Sanitas Único | Health Insurance Spain for Over 60s | No Medical Exam | From €48.10/Month
✓ No Medical Questionnaire From €48.10/Month Ages 60+ — No Upper Age Limit

Sanitas Health Insurance Spain Sanitas Único

Health insurance for the over 60s — with no health questionnaire, no upper age limit and no waiting periods on most services. Pre-existing conditions accepted. CT scans, MRI and ultrasound included. The only Sanitas plan designed specifically for those aged 60 and over.

No medical questionnaire — pre-existing conditions accepted
No upper age limit for new policyholders
CT scans, MRI & ultrasound included
First 6 services per year — free
Sanitas Mayores senior care programme
Sanitas Único — Over 60s Plan
Plans from
48.10 /month
Per person, per month. Your exact premium depends on age & province.
ProviderSanitas (Bupa)
Medical questionnaire✓ None required
CT / MRI / Ultrasound✓ Included
First 6 servicesFree — €0 copay
Minimum entry age60 years
Upper age limitNone
Hospitalisation / Surgery✗ Not included
NLV / DNV Visa✗ Not accepted
Applying for a visa? This plan is not accepted for NLV or DNV applications. For visa-compliant cover see:
No health questionnaire or medical exam
CT scans, MRI & ultrasound covered
First 6 services per year — free
Sanitas Mayores senior care programme
Home services — physio, pharmacy, podiatry
From €48.10/month — ages 60+, no upper limit
1
No questionnaire neededTell us your age and location — there's no health questionnaire to complete, no medical exam and no exclusions based on health history.
2
Get your exact priceYour premium is based on your age and province. We provide a personalised price with no obligation and can compare Único against other options.
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Cover starts immediatelyChoose your start date. Almost all cover begins from day one — only complex diagnostics (CT, MRI) have a 6-month qualifying period.
What's Covered

Sanitas Único — Full Cover Details

Único gives ages 60+ full access to the Sanitas specialist network with no medical questionnaire, plus CT/MRI diagnostics and a dedicated senior services programme. Most cover starts from day one.

⚠️ Outpatient care only — no surgery or hospitalisation: Único provides comprehensive outpatient consultations, specialist access and CT/MRI diagnostics, but does not include any surgical procedures or inpatient overnight hospital stays. If you need cover with surgery included, see Más Salud Plus (from €41.67/mo) — though note that plan requires a health questionnaire.
🎉 No medical questionnaire: Único is one of the very few health insurance plans in Spain that accepts anyone aged 60+ without any health questionnaire, medical exam or review of your health history. Pre-existing conditions do not affect your ability to take out this plan.
🩺GP & Primary Care
All primary care services are available from day one — no qualifying period applies to GP consultations and general care.
  • General medicine (GP) — unlimited consultationsFirst 6 services per year free; visits 7–15: €5 copay; from visit 16: €10 copay
  • Nursing service — at the centre and at home
  • Sanitas 24 Horas — 24/7 telephone emergency and medical advisory serviceAvailable around the clock for urgent phone advice and guidance
  • Mi Sanitas app — online appointment booking, test results, prescription requests, authorisations and insurance card download
🚨Emergencies
  • Emergency care at permanent Sanitas emergency centresCopay: €8 per emergency visit
  • Emergency video consultation — 24/7 via Blua app, no appointment neededNo copayment on video consultations
  • Round-the-clock emergency services in towns where Sanitas provides this
  • Emergency hospitalisation requiring overnight admission is not included — Único covers outpatient care only
  • Road and work accidents not covered as standardMay be available as optional add-on
👨‍⚕️Medical Specialities — All Included
ℹ️Único includes unlimited consultations across all 31 medical specialities within the Sanitas network. Simple diagnostic tests performed during the consultation are included. Copay per consultation: first 6 services free, visits 7–15: €5, from visit 16: €10.
  • Allergology, Cardiology, Dermatology, Digestive System, Endocrinology
  • Geriatrics, Gynaecology & Obstetrics, Haematology, Internal Medicine
  • Nephrology, Neurology, Neurosurgery, Oncology, Ophthalmology
  • ENT, Pneumology, Psychiatry, Radiodiagnosis, Rehabilitation
  • Rheumatology, Traumatology, Urology, Vascular Surgery and all other specialities
  • Nutrition consultations (requires specialist prescription for specific conditions)
🔬Diagnostics & Advanced Imaging — CT, MRI & Ultrasound
CT, MRI and ultrasound included: Único covers the most clinically important complex diagnostics. A 6-month qualifying period applies to these three tests — all other diagnostics are available from day one.
  • Blood and urine tests — simple and complex analytical testsAvailable from day one
  • Simple radiology (X-rays)
  • Ultrasound scans6-month qualifying period. Copay: €12.
  • CT scans (computed tomography)6-month qualifying period. Copay: €12.
  • MRI (magnetic resonance imaging)6-month qualifying period. Copay: €12.
  • High-tech diagnostics other than ultrasound, CT and MRI are not included (PET, nuclear medicine, interventional radiology etc.)

