Sanitas Premium 500,000 Health Insurance Spain | From €94.00/Month | No Copay + Worldwide Cover

No Copay €500k Worldwide All Extras INCLUDED

Sanitas Health Insurance — Premium Sanitas Premium
500,000

Spain's most complete hybrid health insurance plan. Full no-copay access to the Sanitas network plus €500,000 worldwide reimbursement cover — including 100% in the USA. Dental, pharmacy and optical all bundled as standard.

No copayments in Spain

€500,000/year worldwide limit

100% cover in the USA

Dental, pharmacy & optical included

See any doctor, anywhere in the world

Hospitalisation allowance included

Get a Free Quote → View Full Coverage

Sanitas Premium 500,000 Premium

Plans from

€ 94.00 /month

Per person, per month. Your exact premium depends on age & province.

ProviderSanitas (Bupa)

Copayments (Spain)None

Worldwide limit€500,000/year

Out-of-network reimb.90% (100% in USA)

Dental✓ Included

Pharmacy✓ Included

Optical✓ Included

Max age at entry64 years

EU Residency Card✓ Accepted

NLV / DNV Visa✗ Not accepted

Applying for a visa? This plan is not accepted for NLV, DNV or residency applications. Take a look at:

→ Sanitas Residents → Sanitas Residents Platinum

✓No copayments on any service in Spain

✓€500,000/year worldwide reimbursement

✓90% reimbursement — 100% in the USA

✓Dental, pharmacy & optical bundled

✓See any doctor, anywhere in the world

✓Hospitalisation allowance included

Plan Summary

Premium 500,000 — At a Glance

✓No copayments in Spain — zero at every appointment, test or hospital visit
€€500,000/year worldwide reimbursement — any doctor, any hospital, any country
✓90% reimbursement out-of-network — 100% in the United States (prior authorisation required)
✓Full Sanitas network in Spain — 58,000+ professionals, 4,500+ centres
✓Sanitas Dental — 50+ dental services, 80% reimbursement, up to €400/year
✓Pharmacy cover — 50% reimbursement on prescribed medicines, up to €300/year
✓Optical cover — 50% reimbursement on prescribed contact lenses and spectacle lenses
✓EU Residency Card applications — accepted
✓Hospitalisation allowance — €60/day towards out-of-pocket expenses during hospital stays
✓International emergency cover — €12,000/trip for stays abroad up to 90 days
✓Mi Sanitas app — manage cover, book appointments and consult in English

About This Plan

What is Sanitas Premium 500,000?

Sanitas Premium 500,000 is a hybrid health insurance plan — uniquely combining full no-copay access to the entire Sanitas network in Spain with a €500,000 per year worldwide reimbursement layer. It is the only Sanitas plan that gives you total freedom: use any Sanitas centre in Spain with zero out-of-pocket costs, or see any doctor or hospital anywhere in the world and be reimbursed.

Out-of-network reimbursement is at 90% worldwide — rising to 100% in the United States (with prior authorisation), making this one of the very few plans on the Spanish market that offers full-cost cover for US medical treatment.

Unlike entry-level plans, Premium 500,000 bundles Sanitas Dental (50+ procedures, up to €400/yr), Pharmacy (50% reimbursement, up to €300/yr), Optical cover, and a Hospitalisation Allowance — giving genuinely comprehensive protection in a single policy.

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Hybrid model explained: When you're in Spain, use any Sanitas centre — no forms, no claims, zero cost. When you're anywhere else in the world, see whoever you like and submit a reimbursement claim — Sanitas pays back 90% (100% in the USA).

Get a quote →

Choose your planTell us if you want pure Spain cover or worldwide freedom — we'll show you whether Premium 500 or another plan is the better fit.

Get your quoteTell us your age and province. We provide a personalised price including any applicable discounts, with no obligation.

Start your policyChoose your start date. Pay by international card and receive your Mi Sanitas app access on the same day.

What's Covered

Full Cover Breakdown

In-network Spain cover has no copayments. Click each section to expand. Out-of-network and worldwide reimbursement details are in the Worldwide Cover section below.

