Switching to Sanitas | Easy Transfer Guide
NO PENALTIES EASY SWITCH

Switch to Sanitas Health Insurance

Join thousands of expats who've switched to Sanitas for superior coverage, faster care, and English-speaking support. No penalties. No waiting periods. Zero hassle.

No gaps in coverage
We handle everything
Free to switch
Why Switch to Sanitas?
58,000+ network doctors & surgeons
300+ private hospitals across Spain
24/7 English-speaking support
Fast claim processing (5-7 days)
Blua app for instant claims
Bupa-backed stability
Why Choose Sanitas

Six Reasons to Switch to Sanitas

Bupa-Backed Stability

Sanitas is part of Bupa, a 75-year-old global health insurance leader serving 30+ million customers. Rock-solid financial backing means your claims are always paid, your provider won't vanish.

English-Speaking Doctors

Access to English-speaking healthcare professionals across Spain. Many private doctors and all major hospitals have English-fluent staff. No more struggling through medical conversations in Spanish.

Blua Mobile App

Sanitas' Blua app gives you instant access to your policy, submit claims with one tap, book appointments, and message your doctor 24/7. Healthcare management from your pocket.

Unmatched Network

58,000+ healthcare professionals and 300+ private hospitals. Whether you're in Madrid, Barcelona, or rural Andalucía, quality healthcare is nearby. Choice and convenience.

No Waiting Periods When Switching

Spanish insurance law protects you. If you've been continuously insured (in any plan), switching to Sanitas eliminates waiting periods. Start coverage immediately without delays.

Lower Costs for Expats

Sanitas prices are competitive. Many expats find they save 20-30% when switching from international providers or outdated domestic plans. Get more coverage for less money.

How It Works

5-Step Switching Guide

1
Contact Your Sanitas Exclusive Agent Call, email, or complete our online form with details about your current coverage, age, and healthcare needs. No obligation—we just want to understand your situation.
2
Receive Your Personalized Quote Within 24 hours, your Sanitas Exclusive Agent sends a detailed quote with exact monthly pricing, plan comparison, and any health questionnaire requirements. Transparent. No hidden fees.
3
Review & Accept Your Policy Review your policy documents at your own pace. Ask your Sanitas Exclusive Agent any questions. When ready, digitally sign and accept your new coverage—takes minutes.
4
Cancel Old Coverage (We Help) Your Sanitas Exclusive Agent prepares cancellation letters and handles all communication with your previous insurer. We coordinate timing so your old policy ends and Sanitas begins on the same date—zero gaps.
5
Activate & Start Using Your Coverage Receive your Sanitas card (physical + digital), download the Blua app, and start booking appointments immediately. You're now part of Spain's leading private health network.
Coverage Continuity

No Gaps. No Penalties. Seamless Transition.

When you switch to Sanitas, we ensure continuous coverage. Your Sanitas policy becomes effective on the exact date your previous policy ends. You're never uninsured. This is guaranteed under Spanish insurance law.

Immediate, Uninterrupted Coverage

Your Sanitas coverage begins the moment your old policy terminates. Full access to our 58,000-doctor network from day one.

Pre-Existing Conditions Covered

Switching between private policies? Pre-existing conditions are fully covered. No waiting periods. No exclusions based on prior health history.

Ongoing Treatment Continues

Current medications, ongoing therapies, and specialist care all transfer seamlessly. Bring your medical history—Sanitas doctors coordinate your care.

Doctor Continuity

Already have a trusted doctor? If they're in the Sanitas network (most private practitioners are), you keep them. If not, we'll find an equally qualified specialist nearby.

No Waiting Periods

Spanish Insurance Law Protects You When Switching

If you've been continuously insured (in any private plan, workplace insurance, or even public SNS coverage), Spanish regulations eliminate waiting periods when you switch to Sanitas. You don't wait for emergency care, preventive visits, or specialist appointments.

ACTIVATED IMMEDIATELY
  • Emergency & Urgent Care — Available day one
  • Preventive Medicine — Full access from start date
  • Specialist Appointments — No waiting to see consultants
  • Ongoing Treatment — Continuous care, no gaps
  • Prescription Coverage — Medications covered immediately
WHO'S PROTECTED
  • Private Insurance Switchers — No waiting periods
  • Public (SNS) to Private — No waiting periods
  • International Insurance — Switching to Sanitas is gap-free
  • Workplace Coverage Switchers — Protected under portability rules
  • All Ages — Protection applies to adults, families, retirees
Important: Waiting periods only apply if you previously had NO insurance for 3+ months. If you've always been covered, you're protected.
Making It Easy

We Handle the Paperwork. You Handle Your Health.