Copay on diagnostic tests and therapeutic methods: €12 per session. First 6 services per year are free.

🏋️Physiotherapy & Therapeutic Methods
  • Physiotherapy (outpatient, musculoskeletal conditions only)Requires prior authorisation. High-frequency threshold: 10 sessions per year (€20 copay applies). Beyond 10 sessions: standard diagnostic/therapeutic copay.
  • Aerosol therapyHigh-frequency threshold: 15 sessions/year
  • Home-based respiratory therapy — CPAP for sleep apnoea (30-day high-frequency threshold), BiPAP ventilation, oxygen therapy
  • Pain treatment — specialist pain management consultations
  • Pelvic floor rehabilitation programme via Blua digital health
  • Speech-language therapy sessions excludedPhoniatric consultations covered; speech therapy treatments are not
👴Sanitas Mayores — Dedicated Senior Care Programme
Unique to Único: The Sanitas Mayores programme provides personal, expert support tailored to the specific health and care needs of people aged 60 and over — going well beyond standard medical cover.
  • Personal care plan managed by a dedicated health advisor specialised in senior careRegular personalised follow-up via phone, chat and video — no call limits
  • Professional guidance on selecting home care services (home nursing, carers, care options)
  • Telephone advice on dependency financial aid and state benefits available in Spain
  • Discounts on Sanitas Mayores care homes and day centres across Spain
  • Senior telephone helpline — available Monday–Friday 9am–10pm, Saturday 9am–4pm
🏠Home Services for Seniors
ℹ️The home services benefit activates when you are hospitalised for more than 48 hours or housebound due to illness or accident (requiring a medical certificate of 5+ days). Services are arranged and paid for by Sanitas.
  • Home assistant — help with daily tasks, personal hygiene, meals, shopping, laundry, cleaningUp to 30 hours per year. Minimum 2 continuous hours per session.
  • Pharmacy delivery — medication delivered to your home3 services per year. Delivery within 3 hours of notification.
  • Physiotherapy at home — prescribed sessions delivered at your home or workplaceUp to 5 one-hour sessions per year
  • Podiatry at home — chiropody sessions at your home
  • Hairdresser at home — up to 3 visits per year when housebound
  • Accompaniment to medical appointments — return taxi arranged within 20km of home
  • Accompaniment during hospital stay — specialist overnight companion for up to 5 nights per year (8 hours per night)
  • Pet care in boarding kennels (cats and dogs) — when you are hospitalised or housebound
  • Home blood test collection — laboratory visits to collect samples100% reimbursement up to €260/year per insured. 2 services per year.
🧠Psychology — Up to 15 Sessions/Year
  • Up to 15 individual psychology sessions per insured, per yearMust be prescribed by a Sanitas Psychiatrist, General Practitioner or Oncologist. Copay: €12 per session (or free if within first 6 services).
  • Psychometric tests covered as part of the psychology benefit
  • Digital psychology programme via Blua — "Take care of your mind" — 8 categories of emotional wellbeing support including active ageing, brain training, stress management, disease management and senior-specific programmes
  • Psychoanalysis, hypnosis, narcoanalysis, animal-assisted therapy excluded
🦶Podiatry & Other Services
  • Podiatry (chiropody only) — up to 12 sessions per insured, per yearCovers removal of calluses and toenail alterations by a registered chiropodist. Copay: €3 per session.
  • Pain treatment — specialist pain management consultations
  • Allergology — full IgE determination including recombinant allergens
🦷Dental — Basic Cover
ℹ️Único includes a basic dental benefit covering the most common consultations and treatments. This is not a full dental plan — cosmetic and restorative work is not included.
  • Dental consultations
  • Scale and polish (carried out in the dental consultation room only)
  • Wound treatment in dental context
  • Tooth extractions
  • Cosmetic dental work, implants, prostheses, orthodontics not included
  • Dentistry for functional issues (pre-implant, prosthetics) not included

Dental copay: €3 per visit.

