The most competitively priced Sanitas health plan for self-employed professionals in Spain — full surgery, hospitalisation, and exclusive autónomo Total Protection benefits. A small tiered copay applies per service, keeping your monthly premium as low as possible.
Profesionales Óptima uses a tiered copay model where a small charge applies to every service from the very first visit. The charge starts at €4 per service and rises gradually depending on how many services you use that year. There is no annual cap on the standard copay — but for most light users, total annual copay costs remain very modest.
Sanitas Profesionales comes in three variants: No Copay (Profesionales), Mid Copay (Profesionales Plus), and Low Copay (this plan). Óptima has the same core coverage as the other two — but does not include dental cover or the death from accident benefit. If budget is the priority and you use the plan infrequently, Óptima delivers the best value.
Profesionales Óptima covers the same core healthcare as the other two variants — with a small copay per service and the same exclusive autónomo benefits.
Total Protection is a support package that activates automatically when you are admitted to hospital for more than 72 hours, or are immobilised at home on medical sick leave for more than 72 hours. These benefits are exclusive to Sanitas Profesionales — they do not exist on standard health plans.
Dental 21 (40+ dental services) is included in the No Copay and Mid Copay Plus variants — but not in this Low Copay plan. If dental cover is important to you, consider upgrading to Profesionales Plus (from €49.60/month), which includes dental with only a €3 copay per service.
Profesionales Óptima uses a tiered annual model. A copay applies to every service from the very first visit, but the per-service charge is kept low — rising only if you use the plan frequently.
| Services used in the calendar year | Copay per service |
|---|---|
| Services 1 – 3 | €4 per service |
| Services 4 – 10 | €7 per service |
| Services 11 – 15 | €10 per service |
| Services 16 and above | €15 per service |
| Emergency services | €8 per visit (fixed) |
| Complex diagnostic tests * | €12 per test (fixed) |
| Complex therapeutic methods * | €12 per session (fixed) |
| High-frequency services ** | €20 per service (fixed) |
| Dental services | Not included on this plan |
| Annual copay maximum | No fixed cap — varies by usage |
* Complex tests / therapeutics: CT scans, MRI, nuclear medicine, endoscopy, chemotherapy, radiotherapy, lithotripsy — these have a fixed €12 copay regardless of how many you use.
** High-frequency services: physiotherapy (10 sessions), ventilation therapy and aerosol therapy (15 sessions), other respiratory therapies — oxygen, BPAP and CPAP (30 days), pre-natal classes. Fixed €20 copay each.
If you use the plan only 5–8 times a year, your total annual copay would be just €28–€52. That makes Óptima ideal for younger, healthier professionals who want full private health cover as a safety net — primarily for surgery, hospitalisation, or unexpected illness — without paying for services they rarely use.
If you're hospitalised or on sick leave for more than 72 hours, Sanitas activates a full support package. These benefits exist because autónomos have no employer to fall back on.
Under Spanish tax law, self-employed workers can deduct health insurance premiums from their IRPF personal income tax. The first €500 per insured person per year — policyholder, spouse and each child — is exempt.
At €37.60/month (€451.20/year), the entire annual premium for Profesionales Óptima falls within the €500 IRPF exemption — meaning the full cost is effectively tax-deductible for most autónomos. Consult your gestor or tax advisor for your specific situation.
All three variants cover the same core healthcare. The differences are in copayment levels and two additional benefits only in No Copay and Mid Copay.
| Feature | No Copay Profesionales | Mid Copay Profesionales Plus | Low Copay This plan |
|---|---|---|---|
| Monthly premium (from) | €81.00/month | €49.60/month | €37.60/month |
| Copayments per visit/test | ✓ None | €0 first 6/yr, then tiered | From €4 per service |
| Primary care & emergencies | ✓ | ✓ | ✓ |
| All medical specialities | ✓ | ✓ | ✓ |
| CT / MRI / diagnostic tests | ✓ | ✓ | ✓ |
| Surgery & hospitalisation | ✓ | ✓ | ✓ |
| Total Protection (autónomo benefits) | ✓ | ✓ | ✓ |
| Traffic & occupational accident cover | ✓ | ✓ | ✓ |
| Emergencies abroad (€12,000/year) | ✓ | ✓ | ✓ |
| Video consultation & Blua | ✓ | ✓ | ✓ |
| Second medical opinion | ✓ | ✓ | ✓ |
| Dental cover — Sanitas Dental 21 | ✓ Included | ✓ Included | ✗ Not included |
| Death from accident (€5,250) | ✓ Included | ✓ Included | ✗ Not included |
| Tax deductible (€500 IRPF exempt/person) | ✓ | ✓ | ✓ |
| Best for | Frequent users — zero out-of-pocket | Regular users — balanced cost & cover | Light users — lowest monthly premium |
Most services are covered from day one. Only the following have waiting periods:
| Service | Waiting Period |
|---|---|
| Primary care, GP, A&E, nursing, all speciality consultations, simple tests | Day 1 |
| Surgical procedures — Groups 0 to II (OMC classification) | 3 months |
| Complex diagnostic tests (CT, MRI, nuclear medicine, endoscopy) & psychology | 6 months |
| Childbirth or caesarean section | 8 months |
| Complex therapeutic methods (radiotherapy, chemotherapy, interventional cardiology, lithotripsy) | 10 months |
| Vasectomy & tubal ligation | 10 months |
| Hospitalisation & Groups III–VIII surgical procedures | 10 months |
If you have been continuously insured with a Spanish private health insurer (or any Bupa Group company) for 12 or more months, all waiting periods — except childbirth — can be reduced or eliminated on presentation of your previous policy certificate and last payment receipt.
Use the filter to find plans suited to your situation.
Prices shown are "from" prices for a 35-year-old in Madrid. Actual price depends on age and province.
Official Sanitas Profesionales Óptima documentation — all in English.
Questions we get most often about this plan.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — giving Profesionales Óptima members the lowest-cost autónomo health plan — tiered copayments, full specialist and hospital access, and the entire annual premium within the €500 IRPF exemption.
Tell us your situation and we'll confirm the exact price for Sanitas Profesionales Óptima — or compare it against the Mid Copay and No Copay variants to see which works out cheapest for your usage. No obligation, no hard sell.
With over 2.9 million people insured, Sanitas is one of Spain's leading private health insurance providers. Established in 1954 and part of the Bupa Group since 1989, Sanitas operates the largest team of medical professionals and the widest variety of specialities in Spain.
More than 58,000 professionals work across 4,500+ medical centres throughout Spain. View the Sanitas hospital and clinic network →