AutónomosCopay vs no-copaySanitas Profesionales

Copay vs No-Copay Health Insurance for Autónomos

As a self-employed worker choosing private cover, the real decision is how you prefer to pay: everything in one predictable monthly premium, or a lower premium with small copayments on the services you use. We help you pick the Sanitas Profesionales option that fits.

Get a Personalised Quote →Speak to an Adviser

Your choiceAutónomo

No-copaymentOne predictable premium

CopaymentLower premium + copayments

BothFull Sanitas network

For autónomosProfesionales range

English-speaking help✓ Us, start to finish

Get a Personalised Quote →

✓ Exclusive Sanitas Agent

✓ Sanitas International Experts

✓ Full Sanitas network

✓ Autónomo protection benefit

✓ English-speaking support

Your decision

How Do You Want to Pay for Your Care?

With private cover as an autónomo, your decision comes down to how you prefer to pay. A no-copayment plan keeps everything in one monthly premium, with no additional copayment for covered services. A copayment plan has a lower premium, with small copayments charged for certain services you use. Both give you the full Sanitas network — so you are choosing the payment style that suits your budget and how often you use private care.

How copay works

How Sanitas Copayments Are Charged

On a copayment plan, Sanitas records each applicable service and charges the corresponding copayment through the policy's billing arrangements. The amount depends on the service and the current plan terms.

On a no-copayment plan, covered services do not carry an additional copayment when they are used; the cost is included in the regular premium. Either way, copayments apply per service rather than as a percentage of a large bill, so they stay small and predictable, and we go through the current terms with you before you choose.

How each works

No-Copayment and Copayment, Side by Side

No-copayment (sin copago)

How you pay

One monthly premium, with no additional copayment for covered services.

Suits

Frequent users and families who want predictable costs and no separate copayments.

Copayment (con copago)

How you pay

A lower monthly premium, with small copayments charged for certain services through the policy.

Suits

Autónomos who use healthcare occasionally and want to keep the fixed monthly cost down.

What matters	No-copayment	Copayment
Monthly premium	Higher, all-inclusive	Lower
Copayments	None on covered services	Small copayment per applicable service
Best for	Frequent use, families	Occasional use, lower fixed cost
Budgeting	Fully predictable	Lower base, varies with use
Sanitas network	Full access	Full access

Match it to your use

Low, Medium or Frequent Use — Which Way Suits You

Low use

If you rarely see a doctor — the occasional GP visit or a one-off test in a year — a copayment plan keeps your fixed monthly cost down, and the few copayments you pay are unlikely to add up to much.

Medium use

If you see specialists a few times a year, or have children who need occasional appointments, a middle option balances a lower premium with smaller copayments, so your costs stay manageable.

Frequent use

If you or your family use healthcare regularly — an ongoing condition, frequent specialist visits, physiotherapy — a no-copayment plan is usually simpler, with no copayments for covered services and a fixed monthly cost.

You do not have to predict it perfectly. Tell us roughly how often you expect to use private care and we will point you to the option that fits, and you can review it as your circumstances change.

Your options

Sanitas Profesionales — Both Ways to Pay

The Sanitas Profesionales range is built for autónomos and covers both approaches, so you can match the plan to how you use healthcare and what you want to pay each month. Every option gives you the full Sanitas network and the autónomo protection benefit for when you cannot work.

No-copayment

Sanitas Profesionales

A no-copayment plan for autónomos: your care across the full Sanitas network with everything in one predictable monthly premium, and an autónomo protection benefit for when you cannot work.

Profesionales →

Balanced

Sanitas Profesionales Plus

A middle option with a lower premium and small copayments on some services, plus the autónomo protection benefit — a strong fit for regular but measured use.

Profesionales Plus →

Lower premium

Sanitas Profesionales Óptima

The lowest monthly premium in the range, with a small copayment per service you use — designed for autónomos who want the Sanitas network on hand without a higher fixed cost.

