Decision guideCompany or individualRelocated staff

Group or Individual Health Insurance for Relocated Employees

Should relocated employees be covered through your company or on an individual policy? This guide explains when the company route fits and when an individual quote is the better fit. Both routes can provide Sanitas private healthcare; the available plans, benefits and medical network depend on the arrangement and policy selected.

Which route?Company or individual
Company routeTeam quotation
Individual routePersonal quote
CoverSanitas private cover
Best forYour situation
SupportEnglish-speaking team
Company Enquiry →
✓ Exclusive Sanitas Agent
✓ Company & individual routes
✓ Plans vary by arrangement
✓ Family cover available
✓ English-speaking support

The two routes

Company Route or Individual Route?

When you are covering relocated employees, there are two ways to arrange it: through your company (a group arrangement we quote for your team) or as an individual policy that the employee holds. The difference is who arranges and holds the cover, and which suits your situation. Both routes can provide Sanitas private healthcare; the available plans, benefits and medical network depend on the arrangement and policy selected.

Here is how to tell which route fits.

Company route

When the Company Route Fits

  • You are covering several employees, or expect to add more over time.
  • The company is arranging or paying for the cover as a benefit.
  • You want one point of contact and a consistent approach across the team.
  • You would like a single company quotation rather than separate policies.

If that sounds like you, start a company enquiry and we will prepare a quotation for your team.

Individual route

When an Individual Quote Fits

  • You are covering one employee, or an employee and their family.
  • The employee is buying the cover themselves, or wants to hold their own policy.
  • The person wants cover tailored to them.
  • There is no company arrangement in place, or none is needed.

In that case, a personalised individual quote is the simpler route.

At a glance

Company Route vs Individual Route

 Company routeIndividual route
Best forSeveral employees, or an employer-arranged benefitOne employee or a family buying their own cover
Who arranges itThe company, through usThe individual, through us
QuotationOne company quotation for the teamA personalised individual quote
HealthcareBoth routes can provide Sanitas private healthcare; plans, benefits and network depend on the arrangement and policy selected
Start hereCompany enquiryIndividual quote

The healthcare

What Your Employees Can Use

Both routes can provide Sanitas private healthcare in Spain — the plans, benefits and medical network available depend on the arrangement and policy selected:

Sanitas network

Access to Sanitas doctors, specialists and medical centres across Spain, subject to the plan chosen.

Specialists

Private consultations with specialists across the Sanitas network.

Diagnostics & imaging

Blood tests, scans and imaging as part of investigations.

Hospital options

Private hospital admissions, surgery and inpatient treatment, according to the plan.

Emergencies in Spain

Urgent and emergency care through the Sanitas network.

Digital access

Video consultations and digital services through the Mi Sanitas app and Blua digital health.

The exact benefits, limits and network depend on the plan selected for your team. We help you match the plan level to what your employees need and explain it clearly in English. You can see the wider picture on our Sanitas network and comprehensive cover pages.

Two routes

Choose Your Route

Not sure which fits? Start with the route that matches your situation, or speak to our English-speaking team and we will point you the right way.

Employer-arranged

You are arranging cover for your team

If your company is setting up or paying for cover for employees relocating to or working in Spain, start a company enquiry and we will prepare a quotation for your team.

Enquire About Team Cover →
Personally purchased

You are buying cover for yourself or your family

If you are relocating and arranging your own cover, or covering your family, request a personalised individual quote and we will tailor it to you.

Get a Personalised Quote →

FAQs

Group or Individual Cover — FAQs

Common questions about choosing between the company route and an individual policy for relocated employees.

It depends on who is arranging the cover and how many people are involved. The company route suits several employees or an employer-arranged benefit; an individual policy suits one employee or a family buying their own cover. Both routes can provide Sanitas private healthcare, depending on the arrangement and policy selected.
Both routes can provide Sanitas private healthcare. The available plans, benefits and medical network depend on the arrangement and policy selected. We help you match the plan to what your people need.
Yes. If you expect to cover more people over time, the company route gives you a consistent approach and one point of contact. Start a company enquiry and tell us how your team is likely to grow.
It depends on who holds and pays for the policy and the applicable terms. We can review the arrangement before the employment change.
If the company is arranging or paying for cover for several people, use the company enquiry. If an individual is buying cover for themselves or their family, use an individual quote. If you are unsure, speak to our English-speaking team.
For the company route, start a company enquiry with a few team details; for the individual route, request a personalised quote. We do not publish fixed prices because they depend on the people covered and the plan.