A comprehensive health insurance plan, with access to medical specialties and hospitalization. Medical coverage is provided exclusively through a limited and specific medical plan called Sanitas Nectar With you.
Medical coverage is provided exclusively through a limited medical network of more than 15.000 medical professionals.
With Sanitas Nectar with you You will also have other services included to facilitate both your policy management and everything you need to improve your health.
You'll have coverage for any medical emergencies you may need while traveling abroad, with a limit of up to €12.000 per year.
Emergency telephone service and medical advice.
Request appointments, download blood tests, request reimbursements, obtain medical authorizations, etc., through the customer area.
Telephone assistance to expedite procedures.
| From 0 to 6 services | €0 |
| From 7 to 10 services | €4 |
| From 11 to 15 services | €7 |
| More than 15 services | €10 |
| Single co-payment for high-frequency services* | €12 |
*Physiotherapy (10 sessions), ventilotherapy (15 sessions), oxygen therapy (15 days for aerosol) and childbirth preparation.
Waiting periods indicate the time that must elapse between registration with health insurance and the possibility of using certain services. Only the following services have waiting periods:
| Surgical interventions from Group 0 to II according to the classification of the Medical College Organization | 3 months |
| Diagnostic tests of high technology | 6 months |
| Psychology | 6 months |
| Childbirth or cesarean section | 8 months |
| The following complex therapeutic methods: Interventional cardiology, hemodynamics, interventional radiology, radiotherapy, chemotherapy and lithotripsy | 10 months |
| Tubal ligation and vasectomy | 10 months |
| Hospitalization and surgical interventions from Group III to VIII according to the classification of the Medical College Organization | 10 months |
If you had at least one year of coverage under another company's health insurance policy in Spain when you joined Sanitas, you can reduce or even eliminate the waiting periods on your new policy, except for childbirth.
The maximum contracting age for this product is 75 years.
There is no maximum age of stay
Check out the terms you should consider when purchasing insurance.
Additional amount paid for each medical service used.
A co-pay is a small amount the customer pays when using certain services, allowing us to offer a lower premium. If you're going to use your insurance infrequently, a product with co-pays can be a good way to save on your premium.
Since we offer products that can be purchased with or without copayments (with identical coverage in both cases), you can choose the option that best suits your needs. You can see the copayment details in each product's details. These copayments are billed monthly.
Minimum duration of the contract.
Health insurance contracts are valid for 12 months, except for Sanitas International Students and Sanitas Estudiantes.
Insurance renewal is automatic unless the policyholder notifies them of non-renewal at least one month before the end of the contract.
Time that must pass from the moment you sign up until you can use some services.
Health insurance contracts are valid for 12 months, except for Sanitas International Students and Sanitas Estudiantes.
Insurance renewal is automatic unless the policyholder notifies them of non-renewal at least one month before the end of the contract.
Client pathologies prior to contracting the product.
Pre-existing conditions are defined as the client's pathologies existing prior to the date of contracting the product.
If you want to purchase a policy and you have or have had an illness or injury, surgery, or any symptoms, the medical department will call you to assess your situation.
A limited medical network with more than 15.000 medical professionals.
Medical coverage is provided exclusively through a limited medical network of more than 15.000 medical professionals.
An annual surcharge of 0,15% is added for the first month only.
There is no need to add VAT or any other tax 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.
