Sanitas Accede
Best for: Budget-conscious, rare hospital needs
- Hospital: €200 copay per admission
- Emergency covered immediately
- Sanitas network (900+ clinics)
- Outpatient + hospitalisation
Not sure which plan is right for you? We'll compare them all and find the best fit.
Get a Quote →Need a visa-compliant policy fast? Once your application is accepted and payment received, your policy and visa-compliant insurance certificate can be issued the same working day.
Get a Quote →Looking for a business or group quote? Our advisors will compare all options for you.
Get a Quote →Ready to find the right plan? Get an exact price in minutes.
Get a Quote →Every Sanitas plan includes hospitalisation cover for inpatient care. Learn what's covered, compare copay vs no-copay options, and find the best plan for your needs.
Hospitalisation (inpatient care) covers any medical treatment requiring an overnight stay or emergency admission to hospital. Every Sanitas plan includes this as a standard benefit.
Sanitas works with Spain's best hospitals and private clinics. You choose where you're admitted (subject to availability), and Sanitas covers the costs.
Access to 200+ hospitals including Ruber, Quirónsalud, and Teknon across Spain.
700+ private clinics and surgical centres for planned procedures and minor hospitalisation.
Round-the-clock emergency admission support. Call your insurance card and go directly to the hospital.
All Sanitas plans include hospitalisation, but you choose how you pay for it.
| Aspect | Copay Plans | No-Copay Plans |
|---|---|---|
| Hospital Copay | €200–€600 per admission | €0 (zero copay) |
| Surgery Costs | Subject to copay | 100% covered, no copay |
| ICU Stay | Copay applies daily | Fully covered |
| Specialist Consultation (in hospital) | Copay may apply | Included, no copay |
| Monthly Premium | €22–€50 | €59.90–€107.23 |
| Best If... | You rarely need hospital | You want zero surprises |
Decision guide: If you expect <1 hospital admission in 5 years, copay plans work fine. If you have chronic conditions or family history of major illness, no-copay is worth the premium.
Choose between copay and no-copay hospital cover. All plans below include 100% hospitalisation.
Budget-friendly premiums, but you pay per hospital admission.
Best for: Budget-conscious, rare hospital needs
Best for: Moderate coverage, good value
Best for: Excellent value, dental included
Zero hospital copayments. Peace of mind for major medical events.
Best for: Complete hospital cover, no copay
Best for: Premium, worldwide hospital cover
Best for: Maximum limit, unlimited benefits
Examples of inpatient procedures covered under all Sanitas hospitalisation plans.
Emergency hospital admission is covered immediately, even on day 1 of your policy. No waiting period for emergencies. Planned procedures may have 30–90 day waiting periods.
You choose from Sanitas network hospitals (200+ major hospitals and 700+ clinics). In emergencies, go to the nearest hospital and Sanitas will cover it if you notify them.
Sanitas covers private hospital admissions only (they're part of the network). Public healthcare (SNS) is free for residents, but Sanitas doesn't cover it. Use Sanitas for private hospital access.
Standard plans include semi-private accommodation. Premium plans like Sanitas Top Quantum offer private room upgrades (sometimes at additional cost). Ask your Sanitas agent about private room options.
Immediate post-hospital rehabilitation is included. Extended rehabilitation or physiotherapy may require a separate outpatient benefit (which all Sanitas plans have).
Most plans have annual coverage limits (€100k to €500k+). Premium plans like Sanitas Premium 500,000 offer €500k+ limits. Check your plan's specific limits.

Sanitas is Spain's leading private health insurer — trusted by expats, families, and visa applicants across the country.
Tell us about your situation and we'll send you an exact price — or suggest the best alternative if there's a better fit. No obligation, no hard sell.