The lowest-cost Sanitas copay plan for young, healthy residents already in Spain. Small copayments per visit keep premiums exceptionally low. Perfect if you rarely visit the doctor.
This is Sanitas's most budget-friendly copay plan, designed for budget-conscious residents who are in good health and don't expect frequent doctor visits. You pay a small copay at each visit (€3–€8 for GP, €5–€15 for specialists), keeping your monthly premium at just €71.15.
Sanitas Más 90.000 is a copay plan and is NOT accepted by Spanish consulates for Non-Lucrative Visa (NLV) or Digital Nomad Visa (DNV) applications. If you're applying for a visa, you must use a no-copay plan instead. See our no-copay plans guide.
Here's what you'll pay out-of-pocket for common medical visits. All other costs are covered by your insurance.
| Service Type | Typical Copay | Notes |
|---|---|---|
| GP / General Doctor Visit | €3–€5 | Standard consultation at any Sanitas-affiliated clinic |
| Specialist Consultation | €5–€15 | Cardiologist, dermatologist, etc. (varies by specialty) |
| Emergency Room (ER) | €10–€20 | Urgent care not requiring hospitalisation |
| Diagnostic Tests (blood, X-ray, etc.) | €0–€5 | Most routine tests covered; some specialised tests may have small copay |
| Hospital Admission / Surgery | €0 | 100% covered — no copay for hospitalisation |
| Ambulance (emergency) | €0 | Fully covered for urgent medical emergencies |
Comprehensive coverage across Spain's Sanitas network, with small copayments keeping the cost down.
This plan is ideal for a specific profile of resident. Consider whether it matches your situation.
How does this budget plan compare to mid-range and premium copay options?
| Feature | Sanitas Más 90.000 | Sanitas Avanza | Sanitas Accede |
|---|---|---|---|
| Monthly Cost | €71.15 | ~€35–€40 | ~€25 |
| GP Copay | €3–€5 | €3–€4 | €4–€6 |
| Specialist Copay | €5–€15 | €5–€10 | €8–€12 |
| Hospital Limit | €90,000 | €180,000+ | €60,000 |
| Annual Copay Cap | €360–€400 | €300–€350 | €400 |
| Telemedicine (Blua) | Optional add-on | Included | Optional |
If you're applying for a visa or prefer zero copayments, explore Sanitas no-copay alternatives.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Más 90.000 members budget-friendly access to the Sanitas specialist network — small copayments per visit keep monthly premiums at their lowest while delivering full outpatient coverage.
Get answers to common questions about Sanitas Más 90.000 and copay plans in Spain.
This plan uses the copay model to keep premiums low. Instead of paying high monthly fees, you pay small amounts per visit. The €90,000 hospitalisation limit (instead of €150,000+) also reduces the cost. For healthy people who rarely visit doctors, this model saves thousands per year.
No. Spanish consulates specifically reject copay plans for Non-Lucrative Visa (NLV) and Digital Nomad Visa (DNV) applications. You must have a no-copay plan. However, if you're already a resident and not applying for a visa, copay plans are perfect and save you money.
The €90,000 limit covers 12 months of hospitalisation coverage. For most residents, this is more than enough. If for some reason you need more, you should consider upgrading to Sanitas Avanza (€180,000+ limit) or a no-copay plan. You can change plans during your renewal period.
Most Sanitas copay plans (including Más 90.000) cap total copayments at €360–€400 per calendar year. Once you reach this cap, all remaining doctor visits, specialist consultations, and emergency visits for the rest of that year are completely free. The cap resets January 1st.
No. Emergency ambulance, emergency admission to hospital, and all hospital care are 100% covered with zero copayments. Copays only apply to outpatient visits (GP, specialist, urgent care). Hospitalisation is always fully covered.
Most Sanitas plans have a waiting period of 12 months for certain pre-existing conditions and non-emergency services (maternity, dental, etc.). Emergency care and accident coverage are immediate. Check the full terms for details or contact us.
Yes. Sanitas Más 90.000 can be extended to cover family members. Each family member pays a separate premium based on their age. Family plans often offer a small discount compared to individual policies. Request a family quote for exact pricing.
Simple: visit any Sanitas-affiliated clinic or hospital and show your insurance card. The clinic bills Sanitas directly, and you pay only the copay amount on the spot. No need to claim or seek reimbursement — it's all handled at the point of care through direct billing.
We'll calculate your exact price, confirm any available discounts, and have everything ready for you to go live the same day.
Compare with other budget and mid-range copay options from Sanitas.