Choose from tiered coverage options designed for corporate groups. Each level provides comprehensive healthcare with flexibility to customize for your business needs.
Three main tiers accommodate different employee needs and company budgets. All plans include core healthcare benefits with increasing levels of specialist access and premium provider options.
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Core healthcare coverage for medical essentials. Perfect for companies prioritizing basic protection with cost control.
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Most popular choice. Balanced coverage with excellent specialist access and wider provider options.
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Full-featured coverage with premium access. Complete employee health solution with minimal restrictions.
All tiers can be customized with additional coverage. Popular add-ons help you build the exact plan your employees need.
Manage employee enrollment, coverage changes, and claims through our secure online portal with real-time visibility.
Automatic compliance documentation and reporting to satisfy Spanish employment law and collective bargaining requirements.
Assigned account manager to handle enrollments, claims issues, and support requests specific to your company.
Compare plans and pricing tailored to your company size. Our business team will design the right solution.
Sanitas corporate plans are flexible and customizable. Choose coverage levels, add-ons, and benefits matching your company's needs and budget. Here's how our plan tiers work:
Essential coverage at lowest cost. Hospital, emergency, specialist consultations. Ideal for cost-conscious companies or supplementary coverage.
Most popular choice. Comprehensive coverage with reduced copayments. Balances protection and affordability for growing companies.
Maximum protection. Zero copayments, unlimited access, top specialists. For companies prioritizing employee benefits and satisfaction.
Customize coverage further. Add dental, wellness programs, psychology, physiotherapy, home services. Build the perfect plan.
Selecting a corporate health insurance plan requires balancing employee expectations, budget constraints, competitive positioning, and legal requirements. Sanitas guides companies through this decision-making process ensuring optimal choice aligned with company goals and employee needs.
Assessment Phase: Before recommending a plan tier, Sanitas conducts comprehensive needs assessment. We analyze complete company profile including employee age distribution, location within Spain, existing health risk factors, competitive landscape in your industry, and financial capabilities. This ensures recommendations are realistic, achievable, and strategically aligned with company direction.
Budget Alignment: Plans must fit budget while meeting employee expectations and competitive requirements. Basic plans minimize cost but may not satisfy modern workforce or support recruitment goals. Premium plans maximize benefits and employee satisfaction but increase monthly costs. Standard plans represent optimal balance for most growing companies, offering comprehensive coverage at reasonable cost while meeting competitive positioning needs.
Competitive Analysis: Sanitas benchmarks proposal against competitor offerings in your sector and geography. Intelligence helps position compensation competitively. We show what similar-sized companies in your industry offer, enabling data-driven decisions about coverage levels. This ensures your offer matches market expectations without overspending.
Implementation Support: Once plan is selected, Sanitas manages complete implementation. We handle employee communications, enrollment setup, HR portal configuration, compliance documentation, and staff training. Our Sanitas Exclusive Agent team ensures smooth launch with minimal disruption to operations and maximum employee satisfaction.
All Sanitas corporate plans include Blua, our multilingual digital health platform. Blua transforms healthcare from reactive treatment to proactive wellness, improving employee health outcomes and company productivity simultaneously.
English-speaking doctors available anytime. Video consultations average 10-minute wait. Prescription delivery available. Reduces need for time off for appointments. Employees feel supported across all time zones.
Psychology consultations, stress management coaching, mindfulness programs, meditation content. Mental health support increasingly critical for workforce wellbeing and retention. Reduces burnout and improves engagement.
Health coaching, fitness partnerships, nutrition guidance, preventive screenings. Company-wide challenges encouraging healthy habits. Employees adopt preventive mindset reducing future healthcare needs.
Book appointments, access medical records, submit claims, receive prescriptions. Intuitive interface increases healthcare engagement. Real-time visibility into family health and treatment progress.
Personal health records, lab result tracking, medication management. Employees maintain comprehensive health profile improving continuity of care. Easy referrals between providers.
HR teams gain insights into workforce health trends (anonymized). Identify high-risk populations needing targeted interventions. Measure ROI of wellness initiatives objectively.
Companies using Blua report 25% improvement in preventive care adoption, 40% reduction in emergency room visits, 30% faster return-to-work after illness, improved employee satisfaction scores by average 18 points, and demonstrable reduction in total healthcare costs despite higher utilization. Blua essentially shifts healthcare culture from reactive to proactive.
While our three main tiers (Essential, Professional, Comprehensive) cover most corporate needs, Sanitas understands every company is unique. Plans can be customized extensively to match specific organizational goals and employee demographics.
