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Company & group policiesNative English-speaking teamExclusive Sanitas agent

Switching Company Health Insurance in Spain

Has the cost of your company health insurance gone up at renewal? Speak to Stephen Paul Gregory, native English-speaking Exclusive Sanitas Agent and Sanitas International Expert, about how a Sanitas quote compares with your current cover, and what to check before you decide.

Request a company quoteSee the comparison checklist
Three situations we help with

Reviewing your company health insurance

Most companies look at their health insurance once a year, when the renewal letter arrives. If the premium has gone up, it is a good moment to compare. Some employers move to Sanitas, some stay with their current insurer on better informed terms, and some move their team to a different Sanitas plan. A comparison is worth doing in each case.

Comparing your current policy with Sanitas

You have a renewal offer and want to know how a Sanitas quote for the same team compares on price, cover and network.

Use the checklist →

Switching insurers at renewal

You have decided to move and need the timing right, so cover continues and employees are not left with a gap.

Plan the timing →

Exploring a different Sanitas plan

You already have Sanitas and want to see whether another plan suits your workforce better as the team grows or changes.

Compare Sanitas business plans →
Comparison checklist

What to compare at renewal

Put your renewal terms and the Sanitas quotation side by side and work through each point. Any saving, and the way existing cover carries over, depends on the quotation and the terms Sanitas confirms for your company.

What to compareWhat to checkWhy it matters
PremiumThe new renewal premium per employee and in total, alongside the Sanitas quote for the same peopleA lower headline premium can be offset by copayments or narrower cover
CopaymentsWhether each policy has copayments, how much per service, and any annual limitsFrequent users of the policy pay more under a copayment plan
Employees and dependantsWho is insured now: employees only, partners, children. Who pays for family membersQuotes are only comparable when they insure the same people
Hospitals and clinicsThe hospitals, clinics and specialists your staff use near each office, checked in the Sanitas cuadro médicoCover is only useful if the facilities your people rely on are in the network
DatesYour renewal date, the notice the policy requires, and the proposed Sanitas start dateGetting the dates wrong can leave a gap or two policies running at once
Policy termsExclusions, limits, dental, overseas emergency cover and digital servicesTwo policies at a similar price can cover different things
ContinuityHow waiting periods and existing conditions are treated for employees moving acrossThis decides whether employees can carry on with treatment without interruption
Before you switch

What to confirm in writing

Before you give notice on your current policy, make sure you have the following confirmed in writing by Sanitas:

  • That the company policy has been accepted, with the agreed start date
  • The premium and the copayment position for the plan chosen
  • The list of insured employees and dependants
  • How waiting periods apply to employees moving from your current insurer
  • How any existing medical conditions are treated for your employees
  • The policy documents your HR team will need to explain the cover

Keep the current policy in place until all of this is confirmed. We will tell you what Sanitas needs from your current policy, such as the previous conditions and latest payment receipt, so you can collect it in good time.

Timing

Plan the switch around your renewal date

Spanish insurance law (Ley 50/1980, article 22) sets the main dates. Your insurer must tell you about any change to the policy at least two months before the current period ends. If you decide not to renew, the policyholder must give written notice at least one month before the end of the period. Check the notice deadline in your own policy as soon as the renewal terms arrive. That leaves time to compare a Sanitas quote and get the new policy and its start date confirmed in writing before the deadline passes.

When the renewal terms arrive

Check the deadline for giving notice straight away, then send us your approximate headcount, locations and renewal month. We prepare a Sanitas quote for the same team.

Compare in detail

Go through the checklist with us in English. Ask about any hospital, clinic or benefit that matters to your staff.

Decide and apply

If Sanitas suits you better, we help with the company application and the information Sanitas needs.

Confirm, then give notice

Once Sanitas confirms acceptance and the start date, give written notice on your current policy within its deadline.

Want a Sanitas quote to compare with your renewal?

Send us your renewal month and approximate numbers. Stephen Paul Gregory, native English-speaking Exclusive Sanitas Agent and Sanitas International Expert, will prepare a Sanitas company quotation for the same team and talk you through the comparison in English.

  • Approximate numbers are fine for a first enquiry
  • Current insurer and renewal month are optional
  • No employee medical information at this stage
Request a company quoteCompare Sanitas business plans
Sanitas business plans

Which Sanitas plan would we quote?

Sanitas offers three main company plans. Sanitas Empresas Más Digital is for companies insuring 100 or more people. Sanitas Pymes Más Digital is for smaller and growing companies. Sanitas Inicia focuses on day-to-day medical care, with hospital cover offered as an option. If you are reviewing an existing Sanitas policy, we can check whether one of the other plans now suits your workforce better.

For employers with staff in several provinces, it is worth checking the network near each site. See our guide to company health insurance in Bilbao and Bizkaia as an example of how we do that.

FAQ

Switching company health insurance: FAQ

Can we switch company health insurance at renewal?

Yes. Most employers review their cover in the weeks before the renewal date. Spanish insurance law lets the policyholder stop a policy renewing by giving the insurer written notice at least one month before the current period ends, and your policy sets out how and where that notice is given.

Keep the existing policy in force until Sanitas has accepted the new company policy and the start date is confirmed in writing.

Our renewal premium has gone up. When should we start comparing?

Start as soon as the renewal notice arrives. Your insurer has to tell you about changes to the policy at least two months before the current period ends, which normally leaves enough time to request a Sanitas quote, compare it properly and give notice if you decide to move.

Do employees have to serve new waiting periods if we switch to Sanitas?

Not necessarily. Employees who have been continuously insured with a Spanish health insurer for more than 12 months can have standard waiting periods removed when the previous policy conditions and latest payment receipt are provided, with childbirth treated separately. On larger company policies paid by the company, Sanitas may also waive waiting periods for the group. The terms that apply to your team are confirmed in the quotation.

What do we need to send for a comparison quote?

Approximate numbers of employees and dependants, where your staff are based, your renewal month and, if you have them, your current renewal premium and policy summary. A first enquiry can start with approximate figures.

Can we compare our current policy with Sanitas without committing to anything?

Yes. A quotation is not a contract. You can review it alongside your renewal terms, ask questions in English and decide afterwards. Nothing changes until you accept a policy and Sanitas confirms it.

Is the premium the only thing to compare?

No. Copayments, who is covered (employees only or families too), the hospitals and clinics near your offices, waiting periods, exclusions and the renewal terms all affect the real value of a policy. The checklist on this page covers each one.

What should we get in writing before we cancel the old policy?

The accepted Sanitas policy with its start date, the confirmed premium and copayment position, who is insured, and how waiting periods and any existing conditions are treated for your employees. Once those are confirmed, give notice on the old policy as its terms require.

Company enquiry

Request a company quote

Tell us your renewal month and roughly how many people you insure. We will prepare a Sanitas quote you can compare with your current cover. No employee medical details are needed at this stage.

Which best describes your situation?

We reply in English, Monday to Friday, 9:00 to 18:00 Spain time. Your details are used only to respond to your enquiry.

Prefer to talk first? Contact our English-speaking team

Spanish Health Insurance is an exclusive insurance agent of Sanitas S.A.. Registered agent: Stephen Paul Gregory, DGSFP registration C0320Y2155969D, and a Sanitas International Expert.