Sanitas Health Insurance Spain Sanitas Más 90.000
Sin Copago

"Sin Copago" means without copayments. Every GP visit, specialist consultation, A&E attendance, diagnostic test, and hospital admission within the Sanitas network is covered in full — you never pay anything at the point of care. The only costs are your monthly premium.

When you choose to see a private doctor or specialist outside the Sanitas network — in Spain or anywhere in the world — you pay the full cost upfront, then submit the invoice and receipts to Sanitas. They reimburse 70% of the eligible cost, up to €90,000 per year per insured person. Dental reimbursement is separate: 60% of cost at Sanitas-appointed dental clinics, up to €200 per year.

No. Spanish consulates require health insurance with no annual coverage cap for NLV and DNV applications, and Más 90.000 Sin Copago has a €90,000 annual limit. The only Sanitas plans approved for visa applications are Sanitas Residents and Sanitas Residents Platinum. If you need insurance for a visa, please see those pages.

If you are hospitalised at a private facility outside the Sanitas appointed network, Sanitas pays €69 per day as a daily benefit — up to a maximum of 90 days per year. This is designed to help cover incidental expenses (transport, meals, additional costs) during stays at non-network hospitals. It is separate from the main 70% reimbursement.

Emergency care and GP visits are available from day one. Planned services have standard waiting periods: 3 months for Groups 0–II surgery, 6 months for complex diagnostics and psychology, 8 months for childbirth and dental, and 10 months for hospitalisation and major surgery. If you are transferring from another Spanish health insurer with at least 1 year of continuous cover, Sanitas may waive waiting periods — ask us when requesting your quote.

Yes. Children and partners can be added as additional insured persons. Each person pays a separate age-rated premium. Newborns can be added from birth. Family policies often benefit from multi-person discounts — ask us for a family quote when you get in touch.

The maximum age to start a new Sanitas Más 90.000 Sin Copago policy is 64 years. Once the policy is active, it can be renewed regardless of age. If you are over 64, please contact us — we can advise on suitable alternatives including the Sanitas International Residents plan.

Yes. Sanitas accepts payment by international credit or debit card, Spanish IBAN (SEPA direct debit), and EU IBAN (SEPA direct debit). You do not need a Spanish bank account to take out a policy. Cover can start the same day in most cases.

Yes. Más 90.000 Sin Copago is accepted for EU residency applications where the requirement is to demonstrate comprehensive private health insurance cover in Spain. Unlike the NLV and DNV, EU residency applications do not require unlimited annual coverage — the €90,000 annual limit satisfies the standard documentation requirement. If you are unsure whether this plan meets your specific consulate's requirements, contact us before applying and we can advise.

Both plans have zero copayments within the Sanitas network — that's the main shared feature. The key difference is reimbursement. Más Salud Sin Copago is a pure network plan: all care must be within Sanitas clinics and there is no reimbursement for private care outside the network. Más 90.000 Sin Copago adds a second layer — 70% reimbursement up to €90,000/year for any private doctor or hospital outside the network, anywhere in the world. If you want the freedom to see non-Sanitas specialists or access care abroad and have Sanitas cover part of the cost, Más 90.000 is the better fit. If you'll use the Sanitas network exclusively and want a lower premium, Más Salud Sin Copago is the simpler choice.