Most flexibility model. Company covers essential tier for all employees. Professional and Comprehensive available with employee contributions. Increases satisfaction by offering choice while controlling company costs. Employees appreciate ability to select coverage matching personal needs.
All employees covered at same tier. Simpler administration. Creates equity across organization. Commonly used by companies wanting unified benefit without complexity of multiple tiers. Works well for organizations with similar job categories and compensation levels.
Different tiers for different employee groups. Senior leadership, managers, and staff offered different coverage levels. Recognizes varying compensation and benefit expectations. Common in hierarchical organizations valuing clear differentiation.
Optional spouse and dependent child coverage available. Pricing scales by family size. Popular for expat communities and companies recruiting internationally. Family coverage strengthens retention especially for relocated employees.
Beyond core coverage, customizable add-ons include: dental (Dental 21 or Dental Milenium), vision care, physiotherapy, home healthcare services, additional mental health sessions, fitness program partnerships. Build perfect plan matching organizational needs.
Company can integrate custom wellness initiatives. Fitness partnerships, health challenges, preventive screenings. Builds health-conscious culture while leveraging Blua platform. Improves utilization and health outcomes significantly.
Leading corporate health providers offer extensive customization allowing employers to design plans matching company culture, workforce demographics, and budget constraints. Customization includes covered specialties, deductible levels, copayment structures, wellness program components, and geographic coverage areas. Flexible benefit designs accommodate companies with diverse employee needs ranging from young tech workers to mature professional employees. Tailored plans maximize employee satisfaction while controlling employer costs.
Modern corporate health plans integrate employee assistance programmes addressing mental health, stress management, substance abuse, and family counseling. EAPs provide confidential support helping employees navigate personal challenges affecting work performance. Integration with health insurance ensures employees seamlessly access these services. EAPs significantly reduce absenteeism and improve employee morale by demonstrating employer concern for wellbeing beyond physical health.
Corporate health plans typically include occupational health physicians conducting employee health screenings, vaccination programmes, ergonomic assessments, and management of work-related injuries. Occupational health physicians identify workplace health risks and recommend preventive interventions. Comprehensive occupational health programmes reduce workplace injuries, improve employee safety culture, and reduce costly workers' compensation claims.
Employers implementing comprehensive wellness programmes through health plans report significant return on investment: reduced absenteeism, lower healthcare claims, improved productivity, and enhanced employee retention. Wellness programme success is measured through participation rates, health outcome improvements, claim cost reductions, and employee satisfaction. Evidence-based programmes focusing on modifiable health risks (smoking, sedentary lifestyle, poor nutrition) deliver strongest financial returns.
Corporate health plans extend coverage to employee spouses and dependent children. Family plans typically have lower per-employee costs compared to individual coverages for each family member. Coverage for dependent children continues until specified age limits (typically 21-26 years) or if children remain economically dependent on employees. Family healthcare coordination through single health plan improves coverage continuity and tracking.
Corporate plans may include flexible spending accounts (FSAs) allowing employees to set aside pre-tax income for healthcare expenses. FSA contributions reduce taxable income, resulting in tax savings. FSAs cover copayments, deductibles, prescription drugs, and other qualified medical expenses. FSA benefits encourage healthcare cost awareness and provide employees immediate tax savings on health expenditures.
Corporate health plans implement cost containment through preferred provider networks, utilization review, and prior authorization requirements for expensive procedures. Generic medication preferencing reduces pharmacy costs. Chronic disease management programmes prevent expensive acute complications. Care coordination for employees with complex conditions improves outcomes while controlling costs. Transparent cost reporting helps employees understand health care pricing and make value-conscious healthcare decisions.
Modern corporate plans include telemedicine benefits enabling employees to consult physicians via video from home or office. Telemedicine dramatically reduces appointment wait times and eliminates travel time for busy professionals. Telemedicine visits cost substantially less than in-person appointments, reducing plan costs while improving access. Telemedicine proving especially valuable for minor acute illnesses, prescription refills, and follow-up visits.
Modern corporate plans provide comprehensive mental health coverage with psychological services, psychiatry, and crisis support parity with physical healthcare. Coverage includes therapy for depression, anxiety, bipolar disorder, and trauma. Many plans include unlimited psychiatry visits and 20-30 annual psychology sessions. Mental health parity reflects recognition that mental healthcare is essential to overall wellbeing and productivity.
