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Sanitas Top Quantum | No Copay Health Insurance Spain | From €57.96/Month
✓ No Copayments From €57.96/Month Ages 0–75

Sanitas Health Insurance Spain Sanitas Top Quantum

Comprehensive no-copay health insurance combining full access to the Sanitas network, 20 sessions of psychology, an extensive preventive medicine programme, family reimbursement up to €10,000, and Blua digital health — all accepted up to age 75.

No copayments at any visit
20 psychology sessions/year
Family reimbursement €10,000
Ages 0–75
Blua digital health included
Get a Free Quote → View Full Coverage
Sanitas Top Quantum
Plans from
€ 57.96 /month
Per person, per month. Your exact premium depends on age & province.
ProviderSanitas (Bupa)
CopaymentsNone — €0
ConsultationsUnlimited, all specialities
Outside-network80% reimbursed, up to €10k
Emergency abroadUp to €15,000
Dental included✓ Included
Blua digital health✓ Included
Max entry age75 years
NLV / DNV Visa✗ Not accepted
Applying for a visa? This plan is not accepted for NLV or DNV applications. Take a look at:
✓Zero copayments on network
✓Unlimited GP & specialist consultations
✓80% reimbursement outside Sanitas network
✓Emergency cover abroad up to €15,000
✓Dental + Blua digital health included
✓Ages 0–75 accepted
1
Choose your planTell us your situation — we'll confirm whether Top Quantum is the right fit or suggest the best alternative for your needs.
2
Get your quoteTell us your age, province and how many people need cover. We provide a personalised price with no obligation.
3
Start your policyChoose your start date. Pay by international card and receive your Mi Sanitas app access the same day.
What's Covered

Full Cover Breakdown

All Sanitas network services have zero copayments. Click each section to expand the full detail. Top Quantum also includes family reimbursement up to €10,000/year for selected specialties outside the network.

