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Corporate Health Insurance Spain | Sanitas Group Plans for Businesses
Business Solutions Tax Deductible Visa-Approved Plans Available

Sanitas Health Insurance Spain Corporate Health Insurance for Spanish Businesses

Sanitas group plans provide comprehensive employee healthcare with tax advantages and legal compliance — for startups, SMEs and large enterprises. English support included.

Deductible staff expense — confirm with your accountant
English-speaking support for expat staff
Visa-approved plans for NLV & DNV
No waiting periods — cover from day one
Blua telemedicine app included
Request a Business Quote → Explore Plans
Sanitas Corporate Plans
Group pricing from
€ Get a Quote
Pricing depends on company size, plan tier, and employee ages. Group rates available from 2+ employees.
ProviderSanitas (Bupa)
Tax deductible✓ Normally deductible
English support✓ Blua app + helpline
NLV / DNV visa plans✓ Available
No waiting periods✓ Cover from day one
✓No waiting periods — cover from day one
✓Fully tax-deductible for the business
✓Visa-approved plans for NLV & DNV
✓English-speaking doctors via Blua app
✓Family coverage add-on available
✓58,000+ healthcare professionals across Spain
1
Tell us about your business Share your company size, employee profile, and any visa or coverage requirements. We'll identify the right plan tier.
2
Receive a group quote We provide a personalised group pricing proposal with no obligation — typically within 24 hours.
3
Enrol your team Sanitas handles all administration and setup. Employees receive Mi Sanitas app access and cover begins from day one.
Employer Benefits

Why Offer Corporate Health Insurance?

Providing health coverage is more than a benefit — it's an investment in your employees and your business. Sanitas makes it simple, affordable, and legally compliant.

👥

Attract Talent

Health benefits are a top recruitment factor in Spain. Offer competitive coverage to attract and retain the best employees.

💼

Tax Deductible

Health insurance for your staff is normally treated as a deductible staff expense for corporate tax, provided it is a genuine employment-related cost (LIS art. 15.e)). Your accountant should confirm the treatment for your company.

📊

Productivity

Healthier employees take fewer sick days. Better health coverage means more engagement, lower absenteeism, and higher output.

⚖️

Legal Compliance

Many Spanish collective bargaining agreements require health coverage. Sanitas plans meet all convenio and statutory obligations.

Sanitas

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — trusted by thousands of companies to protect their employees.

58,000+ Healthcare Professionals Doctors, specialists & nurses
4,500+ Medical Centres Clinics & diagnostic labs
Zero Waiting Periods Cover active from day one
Since 1954 Established Part of the Bupa Group
Financial Advantages

Tax Benefits of Corporate Health Insurance in Spain

Offering health insurance to employees is one of the most tax-efficient benefits a Spanish business can provide — for both the company and its staff.

📝
Business expense deduction: Corporate health insurance premiums are normally deductible as a staff expense, reducing your company's taxable profits — subject to the conditions in LIS art. 15.e) and confirmation by your accountant.
💰
Employee tax treatment: Premiums paid by the employer are exempt as a benefit in kind up to €500 per covered person per year (€1,500 where the person has a disability), under LIRPF art. 42.3.c). Premiums above that limit are taxable as a benefit in kind. The limit applies per covered person, regardless of salary.
⚖️
Collective bargaining: Where your convenio colectivo requires health cover, a corporate plan can help you meet that obligation. Social security and payroll treatment of the premium depends on the amount and on your circumstances — your payroll adviser should confirm it.

Legal Requirements

  • Convenio obligations: Many Spanish industries have collective bargaining agreements that require health insurance for employees. Sanitas plans automatically comply with these requirements.
  • Statutory compliance: Plans align with Spanish labour law requirements for employer-provided benefits and non-discrimination rules.
  • Documentation: Sanitas provides all compliance documentation, annual reporting templates, and required benefit policy wording.
Solutions by Company Size

Plans for Every Business

Whether you're a 2-person startup or a 500-person enterprise, Sanitas has a group health plan built for your scale.

1–49 Employees

Small Business Plans

Scalable solutions for startups and growing SMEs. Flexible coverage at affordable group rates — no minimum employee count required.

 50–250 Employees

SME Solutions

Mid-market health plans with expanded benefits, digital HR administration tools, and a dedicated Sanitas account manager.

 250+ Employees

Enterprise Coverage

Comprehensive group plans with custom benefit design, bespoke reporting, and dedicated account management for large workforces.

Comprehensive Solutions

What's Included in Sanitas Corporate Plans

All Sanitas corporate plans give employees access to one of Spain's largest private healthcare networks from day one — with zero waiting periods.

