At Sanitas we have different options for your self-employed health insurance, with the best medical care, as well as different coverage to meet the needs of each professional.
You will be able to enjoy all the advantages of private health insurance, and choose modality with or without copayments, depending on the usage expectations you consider you will give to our policy.
Our health insurance Sanitas ProfessionalsIs a specific insurance for self-employed workers, who will be able to enjoy a comprehensive healthcare service. As well as adapted coverage to cover all the needs that this worker and his family may have in situations where they are less protected, such as: a temporary disability, or a work-related or traffic accident.
Sanitas Profesionales is a comprehensive insurance policy. It includes primary care, general medicine, pediatrics, nursing, and general emergency care, as well as unlimited medical specialties (gynecology, ophthalmology, psychiatry, dermatology, and many others).
It also includes coverage for clinical analyses: X-rays, ultrasounds, MRIs, CT scans, and many more diagnostic tests. It also includes surgical procedures, hospital admissions, and stays. It also includes dental coverage for more than 25 services and a 21% discount on all other treatments. (This coverage will not apply to the rest of the plus and optimal professional modalities).
Likewise, Sanitas Profesionales offers coverage for therapy, treatment, and rehabilitation services, as well as the best assistance for traffic and workplace accidents. And, in the case of death, the insurance covers funeral services and transportation.
Now, starting at €31,10/month, you can get exclusive coverage with Sanitas Profesionales insurance.
Comprehensive support to help you cope with any unexpected events, including: support with household chores, home physiotherapy, home delivery of medications, childcare and home tutoring, and more.
This coverage is often excluded from other health insurance plans. However, with Sanitas Profesionales, you'll be guaranteed the best care for any workplace or traffic accident.
With a maximum insured capital of €5.250, our Sanitas Professionals insurance covers both funeral services and national transportation. (This coverage will not apply to the rest of the plus and optimal professional modalities).
With this exclusive service, you'll have emergency medical coverage for any trip you make abroad, up to a limit of €12.000 per year.
You can streamline numerous medical procedures through your mobile phone, such as making appointments, downloading blood tests, or requesting medical authorizations, online reimbursements, and a digital card, among others.
Through the Sanitas 24-hour serviceYou can request emergency telephone service and medical advice. And with Sanitas Welcome, you'll have 24-hour telephone support to expedite any type of process.
Depending on the co-payment, Sanitas Profesionales offers three types of plans, so you can choose the one that best suits you, based on how you expect to use our insurance.
Roughly speaking, a co-payment is a small amount paid by the customer to use certain services, which is added to the premium, avoiding the generic increase in the premium.
Below, we've outlined the three types of contracts we offer. However, for detailed information that meets all your needs, please contact us at 91 229 85 71 or 699 509 57.
No copays, with premiums starting at €68,15/month. There are waiting periods depending on the service, with the waiting period being a specific period of time that must elapse between registration with the health insurance and the ability to use certain services. Broadly speaking, these are the different waiting periods offered by Sanitas Profesionales:
With low co-payment, with a premium starting at €43,10/month, and the first 6 services included.
*Physiotherapy (10 sessions), ventilotherapy (15 sessions), oxygen therapy (30 days for bpap and cpap and 15 days for aerosol).
Services are calculated per insured person per year. Plans effective on or after June 1, 2021, will have an annual copayment limit of €360 per insured person per year for the Sanitas Profesionales Plus product.With average copayment from the first service, and a premium from €32,80/month*.
Other Services
*Physiotherapy (10 sessions), ventilotherapy (15 sessions), oxygen therapy (30 days for bpap and cpap and 15 days for aerosol) and childbirth preparation.
Prices may vary depending on the autonomous community. VAT or any other tax does not need to be added to the policy price, except for the Insurance Compensation Surcharge, which is payable only on the first bill and represents 0,15% of the net annual premium.
The following have been added to the Sanitas Profesionales coverages: advantages so you can enjoy an even more complete service:
When you take out health insurance for the self-employed, you have the full guarantee of having access to the entire medical team and Sanitas centersIt is a medical network of more than 57.000 healthcare professionals and 4.500 healthcare centers throughout Spain.
In addition, many of them are their own hospitals and centers, exclusive for Sanitas customers:
By taking out Sanitas' self-employed health insurance, you can benefit from the insurance tax deduction, as well as for the spouse and children up to €500 per person per year (not applicable in the Basque Country), if they are also insured, with no maximum number of members.
Furthermore, if If you have a company, you can deduct 100% of the cost of health insurance for self-employed workers from your corporate tax..
If you're interested in purchasing health insurance, we want to make sure you know what to consider. This way, you'll be able to talk to one of our advisors and address these issues with prior knowledge.
This is the time that must elapse before certain medical services can be enjoyed after taking out the insurance, and which usually refers to diagnostic tests or complex treatments.
Make sure you know the waiting periods for your health insurance, which you can review in each product's information sheet or directly through the information our advisors can provide.
In fact, if you come to Sanitas and already have another health insurance plan, these periods may be waived. So, be sure to indicate this when you want to sign up for your self-employed health insurance with us.
Refers to pathologies that the client suffers from prior to contracting of the service. If this occurs, you will need to complete a health questionnaire so we can assess your case.
In this annual surcharge added to the price of the policyThis is paid only on the first receipt and represents a surcharge of 0,15% of the annual net fee.
This is the minimum duration of the contractSpecifically, for self-employed health insurance, the coverage period is 12 months, as is generally the case for all health insurance plans, with some exceptions.
Likewise, after 12 months, the policy is automatically renewed, unless the insured notifies, one month before the end of the contract, that they do not wish to renew.
You can purchase our health insurance for self-employed workers. All those people with this work regime, with or without family, as well as employees in charge of said self-employed person.
However, There are restrictions depending on the self-employed statusTalk to our advisors and discuss your specific situation so they can tell you what your insurance would be like, based on your conditions and the features you want.
Take out Sanitas insurance