👨‍⚕️General Medicine & Specialists▼
✓All consultations within the Sanitas network are covered in full — no copayment, no out-of-pocket cost at the point of care.
  • ✓
    General medicine (GP) — unlimited consultations at Sanitas health centresNo copayment, no referral needed for most specialties
  • ✓
    All medical specialties — paediatrics, cardiology, dermatology, gynaecology, orthopaedics, neurology, oncology, urology, ENT, ophthalmology and more
  • ✓
    24-hour emergency care & A&E visitsZero copayment, covered from day one
  • ✓
    Sanitas 24 Hours — telephone medical advice, prescription queries and test interpretation, 24/7, 365 days
  • ✓
    Home medical visits when illness prevents attending the clinic
  • ✓
    International second medical opinion — for serious or complex diagnoses
  • ✓
    Nursing service at the health centre and at home
  • ✓
    Podiatry — chiropody services
  • ✓
    Road and work accident cover included
🔬Diagnostics & Therapeutic Methods▼
  • ✓
    Simple diagnostic tests — blood panels, urine analysis, ECG, X-raysCovered from day one, no copayment
  • ✓
    High-tech diagnostics — CT scan, MRI, PET, nuclear medicine6-month waiting period applies
  • ✓
    Anatomic pathology and clinical analysis including specific genetic studies (with prior authorisation)
  • ✓
    Simple therapeutic methods — rehabilitation, aerosol therapy, physiotherapy (up to 30 sessions/year)
  • ✓
    Complex therapeutic methods — advanced radiotherapy, laser treatments6-month waiting period applies
  • ✓
    Home-based respiratory therapy — oxygen therapy (up to 30 sessions/year)
  • ✓
    Speech and phoniatric therapy
🏥Hospital & Surgery▼
  • ✓
    Full hospitalisation at Sanitas hospitals and partner clinics — individual room with extra bed for companion
  • ✓
    All surgical procedures — from minor outpatient surgery to complex multi-specialty operations
  • ✓
    Operating theatre, anaesthesia, post-operative care and medications
  • ✓
    ICU and intensive care when required
  • ✓
    Ambulance transfers arranged by Sanitas
  • ✓
    Cardiac surgery, neurosurgery, oncology surgery, orthopaedics, reconstructive surgery and more
  • Minor surgery (Groups 0–II): 8-month wait. Major surgery and hospitalisation (Groups III–VIII): 8-month wait. Emergency admissions: no waiting period.
🧠Psychology — 20 Sessions Included▼
💡Top Quantum includes 20 psychology sessions per year — one of the most generous mental health allowances in the Sanitas range. Sessions are prescribed by a specialist and covered in full within the network.
  • ✓
    20 individual psychology sessions per insured per yearPrescribed by a Sanitas psychiatrist, paediatrician, family health advisor or oncologist
  • ✓
    Covers behavioural disorders, eating disorders, sleep disorders, adaptation difficulties and learning disorders
  • ✓
    Clinical psychology under outpatient care — up to one session per week
  • ✓
    Psychiatry — inpatient and outpatient psychiatric care
  • ✓
    Digital mental health support via Blua — "Take care of your mind" programme, in addition to the face-to-face sessions
  • ✗
    Psychoanalysis, hypnosis, narcoanalysis and animal-assisted therapy are excluded
  • 3-month waiting period applies to psychology sessions.
🤰Maternity, Newborn & Women's Health▼
  • ✓
    Full obstetric and gynaecological care — consultations, ultrasounds, prenatal monitoring
  • ✓
    Childbirth and caesarean section8-month waiting period (premature birth before 37 weeks: no wait)
  • ✓
    Neonatal care and ICU for premature babies
  • ✓
    Mother and Baby programme — midwifery nursing, postnatal support
  • ✓
    Breast surgery (reconstructive and oncological)
  • ✓
    Gynaecological cancer prevention — annual check-up, mammogram, cytology
  • ✓
    Family planning — IUD fitting, vasectomy, tubal ligation, fertility diagnostic tests6-month waiting period for vasectomy/tubal ligation
🩺Preventive Medicine & Health Checks▼
📋Top Quantum includes one of the most comprehensive preventive medicine programmes in the Sanitas range — regular health checks across multiple specialties at no extra cost.
  • ✓
    Adult full medical check-up — every 5 years (ages 20–39) or every 3 years (ages 40+)
  • ✓
    Annual gynaecological check-up — ultrasound, cytology, mammogram if needed
  • ✓
    Annual urology check-up — PSA, renal & prostate ultrasound; coronary risk prevention (45+)
  • ✓
    Annual cardiology check-up — ECG, stress test, echocardiogram if needed; coronary risk prevention (45+)
  • ✓
    Paediatric health checks at key stages (3, 5, 7, 15 & 18 months; ages 3, 6, 11, 14)
  • ✓
    Newborn screening — heel prick, hearing, visual acuity, neonatal ultrasound
  • ✓
    Childhood immunisation schedule
  • ✓
    Ophthalmology — annual visual acuity check and glaucoma prevention
  • ✓
    Annual dental scale and polish
  • ✓
    Colorectal cancer prevention — colonoscopy programme (45+)
  • ✓
    Diabetes prevention and diabetic monitoring
🦷Dental Cover▼
  • ✓
    Annual dental scale and polish included within the preventive medicine programme
  • ✓
    Dental services at Sanitas-appointed dental clinics — specific covered benefits detailed in your Insured Dental Benefits document
  • ✓
    Emergency dental treatment abroad — up to €60.10 (within the emergency abroad benefit)
  • ✗
    Cosmetic reconstructions, implants and prostheses not covered as standard
✈️International Emergency Cover▼
🌍Top Quantum covers emergency medical care anywhere in the world for trips up to 90 days — up to €15,000 per person per year.
  • ✓
    Emergency medical expenses abroad — up to €15,000 per insured per yearUnexpected illness or accident outside Spain
  • ✓
    Valid for trips of up to 90 days outside Spain
  • ✓
    Covers doctor fees, prescribed medication, hospitalisation and local ambulances
  • ✓
    Emergency dental treatment abroad — up to €60.10
  • ✓
    Extended hotel stay due to illness — up to €60.10/day for up to 10 days
  • ✓
    Medical transfer and repatriation coordinated by Sanitas
  • ✓
    24-hour emergency video consultation via Blua — available anywhere in the world
📱Blua Digital Health — Mi Sanitas App▼
📲Blua is Sanitas's full digital health platform — included with Top Quantum. Access your cover, book appointments and see a doctor from your phone, 24 hours a day.
  • ✓
    Video consultation — GP and all available specialties by video appointment
  • ✓
    Emergency video consultation — 24/7 general and paediatric care, available worldwide
  • ✓
    Digital consultation today — same-day access to doctors across 10 specialties
  • ✓
    Check your health — self-assessment and health tracking tools
  • ✓
    Digital physiotherapy — guided exercise and rehabilitation programmes
  • ✓
    Take care of your mind — digital mental health support programme
  • ✓
    Vital sign measurement and personalised health programmes
  • ✓
    Book appointments, access test results, download your insurance card — all in the Mi Sanitas app
  • ✓
    Access from Spain or abroad — ideal for travellers and expats
  • ✓
    Personalised monitoring with a dedicated digital health advisor
💶Family Reimbursement — Off-Network Care▼
ℹ️Top Quantum includes family reimbursement up to €10,000/year for care in the specialties most used by families — GP, paediatrics, and gynaecology/obstetrics. A 20% excess applies to reimbursable bills. The €10,000 limit can also be optionally increased via premium supplements.
  • ✓
    Reimbursement up to €10,000/year for off-network private careThis limit can be optionally increased through premium supplements — ask us for details
  • ✓
    Covered specialties: General Practice, Paediatrics, Gynaecology & Obstetrics
  • ✓
    Hospital reimbursement includes surgical doctor fees (gynaecology and paediatrics) plus hospitalisation costs
  • ✓
    Homeopathy, acupuncture, osteopathy and chiropractic accessible via reimbursement when provided by registered doctors
  • A 20% excess applies to all reimbursement claims. Sub-limits per specialty are in your Individual Terms and Conditions. Submit claims online at www.irisglobal.es with original bills and full medical reports.
⚠️What's Not Covered▼
  • ✗
    Pre-existing conditions not declared when taking out the policy
  • ✗
    Care related to wars, terrorism, officially declared epidemics or nuclear/radioactive events
  • ✗
    Extreme sports injuries — aerial activities, scuba diving, off-piste skiing, paragliding, bungee jumping and similar
  • ✗
    Treatment in Social Security or NHS centres
  • ✗
    Alternative medicine not recognised by Spanish law — naturopathy, mesotherapy, ozone therapy
  • ✗
    Chronic alcoholism, drug addiction, self-harm or accidents due to gross negligence
  • ✗
    Experimental treatments not in standard clinical practice
  • ✗
    Psychoanalysis, hypnosis and narcoanalysis
  • ✗
    Cosmetic dental treatments — prostheses and implants (except emergency dental abroad)
  • ✗
    Hospitalisation for social reasons
Top Quantum — Plan Summary
ProviderSanitas (Bupa)
CopaymentsNone — €0
Psychology20 sessions/yr
Family reimb.Up to €10,000
Emergency abroad€15,000
DentalIncluded
Max entry age75 years
Visa cover✗ Not valid
From
€57.96/mo
Age & province dependent
Get My Quote → View Full Coverage
Sanitas