Switching insurance normally involves mountains of paperwork. Not with your Sanitas Exclusive Agent. We handle everything—you just approve and sign.

Personalized Quotes

We compare plans based on YOUR age, location, and health needs. No generic quotes. Every recommendation is tailored to help you get the best coverage at the best price.

Cancellation Coordination

We draft cancellation letters for your old provider, manage notices, and coordinate timing. Your previous insurer communicates with us, not you. Stress-free process.

Health Declaration Help

Need to disclose medical history? We guide you through every question, help interpret health questionnaires, and ensure nothing's overlooked. Clear, honest communication.

Digital Policy Acceptance

No printing, no mailing, no notarization. Sign your policy digitally on any device. Manage it all through your secure account. Modern, simple, transparent.

Ongoing Support

Your Sanitas Exclusive Agent doesn't disappear after the sale. Call with questions about your coverage, claims, doctors, or anything else. We're here the whole time.

Refund Assistance

If your old provider offers early cancellation refunds, we help you claim them and apply the credit to your new Sanitas premium, reducing your first-month costs.

Plans for Switchers

Recommended Plans When Switching

Switching gives you the opportunity to choose a plan that truly fits your needs. Here are three popular options among expats who switch to Sanitas.

VISA-COMPLIANT POPULAR
Sanitas Más Salud
No Copay
Comprehensive, no out-of-pocket costs
  • 58,000+ healthcare professionals & 300+ hospitals
  • €0 copays for GP visits
  • €0 copays for emergency care
  • Full dental & vision coverage
  • Maternity & newborn care
  • Mental health support
  • Blua app with instant claims
RESIDENTS MOST POPULAR
Sanitas Residents
Gold-standard coverage for expats & residents
  • €0 copay on all visits
  • 58,000+ English-speaking doctors
  • Spain's largest hospital network
  • Visa/residence permit compliant
  • 24/7 English support
  • Preventive care & wellness programs
  • No age limits on coverage
BUDGET-FRIENDLY STARTER PLAN
Sanitas Accede
Affordable coverage with essential protection
  • Low monthly premium from €22.65
  • 10,000+ network doctors
  • Emergency care (€100 copay)
  • Hospital coverage (€500 copay)
  • GP & specialist visits (€20 copay)
  • Serious illness coverage
  • Option to upgrade anytime
Who's Switching

Common Reasons Expats Switch to Sanitas

From Public SNS to Private

Tired of long wait times, language barriers, and limited specialist access? Public healthcare works, but private coverage gets you faster appointments, English speakers, and choice of doctors. Sanitas eliminates waiting periods for public system switchers.

From Adeslas/ASISA/DKV

These providers have excellent reputations, but costs add up. Many switchers find Sanitas offers comparable or better coverage at 15-30% lower premiums. English support is also better at Sanitas, especially for expats.

From International Insurance

Global plans are expensive and often designed for short-term coverage. If you're staying in Spain long-term, switching to Sanitas (backed by Bupa) gives you local expertise, better prices, and seamless healthcare integration.

Upgrading Old Coverage

Insurance plans you selected years ago might not fit your life today. Families grow, health needs change, budgets shift. Switching lets you match coverage to your current situation without penalties.

Better Network & Specialists

Your current plan has limited specialists or no hospitals near you. Sanitas' 300-hospital network spans every region. Switching gives you access to cutting-edge treatment and expert surgeons.

Needing English Support

Healthcare shouldn't require a translator. Sanitas has 24/7 English-speaking advisors, English-capable doctors in all regions, and bilingual materials. Communication is clear and stress-free.

Making the Transition to Sanitas Seamlessly

Switching to Sanitas represents a strategic decision to upgrade your healthcare coverage with Spain's most established health insurance provider. As your Sanitas Exclusive Agent, we guide customers through this transition with detailed explanations of coverage differences, ensuring you understand exactly what improves about your care after switching. The process is simpler than many people expect, and the healthcare gains are substantial.

