Apply for Sanitas health insurance completely online with zero medical exams, blood tests, or doctor visits. Some plans need no medical questionnaire either. Get approved and covered the same day.
Many expats confuse these. Here's the important distinction.
This is NOT required by Sanitas for ANY plan.
A medical exam means seeing a doctor who:
Cost: €150-400 (you pay)
Time: 1-2 weeks to get results and approval
Sanitas requirement: None. Zero plans require this
This is sometimes required, but NOT always.
A medical questionnaire is a form asking about your health history:
Cost: Free (part of application)
Time: 5-7 days for Sanitas to review
Sanitas requirement: Most plans require this (but some don't)
A medical exam is physical — you see a doctor, get blood taken, get examined. A questionnaire is written — you fill out a form about your health history. Sanitas does NOT do medical exams for any plan. Some plans require questionnaires; others don't.
This applies to 100% of Sanitas plans. No exceptions.
Sanitas does not conduct medical exams for any of its plans. This is not negotiable or conditional. Whether you're applying for:
You will not be asked to see a doctor, get blood tests, or undergo any physical medical examination.
That's it. No doctor visit. No blood samples. No physical exam.
Sanitas is part of Bupa, one of Europe's largest insurers, with 50+ years of data on health outcomes. Sanitas can use sophisticated risk assessment based on age, questionnaire responses, and medical history without requiring expensive physical exams. This keeps costs down and approvals fast.
If you want to skip the form entirely, these Sanitas plans accept all applicants with zero health questions.
Designed for self-employed and freelancers:
These plans ask health questions but still involve zero doctor visits or medical exams.
Common concerns and how to handle them.
Reality: Sanitas approves the vast majority of applicants. Rejection is rare. Even with pre-existing conditions, you'll typically be approved (though some conditions may have waiting periods or exclusions for that specific condition).
Solution: If you're worried, choose Sanitas Único or Sanitas Profesionales. No questions asked. Automatic approval.
Reality: Fair concern. The questionnaire can feel intrusive.
Solution: Choose Sanitas Único (from €48.10/month) or Profesionales. Zero health questions. You only provide name, age, contact info. Done.
Reality: No. Your health information is confidential. It's only used for underwriting your policy. Sanitas doesn't share it with third parties, employers, or government (except as required by Spanish law for visa applications, and even then, only that you have cover).
Reality: You don't need to be perfect. If you can't remember an exact date or medication name, write what you know.
Solution: Include a note saying "I'll provide additional details if needed." Sanitas may ask follow-up questions via email, but they're lenient with gaps.
Reality: Yes. If the online form is confusing, contact us (English support available). They'll explain any question before you submit.
All have zero medical exams. Choose based on questionnaire preference.
Best for: Zero questionnaire preference
Best for: Freelancers with no questionnaire concerns
Best for: Visa applicants, simple form OK
Sanitas is Spain's leading private health insurer — trusted by expats, families, and visa applicants across the country.
No. Sanitas does not conduct medical exams for any plan, under any circumstances. This is a company-wide standard. You will never be asked to see a doctor, get blood tests, or undergo physical examination for Sanitas approval.
Yes, and you won't be asked about them. Sanitas Único accepts all applicants regardless of health history. No questions asked, no health questionnaire, no medical exam. Just basic personal details and you're approved.
For Sanitas Único and Profesionales: No health questions asked. For other plans: Yes, but you must answer honestly. If you don't understand a question, contact us (English support available) for clarification. Leaving fields blank or being dishonest can cause approval issues.
Rarely. Sanitas approves the vast majority of applicants. Even with serious health conditions, you'll typically be approved (though certain conditions might have waiting periods or exclusions). Outright rejection is uncommon.
Yes. Sanitas accepts international credit cards (Visa, Mastercard, Amex) and doesn't require NIE. You can pay from your home country's bank account using international credit card. No NIE, no Spanish bank account needed.
Don't. If you lie and later make a claim related to that hidden condition, Sanitas can deny the claim or cancel your policy. Be honest — it protects you because once approved, you're covered for everything you disclosed.
2-7 working days depending on the plan. Sanitas reviews your answers and either approves or asks follow-up questions. Once approved, your certificate is issued same day (often within hours). For Sanitas Único, it's same day — no waiting.
Tell us about your situation and we'll send you an exact price — or suggest the best alternative if there's a better fit. No obligation, no hard sell.