Autónomos and self-employed workers in Spain often need more than standard private healthcare. If you cannot work due to illness, accident or hospitalisation, the impact can be immediate — especially if your income depends directly on your own time. Sanitas add-ons may help self-employed people strengthen their cover with extra protection for hospitalisation, income disruption, work-related accidents, traffic accidents, digital healthcare and regular health costs.
Why review extras
Autónomos may need extra cover because:
At a glance
| Add-on | Why autónomos consider it |
|---|---|
| Income protection | Daily support if hospitalised |
| Protección Total | Broader self-employed protection |
| Traffic / work accidents | Medical assistance for eligible work / traffic accidents |
| Blua | Digital consultations to save time |
| Pharmacy reimbursement | Eligible prescribed medication costs |
| Worldwide reimbursement | Wider provider choice for travelling professionals |
| Travel assistance | Emergency help while abroad |
| Accidental death / disability | Extra financial protection for dependants |
The key add-ons
Daily hospitalisation support when time off work would hit your income. See income protection.
Broader autónomo-focused protection. See Protección Total.
Useful for commuters, drivers, manual workers and mobile professionals. See traffic & work accidents.
Video consultations and digital healthcare to save time. See Blua digital health.
Day-to-day cost support for prescriptions, glasses and contact lenses. See pharmacy reimbursement and optical cover.
Useful for autónomos who travel abroad or work internationally. See worldwide reimbursement and travel assistance.
Important
No. Sanitas add-ons should be seen as private complements, not replacements for Seguridad Social or public entitlements.
Start with the right <a href="/health-insurance-autonomos-spain/">self-employed health insurance</a> plan.
Confirm whether you need visa or residency cover.
Decide how illness or hospitalisation would affect you.
Driving, travel and accident exposure.
Blua, pharmacy and optical.
Ask which extras are available, then get a personalised quote.
Get help
Spanish Health Insurance helps English-speaking autónomos, freelancers and business owners in Spain compare Sanitas add-ons and request a personalised quote.
Tell us about your self-employed situation and we will suggest which Sanitas extras may suit you, check availability and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll suggest the add-ons that protect your income and time — free advice in English.
FAQs
Common questions about Sanitas add-ons for autónomos in Spain.