👨‍⚕️General Medicine & Specialists▼

✓
General medicine (GP) — unlimited consultations at Sanitas health centresIncludes prescription of basic diagnostic tests and general radiology
✓
All medical specialities — cardiology, dermatology, neurology, oncology, ophthalmology, orthopaedics, urology, ENT, gynaecology and more
✓
Video consultations with specialists — all specialities, including your usual doctor
✓
Basic diagnostics — blood tests, urine tests, simple radiology
✓
High-technology diagnostics — CT scans, MRIs, nuclear medicine, endoscopy, neurophysiology6-month waiting period applies
✓
Ultrasound scans, allergy tests, echocardiograms
✓
Preventive medicine across 6 specialities — cardiology, gynaecology, urology, gastrointestinal, pneumology, paediatrics
✓
International second opinion — access to leading global specialists for serious chronic diagnoses
✓
24-hour telephone medical service — doctors available every day for advice, prescriptions and test interpretation
✓
24-hour emergency video consultations via Mi Sanitas app — 365 days a year

🏥Hospital & Surgery▼

✓
Inpatient hospitalisation in a private single room with en-suite bathroom
✓
Companion bed — one companion can stay overnight throughout any hospital stay
✓
Accommodation, meals and medication during the hospital stay — all covered
✓
Surgical interventions across all specialities — all medical fees and surgery costs included
✓
Interventional cardiology and haemodynamics
✓
Interventional radiology
✓
Radiotherapy and chemotherapy — cancer treatment included
✓
Lithotripsy (kidney stone treatment)
✓
Day hospital and outpatient surgery
✓
Intensive Care Unit (ICU)
✓
Ambulance transfers — to/from hospital, between hospitals, for chemotherapy and radiotherapy
✓
24-hour emergency care at permanent Sanitas emergency centres

🌍Worldwide Out-of-Network Cover — €500,000/Year▼

⭐

The defining feature of this plan. See any doctor or hospital anywhere in the world — Spain or internationally — and Sanitas will reimburse 90% of the cost. In the United States, reimbursement rises to 100% (prior authorisation required). Annual limit: €500,000 per insured.

✓
Any doctor, clinic or hospital — in Spain (out of Sanitas network) or anywhere in the world
✓
90% reimbursement globally — you pay 10%, Sanitas reimburses 90%
✓
100% reimbursement in the United StatesPrior authorisation by Sanitas is required for USA treatment
✓
€500,000 annual benefit limit per insured person
✓
Covers GP visits, specialist appointments, diagnostics, surgery, hospitalisation — all eligible for reimbursement
✓
Claims submitted to Sanitas with supporting documentation — reimbursed directly to your bank account

🦷Sanitas Dental — Bundled▼

🦷

Sanitas Dental is bundled with this plan — not an add-on. More extensive than Dental 21: over 50 dental services, 80% reimbursement on treatments up to €400 per person per year, with access to all Milenium dental centres.8-month waiting period applies to dental cover.

✓
50+ dental services included within the Sanitas dental network
✓
80% reimbursement on dental treatments — up to €400 per person per year
✓
Discounts of up to 40% on non-included services — transparent, pre-agreed pricing
✓
Access to all 21 Milenium Dental Centres — advanced technology, all dental specialities
✓
Dental network across Spain — consultations, cleaning, X-rays, extractions and more

💊Pharmacy Cover — Bundled▼

✓
50% reimbursement on prescribed medicationsUp to €300 per person per year
✓
Covers a wide range of prescription medicines dispensed at pharmacies
✓
Reimbursement on submission of pharmacy receipts and prescription

👓Optical Cover — Bundled▼

✓
50% reimbursement on prescribed contact lenses and spectacle lensesMust be prescribed by a Sanitas optician; renewed annually
✓
Cover renewed each policy year — not a one-off benefit

🏨Hospitalisation Allowance▼

✓
€60 per day towards out-of-pocket expenses during any hospitalisationApplies when hospitalised for illness or accident where expenses are not covered by the plan
✓
Provides financial relief during longer hospital stays — helps cover transport, incidentals and daily expenses for family members

✈️International Emergency & Travel Assistance▼

✓
Emergency healthcare abroad — for stays up to 90 consecutive daysAnnual limit: €12,000 per insured per trip
✓
Emergency dentistry abroad — covered within the emergency limit
✓
Body repatriation in the event of death abroad
✓
Legal assistance abroad — up to €1,500
✓
Early return of accompanying family members