🏥 Healthcare Coverage

  • ✓GP, all medical specialities, paediatrics
  • ✓Hospitalisation, surgery & procedures
  • ✓Diagnostics — blood tests, X-rays, ultrasound
  • ✓Preventive care and health check-ups

🧠 Employee Wellbeing

  • ✓Psychology — up to 15 sessions/year
  • ✓Blua app — 24/7 video consultations
  • ✓Physiotherapy (outpatient, musculoskeletal)
  • ✓Basic dental — consultations & extractions

💻 Digital & Admin

  • ✓HR portal — enrolment & claims management
  • ✓Mi Sanitas employee app
  • ✓Automated billing & compliance reporting
  • ✓English-language support for international staff

➕ Additional Services

  • ✓Family coverage available as add-on
  • ✓NLV/DNV visa-approved plans for expat hires
  • ✓Direct billing at all network providers
  • ✓Repatriation cover (Residents plans)
Compare Plans

Recommended Sanitas Plans for Businesses

All plans include English support, Blua telemedicine, and access to 58,000+ healthcare professionals across Spain. Corporate group pricing available on request.

Sanitas Residents
Price Get a Quote
✓ NLV Approved ✓ DNV Approved No Copay

Our #1 expat visa plan — visa-approved, no copay, no waiting periods. English certificate issued same day. Ideal for companies hiring international staff.

  • ✓No copayments — zero out-of-pocket
  • ✓No waiting periods — cover from day 1
  • ✓Hospitalisation, surgery & all specialities
  • ✓Repatriation & Dental 21 included
  • ✓No NIE required · Credit card OK
View Plan Get a Quote
Sanitas Residents Platinum
Price Get a Quote
✓ NLV Approved No Copay Platinum Worldwide

Flagship plan for companies wanting maximum protection — worldwide cover, Dental Milenium, pharmacy included.

  • ✓No copayments — zero out-of-pocket
  • ✓Worldwide emergency & repatriation
  • ✓Dental Milenium premium included
  • ✓Pharmacy cover included
  • ✓No NIE required · Credit card OK
View Plan Get a Quote
Sanitas Accede
From 22.65 /month
With Copay Budget Option

Most affordable plan — full Sanitas network access with small copayments. Great value for larger employee groups on a budget.

  • ✓Full Sanitas doctor network
  • ✓Hospitalisation & surgery included
  • ✓Blua telemedicine in English 24/7
  • €Small copay per consultation
  • ✗Not valid for NLV / DNV visa
View Plan Get a Quote

All plans include access to Blua, Sanitas' multilingual digital health service with English-speaking doctors available 24/7. View all Sanitas plans →

Spanish Labour Law

Corporate Insurance & Legal Requirements

Spanish employment law and collective bargaining agreements create a framework within which corporate health insurance operates. Understanding these requirements ensures compliance and maximises benefits.

Collective Bargaining Obligations

Many Spanish industries have collective bargaining agreements (convenios) that require health insurance for employees. Sanitas plans automatically comply with these requirements. Our team handles all compliance documentation, ensuring your company meets obligations without legal exposure.

Statutory Employment Benefits

Separately from insurance, Spanish law does require employers to offer periodic health surveillance (vigilancia de la salud, LPRL art. 22) based on the risks inherent to the job. That is an occupational-health obligation, generally requiring the worker’s consent — it is not a requirement to buy private health insurance. A private-cover obligation, where one applies, comes from your convenio colectivo or the employment contract.

While Spanish law does not universally mandate private health insurance, many employers provide it as a competitive advantage and retention tool. Plans can be structured as executive benefits or as broad employee benefits. Sanitas documentation clarifies benefit status for tax and legal purposes.

Documentation & Reporting

Companies must document health insurance benefits in employee contracts or benefit policies. Sanitas provides compliance documentation templates and annual reporting required for deductibility claims — all delivered automatically as part of the corporate service.

Non-Discrimination Requirements

If offering health insurance, companies must offer it consistently across eligible employee groups without discrimination based on age, gender, or protected status. All Sanitas plans include standard benefits regardless of employee demographics, ensuring fair treatment across your workforce.

Getting Started

Corporate Plan Implementation & Administration

Sanitas manages all technical and administrative complexity, leaving your team to focus on employee communications and business operations.