📱Blua Digital Health — Mi Sanitas App
📲Blua is Sanitas's full digital health platform — included with Único. All video consultations are free of charge with no copayment. Health programmes are specifically tailored for the over-60s.
  • Video consultation — GP and all available specialtiesFree — no copayment applies to video consultations
  • Emergency video consultation — 24/7, no appointment needed
  • Digital consultation today — same-day access to doctors across 10 specialties
  • Senior health programmes — nutrition, psychology, brain training (mental gym), healthy ageing, disease management, pelvic floor, personal trainer & physiotherapy
  • "Check your health" — self-assessment, vital sign measurement and wellbeing monitoring
  • "Take care of your mind" — digital mental health programme
  • Book appointments, access test results, download insurance card — Mi Sanitas app
💳Copayments — Full Schedule
🛡️Your first 6 services of the year are completely free. Copayments only begin from your 7th service. Video consultations are always free and do not count towards the service threshold.
ServiceCopayment
First 6 services of the year (any type)Free — €0
Consultations (visits 7–15 per year)€5
Consultations (from visit 16 onwards)€10
Diagnostic tests & therapeutic methods€12
Emergency visits€8
Podiatry (chiropody) sessions€3
Dental visits€3
High-frequency services
Physiotherapy (from 11th session), ventilotherapy (from 16th session), oxygen therapy (BPAP/CPAP from day 31; aerosol from day 16)
€20
Video consultations (all types)Free — €0

Copayments are paid directly to Sanitas at the point of service. Unlike some other plans, Único does not have a stated annual copay cap — please factor this into your planning if you use the plan frequently.

What's Not Covered — Key Exclusions
⚠️Único is an outpatient-only plan. It covers consultations, diagnostics and non-surgical therapies but does not include surgery or hospitalisation.
  • Any surgical procedures — outpatient, day-case or inpatient
  • Inpatient hospitalisation — overnight hospital stays
  • High-tech complex diagnostics other than ultrasound, CT and MRI
  • Road traffic accident and work accident cover
  • Preventive health check-ups and medical screenings
  • International emergency cover outside Spain
  • Maternity / childbirth
  • Speech-language therapy sessions
  • Treatment available through the Spanish public health system
  • Cosmetic or aesthetic treatments
  • Prostheses, implants, orthopaedic and osteosynthesis material
  • Alternative medicine, acupuncture, homeopathy, chiropractic
Sanitas

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer. Único members have full access to 4,500 medical centres across Spain, with no medical questionnaire required to join at any age from 60.

58,000+ Healthcare Professionals Doctors, specialists & nurses
4,500+ Medical Centres Across Spain
60+ Minimum Entry Age No upper age limit
6 Free Services Per Year Zero copay on first 6
Plan Scope

What Único Covers — and What It Doesn't

Único is an outpatient consultation plan for the over 60s. It covers all specialist consultations, CT/MRI diagnostics and comprehensive senior services — but does not cover surgery or hospitalisation.

✓ Included in Único
  • GP, nursing, Sanitas 24H telephone helpline
  • All 31 medical specialities — unlimited consultations
  • CT scans, MRI & ultrasound (6-month qualifying period)
  • All simple diagnostic tests — from day one
  • Physiotherapy (outpatient, musculoskeletal)
  • Basic dental — consultations, extractions, scale & polish
  • Psychology — up to 15 sessions/year
  • Podiatry (chiropody) — up to 12 sessions/year
  • CPAP & home respiratory therapy
  • Emergency visits
  • Sanitas Mayores senior care programme
  • Full home services (physio, pharmacy, assistant, hairdresser)
  • Blua app — video consultations (free), senior digital programmes
  • First 6 services per year — zero copay
  • No medical questionnaire — pre-existing conditions accepted
✗ Not included in Único
  • Any surgical procedures (outpatient, day-case or inpatient)
  • Inpatient hospitalisation (overnight stays)
  • High-tech diagnostics beyond CT, MRI & ultrasound
  • Road and work accident cover
  • Preventive medical check-ups
  • International emergency cover abroad
  • Speech-language therapy sessions
  • Prostheses, implants, orthopaedic material
  • NLV / DNV visa compliance
Need surgery or hospitalisation cover? Más Salud Plus (from €41.67/mo) includes full hospitalisation and surgery — though a health questionnaire applies.
Compare Plans

