How to Get a Sanitas Health Insurance Quote

Last updated: 23 May 2026

Sanitas is one of several well-known private health insurers operating in Spain, and many expats ask how to get a quote for its policies. The short answer: gather a few personal details, decide what kind of cover you need, and request a price — but it is worth comparing Sanitas alongside other insurers before you commit, rather than looking at a single quote in isolation. This independent guide explains exactly what information you will need, how Sanitas quotes are typically structured, and how to make sure you are comparing like with like. We do not sell or underwrite Sanitas; we are an independent information and comparison site, and Sanitas is simply one option among several.

What information you'll need

To produce an accurate quote, any Spanish insurer — Sanitas included — needs a handful of basic details. Having these ready speeds things up:

• Ages of everyone to be insured. Premiums are age-based, so a date of birth for each person matters. Figures are always indicative only until the insurer confirms.
• Where you live (or will live) in Spain. The cuadro médico (the insurer's network of approved clinics and hospitals) and pricing can vary by region.
• The type of plan you want. For example, cover with or without a copago (copayment — a small fixed fee per consultation or service), and whether you want any reimbursement (reembolso) element for private treatment outside the network.
• Whether you need a visa certificate. If the quote is for a non-lucrative visa or other residency route, you will usually need a policy that is sin copago (no copayment) with full cover and no waiting periods (carencia) — see our visa health insurance guide.
• Any pre-existing conditions. These must be declared honestly; acceptance and any exclusions are decided by the insurer. See pre-existing conditions cover.

How Sanitas quotes are typically structured

Like most Spanish insurers, Sanitas offers a range of plans. Some include a small copago to keep the monthly premium lower; others are sin copago (no copayment) and tend to cost more but are often required for visa purposes. Premiums are calculated mainly on age, location and plan level, and they typically rise as you get older. Any figures you are given are indicative and subject to insurer acceptance and policy terms. New policies often carry carencia (waiting periods) for certain treatments unless a no-waiting-period option is selected — relevant if you need cover quickly. Read our no waiting period and no-copayment guides for detail.

Compare before you commit

A single quote tells you little on its own. Sanitas is one of several established insurers in Spain — others include Adeslas, ASISA and DKV — and the right choice depends on your network needs, budget and whether you need English-speaking doctors. Rather than requesting quotes one by one, you can compare options side by side. See our neutral comparison guide and our overview of how to choose cover in Spain, then use our quote form to get matched figures across insurers.

What to check before you sign

• Is the cuadro médico strong where you live? Check our cuadro médico guide.
• Are waiting periods waived, if you need cover soon?
• Is it sin copago if a visa is involved?
• Are your pre-existing conditions covered, excluded or surcharged?
• What does it cost now, and how does that change with age?