Full cover with no copayments, high annual limits, mental health, fertility, maternity and international protection — all in one plan from Sanitas.
Comprehensive health insurance in Spain represents the highest level of private medical protection available. Unlike standard plans that may impose copayments, treatment restrictions or annual limits, truly comprehensive plans eliminate all financial barriers to care — you pay your monthly premium and nothing more at the point of service.
In Spain's private healthcare market, "comprehensive" means something specific: zero copayments, very high annual allowances (typically €300,000–€500,000), and coverage for services that basic plans often exclude — mental health, fertility treatments, maternity, and international emergency care.
The extra monthly cost versus a basic plan becomes trivial when you face major surgery, an extended hospital stay, a fertility journey, or ongoing mental health support. Comprehensive cover means you can access whatever care you need, whenever you need it, without worrying about the bill.
Zero copayments, high annual limits, and full coverage for virtually every medical need. Prices confirmed April 2026 — your exact premium depends on age and province.
Applying for a Non-Lucrative Visa or Digital Nomad Visa? You need a plan specifically approved for Spanish visa applications — no copayments, repatriation confirmed in the certificate, issued same day in English.
Comprehensive plans go beyond standard coverage to include treatments and services often excluded from basic insurance. Here's exactly what you get.
The foundation of comprehensive cover. Whether you see a GP, a specialist, need emergency care or major surgery, you pay nothing at point of service. The monthly premium is your only cost. For individuals with ongoing health needs, this alone can save thousands annually.
Serious illness or extended hospitalisation can be expensive even in Spain. Plans with €500,000 limits ensure you'll never hit a ceiling. Most members never use more than 10% of their annual allowance — but knowing it's there provides complete peace of mind.
All Sanitas comprehensive plans include mental health. This covers psychiatrists, psychologists, medication management and inpatient psychiatric care. Premium plans like Premium 500,000 and Top Quantum include unlimited mental health consultations with no additional cost.
If you're planning a family in Spain, fertility cover is invaluable. Premium 500,000 and Top Quantum include IVF, ovarian stimulation, embryo transfer and related treatments. A single IVF cycle costs €3,000–€8,000 privately — comprehensive cover eliminates that risk.
All comprehensive plans cover pregnancy, delivery and postnatal care at 100%. Prenatal consultations, ultrasounds, delivery (vaginal or caesarean), hospital stays and postpartum care are all included. You choose your hospital and obstetrician, with no copayments.
Top Quantum and Premium 500,000 offer worldwide cover for emergencies and planned treatment abroad. If you're travelling and face a medical emergency, your insurance covers hospital admission, emergency surgery and flights home to Spain. Essential for frequent travellers.
If you're seriously ill and prefer treatment in your home country, comprehensive plans cover repatriation costs — emergency medical transport back to your home country if medically necessary. Arranging this privately can cost thousands. It's included in your plan.
All comprehensive plans include Blua, Sanitas's digital health service. 24/7 video consultations with doctors (many English-speaking), specialist referrals, prescription support and medical advice from your phone. Many issues are resolved without visiting a clinic.
Comprehensive plans work best in specific situations. Here's what to consider.
With children in the household, copayments add up fast. Comprehensive cover eliminates per-visit costs and includes maternity for future pregnancies. Family plans spread the premium across everyone, often making comprehensive coverage very competitive per person.
If you travel regularly or split time between countries, Top Quantum and Premium 500,000 offer worldwide cover for both emergencies and planned treatment. A single overseas hospitalisation without cover can cost €20,000+.
For those considering fertility treatment or pregnancy in Spain, comprehensive cover pays for itself quickly. A single IVF round costs as much as a year's comprehensive premium — with cover, you're protected from day one.
Premium 500,000 offers excellent comprehensive coverage at a mid-range price from €94/mo. If you want truly comprehensive benefits without the top-tier cost, this is the strongest starting point.
Healthcare costs rise with age. Comprehensive cover means you pay the same monthly premium regardless of how often you need care. Pre-existing conditions are covered once any applicable waiting period has passed.
If mental health support matters to you — therapy, psychiatry, or medication management — comprehensive plans include it without extra cost. No copayments, no session limits on Premium 500,000 and Top Quantum.
Browse the full range. Use the filters to narrow by coverage type or situation — all confirmed prices as of April 2026.
Confirmed "from" prices — April 2026. Your exact premium depends on your age and province.
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Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving members direct access to the largest private medical network in the country.
Tell us about your situation and we'll send you exact prices for comprehensive plans — or suggest the best option if there's a better fit. No obligation, no hard sell.
Everything you need to know about comprehensive health insurance in Spain.