Other Plans to Consider

Único is the only Sanitas plan designed specifically for ages 60+ with no questionnaire. Use the filters below to compare all available options.

Sanitas Accede
From€22.10/mo
With CopayNo Waiting Periods
  • No waiting periods — from day one
  • All specialities, unlimited consultations
  • Annual copay cap €290
  • Video consultations free
  • No surgery or CT/MRI
Sanitas Avanza
From€33.60/mo
With CopaySurgery Included
  • 400+ outpatient surgical procedures
  • CT scans & MRI included
  • First 6 services free
  • Annual copay cap €350
  • No inpatient hospitalisation
This Plan
Sanitas Único
From€48.10/mo
Ages 60+No Questionnaire
  • No medical questionnaire required
  • CT scans, MRI & ultrasound included
  • Sanitas Mayores senior programme
  • First 6 services free
  • No surgery or hospitalisation
Más Salud Plus
From€41.67/mo
With CopayFull Hospital
  • Full hospitalisation & surgery included
  • Small copay per visit
  • Full Sanitas network
  • Blua digital health
  • Health questionnaire required
Top Quantum
From€57.96/mo
No Copay80% Reimbursement
  • Zero copayments on network
  • 80% outside-network reimbursement
  • Unlimited consultations
  • Emergency abroad €15,000
  • Not for NLV / DNV visa
Más 90.000 Sin Copago
From€71.15/mo
No Copay70% Reimbursement
  • Zero copayments
  • 70% off-network reimbursement
  • Annual limit €90,000
  • Full Sanitas network
  • Not for NLV / DNV visa
Más Salud sin Copay
From€59.90/mo
No CopayMost Popular
  • Zero copayments
  • Full Sanitas network
  • Blua digital health
  • Hospitalisation included
  • Not for NLV / DNV visa
Sanitas Residents
From€67.76/mo
NLV ✓DNV ✓No Copay
  • Accepted for NLV & DNV visa
  • No annual coverage cap
  • Zero copayments
  • Same-day certificate available
  • English-speaking service
Residents Platinum
From€107.23/mo
NLV ✓DNV ✓Premium
  • Accepted for NLV & DNV visa
  • No annual coverage cap
  • International cover worldwide
  • Repatriation included
  • Blua digital health included
Autónomo
Profesionales
From€78.20/mo
No CopayFlat Rate
  • Flat rate — price doesn't rise with age
  • Zero copayments
  • Full Sanitas network
  • Tax-deductible for autónomos
  • Hospitalisation & surgery included

Prices shown are "from" prices. Your exact premium depends on your age and province.

Not sure which plan suits you? Get a free comparison quote →

Common Questions

Frequently Asked Questions

Questions about Sanitas Único? We've answered the most common ones below.

