Sanitas Health Insurance Mas Salud

Health insurance — Sanitas Mas Salud

The Mas Salud insurance policy gives you access to all the specialists in the Sanitas network. Also included is Sanitas Dental 21, giving you access to all Sanitas' own dental clinics and also emergency service when travelling abroad.

NEWS: If you are spending a lot of time outside of Spain, now you can get a free choice of specialists and medical centres with the option to set a cap of €150.000 or €300.000 for your trips abroad*
* minimum stay in Spain of 6 months a year. Medical assistance in the USA is not included.

  • Primary care
  • Specialist care
  • Surgery
  • Diagnoses and analyses
  • Gynaecology
  • In-patient hospital care with or without surgery
  • Dental care; the insurance includes 25 free treatments and 20% discount on other treatments you may need.
  • Option of a “second opinion” from top-level doctors.
  • Emergency service when travelling abroad in partnership with Europ Assistance. Max. €12,000 per person/event.
  • Sanitas 24 Hours — telephone service for 24-hour advice.
  • Sanitas Welcome — 24-hour customer service to answer any administrative questions you may have.
  • Sanitas Responde — free, personal health advice and support if you have a medical condition requiring regular check-ups.
  • online services where you can download analyses, test results and find out details of your nearby hospital or doctor.
WAITING TIMES (from the date on which you signed the contract)
  • Outpatient surgery: 3 months
  • Radiotherapy, chemotherapy, cobolt therapy, radioactive isotopes, linear accelerators, scanner, magnetic resonance imaging, nuclear medicine, bone density analysis, lithotripsy, digital arteriography, interventional neuroradiology and prostate hyperthermia: 10 months
  • High-technological diagnosis tests: 6 months
  • Childbirth and caesarean sections: 8 months
  • In-patient hospital care and surgical procedures: 10 months
Age limit
  • The policy can be taken out until your 75th birthday.
Additional payment

You can choose to take out a policy with or without additional payment for doctor's and dentist's appointments. The following applies if you choose an option with additional payment:

  • 0 — 6 services: 0€
  • 7 — 10 services: 4€
  • 11 — 15 services: 7€
  • More than 15 services: 10€
  • Dentist's appointment: 3€
  • Frequent treatments: 12€
    • 10 visits to a physiotherapist
    • 30 days' oxygen treatment
    • 30 days' BPAP and CPAP
    • 15 days' Aerosol
    • 15 visits for ventialtion therapy
    • Preparations before childbirth
  • 0 — 3 services: 4€
  • 4 — 10 services: 7€
  • 11 — 15 services: 10€
  • More than 15 services: 15€
  • Dentist's appointment: 3€
  • Frequent treatments: 20€
    • 10 visits to a physiotherapist
    • 30 days' oxygen treatment
    • 30 days' BPAP and CPAP
    • 15 days' Aerosol
    • 15 visits for ventilation therapy
    • Preparations before childbirth
  • 4% - yearly payment
  • 2% - 6 months' payment
  • 1% - 3 months' payment
Optional extras

You have the option to choose from the following additional cover:

  • Reimbursement add-on — free choice of specialist and medical centre with the option to set a cap of €150.000 or €300.000 for your trips abroad – Minimum stay in Spain of 6 months a year. MEdical assistance in the USA is not included. 
  • Repatriation guarantee — transfer of the insured and a companion to the country of origin in case of death of the insured
  • Global payment — access to specialists and hospitals outside Sanitas' network with payment of healthcare costs. The policy can be adapted to your needs
  • Sanitas subsidy — provides payment for every day the insured is in hospital.
  • Medication — provides 50% reimbursement of the total cost of medication prescribed for your treatment by a Sanitas doctor (up to €200 per person/year).
  • Optician's — reimbursement of 50% of the amount for contact lenses and prescription glasses up to a limit of €300 per insured person/year.
  • Accident — payment in the event of death or permanent disability as a result of an accident.
  • Traffic accident and accident at work — healthcare as a result of a traffic accident, accident at work or occupational illness.
  • Alternative medicine
  • Cover in the USA — provides you with access to the best clinics in the USA.