Sanitas is a leading private health insurer in Spain and a core partner of 247 Expat Insurance. Backed by Bupa Global, Sanitas combines its own hospital chain, a deep cuadro médico, visa-compliant policies and genuine English-language expat support – and we have years of experience placing British, American, Irish and Australian clients on Sanitas cover.
Get a Sanitas Quote WhatsApp UsSanitas – founded in Madrid in 1954 and now a wholly-owned member of the British-headquartered Bupa Global group – is a leading private health insurer in Spain. Through Sanitas Seguros, the group provides outpatient consultations, hospitalisation, diagnostics, dental and international cover via one of the most integrated provider networks in the country.
At 247 Expat Insurance we recommend Sanitas as one of our two primary health insurance partners (alongside Caser). The reason is simple: Sanitas has built a genuinely expat-friendly proposition. Clear English-language policy documentation, a dedicated English-speaking customer service team, visa-compliant policies pre-approved for the Non-Lucrative Visa and Digital Nomad Visa, and a global parent – Bupa – behind it.
This guide walks through the Sanitas cuadro médico, the proprietary hospital chain (Hospital Universitario Sanitas La Moraleja, Sanitas La Zarzuela, Sanitas CIMA), the partner network with Quirónsalud and HM Hospitales, the Más product family, and what to expect when you actually use a policy. Like every other insurer here, Sanitas is regulated by the DGSFP.
From the Sanitas cuadro médico and the proprietary hospital chain to copago vs sin-copago, visa compliance, Millón Más access and the Bupa international footprint – the full picture.
How the Sanitas medical directory is structured, how to search it by province and specialty, and what the typical wait times look like in practice.
Hospital Universitario Sanitas La Moraleja, Sanitas La Zarzuela and Sanitas CIMA Barcelona – what makes a member-owned hospital chain different from a contracted one.
The agreements with Quirónsalud and HM Hospitales (including Hospital Universitario HM Madrid) – what each partnership unlocks for Sanitas members.
Sanitas Más Salud, Sanitas Más Familia, Sanitas Millón Más and Sanitas Premium – what each tier covers and which is the natural fit for most expats.
Sanitas Millón Más gives access to the wider Bupa network and a €1m claims limit per process – useful for high-end specialist care and cross-border treatment.
Why Sanitas policies are routinely accepted for Non-Lucrative and Digital Nomad Visa files, the certificado de cobertura, and what consulates actually look for.
The Sanitas cuadro médico is the official directory of doctors, specialists, hospitals and diagnostic centres that Sanitas members can use directly, with the bill going to Sanitas rather than the patient. It is one of the deepest provider networks in Spain, with particularly strong concentration in Madrid (where Sanitas owns its flagship teaching hospital), Barcelona, Valencia, Sevilla, Málaga, the Balearics and the Canaries – and meaningful coverage even in smaller provincial capitals.
The directory is searchable on sanitas.es by province, town, specialty and provider type. For everyday primary care (GP, paediatrics, gynaecology, traumatology, dermatology, ophthalmology, ENT, cardiology) you will typically find dozens of consultas across most expat regions. The real differentiator – and the reason many expats actively choose Sanitas – is the proprietary hospital chain that members can use without referral.
Unlike most Spanish health insurers, Sanitas owns and operates its own hospital network. The Hospital Universitario Sanitas La Moraleja (Madrid) is the group's flagship – a JCI-accredited teaching hospital with full surgical, oncology, cardiology and maternity services. Sanitas La Zarzuela (north-west Madrid) and Sanitas CIMA (Barcelona) round out the proprietary chain, with strong reputations for elective surgery, obstetrics and outpatient diagnostics.
On top of its own hospitals, Sanitas holds partner agreements with Quirónsalud and HM Hospitales, giving members access to flagships such as Hospital Universitario HM Madrid, HM Sanchinarro, HM Montepríncipe and selected Quirónsalud facilities depending on product tier and province. We always check the cuadro médico for your specific address before issuing a policy.
Sanitas is a strong product on its own – the only Spanish insurer with its own JCI-accredited hospital chain and a global Bupa parent. Bought through an experienced, DGSFP-registered broker who knows the expat use cases, it gets better – from quote to claim.
We are a long-standing distribution partner for Sanitas, with direct access to the agent desk and underwriting team for non-standard cases.
Every conversation, document and email is in clear English – including the certificado de cobertura, conditions of cover and renewal letters.
We know exactly which Sanitas variant satisfies NLV and DNV requirements – sin-copago, full coverage, no waiting periods on essential care.
Sanitas members can access Bupa's international network for treatment abroad – valuable for frequent travellers, dual residents and high-net-worth families.
Claims, renewals, hospital pre-authorisations – reach us by WhatsApp, phone or email any day of the week, including weekends.
Whether you need a Sanitas business policy for your own SL, an autonomo policy with full AEAT deductibility, or family cover with dental, we structure it properly.
Health insurance is one piece of the puzzle – we also broker home and travel cover for expats in Spain.
Other deep-dives on Spanish healthcare and how to navigate the private system as an expat.
Talk to an English-speaking, DGSFP-registered broker who places Sanitas policies every week. We quote, fit-check, issue and support – 7 days a week.
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