Health Insurance Hospitalisation Spain
Home Plan Structure Health Insurance With Hospitalisation
Coverage Type All Plans Include This

Health Insurance With Hospitalisation in Spain

Every Sanitas plan includes hospitalisation cover for inpatient care. Learn what's covered, compare copay vs no-copay options, and find the best plan for your needs.

Hospitalisation Cover Explained

What Does Hospitalisation Cover Include?

Hospitalisation (inpatient care) covers any medical treatment requiring an overnight stay or emergency admission to hospital. Every Sanitas plan includes this as a standard benefit.

Good news: ALL Sanitas plans include hospitalisation. Budget plans, mid-range plans, premium plans — every single one covers hospital admission and inpatient treatment. The difference is in copayments and coverage limits.

What's Covered Under Hospitalisation

  • Emergency hospital admission (A&E)
  • Diagnostic tests and imaging while hospitalised
  • Surgical procedures and operating theatre costs
  • Bed, meals, and accommodation during stay
  • Nursing and medical care
  • ICU (intensive care unit) admission
  • Specialist consultations while in hospital
  • Anaesthesia and pain management
  • Post-operative care and recovery
  • Medicines and medical supplies during stay

Sanitas Hospitalisation Network

Sanitas works with Spain's best hospitals and private clinics. You choose where you're admitted (subject to availability), and Sanitas covers the costs.

Major Hospitals

Access to 200+ hospitals including Ruber, Quirónsalud, and Teknon across Spain.

Private Clinics

700+ private clinics and surgical centres for planned procedures and minor hospitalisation.

24/7 Emergency

Round-the-clock emergency admission support. Call your insurance card and go directly to the hospital.

Hospitalisation Options

Copay vs No-Copay Hospital Cover

All Sanitas plans include hospitalisation, but you choose how you pay for it.

AspectCopay PlansNo-Copay Plans
Hospital Copay€200–€600 per admission€0 (zero copay)
Surgery CostsSubject to copay100% covered, no copay
ICU StayCopay applies dailyFully covered
Specialist Consultation (in hospital)Copay may applyIncluded, no copay
Monthly Premium€22–€50€59.90–€107.23
Best If...You rarely need hospitalYou want zero surprises

Decision guide: If you expect <1 hospital admission in 5 years, copay plans work fine. If you have chronic conditions or family history of major illness, no-copay is worth the premium.

All Sanitas Plans

Compare Sanitas Plans With Hospitalisation

Choose between copay and no-copay hospital cover. All plans below include 100% hospitalisation.

Copay Plans: Hospital Cover with Copay

Budget-friendly premiums, but you pay per hospital admission.

from €22.10 /month

Sanitas Accede

Best for: Budget-conscious, rare hospital needs

  • Hospital: €200 copay per admission
  • Emergency covered immediately
  • Sanitas network (900+ clinics)
  • Outpatient + hospitalisation
from €33.60 /month

Sanitas Avanza

Best for: Moderate coverage, good value

  • Hospital: €100 copay per admission
  • Wider specialist access
  • Diagnostic tests included
  • Emergency + planned procedures
from €41.67 /month

Sanitas Más Salud Plus

Best for: Excellent value, dental included

  • Hospital: €50 copay per admission
  • Dental care included
  • Blua telemedicine
  • Widest outpatient access

No-Copay Plans: 100% Hospital Cover

Zero hospital copayments. Peace of mind for major medical events.

No Copay
from €59.90 /month

Sanitas Más Salud

Best for: Complete hospital cover, no copay

  • Hospital: €0 copay
  • All hospital services covered
  • Unlimited dental (annual cap)
  • No waiting periods (emergencies)
No Copay
from €57.96 /month

Sanitas Top Quantum

Best for: Premium, worldwide hospital cover

  • Hospital: €0 copay (Spain + worldwide)
  • Private room option
  • Medical repatriation included
  • 24/7 international support
No Copay
from €94.00 /month

Sanitas Premium 500,000

Best for: Maximum limit, unlimited benefits

  • Hospital: €0 copay (€500k limit)
  • Unlimited dental treatments
  • Priority specialist access
  • VIP concierge service
Hospital Procedures

What Hospitalistion Covers By Procedure

Examples of inpatient procedures covered under all Sanitas hospitalisation plans.

Emergency Admissions

  • ✓ Acute chest pain
  • ✓ Severe accidents/trauma
  • ✓ Acute appendicitis
  • ✓ Stroke or neurological emergency

Planned Surgery

  • ✓ Hip/knee replacement
  • ✓ Hernia repair
  • ✓ Cataract removal
  • ✓ Varicose vein surgery

Cardiovascular

  • ✓ Bypass surgery
  • ✓ Stent placement
  • ✓ Pacemaker insertion
  • ✓ Valve replacement

Cancer Treatment

  • ✓ Chemotherapy (day hospital)
  • ✓ Radiation therapy
  • ✓ Surgical resection
  • ✓ Palliative care
FAQ

Common Questions About Hospitalisation Cover

Are emergency admissions covered immediately or after waiting periods?

Emergency hospital admission is covered immediately, even on day 1 of your policy. No waiting period for emergencies. Planned procedures may have 30–90 day waiting periods.

Do I choose my hospital or does Sanitas?

You choose from Sanitas network hospitals (200+ major hospitals and 700+ clinics). In emergencies, go to the nearest hospital and Sanitas will cover it if you notify them.

What if I'm admitted to a private hospital vs public hospital?

Sanitas covers private hospital admissions only (they're part of the network). Public healthcare (SNS) is free for residents, but Sanitas doesn't cover it. Use Sanitas for private hospital access.

Can I get a private room in hospital?

Standard plans include semi-private accommodation. Premium plans like Sanitas Top Quantum offer private room upgrades (sometimes at additional cost). Ask your Sanitas agent about private room options.

Does hospital cover include rehabilitation after discharge?

Immediate post-hospital rehabilitation is included. Extended rehabilitation or physiotherapy may require a separate outpatient benefit (which all Sanitas plans have).

What's the maximum hospital coverage amount?

Most plans have annual coverage limits (€100k to €500k+). Premium plans like Sanitas Premium 500,000 offer €500k+ limits. Check your plan's specific limits.

Sanitas

Sanitas is Spain's leading private health insurer — trusted by expats, families, and visa applicants across the country.

58,000+ Healthcare Professionals
4,500+ Medical Centres
Zero Waiting Periods on selected plans
Since 1954 Trusted in Spain

Get Your Personalised Quote

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.

  • Exact price based on your age & province
  • Cover starts on the date you choose
  • English-speaking advisors
  • All Sanitas plans compared
  • Same-day response

Request a Quote — Hospitalisation Insurance

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