Month 1 — Planning

  • ✓Needs assessment & employee survey
  • ✓Budget determination
  • ✓Plan comparison & quote request
  • ✓Visa compliance review if needed

Month 2 — Setup

  • ✓Plan selection & contract review
  • ✓HR portal setup
  • ✓Employee communication materials
  • ✓Enrolment period opens

Month 3 — Launch

  • ✓Coverage activation from day one
  • ✓Mi Sanitas app access for all employees
  • ✓Billing starts & ongoing support
  • ✓Compliance documentation issued

HR Portal Features

Sanitas provides a digital-first administration platform. HR teams gain real-time visibility into coverage status, claims, and workforce healthcare utilisation. Employees self-serve via the Mi Sanitas app — booking appointments, submitting claims, and accessing documents 24/7.

  • ✓Real-time employee status tracking
  • ✓Automated billing & invoicing
  • ✓Claims management dashboard
  • ✓Compliance reporting tools
Solutions by Industry

Corporate Plans for Every Sector

Different industries have different healthcare needs and employee profiles. Sanitas corporate plans adapt to your sector's specific requirements.

🖥️ Technology & Startups

High-growth companies compete intensely for talent. Young workforces value telemedicine, mental health support, and modern healthcare access. Flexible contribution models suit dynamic headcount growth. Blua app is especially popular with tech teams.

💼 Professional Services

Consulting, legal, and accounting firms compete on benefits. Senior staff expect premium plans with dental. Family coverage is important for executive retention. Plans emphasise quality and premium provider access with minimal copays.

🏭 Manufacturing & Operations

Workforces may include international and migrant workers. Hospital coverage and accident protection are priorities. Compliance with collective bargaining agreements is critical. Affordable group plans balance cost with strong coverage.

🌍 International Companies & Expat Teams

Expat workforces prioritise visa compliance and English-language support. Sanitas Residents plans are ideal. Family coverage is essential for relocation support. Multilingual Blua support and NLV/DNV-approved certificates issued same day.

Common Questions

Corporate Plans — FAQs

Common questions from HR teams and business owners about Sanitas corporate health insurance in Spain.

Group pricing is calculated monthly per employee, based on the plan tier, company size, and average employee age. Larger groups typically benefit from lower per-employee rates due to risk pooling. We provide a customised quote based on your employee demographics and coverage needs — usually within 24 hours.
Yes — most corporate arrangements offer tiered options. The company can cover a base plan, with employees having the option to upgrade and pay the difference. This flexibility increases employee satisfaction while keeping company costs predictable.
Corporate plans are designed to be flexible. New employees are added through the HR portal quickly. Departing employees can continue coverage by converting to a personal plan. Billing adjusts automatically when employees join or leave your group policy.
Yes. Most corporate plans can be extended to cover employee spouses and dependent children as an add-on. Family coverage strengthens retention — especially for relocated and expat employees who need comprehensive support for their whole household.
Blua is Sanitas' digital health app, included with all plans. It provides 24/7 video consultations with English-speaking doctors, mental health support, nutrition guidance, and wellness tools. Employees access it via the Mi Sanitas app — average wait time is under 10 minutes.
Yes. Sanitas Residents and Residents Platinum are the two plans approved by Spanish consulates for NLV and DNV visa applications. They include comprehensive coverage, English-language support, and a same-day visa compliance certificate. This is essential for companies hiring international talent requiring visa sponsorship.
Insuring a team

Arranging cover for a company or group?

If you are an employer adding private medical cover as a staff benefit, or an international company insuring employees, executives or a relocated team in Spain, we handle the whole process — scoping options, preparing a group quotation and helping with onboarding, in English. Employees who pay into Spanish Social Security keep their public healthcare; company cover is arranged alongside it for faster access, private hospitals and as a benefit.

Company / group enquiry

Tell us your headcount, locations and start date and we will come back with options and a quotation.

Start a company enquiry →

Group health insurance

How group cover works for teams in Spain, and what employees receive.

Group cover →

Small business cover

Private medical cover for smaller Spanish businesses and their staff.

Small business →

Insuring your team

What employers arrange, what employees receive, and how onboarding works.

Insuring your team →

Get a Corporate Health Insurance Quote

Tell us about your company and we'll provide a personalised group pricing proposal — usually within 24 hours. No obligation, English-speaking advisors.

  • Group pricing for 2+ employees
  • Deductible staff expense — confirm with your accountant
  • Visa-approved plans available for expat hires
  • No waiting periods on any plan
  • English-speaking advisors throughout
  • Free, no-obligation quote

Request a Business Quote

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Corporate Plans

Health Insurance for International Companies Group Health Insurance Spain Small Business Plans SME Health Insurance Sanitas Corporate Plans All Sanitas Individual Plans

Health Insurance For

Non-Lucrative Visa Digital Nomad Visa Sanitas Residents (Expat Plan) EU Residency Autónomos & Self-Employed

Get Started

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