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Top Quantum members direct access to the largest medical network in the country.

58,000+ Healthcare Professionals Doctors, specialists & nurses
4,500+ Medical Centres Clinics, hospitals & labs
20 Psychology Sessions Included per year
€0 Copayments Zero at every network visit
Before You Claim

Waiting Periods

Most services are available from day one. A small number of planned procedures have waiting periods — here is a clear summary.

Immediate
  • GP and all specialist consultations
  • A&E and 24-hour emergencies
  • Simple diagnostic tests (blood, X-ray)
  • Nursing and physiotherapy (simple)
  • Preventive medicine check-ups
  • Road and work accident cover
  • Emergency abroad (€15,000)
3 Months
  • Psychology (20 sessions/year)
6 Months
  • High-tech diagnostics (CT, MRI, PET)
  • Complex therapeutic methods
  • Vasectomy and tubal ligation
8 Months
  • Outpatient surgery (Groups 0–II)
  • Childbirth / caesarean section
  • Hospitalisation + surgery (Groups III–VIII)

Premature birth (before 37 weeks): no waiting period applies.

Waiting periods do not apply to life-threatening conditions, emergencies or unexpected illnesses diagnosed after your cover start date. All waiting periods run from your policy start date.
Compare Plans

Other Plans to Consider

Top Quantum is one of several Sanitas plans available in Spain. Use the filters to find the right plan for your situation.

This Plan
Top Quantum
From€57.96/mo
No Copay20 Psychology Sessions
  • ✓Zero copayments on network
  • ✓20 psychology sessions/year
  • ✓Family reimbursement €10,000
  • ✓Emergency abroad €15,000
  • ✗Not for NLV / DNV visa
Back to Top Get Quote
Premium 500,000
From€94.00/mo
No Copay€500k Worldwide
  • ✓Zero copayments
  • ✓€500,000 worldwide reimbursement
  • ✓Full Sanitas network
  • ✓International cover
  • ✗Not for NLV / DNV visa
View Plan Get Quote
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
View Plan Get Quote
Más Salud sin Copay
From€59.90/mo
No CopayMost Popular
  • ✓Zero copayments
  • ✓Full Sanitas network
  • ✓Blua digital health
  • ✓Comprehensive cover
  • ✗Not for NLV / DNV visa
View Plan Get Quote
Más Salud Familias
From€50.79/mo
No CopayFamily Plan
  • ✓Zero copayments
  • ✓Designed for families
  • ✓Full Sanitas network
  • ✓Maternity included
  • ✗Not for NLV / DNV visa
View Plan Get Quote
Más Salud Plus
From€41.67/mo
With CopayFull Network
  • ✓Full Sanitas network
  • €Small copay per visit
  • ✓Hospitalisation included
  • ✓Blua digital health
  • ✗Not for NLV / DNV visa
View Plan Get Quote
Sanitas Avanza
From€33.60/mo
With CopayBudget
  • ✓Entry-level full network access
  • €Small copay per consultation
  • ✓Hospitalisation included
  • ✓Good for over 60s on a budget
  • ✗Not for NLV / DNV visa
View Plan Get Quote
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
View Plan Get Quote
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
View Plan Get Quote
Over 60
Sanitas Único
From€44.40/mo
With CopayAges 60–85
  • ✓Designed for ages 60–85
  • €Small copay per visit
  • ✓Full Sanitas medical network
  • ✓Hospitalisation & surgery included
  • ✗Not for visa applications
View Plan Get Quote
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
View Plan Get Quote
Autónomo
Profesionales Plus
From€49.60/mo
With CopayFlat Rate
  • ✓Flat rate — price doesn't rise with age
  • €Small copay per consultation
  • ✓Full Sanitas network
  • ✓Tax-deductible for autónomos
  • ✓Hospitalisation & surgery included
View Plan Get Quote
Autónomo
Profesionales Óptima
From€37.60/mo
With CopayBest Value
  • ✓Lowest-cost autónomo plan
  • €Copay per consultation
  • ✓Full Sanitas network
  • ✓Tax-deductible for autónomos
  • ✓Hospitalisation included
View Plan Get Quote

