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Residents Platinum90% reimbursementIn Spain & abroad

Sanitas Worldwide Reimbursement Cover

Want comprehensive private healthcare in Spain with the flexibility to be reimbursed for eligible care outside the network too? Sanitas Residents Platinum includes worldwide reimbursement of 90% of eligible costs, up to €500,000 per insured person per year, subject to the policy terms and sub-limits.

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Residents PlatinumReimbursement
In SpainComprehensive Sanitas cover
Reimbursement90% of eligible costs
Annual maximumUp to €500,000/insured/yr
Applies toEligible out-of-network care
Also on PlatinumUSA Cover · emergency abroad
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✓ Exclusive Sanitas Agent
✓ 90% worldwide reimbursement
✓ Up to €500,000/insured/yr
✓ Comprehensive Spanish cover
✓ English-speaking support

Your cover in Spain

Your Everyday Healthcare in Spain

Before the international side, Residents Platinum is first and foremost comprehensive private healthcare in Spain — and that is the cover you will use most. You choose your doctors and hospitals within the Sanitas network, and our English-speaking team is on hand to help you understand your policy and make the most of it.

Sanitas network

Doctors, specialists and medical centres across the Sanitas network in Spain.

Specialists & diagnostics

Private consultations, blood tests, scans and imaging.

Hospital & surgery

Private hospital admissions, surgery and inpatient treatment.

Digital access

Video consultations and digital services through Mi Sanitas and Blua.

Dental & pharmacy

Dental and pharmacy reimbursement on Platinum, subject to the policy terms.

Emergencies in Spain

Urgent and emergency care through the Sanitas network.

Worldwide reimbursement is an included part of Residents Platinum — not an optional add-on. It sits on top of your Spanish cover and gives you flexibility when care happens outside the network.

The benefit

What Worldwide Reimbursement Covers

With Residents Platinum, you can be treated outside the Sanitas network — including abroad — and claim back a share of the cost. In practice:

  • Platinum reimburses 90% of eligible costs for care outside the network.
  • Up to €500,000 per insured person per year, subject to the policy terms and sub-limits.
  • It can apply to eligible out-of-network care in Spain and abroad.
  • You generally pay the provider first and then submit the claim to be reimbursed.
  • Some categories of care carry their own sub-limits within the overall annual maximum.

“Eligible costs” are the parts of a bill the policy covers, so it is worth checking the detail for the treatment you have in mind — our English-speaking team can talk it through before you go ahead.

How it works

How Reimbursement Differs from Network Cover

Most of the time you use your cover inside the Sanitas network in Spain, where care is arranged directly and you are not paying and claiming for each visit. Worldwide reimbursement is different: it is for care outside that network, where you pay the provider and then claim back 90% of eligible costs up to the annual maximum, subject to terms and sub-limits.

So think of it as two complementary things — your everyday network cover in Spain, plus a reimbursement route for eligible care beyond it.

Who it suits

Who Worldwide Reimbursement Is Useful For

It suits people who want reimbursement flexibility for eligible out-of-network care, in Spain and abroad — for example if you:

  • Want the option of an out-of-network specialist for a particular treatment, and to claim back the eligible share.
  • Keep healthcare ties in more than one country and want reimbursement to be part of your cover.
  • Have a second home or spend part of the year elsewhere and want more than emergency-only cover when you are away.
  • Value the choice of being treated outside the Sanitas network for certain care, alongside your everyday Spanish cover.

If your care is almost entirely in Spain, you may not need this flexibility — a general Sanitas plan can already give you strong comprehensive cover. We are happy to say so if that is the better fit for you.

In practice

Worked Examples

Out-of-network specialist abroad. While travelling, you see a private specialist for an eligible consultation and pay the bill yourself. You keep the itemised invoice and proof of payment and submit a claim; Platinum reimburses 90% of the eligible cost, up to the annual maximum and any sub-limit that applies.
Eligible out-of-network care in Spain. You choose a provider outside the Sanitas network for eligible treatment. You pay and then claim; the eligible portion is reimbursed at 90%, subject to the policy terms.
Getting the most from it. Before you go ahead with out-of-network care, it is worth checking two things: whether your intended treatment is eligible, and whether prior authorisation applies. Keep the itemised invoice, medical documentation and proof of payment, and talk to us first — so you know what the benefit covers for your situation.

Three benefits

Worldwide Reimbursement, USA Cover and Emergency Abroad

Residents Platinum carries more than one international benefit. They cover different situations and work in different ways, so it is worth knowing which does what before you rely on it.

Residents Platinum carries three international benefits that work in different ways. Worldwide reimbursement pays back 90% of eligible out-of-network costs, up to €500,000 per insured person per year, subject to terms and sub-limits. USA Cover is a dedicated United States benefit with its own scope and authorisation (Sanitas medical cover in the USA). And emergency healthcare abroad covers urgent care on trips outside Spain — up to €12,000 per insured person per year on Sanitas Residents and up to €30,000 on Residents Platinum. If you tell us how you live and travel, we will point you to the ones that matter for you.

Get Your Personalised Residents Platinum Quote

Tell us how you live and travel and we will put together a Residents Platinum quote and explain how worldwide reimbursement works for you. Share your nationality, date of birth, number of people to cover and where in Spain you live.

  • Comprehensive private healthcare in Spain
  • 90% worldwide reimbursement, up to €500,000/insured/yr
  • How USA Cover and emergency abroad work separately
  • A Residents Platinum quote for you and your family
  • An agreed start date that suits you
  • English-speaking help from start to finish

Request a Personalised Quote

Applicant 1 (You)

Prefer to Talk It Through?

Tell us how you live and travel and our English-speaking advisers will explain how worldwide reimbursement works.

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FAQs

Worldwide Reimbursement FAQs

Common questions about the worldwide reimbursement benefit on Sanitas Residents Platinum.

It is an included benefit of Sanitas Residents Platinum. You can be treated outside the Sanitas network, including abroad, and claim back 90% of eligible costs, up to €500,000 per insured person per year, subject to the policy terms and sub-limits. You generally pay the provider first and then submit the claim.
No. It is an included part of Residents Platinum, sitting on top of your comprehensive private healthcare in Spain. It is not something you buy separately.
It can apply to eligible out-of-network care both in Spain and abroad. Inside the Sanitas network in Spain, care is arranged directly rather than through reimbursement.
Platinum reimburses 90% of eligible costs, up to €500,000 per insured person per year, subject to the policy terms. Some categories of care carry their own sub-limits within that overall annual maximum, so it is worth checking the detail for your treatment.
No — they are separate benefits. USA Cover is a dedicated United States benefit with its own scope and authorisation, and emergency healthcare abroad (up to €30,000 per insured per year) is for urgent care on trips. Worldwide reimbursement is the 90%/€500,000 route for eligible out-of-network care.
You generally pay the provider, keep the itemised invoice, medical documentation and proof of payment, and submit the claim through the current channel Sanitas identifies. Sanitas assesses it under the policy terms. Our team can explain the benefit and any authorisation needed before you go ahead.

Related Guides & Next Steps

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