Individuals

Sanitas ACCEDE: Your first health insurance for only €22.10* with Blua included FOREVER

What does Blua include in your policy?

• Video consultation in every speciality.
• Check your health: service focused on preventative healthcare
• Take Care of Your Mind: digital psychology service so you can take care of your mental and emotional health.
• Digital Physio: so you can prevent future injuries and treat any symptoms. You can find preventive, treatment and physical rehabilitation exercises online that you can do every day
• Check your symptoms: if you're feeling unwell, or simply don't know what doctor to go to, in a few seconds, by answering a few questions, we'll give you:
  • A probable diagnosis.
  • The appropriate medical speciality to help you.
  • Recommended actions.
• Digital health programmes: includes monitoring by our Health Prevention professionals:
  • Pregnancy programme.
  • Nutrition programme.
  • Personal Trainer Programme.
  • Child health programme.
     

Sanitas Accede is the insurance policy with in-person medical care (primary care and specialities, with no limit) and all the advantages of digital medicine. Access to more than 58,000 doctors, 4,500 health centres across Spain, and 5 hospitals. You can choose the centre that best suits your needs for a face-to-face appointment, or have an online appointment with your usual doctor wherever you are.

Healthcare:

• Primary care (general medicine, paediatrics, nursing).
• Access to all medical specialities (cardiology, gynaecology, dermatology, ophthalmology, etc.).
• Simple diagnostic tests (ultrasounds, blood tests, etc.).
• Simple therapeutic methods (rehabilitation, aerosol therapy, etc.).
• Basic dental coverage: consultations, wound care, dental cleanings, and extractions.
• Video consultation with specialists. Connect easily and without travelling with over 3,600 doctors available across all specialities: General medicine, paediatrics, gynaecology, etc. No limit on consultations.
• 24-hour video consultation service for emergencies. No appointment. Available for general and paediatric emergencies.
• Personalised digital health plans and video consultation. Choose the one that's right for you: personal trainer, nutrition, pregnancy, child health, etc.
   

It's time to come to Sanitas.

*You can check the prices of the different products marketed by SANITAS at https://www.sanitas.es/seguros/seguros-medicos-privados/precio-seguros-medicos. Premiums valid for new policyholders who sign up between 01/07/2025 and 31/12/2026. These premiums will be subject to a 0.15% surcharge from the Insurance Compensation Consortium. Premiums may vary depending on the insured's place of residence. The maximum age for taking out a policy is 59 years. There is no age limit for continuing coverage. New insured person: anyone who has not been on another Sanitas policy in the 6 months immediately prior to the date they are added to the new policy.

Sign up now and get 'My Farmagen' FREE* + Blua included + 10% off the family pack⁽¹⁾

What is 'My Farmagen'?

Program that will help you improve the choice of medications based on your genetic information.

Advantages

• We will analyse how your genetic variants influence your response to medications. 
• You will learn how your body metabolises certain medications, in order to increase their effectiveness and reduce potential side effects.  
• You can share it with your doctor so they can prescribe personalised medications.

What it includes

• Analysis of 29 genes and more than 120 commonly used drugs, to apply this information to all medical specialities and in different clinical areas. 
• Detailed report of your reaction to those 120 drugs, which will allow your doctor to prescribe the most suitable medications. 

How do I access My Farmagen?

Now FREE with your Sanitas insurance.
  

What does Blua include in your policy?

• Video consultation in every speciality.
• Check your health: service focused on preventative healthcare
• Take Care of Your Mind: digital psychology service so you can take care of your mental and emotional health.
• Digital Physio: so you can prevent future injuries and treat any symptoms. You can find preventive, treatment and physical rehabilitation exercises online that you can do every day
• Check your symptoms: if you're feeling unwell, or simply don't know what doctor to go to, in a few seconds, by answering a few questions, we'll give you:
  • A probable diagnosis.
  • The appropriate medical speciality to help you.
  • Recommended actions.
• Digital health programmes: includes monitoring by our Health Prevention professionals:
  • Pregnancy programme.
  • Nutrition programme.
  • Personal Trainer Programme.
  • Child health programme.  
      

