Sanitas Reimbursement Insurance

Choose the specialist you want, even if they're not on our medical team. Sanitas reimbursement insurance is a medical coverage option that allows policyholders to freely choose their preferred medical specialist, whether national or international. Unlike closed-network insurance plans, where policyholders must visit specific doctors and hospitals, this insurance offers greater flexibility and freedom of choice.

They can visit any professional, medical center, or hospital, both in Spain and anywhere in the world, and Sanitas will reimburse them for 80% of their bill.

With the Range of Refund Add-ons, the customer will have maximum refund amounts from 50.000 € 300.000 € and percentage to be reimbursed of the 80 %.

How Sanitas Reimbursement Insurance Works

Sanitas reimbursement insurance works by reimbursing the insured for part or all of their medical expenses incurred outside the Sanitas provider network. Key aspects of how it works are detailed here:

1. Refund process
   • Request a refundThe insured must initially pay the cost of the treatment and then submit a reimbursement request to Sanitas.
   • Documentation: It is necessary to present invoices, receipts and other documents that prove payment and the treatment received.
   • Terms and conditionsSanitas has a specific timeframe for processing reimbursement requests, which varies by policy.
2. Coverage
   • Expenses covered: They include medical consultations, hospitalization, diagnostic tests and treatments.
   • Limitations and exclusionsSome policies may have specific exclusions, such as experimental treatments or cosmetic services.
   • Practical examplesAn insured person may receive treatment from a non-affiliated specialist and then request reimbursement from Sanitas.
3. Relationship with health providers
   • On and off the grid: Insured members can choose providers within or outside the Sanitas network, although reimbursements may vary.
   • Advantages and disadvantages: Using out-of-network services may offer access to more specialized treatments, but may involve higher upfront costs and partial reimbursements.

Advantages of Sanitas Reimbursement Insurance

• Freedom of choiceInsured members can freely choose their doctors and hospitals, even abroad.
• Access to specialized services: Possibility of accessing specialized treatments and services.
• International treatment: Option to receive treatment in other countries and request reimbursement.
• Ease of processing refundsYou can process them through the Sanitas App, and we agree to reimburse your expenses within approximately 10-15 days.

Hiring Reimbursement Supplements

The standard terms and conditions for contracting Reimbursement Supplements are as follows:

→ Waiting periods: yes (standard waiting periods)
→ Hiring: individual, not mandatory for the rest of the policy members.
→ Available upon registration or renewal of the policy.
→ Age of hiring: 0 – 64 years.
→ Age of permanence: no.
→ Pre-existing conditions: yes, so it will be necessary to complete the health questionnaire at the time of discharge

Comparison of Sanitas Reimbursement Insurance

Following the launch of the €150.000 Reimbursement Supplement, which was well-received by our customers, we have developed a range of Reimbursement Supplements to offer more options so customers can choose the one that best suits their financial or healthcare needs.

REFUND SUPPLEMENT LIMITS 50.000

REFUND SUPPLEMENT LIMITS 100.000

REFUND SUPPLEMENT LIMITS 150.000

REFUND SUPPLEMENT LIMITS 200.000

REFUND SUPPLEMENT LIMITS 300.000

In addition to these refunds, there is Premium insurance with a refund of €500.000 (Sanitas Premium 500.000)

If you would like more information about our comprehensive health insurance SANITAS WITH REIMBURSEMENT, you can call 912298571 or write to us from form Contact.