📱Digital Health — Blua & Mi Sanitas App▼

✓
Video consultations with specialists — all specialities, including your usual doctor
✓
24-hour emergency video consultations — general medicine, 365 days a year
✓
Digital health programmes — Nutrition, Psychology, Stop Smoking, Chronic Disease Monitoring and more
✓
Book appointments — filter for English-speaking doctors and book instantly
✓
Digital health file — all records, test results, prescriptions and authorisations in one place
✓
Available in English, Spanish, German and French

Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's leading private health insurer. Premium 500,000 is the flagship plan for those who want the security of the Sanitas network in Spain combined with the freedom to access any medical facility anywhere in the world — with a €500,000 annual reimbursement limit and 100% cover in the USA.

58,000+Doctors & specialistsFull Sanitas network in Spain

€500kAnnual worldwide limitPer insured person per year

100%USA reimbursementWith prior authorisation

4Extras bundledDental, pharmacy, optical & allowance

Available Discounts

Discounts on Sanitas Premium 500,000

Sanitas offers three types of discount on the Premium 500,000 plan. Discounts are applied to your annual premium at the time of quotation.

Group Discount

Number of Insured

A 5% discount applies when there are more than 4 insured persons on the same policy. Ideal for families or groups insuring together.

Payment Method

Payment Frequency

4% discount for paying annually in one payment. 2% discount for paying semi-annually (every 6 months). Monthly payment carries no discount.

Loyalty Discount

Age & Loyalty

A 5% discount applies for policyholders aged 65 or over, and for those who have been continuously insured with Sanitas for 25 or more years.

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Ask us to apply any discounts when you request your quote — we'll calculate your exact premium including all applicable reductions. Discounts may be combined where applicable.

Policy Conditions

Waiting Periods — Sanitas Premium 500,000

Like all Spanish private health insurance plans, Premium 500,000 has waiting periods for certain treatments. Emergencies are covered from day one. Most services become available within 3–10 months.

💡

Transferring from another Spanish insurer? If you have had continuous cover with another Spanish insurer (or a Bupa Group entity) for more than one year, Sanitas will waive all waiting periods except childbirth. You simply need to provide your prior policy details and most recent premium receipt when you apply.

Immediate

Vital emergencies & accidents
GP & specialist consultations
Routine diagnostic tests
Travel assistance

3 Months

Outpatient surgery (Group 0–II)
Day hospital procedures

6 Months

CT scans, MRIs, nuclear medicine
Endoscopy, interventional radiology
Clinical psychology
20-week pregnancy anomaly scan

8 Months

Term childbirth (37+ weeks)
Pregnancy-related hospitalisation at term
Sanitas Dental (bundled cover)

10 Months

Major hospitalisation & inpatient surgery (Group III–VIII)
Radiotherapy, chemotherapy, lithotripsy
Vasectomy / tubal ligation
Complex therapeutic methods

60 Months

Bariatric surgery / morbid obesity surgery

Waiting period waiver: If transferring from any Spanish insurer or Bupa Group entity with at least 1 year of continuous cover, Sanitas will waive all waiting periods except childbirth — on provision of your prior policy conditions and last premium receipt.

Compare Your Options

How Does Premium 500,000 Compare?

Browse all Sanitas plans to find the right level of cover for your needs and budget.

This Plan

Premium 500,000

From€94.00/mo

No Copay€500k WorldwideEU Residency

✓ No copayments in Spain
✓ €500,000/yr worldwide limit
✓ 100% cover in the USA
✓ Dental, pharmacy & optical bundled
✗ Not for NLV / DNV visa

Más 90,000

From€71.15/mo

No CopayHigh LimitEU Residency

✓ No copayments
✓ €90,000 annual benefit limit
✓ Full Sanitas network access
✗ No worldwide reimbursement
✗ Not for NLV / DNV visa

Sanitas Health Insurance — Premium Sanitas Premium500,000

Premium 500,000 — At a Glance

What is Sanitas Premium 500,000?

Full Cover Breakdown

Discounts on Sanitas Premium 500,000

Waiting Periods — Sanitas Premium 500,000

How Does Premium 500,000 Compare?

Frequently Asked Questions

Download the Official Policy Documents

Get Your Sanitas Premium 500,000 Quote

Quick Quote — Premium 500,000

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500,000