More insured persons, more advantages. 10% permanent discount for all policies with 4 or more insured persons⁽¹⁾.

Remember that if you choose annual payment,you will have an additional 4% discount. Take this opportunity now and avoid waiting periods. If you come to Sanitas and had comprehensive health insurance with another company in Spain for at least 1 year, you will not be subject to waiting periods in your new policy, except in the case of childbirth. On one of the screens in the contracting process or after confirming the contract, you will need to provide a copy of the particular terms and conditions of your previous policy (or your health card if the registration date is included) and the last bill for this policy or proof of payment.

It's time to come to Sanitas.
 

*New contracts for the Más Salud, Más Salud Familias, Profesionales, Más 90.000, Premium 500.000 and Sanitas Residents product ranges, with an effective date between 1 November 2026 and 1 February 2027 and registered from 15 October 2026 onwards, will enjoy, at no cost, the co-payment rate of My Farmagen for new policyholders (people who have not held a Sanitas policy in the previous 6 months). Activation must be completed within 2 months of the policy's effective date; otherwise, the co-payment structure in force at the time of activation will be applied. Exclusive promotion for adults and limited to the first 20,000 people who meet the established conditions.

(1) Permanent discount of 10% on the net premium for new policies taken out with 4 or more new insured persons for the Sanitas Más Salud and Sanitas International Residents products. The discount will continue while the policy remains in force, provided that payments are up to date and there are 4 or more insured persons. Offer not applicable to group policies or optionally contracted additional guarantees.

You can check the prices of the different products marketed by SANITAS at https://www.sanitas.es/seguros/seguros-medicos-privados/precio-seguros-medicos. Premiums valid for new policyholders who sign up between 01/07/2025 and 31/12/2026. These premiums will be subject to a 0.15% surcharge from the Insurance Compensation Consortium. Premiums may vary depending on the insured's place of residence. The maximum age for taking out a policy is 75 years. There is no age limit for continuing coverage. New insured person: anyone who has not been on another Sanitas policy in the 6 months immediately prior to the date they are added to the new policy.

Sign up now and get 'My Farmagen' FREE* + Blua included forever

What is 'My Farmagen'?

Program that will help you improve the choice of medications based on your genetic information.

Advantages

• We will analyse how your genetic variants influence your response to medications. 
• You will learn how your body metabolises certain medications, in order to increase their effectiveness and reduce potential side effects.  
• You can share it with your doctor so they can prescribe personalised medications.

What it includes

• Analysis of 29 genes and more than 120 commonly used drugs, to apply this information to all medical specialities and in different clinical areas. 
• Detailed report of your reaction to those 120 drugs, which will allow your doctor to prescribe the most suitable medications. 

How do I access My Farmagen?

Now FREE with your Sanitas insurance.
  

What does Blua include in your policy?

• Video consultation in every speciality.
• Check your health: service focused on preventative healthcare
• Take Care of Your Mind: digital psychology service so you can take care of your mental and emotional health.
• Digital Physio: so you can prevent future injuries and treat any symptoms. You can find preventive, treatment and physical rehabilitation exercises online that you can do every day
• Check your symptoms: if you're feeling unwell, or simply don't know what doctor to go to, in a few seconds, by answering a few questions, we'll give you:
  • A probable diagnosis.
  • The appropriate medical speciality to help you.
  • Recommended actions.
• Digital health programmes: includes monitoring by our Health Prevention professionals:
  • Pregnancy programme.
  • Nutrition programme.
  • Personal Trainer Programme.
  • Child health programme.
        