Progressive corporate plans emphasize preventive care: annual wellness exams, cancer screenings, cardiovascular risk assessment, diabetes screening, and vaccination programmes. Preventive care identifies disease early when treatment is more effective and less expensive. Studies show preventive care investments reduce long-term healthcare costs through early intervention preventing costly acute complications and chronic disease progression.
Corporate health plans coordinate with leave policies ensuring employees can access necessary medical care without excessive leave depletion. Planned surgeries and medical procedures are scheduled minimizing leave requirements. Return-to-work evaluations ensure employees resume work safely after serious illness or injury. Healthcare-leave coordination optimizes employee productivity while ensuring adequate medical care.
Companies with international employees need health plans covering expatriate staff abroad and business travellers. International corporate plans ensure seamless coverage across countries, emergency medical evacuation if needed, and coordination with local healthcare systems. Expatriate coverage ensures employees maintain healthcare security regardless of international assignment location.
Corporate health plan administration includes claims processing, enrollment management, provider credentialing, and member services. Modern administration relies on digital platforms enabling employees to review benefits, submit claims electronically, and access plan information online. Streamlined administration reduces HR administrative burden while improving employee experience and satisfaction.
Health plan providers offer benchmark reporting comparing employer healthcare costs, claims patterns, and workforce health against comparable companies. Benchmarking reveals if healthcare spending is competitive or excessive, identifies high-cost areas for intervention, and supports strategic healthcare purchasing decisions. Data-driven benchmarking improves corporate healthcare strategy and cost management.
Corporate health plans must comply with Spanish healthcare regulations, employment law, data privacy requirements, and tax implications. Plan administrators ensure compliance with evolving regulations, maintain required documentation, and audit claims processing for accuracy. Regulatory compliance protects companies from penalties and employees from uncovered medical expenses.
Selecting corporate health insurance vendors requires careful evaluation of coverage options, premium costs, provider networks, claims processing efficiency, and customer service quality. Competitive bidding among vendors ensures competitive pricing and superior service. Annual vendor review ensures continued competitive positioning and quality standards.
Successful corporate health plans require employee education about coverage, how to access services, preventive care value, and health risk management. Communication programmes improve plan utilization, employee satisfaction, and health outcomes. Clear communication about benefits ensures employees understand coverage value and access available services appropriately.
How you communicate benefits matters significantly. Employees need to understand what health insurance covers, how to use it, and why company chose specific plans. Sanitas provides communication templates and support materials.
Great communication increases plan utilization. When employees understand benefits, they use healthcare preventively rather than reactively. This improves overall health outcomes and reduces long-term costs significantly.
Beyond employee wellness, Sanitas corporate plans deliver measurable financial benefits. Tax deductibility, employee retention improvements, and productivity gains create strong ROI justifying health insurance investment.
Health insurance premiums paid by companies are fully deductible business expenses under Spanish tax law. Direct reduction of taxable profits. Company paying €100,000 annually in insurance reduces taxable income by €100,000. Tax savings typically 20-25% of premium cost. Documentation automatically provided by Sanitas.
Health insurance provided by employer typically NOT considered taxable income to employees. Employees receive full benefit value without personal income tax impact. Company gains tax deduction; employees avoid tax. Win-win structure makes programs particularly attractive for talent retention.
Companies with health benefits experience 15-25% lower turnover. Turnover cost (recruitment, training, lost productivity) averages 50-200% of salary. Retaining key employees through health insurance often saves more than insurance cost. ROI frequently exceeds 200%.
Healthier, less stressed employees more productive. Fewer sick days (average 1.5 days annually). Reduced presenteeism (coming to work while sick/unwell). Measurable productivity gains typically cover 30-40% of insurance cost for many organizations.
Implementing corporate health insurance requires careful planning and the right partner. Sanitas provides complete guidance from initial assessment through ongoing administration, ensuring smooth implementation and long-term success.
Reach out to Sanitas Exclusive Agent team. Brief conversation about your company, size, and goals. No obligation.
Provide employee census data. Receive detailed quote within 24-48 hours including multiple plan options and pricing scenarios.
Review options with leadership team. Choose plan tier(s), coverage levels, add-ons. Approve contract terms. Sanitas guides every decision.
Enrollment, setup, employee training, HR portal configuration. Coverage starts. Ongoing support through dedicated account manager.
Corporate health insurance is more than benefit—it's strategic investment in your workforce, competitive positioning, and company culture. Contact Sanitas today to explore options tailored to your organization.
Our Sanitas Exclusive Agent team responds within 24 hours.
No obligation. Transparent pricing. Expert guidance.