One of the primary advantages of switching to Sanitas is the expanded doctor and hospital network. If you've been restricted by a regional insurer or smaller plan, Sanitas immediately provides access to 58,000+ healthcare professionals and 300+ hospitals nationwide. This expanded access means specialist appointments that previously required weeks of waiting become available within days through the larger network. For chronic conditions, this network expansion can mean the difference between convenient local care and inconvenient travel to specialists in other regions.

Sanitas plans also include Blua, the 24/7 telemedicine platform that many smaller competitors don't offer. For busy professionals, parents managing family healthcare, or people with mobility limitations, having English-speaking doctors available via video consultation at any hour represents a significant lifestyle improvement. Blua consultations are typically covered at minimal cost, making primary care more accessible than waiting for office appointments.

The switching process itself is handled smoothly when you work with an Exclusive Agent. We manage the enrollment paperwork, coordinate with your previous insurer regarding coverage end dates, and ensure there are no gaps in your protection. We also help you transition prescriptions and specialist relationships so you don't lose continuity of care during the changeover.

For those concerned about pre-existing conditions, Sanitas typically has no waiting periods for existing health problems after the initial enrollment period. This differs from some competitors who impose longer exclusion periods, making Sanitas particularly attractive for customers with ongoing medical needs who can't afford coverage gaps.

Questions Answered

FAQs About Switching to Sanitas

Yes. Spanish insurance regulations allow you to cancel private health policies and switch providers at any time without early termination fees or penalties. You're never locked into an annual contract. Simply provide notice to your current provider (usually 30 days), and Sanitas activation begins immediately after your old policy ends.
Absolutely not. Your Sanitas Exclusive Agent coordinates the timing so your Sanitas coverage starts the exact date your previous policy ends. You remain covered 24/7 throughout the entire process. Zero gaps. This is guaranteed under Spanish law.
Very quick. Get a personalized quote within 24 hours. Accept your policy digitally within 1-2 days. Total time from first contact to active Sanitas coverage is typically 2-4 weeks (depending on your previous provider's cancellation notice period). Most of the wait is giving proper notice to your old insurer, not completing paperwork.
Very likely yes. Most Spanish private doctors participate in the Sanitas network (58,000+ healthcare professionals). Before you switch, your Sanitas Exclusive Agent will confirm whether your current doctors are in-network. Even if they're not, Sanitas' massive network means you'll find equally qualified specialists in your area.
You may need to complete a health declaration depending on your age and the coverage level you choose. However, previous conditions won't typically cause exclusions when switching between private policies. Your Sanitas Exclusive Agent guides you through the questionnaire and answers all questions. We've processed thousands of switches and know exactly what to do.
Zero switching costs. No admin fees. No penalties for early cancellation. You pay only your new Sanitas premium—nothing extra. In some cases, your previous provider may offer partial refunds for unused months, which your Sanitas Exclusive Agent can help you claim and apply to your new policy, reducing your first-month costs.
Switching from public (SNS) to Sanitas is straightforward. You won't pay any cancellation fees to SNS. Sanitas doesn't impose waiting periods for those transitioning from public coverage. You'll complete a standard health declaration, and coverage typically begins 1-2 weeks after policy acceptance. Your Sanitas Exclusive Agent handles all coordination with SNS.
Absolutely. This is where your Sanitas Exclusive Agent shines. We prepare cancellation letters, manage all communication with your previous insurer, coordinate timing, answer health questionnaires, and oversee the entire process. You just approve and sign. We've done this thousands of times and know exactly what each provider requires. Switching has never been easier.
No age limits. Sanitas covers everyone from newborns to seniors 90+. Premiums vary by age, of course, but there's no age cap on coverage or eligibility. Retirees, families with young children, working-age adults—everyone can switch to Sanitas without restrictions.
Yes. When switching between private policies, pre-existing conditions are typically fully covered with no waiting periods or exclusions. Your health history won't disqualify you. You'll complete a health declaration (standard industry practice), and coverage begins normally. If switching from public SNS, there are even fewer restrictions.

Get Your Free Quote Today

Ready to switch to Sanitas? Get a personalized quote in 24 hours. No obligation. No pressure. Just see what you'd save.

  • No hidden fees
  • Accurate pricing for your age & location
  • Plan comparisons & recommendations
  • Your Sanitas Exclusive Agent on your side
  • Start switching process immediately

Get Your Personalised Quote

Your Details
People to Cover
Applicant 1 (You)
Your Situation
Bupa-Backed Stability
Spanish Insurance Regulated
58,000+ Healthcare Professionals
No Hidden Fees