No — this is the single most important feature of Sanitas Único. There is no health questionnaire, no medical examination and no review of your health history. Anyone aged 60 or over can take out this plan, regardless of their current health status or any pre-existing conditions. This makes Único one of the very few health insurance plans in Spain that is genuinely open-access for the over-60s.
Because Único does not use a health questionnaire, pre-existing conditions are not screened out or excluded at the point of application. You do not need to declare your medical history when signing up. This is a key advantage for people aged 60+ who may have conditions such as diabetes, heart disease, high blood pressure or other chronic health issues that would make it difficult to obtain cover elsewhere. However, please note that standard policy exclusions still apply — Sanitas still excludes certain categories of treatment regardless of cause (e.g. surgery, hospitalisation, cosmetic procedures).
Único provides comprehensive outpatient healthcare for the over 60s including: GP consultations, all medical specialities (unlimited), simple and complex diagnostics (including CT scans, MRI and ultrasound), simple therapeutic methods, physiotherapy, basic dental, psychology (up to 15 sessions/year), podiatry, emergency care, the Sanitas 24H telephone helpline, the Blua digital health platform and the Sanitas Mayores senior support programme. It also includes home services when you are housebound or hospitalised, such as pharmacy delivery, home assistant, physiotherapy at home, hairdresser and accompaniment to medical appointments. It does not include surgery or inpatient hospitalisation.
No — Único explicitly excludes all surgical procedures and all forms of inpatient hospitalisation. It covers outpatient consultations and diagnostics only. If you need a plan that includes surgery and hospital admissions, the closest option would be Más Salud Plus (from €41.67/month) — though that plan requires a health questionnaire. Our advisors can help you compare the options depending on your situation and health history.
Sanitas Mayores is a dedicated senior care programme unique to Único. It provides each insured with a personal health advisor who specialises in the care of people aged 60 and over. The advisor creates an individualised care plan and is available by phone, chat and video call with no call limit restrictions, Monday to Friday 9am–10pm and Saturday 9am–4pm. The programme also includes guidance on selecting home care services, telephone advice on dependency financial aid available from the Spanish state, and discounts on Sanitas Mayores care homes and day centres across Spain. It is a proactive wellbeing service, not a reactive medical one.
The home services benefit activates when you are hospitalised for more than 48 hours or housebound due to illness (with a medical certificate for 5+ days). Services covered include: a home assistant for up to 30 hours per year (help with hygiene, meals, cleaning, shopping, laundry), pharmacy delivery (3 services/year, within 3 hours), physiotherapy at home (5 sessions/year), podiatry at home, hairdresser at home (3 visits/year), accompaniment to medical appointments by taxi (within 20km), overnight hospital companion (up to 5 nights/year, 8 hours per night) and pet care in boarding kennels. A home blood test collection service is also included, with 100% reimbursement up to €260 per year.
Almost all cover on Único starts from day one — there are no waiting periods for GP consultations, specialist visits, simple diagnostics, emergencies, dental, psychology or podiatry. The only qualifying period is 6 months for complex diagnostic tests (CT scans, MRI and ultrasound). After 6 months, these are fully covered. If you need CT or MRI access immediately, please discuss this with our advisors — there may be alternative options.
Único is ideal for people aged 60 or over who want comprehensive private healthcare with no medical exam or questionnaire. It works particularly well for those who have been declined by other insurers, who have existing health conditions, or who simply want the reassurance of fast access to specialists, advanced imaging and a dedicated senior support programme. It is not suitable for people who expect to need surgery or overnight hospitalisation, for visa applications, or for those under 60. If you want to discuss whether Único is the right fit or compare it with a plan that includes surgery cover, our advisors can help.
No. Único is not accepted for NLV or DNV visa applications. Spanish consulates require health insurance with no annual coverage limit and no co-payments, and Único has both. For visa-compliant cover we recommend Sanitas Residents (from €67.76/mo) or Sanitas Residents Platinum (from €107.23/mo), both of which meet the Spanish consulate requirements for NLV and DNV applications.
Official Documents

Download Policy Documents

Official Sanitas documentation for Único — all in English.

📄
Product Summary
A concise overview of Único — key benefits, copayment schedule, cover scope, qualifying periods and plan features at a glance.
↓ Download PDF
📋
General Terms & Conditions
The complete policy wording — full details of all benefits, exclusions, copayments, qualifying periods and claims procedures for Único.
↓ Download PDF
💬
Speak to a Specialist
Not sure if Único is the right fit? Our English-speaking advisors can compare all Sanitas plans and help you find the best option for your situation and budget.
Get a Free Quote →

Get Your Personalised Único Quote

Tell us your age and situation and we'll send you an exact price for Sanitas Único. No health questionnaire, no obligation, no hard sell. Our English-speaking advisors can also compare Único with other plans if you need surgery or hospital cover.

  • No medical questionnaire needed
  • Exact price based on your age & province
  • Cover starts on the date you choose
  • CT, MRI & ultrasound covered
  • English-speaking advisors
  • Same-day response

Request a Quote — Sanitas Único

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About Sanitas — Part of Bupa Since 1989

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 →

2.9M+Insured in Spain
70+Years experience
4,500+Medical centres
58,000+Professionals