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Health insurance

Why our SME Health Insurance?

You’ll have access to Sanitas’ extensive medical provider network, one of the largest of its kind and which includes major national hospital groups, plus advantages for your company.

  • Special terms and conditions for SMEs Because every company is different, we offer you options and conditions adapted to the size of the company and the type of benefit you want to offer your employees. 
  • Extensive medical provider network It comprises 50,000+ professionals and offers access to its own hospitals and Milenium medical care facilities exclusively for Sanitas customers (240 hospitals and 4,200 multispecialty facilities).
  • Access to primary medicine and specialties Surgical interventions, 24-hour emergencies (in Spain and when travelling abroad) and second medical opinions with international experts.
  • Video visits and online services Access to video visits 24 h and without appointments, as well as the possibility of requesting authorisations, reports, online appointments, etc. from your mobile phone. 
  • Home-based services Sending of medication and physiotherapy services.

Main covers

CoversHealth Protection

Primary care  

x

Emergencies

x

Medical specialities, surgeries and diagnostic methods

Clinical analyses, cardiology, endocrinology, pulmonology and other specialities*

Hospital care

x

Other care services

Ambulance, special home care, odontostomatology, podiatry and other services*

Preventive medicine

x

Additional covers 

Accidents at work, traffic accidents, emergency care abroad and other benefits*

Sabadell BluaU

Video visits with specialists, online dermatological diagnosis, at-home blood draws and other benefits*

x Included

x Not included

x Optional

Purchase options

You can now offer health insurance to your employees as a social benefit or as part of a flexible remuneration plan.

As a social benefit

The company finances its employees’ insurance in such a way that the premium will appear as an in-kind payment on their payslip. This arrangement gives both parties tax advantages:

  • For employees The premium amount is exempt from personal income tax, with a limit of €500 per person per year (employee, spouse and descendants) or €1,500 per person per year in the case of disability. The excess is taxable. This exemption is not available in Guipúzcoa, Vizcaya and Álava.
  • The company can deduct the full amount of the premium from corporate tax There is a withholding obligation on excess premiums of €500 per person per year or €1,500 per person per year in the case of disability.

As an individual enrolling through Sabadell Flex Company

Tax benefits are available when enrolment is through a flexible remuneration plan and at no additional cost to the company.
Being an in-kind remuneration, the employee can decide to reduce gross remuneration by the amount equivalent to the cost of the insurance. In this case, the insurance will be paid for by the individual at a reduced rate and with tax advantages:

  • For the employee, spouse and descendants The premium will be deducted from the payroll amount to obtain tax benefits. Exempt from personal income tax up to €500 per person per year. This exemption does not apply to Guipúzcoa, Vizcaya and Álava.
  • More information Click here

Special conditions may apply according to the size of the company

And your employees? They will enjoy maximum protection

  • A product with or without copays Two options are available: health insurance with no copay and without waiting periods.
  • Sanitas medical provider network One of the largest networks in the market The Sanitas provider network guarantees first-rate quality and includes the main hospital groups nationwide, more than 50,000 doctors, 4,200 multispecialty care centres and 240 hospitals.
  • Online and home-based services We provide a 24-hour video visit service for general medicine, personalised online health programmes, medication delivery from the chemist (6 deliveries per year) and a home physiotherapy service (5 sessions per insured person per year).
  • Online services via the MY SANITAS App You can carry out any procedure related to our health insurance.
  • Extensive optional covers We offer complementary benefits such as dental insurance, extension of Sabadell BluaU online services, access to the Clínica de la Universidad de Navarra and covers valid in the United States for 100% of medical expenses up to €30,000 per year per insured person.
 
FAQ

Have any other questions?

How can I check the capital sums and covers of my insurance?

Whenever you need to, you can view the sums insured and the cover included in your policy in your BS Online private area. To do so, enter the private area and select the product you wish to view.

How can I cancel my insurance?

First of all, we’re sorry to know that you want to leave.

How can I cancel my policy?

We have several phone numbers or channels for different products. You can view all of them here.

How long do I have to cancel my insurance?

If it’s an annual renewable policy, remember that you can inform us that you want to cancel the policy up to 1 month prior to the renewal date.

 

Can I choose any doctor I want through my health insurance?

There are three types of health insurance to choose from:

  • Insurance with or without copay: with the option of choosing a doctor from our medical provider network
  • Insurance with reimbursement: choose the professional of your choice (with reimbursement covering 80% of the cost), or any of those listed in the medical provider network
How does dental insurance help me prevent problems?

Dental insurance helps you prevent and avoid more expensive, invasive and painful treatments in the future.

The Dental Protection insurance policy includes all the necessary services for the care of your mouth, such as annual check-ups, dental hygiene, X-rays and diagnostic tests such as Dental CAT scans, as well as all types of extractions.

Does the childbirth cover include private hospitals?

You can have your baby in the hospital of your choice, bearing in mind that there is an 8-month waiting period for childbirth or caesarean section from the time you take out the health policy.

Do you want life insurance for you and your company’s employees?

Learn about our wide variety of life insurance policies for companies and get tax benefits. We adapt to you! I’m interested
OUR PRODUCTS

Find out about other policies for companies

Covers and services subject to the policy’s terms, conditions, limitations and exclusions as set out in the terms and conditions and schedule.

Health Protection, SME Health Protection and Dental Protection are policies issued by BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A-64194590, with registered office at Calle Isabel Colbrand 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0767.

Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Avenida Óscar Esplá, 37, 03007 in Alicante, and registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.