Sanitas Health Insurance for Professionals

Health insurance in Spain for the self-employed /autónomos

The most complete health insurance for the working population in Spain.

Sanitas Professionales/Autónomos provides you with access to comprehensive medical care and the insurance premium can be deducted on your tax return. The first €500 (for an employee's family members) is exempted from income tax.

  • Primary Care
  • Specialist Care
  • Emergency Healthcare
  • Paediatrics
  • Diagnoses and analyses
  • In-patient hospital care, with or without surgical procedure
  • Dental care, including more than 50 free treatments and 40% discount on other treatments you may need
  • Option of a “second opinion” from the best doctors.
  • Emergency service when travelling abroad in partnership with Europ Assistance. Max. €10,000 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)
  • Out-patient surgery: 3 months
  • Radiation therapy, chemotherapy, cobolt therapy, radioactive isotopes, linear accelerator, scanner, magnetic resonance, nuclear medicine, bone density test, lithotripsy, digital arteriography, radio neuroradiology and prostate hyperthermia services: 6 months
  • High-technological diagnostic tests: 6 months
  • Psychology: 6 months
  • In-patient hospital care, surgical procedures: 10 months
  • Child birth: 8 months
Age limit
  • The policy can be taken out until your 75th birthday.
Personal contributions

If you choose a policy where you make your own contributions (to reduce your premium), you receive the following additions:

  • 0–6 services: Free
  • 7–10 services: €5
  • 11–15 services: €7
  • More than 15 services: €10
  • 4% — yearly payment
  • 2% — 6 months' payment
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.
  • Repatriation guarantee – transfer of the insured and a companion to the country of origin in case of death of the insured.
  • 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.