Sanitas Protección Total is a specialist complement designed for self-employed people in Spain who want extra protection in situations such as temporary incapacity, illness or hospitalisation, depending on the policy terms. For autónomos, being unable to work can affect income, business continuity and family finances — this add-on may provide additional reassurance alongside your main Sanitas health insurance policy.
The basics
It is an autónomo-focused complement designed to provide additional protection around temporary incapacity, illness, hospitalisation or related situations, subject to the specific terms. It should be seen as an extra layer — not a replacement for public social security benefits or full business interruption insurance.
Why it matters
Autónomos often carry more personal financial risk if they cannot work. Common pressures include:
Who it's for
What it helps with
How it compares
Not exactly. Sanitas income protection or Renta may provide a daily hospitalisation benefit, while Protección Total may be a broader autónomo-focused complement depending on the policy.
No. Traffic and work accidents cover focuses on medical assistance after eligible traffic or workplace accidents. Protección Total focuses more on self-employed protection and incapacity / hospitalisation-related support.
No. It should not be described as replacing Seguridad Social or autónomo public entitlements. It may provide additional private protection, subject to Sanitas terms.
See income protection and traffic & work accidents cover for related options.
For expats
Expats registered as autónomo may not fully understand Spanish sick pay rules, social security processes or how illness can affect their business. Extra private protection may be useful for reassurance and planning.
Before adding it, check eligibility as an autónomo, age limits, what situations are covered, qualification periods, benefit limits, documents needed to claim, whether hospitalisation is required, how it interacts with other cover, the current quote and renewal rules.
Get help
Spanish Health Insurance can help self-employed expats check whether Protección Total may be available with their Sanitas policy.
Tell us about your self-employed situation and we will check whether Protección Total may be available with your Sanitas plan, explain the terms in plain English and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll check whether Protección Total can be added to your Sanitas plan — free advice in English.
FAQs
Common questions about Sanitas Protección Total for autónomos.