Profesionales Óptima →

	Profesionales	Profesionales Plus	Profesionales Óptima
Copayments	None — all in the premium	Copayments on some services (the middle option)	A small copayment per service you use
Monthly premium	Higher, all-inclusive	Middle	Lower
Best for	Frequent users and families	Regular but measured use	Occasional use, lower fixed cost
Also included	Full Sanitas network + autónomo protection benefit	Full Sanitas network + autónomo protection benefit	Full Sanitas network + autónomo protection benefit

Get a Personalised Quote →Compare the Profesionales plans

Couples & families

How Couples and Families Should Weigh It Up

For a couple or a family, the decision is about the household's overall use, not just yours. Children often need more frequent appointments, which can tip the balance towards a no-copayment plan for predictable costs, while a couple who rarely see a doctor may prefer a lower premium with occasional copayments. When arranging family cover, each person is included as an insured member. We collect the information Sanitas requires for everyone being covered and explain how the policy will be arranged.

Quick guide

Which Option Normally Suits Which Customer

If you...	A good starting point
use private care often, or cover a family	Profesionales — no copayment, predictable all-in cost
want a balance of lower premium and smaller copayments	Profesionales Plus
use private care occasionally and want the lowest premium	Profesionales Óptima
are not sure yet	Tell us your likely use and we will recommend the closest fit

These are starting points rather than fixed rules — the right plan follows how you actually use healthcare, and we confirm it with you before you commit.

Get Your Personalised Sanitas Quote

Tell us how you expect to use healthcare and we will compare the copay and no-copay Sanitas Profesionales options for you. Share your date of birth, number of people to cover and where in Spain you live.

A copay vs no-copay comparison for you
The full Sanitas Profesionales range
Full Sanitas network on every option
Cover for your partner or children
The autónomo protection benefit explained
English-speaking help from start to finish

Request a Personalised Quote

Your situation

Nationality

First Name

Last Name

Email Address

Phone / WhatsApp

Number of People to Cover

Date of Birth

Relationship

Spanish Town / City

Postcode

Intended Start Date

Questions or Special Requirements

I agree to the Privacy Policy and consent to being contacted about this enquiry.

I confirm I am aged 18 or over and the information provided is accurate to the best of my knowledge.

Want Help Choosing?

Tell us how you use healthcare and our English-speaking advisers will point you to the right option.

Speak to an Adviser →

FAQs

Copay vs No-Copay for Autónomos FAQs

What self-employed workers ask when choosing how to pay for private healthcare in Spain.

A no-copayment plan puts your whole cost into one monthly premium, with no additional copayment for covered services. A copayment plan has a lower premium, with small copayments charged for certain services through the policy. Both give you the full Sanitas network — the choice is about how you prefer to pay.

A copayment plan usually has the lower monthly premium, so it suits autónomos who use healthcare occasionally. A no-copayment plan costs more each month but has no copayments for covered services, which often works out better for frequent users and families. We help you compare based on how you expect to use it.

Families who see doctors more often tend to prefer a no-copayment plan for predictable costs. Where use is lighter, a copayment plan keeps the monthly premium down. Your partner and children can be insured members on the same plan either way.

Yes. Whether you choose copayment or no-copayment, you have access to the Sanitas network of doctors, specialists and hospitals, and you book directly.

You can review your cover as your needs change — for example if your family grows or you start using healthcare more. We help you move to the option that fits.

Yes. We arrange cover for you and add your partner or children as insured members, and help you choose the copay or no-copay option that suits how you use care.

Related Guides & Next Steps

Copay vs No-Copay Health Insurance for Autónomos

How Do You Want to Pay for Your Care?

How Sanitas Copayments Are Charged

No-Copayment and Copayment, Side by Side

No-copayment (sin copago)

Copayment (con copago)

Low, Medium or Frequent Use — Which Way Suits You

Low use

Medium use

Frequent use

Sanitas Profesionales — Both Ways to Pay

Sanitas Profesionales

Sanitas Profesionales Plus

Sanitas Profesionales Óptima

How Couples and Families Should Weigh It Up

Which Option Normally Suits Which Customer

Get Your Personalised Sanitas Quote

Request a Personalised Quote

Want Help Choosing?

Copay vs No-Copay for Autónomos FAQs

Related Guides & Next Steps

Autónomo health insurance

Sanitas Profesionales

Understand & get started