium Dental Clinics.
Terms and pricing improve with company size. Companies with 5–20 employees follow standard waiting periods. From 21–50 employees, most waiting periods are waived. From 51–100 employees, all waiting periods and pre-existing conditions are fully removed.
How Terms Improve with More Employees
| 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 ↓ |
| 51–100 employees | All waiting periods waived | All pre-existing conditions waived | Download PDF ↓ |
- 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
- Unlimited medical and surgical consultations in almost every speciality
- International second opinion service
- Basic diagnostic tests
- Complex diagnostic tests
- High-technology diagnostic tests (6-month waiting period for 5–20 groups)
- Hospitalisation (waiting period for 5–20 groups; waived for 51+)
- Intensive care unit (ICU)
- Inpatient and outpatient 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
- Physiotherapy
- Treatments requiring specialised equipment and staff
- Simple, complex and high-tech therapies
- More than 30 dental services included
- Up to 21% discount on non-included dental services
- Access to exclusive Milenium Dental Clinics
- All medical attention required under the policy following a traffic or work accident
- No extra or advance payments required
- No paperwork for the employee to manage
- Physiotherapy sessions at home
- Home delivery of medicines from the pharmacy
- 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
- Video consultations via the Mi Sanitas app
- 24-hour emergency video consultations
- Digital consultations with doctors from 10 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 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 |
Standard 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).
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 |
51–100 employees: All waiting periods and pre-existing conditions are fully waived.
Tax Benefits for Employer & Employees
Company health insurance premiums are a tax-deductible business expense in Spain. Employees pay no IRPF income tax on the benefit — up to €500 per insured person per year. An efficient way to reward, attract and retain your team while reducing the overall cost of the benefit.
Discounts on Pymes Más Digital
One discount is available on the Pymes Más Digital plan.