Remember that if you choose annual payment,you will have an additional 4% discount. Take this opportunity now and avoid waiting periods. If you come to Sanitas and had comprehensive health insurance with another company in Spain for at least 1 year, you will not be subject to waiting periods in your new policy, except in the case of childbirth. On one of the screens in the contracting process or after confirming the contract, you will need to provide a copy of the particular terms and conditions of your previous policy (or your health card if the registration date is included) and the last bill for this policy or proof of payment.

It's time to come to Sanitas.

*New contracts for the Más Salud, Más Salud Familias, Profesionales, Más 90.000, Premium 500.000 and Sanitas Residents product ranges, with an effective date between 1 November 2026 and 1 February 2027 and registered from 15 October 2026 onwards, will enjoy, at no cost, the co-payment rate of My Farmagen for new policyholders (people who have not held a Sanitas policy in the previous 6 months). Activation must be completed within 2 months of the policy's effective date; otherwise, the co-payment structure in force at the time of activation will be applied. Exclusive promotion for adults and limited to the first 20,000 people who meet the established conditions.

You can check the prices of the different products marketed by SANITAS at https://www.sanitas.es/seguros/seguros-medicos-privados/precio-seguros-medicos. Premiums valid for new policyholders who sign up between 01/07/2025 and 31/12/2026. These premiums will be subject to a 0.15% surcharge from the Insurance Compensation Consortium. Premiums may vary depending on the insured's place of residence. The maximum age for taking out a policy is 75 years. There is no age limit for continuing coverage. New insured person: anyone who has not been on another Sanitas policy in the 6 months immediately prior to the date they are added to the new policy.

Sanitas Básico co-payments

• Between 0 and 6 visits: €0
• From 7 to 10 visits: €4
• From 11 to 15 visits: €7
• More than 15 visits: €10
• Diagnostic tests and therapeutic treatment: €12
• Co-payment for frequently used services*: €20
  *Physiotherapy (10 sessions), ventilation therapy (15 sessions) and oxygen therapy (30 days for BIPAP and CPAP and 15 days for aerosol) .

Sanitas Más Salud Plus co-payments with the low co-payment option

The right option to save money.

• Between 0 and 6 visits: €0
• From 7 to 10 visits: €4
• From 11 to 15 visits: €7
• More than 15 visits: €10
• Linear dental co-payment: €3
• Co-payment for frequently used services*: €12
  *Physiotherapy (10 sessions), ventilation therapy (15 sessions) and oxygen therapy (30 days for BIPAP and CPAP and 15 days for aerosol) .

The services are calculated per insured person and year. Registrations in effect from 1 January 2020 will have an annual co-payment limit of €360 per insured person per year.

Sanitas Más Salud Óptima co-payments with the medium co-payment option

The best option if you plan to use its services regularly.

• Up to 3 sessions: €4
• From 4 to 10 sessions: €7
• From 11 to 15 visits: €10
• More than 15 visits: €15

Other services outside this structure:

• Complex diagnostic tests: €12
• Treatment for complex medical conditions: €12
• Emergencies: €8
• Linear dental co-payment: €3
• Co-payment for frequently used services*: €20
  *Physiotherapy (10 sessions), ventilation therapy (15 sessions) and oxygen therapy (30 days for BIPAP and CPAP and 15 days for aerosol) .

The services are calculated per insured person and year.

No co-payment

If you don't want to worry about the number of doctor visits or unexpected expenses, this is your best option.

Sanitas Más Salud Familias co-payment

You can purchase the policy with either the "low co-payment" or "no co-payment" option with the same coverage.

If you take out the policy WITH LOW COPAYMENT, the services are calculated per insured person and year:

• Between 0 and 6 visits €0.
• From 7 to 10 visits €4.
• From 11 to 15 visits €7.
• More than 15 visits €10.
• Co-payment for frequently used services* €12.
• Dental co-payment €3.

*Physiotherapy (10 sessions), ventilation therapy (15 sessions), oxygen therapy (30 days for BIPAP and CPAP and 15 days for aerosol) and preparation for childbirth.

No co-payment

If you don't want to worry about the number of doctor visits or unexpected expenses, this is your best option.