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 →

Discounts

Discounts on Sanitas Top Quantum

Two discounts are available on the Sanitas Top Quantum plan.

4%
Payment Method
Annual Payment
4% discount for paying your annual premium in a single upfront payment. Monthly and quarterly payment carry no discount.
10%
Family Discount
4 or More Insured
10% discount when 4 or more people are insured on the same policy. Both the annual payment and family discounts can apply together.
Common Questions

Frequently Asked Questions

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

Top Quantum combines zero copayments on the full Sanitas network with 20 psychology sessions per year, an extensive preventive medicine programme, and a family reimbursement benefit of up to €10,000 for GP, paediatrics, and gynaecology services outside the network. It accepts new members up to age 75 — making it one of the most accessible no-copay plans in the Sanitas range.
If you use a private doctor outside the Sanitas network for GP, paediatric or gynaecology/obstetrics care, you pay upfront then claim back from Sanitas. A 20% excess applies — Sanitas reimburses 80% of eligible costs up to a combined annual limit of €10,000. Submit claims online at www.irisglobal.es with original bills and a full medical report. Sub-limits per specialty are set out in your Individual Terms and Conditions.
No. Spanish consulates require health insurance with no annual coverage cap for NLV and DNV applications. Top Quantum's family reimbursement has a €10,000 annual limit, which does not meet this requirement. For visa-approved insurance we recommend Sanitas Residents or Sanitas Residents Platinum, both of which are accepted for NLV and DNV applications.
No — a 3-month waiting period applies before psychology sessions can be accessed. Once this has elapsed, you can use up to 20 individual sessions per year, prescribed by a Sanitas specialist. Sessions are limited to one per week. The digital "Take care of your mind" programme via Blua is available from day one, in addition to the face-to-face sessions.
Yes. Top Quantum includes international emergency cover of up to €15,000 per person per year for trips of up to 90 days outside Spain. This covers unexpected illness or accident abroad — including doctor fees, hospitalisation, medication and local ambulances. Emergency dental treatment abroad is covered up to €60.10. The Blua app provides 24-hour emergency video consultation from anywhere in the world.
Top Quantum includes one of the most comprehensive preventive programmes in the Sanitas range: annual gynaecological check-up with mammogram, annual urology check-up with PSA, cardiology check-up with ECG and stress test, annual ophthalmology check-up, adult full medical check-up every 3–5 years, complete paediatric health monitoring from birth to age 14, and annual dental scale and polish. All at no extra cost within the Sanitas network.
Yes — Top Quantum accepts new applicants up to age 75, which is one of the highest entry ages across the Sanitas no-copay range. Once on the policy you can remain insured beyond 75. This makes it a strong choice for retirees and over-60s who want zero copayments, 20 psychology sessions, and a comprehensive preventive medicine programme.
You choose your own start date. GP, emergencies, specialists and preventive checks are available from day one. Psychology has a 3-month waiting period; high-tech diagnostics and complex therapeutic methods have a 6-month wait; elective surgery and childbirth have an 8-month wait. Emergency care is covered immediately with no waiting period, regardless of circumstances.
Official Documents

Download Policy Documents

Official Sanitas documentation for Top Quantum — all in English.

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

Get Your Personalised Top Quantum Quote

Tell us about your situation and we'll send you an exact price for Sanitas Top Quantum — or suggest the best alternative if there's a better fit. No obligation, no hard sell.

  • Exact price based on your age & province
  • Cover starts on the date you choose
  • English-speaking advisors
  • All Sanitas plans compared
  • Same-day response

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