Full Coverage Health Insurance in Spain

Yes, especially for families, frequent healthcare users, and those with chronic conditions. You avoid surprise copay bills and get unlimited access to care. For healthy individuals, full coverage provides peace of mind without gaps — and when you add up copay charges, dental bills, and specialist fees on a budget plan, the annual cost often exceeds a full coverage premium.

Yes. Sanitas accepts applicants with pre-existing conditions. Waiting periods may apply (typically 30–90 days depending on the condition and plan), and some conditions may be subject to review. However, emergency care is generally covered from day one across all plans. Contact us and we'll advise on the best option for your specific situation.

Premium plans like Sanitas Premium 500,000 and Top Quantum include unlimited dental with implants covered. Mid-range plans like Más Salud typically have an annual dental limit. If comprehensive dental — including implants — is a priority, the Premium 500,000 is the plan to choose.

Sanitas Top Quantum covers you in 50+ countries. Sanitas Health Plan Complete provides global coverage in 150+ countries — making it ideal for frequent travellers and digital nomads. If you travel regularly, these plans ensure you're protected wherever you go, with emergency medical repatriation included.

Only Sanitas Residents and Sanitas Residents Platinum are accepted by Spanish consulates for Non-Lucrative Visa (NLV) and Digital Nomad Visa (DNV) applications. Other full coverage plans — even premium ones like Top Quantum — are not accepted for visa purposes. If you're applying for a Spanish visa, choose one of the Residents plans.

Yes. Most Sanitas plans are flexible with a 30-day cancellation notice. You can also upgrade, downgrade, or switch plans if your circumstances change. There's no long-term lock-in, making it easy to adjust your cover as your needs evolve.

Yes. Prescriptions issued by a Sanitas doctor are covered under all full coverage plans. You collect your medication from a pharmacy and may pay a small dispensing fee (typically €2–€5). The Blua digital health app also lets you request prescriptions via video consultation and have them sent directly to your nearest pharmacy.