Specially designed for expatriates living in Spain for all or part of the year, this tailored health scheme provides comprehensive cover for Spain and another European country of your choice, giving you the reassurance of seamless health insurance all year round.

The Complete plan gives the same unlimited cover as the classic plan whilst you use our network of Doctors and Hospitals and you pay nothing towards the costs. It then gives you €500,000 to spend outside the Network in Spain and your second European country, for which it becomes a 90% reimbursement policy.

There is no time limit on the duration spent in either country insured.

This policy also includes €10,000 of Worldwide Travel Insurance via Europ Assistance.

Great value for money – from only €71.73* per month

  • Exclusive, bi-lingual health assistance
  • Reimbursement of medical expenses

Your health is our priority

  • Access with Sanitas Healthplan to a complete network of Sanitas Clinics and hospitals.
  • Choose from over 27,200 doctors and 517 Sanitas medical centres in Spain. Sanitas will take care of 100% of the medical bills when you use the Sanitas network.
  • Choose any other doctor or hospital that you prefer, either here in Spain or in your home country (European countries only) using the network of doctors and hospitals in Europe e.g. BUPA in the UK…….it really is that easy. BUPA UK gives you 100% reimbursement of medical costs.  Use any doctor of your choice outside the network and you will be reimbursed for 90% of all medical bills.
  • Medical assistance in the USA via United Health Care, using their network of hospitals and doctors and with 100% of medical costs covered (when authorised by Sanitas)

Bi-lingual service

  • A Client helpline in English and Spanish, documents in both languages and a Guide Book which details the languages spoken by our doctors and specialists within the Sanitas network.

Travel with Peace of Mind

  • Foreign travel medical assistance up to a limit of €10,000 per person, per claim.

Preventative medicine

  • For illnesses such as breast cancer, preventing heart attacks and colon cancer.

Help for fathers-to-be

  • Preparation for the birth, schooling for fathers and the Mother & Baby programme.

Without co-payments

  • No extra costs will be added to your premium.

Flexible contract

  • You choose either the Sanitas network of doctors or the reimbursement plan.

What is covered?

  • General Medicine: General Medicine, Paediatrics, Nursing Service, Emergency Service.
  • Access: Access to special medical services without having to wait: Paediatric Surgery, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery and Digestive System Surgery.
  • Access to the best medical centres in Europe: Medical cover and attention in the hospital of your choice.
  • Diagnostic Tests and Therapies: Clinical analysis, Human Pathology, Aerosoltherapy, Ventilotherapy, Chemotherapy etc.
  • Second Medical Opinion: The most prestigious international professionals are within reach when you are suffering from a serious illness such as cancer.
  • Sanitas 24 hours: a client telephone and support line, manned by professional doctors, 24 hours a day, 365 days a year.
  • Emergency medical assistance when travelling abroad: In collaboration with Europ Assistance, up to a maximum of €10,000 per person, per claim.
  • Clinical Excellence and choice: Comprehensive assistance from our own medical centres, highly equipped with state of the art technology, such as Hospital Sanitas La Zarzuela, Hospital Sanitas La Moraleja and the Millennium Centres.  In the Sanitas Centres you will receive specialised, personalised treatment.


  • Bi-lingual telephone service: where you can receive help and advice in English or in Spanish in relation to your Sanitas Health Policy.
  • Documentation in English and Spanish: You will have access to the General Conditions, Private Conditions and a Guide Book in both languages.
  • We speak your language: Special network of doctors speaking English, German and Spanish.
  • Basic Dental Cover: including checkups, x-rays, fillings, fissure sealing, apicoectomies, occlusal anaylsis, re-adhesion of prosthetic teeth, removal of cysts, abscess drainage, fluoridisation, extractions and yearly teeth cleaning. All other services carry a 40% discount to market price.
  • Preferential treatment in our medical centres: from the Sanitas Network of Doctors Booklet you can easily find the hospitals and medical centres where you will receive preferential treatment, exclusively for Sanitas members.
  • Medical Service Authorisation: It is not necessary to have prior authorisation from Sanitas for the majority of services provided by Sanitas.
  • Dental Supplement Discount: You can complement your policy with full dental cover and receive treatment for Endodontics, Prosthesis, Orthodontcs, Paediatric Dentistry, Cosmetic Dentistry and lots more.
  • Health Services: You can have access to services such as laser excimer, aesthetic solutions, assisted reproduction and medical check-ups at very beneficial rates.


(These guarantees are subject to the personal conditions of each policy)
With Sanitas Healthplan Complete you will have guaranteed access to the following:
  • General Medicine, Specialised Medicine, Diagnostic Tests and Surgery.
  • Primary Health Care: General Medicine, Paediatrics, Nursing Service and emergencies.
  • Access to all specialties: Orthopaedic surgery, Ophthalmology, Obstetrics, Gynaecology, Dermatology, General Surgery and Digestive System Surgery.
  • Diagnostic and Therapeutic Tests: Clinical Analysis, Human Pathology, Aerosol Therapy, Ventilotherapy and Chemotherapy.
  • Hospitalisation within our own wide range of medical centres and hospitals, all of which are equipped with state-of-the-art technology, such as La Zarzuela hospital, Sanitas La Moraleja Hospital and the Millennium Centres.  These offer both clinical excellence and specialised and personalised treatment.
  • Second medical opinion: when suffering from a serious illness such as cancer,  your diagnosis will be sent for a second opinion from top professionals.
  • ORL Laser Treatment: a more precise form of surgery which results in a faster recovery time for the patient.
  • Monofocal intraocular lens:  this treatment is available for cataract surgery (only available if the treatment has been prescribed by a specialist within the Sanitas network of doctors).

Specialties included:

  • Allergies / immune system
  • Human Pathology
  • Anaesthesia and Resuscitation
  • Angiology
  • Gastroenterology
  • Cardiology
  • Cardiac Surgery
  • Gastric Surgery
  • Oral and Maxillofacial Surgery
  • Paediatric surgery
  • Reconstructive and Plastic Surgery
  • Thoracic Surgery
  • Dermatology
  • Diagnostic Imaging
  • Endocrinology
  • Care of the Elderly
  • Gynaecology
  • Haematology
  • Hemotherapy
  • Internal Medicine
  • Nuclear Medicine/Radioactive Isotopic Medicine
  • Nephrology
  • New Born Pathology
  • Neurology
  • Obstetrics (Midwifery)
  • Odontostomatology
  • Ophthalmology
  • Oncology
  • Ear, Nose and Throat Medicine
  • Colorectal Surgery
  • Psychiatry
  • Rheumatology
  • Trauma/Orthopaedic Surgery
  • Urology
  • Doctors, surgeons and consultants


  • Medical
  • Paediatric
  • Psychiatric
  • ITU
  • Surgical
  • Obstetric


  • Aerosol therapies and ventilotherapy
  • Kidney dialysis
  • Lithotrity of the bladder
  • Speech therapy
  • Oxygen therapy
  • Radiotherapy
  • Rehabilitation
  • Treatment for pain

Other services

  • Ambulance
  • Chiropody/Podiatry
  • Home visits
  • Prosthesis


Age Limits

You can contract Sanitas Healthplan Complete up to the age of 75. There is no upper age limit for maintaining your cover, once contracted

Waiting Periods

  • The waiting period is the time between signing the Sanitas contract and the date that you may begin to use the service required
  • The medical insurance does not cover medical conditions that pre-existed before the signing of the contract

Sanitas Network Option

  1. Giving birth8 months
  2. Sterilisation and vasectomy6 months

Reimbursement in Spain Option

  1. Giving birth10 months
  2. Psychiatric treatment (hospitalisation or outpatient)24 months
  3. Sterilisation and vasectomy6 months
  4. Radiotherapy, Chemotherapy, Cobalt therapy, Radioactive Isotope Therapy, Linear Accelerator (Linac Therapy), MRI, Nuclear Medicine, Bone Density Testing, Lithotrity, Digital Arteriography,Radio Neurosurgery and Prostate Hyperthermia5 months
  5. Physiotherapy and special attention in the home3 months
  6. Other types of hospitalisation3 months
  7. Outpatient Surgery3 months

Sanitas Network or Reimbursement in second chosen country

  1. Giving birth10 months
  2. Psychiatric treatment (hospitalisation or outpatient)24 months
  3. Sterilisation and vasectomy6 months
  4. Other Therapeutic methods (chemo / Radio)6 months
  5. Hospitalisation (with or without surgery)8 months
  6. Outpatient surgery3 months
  7. All Vital EmergenciesIMMEDIATE

There are no extra costs for Sanitas Healthplan Complete

*Prices vary depending on age and location. Terms and conditions apply.