Mas Salud Cover

Mas Salud plan provides complete, high quality cover while giving you access to all the facilities and specialists within the Sanitas extensive network of medical associates.

More so this plan can also have reimbursement option added from 50.000€ to 300.000€ limit per year, so you can use the policy outside medical network in Spain and worldwide.

COVERS
  1. PRIMARY CARE 
  • General Medicine (GP).
  • Paediatrics – care of children until the y are 15 after they can use a GP.
  • Nurse care service: Includes healthcare at the healthcare centre and at home.
  • Emergencies: These include healthcare provided in permanent emergency centres.
  • Clinical Analyses.
  • Transfer of sick person by ambulance- performed by land.
  • Preventive medical check-ups.
  • Basic Diagnosis tests and procedures, ( Ex analysis and general radiology)
2. MEDICAL CARE PROVIDED BY SPECIALISTS
  • Specialist medical care, including outpatient surgery
  • Genetic studies: Comprises only those necessary for diagnosis and/or prescription of treatment of affected and symptomatic patients.
  • Additional methods of diagnoses. Radiology, CT scanner, electrocardiogram
  • Ultrasound, allergy tests.
  • Functional tests.
  • Cobalt therapy, chemotherapy, rehabilitation,
  • Obstetric-Gynaecological Nursing (Midwifery)- Care provided by a midwife will be available only for hospital-based child delivery
  • Speech and Language Therapy: It is included only when related with organic processes, to a maximum of 6 months a year per Insured.
  • Podiatry (Chiropody exclusively).
3.HOSPITAL CARE
  • Hospitalisation
  • Surgical intervention
  • Intensive Care Unit
  • Childbirth
  • Clinical Psychology
  • Single room with bathroom as well as all the expenses arising from hospitalisation: Accommodation, meals, medication.
  • Bed for companion
  • For all specialities: medical fees, costs arising from surgery
4.DENTAL COVER
  • More than 30 services included in your policy: consultations, cleaning, diagnostic tests, fluoridation etc.
  • Discounts of up to 21% Dental pricing is set within the Sanitas network, so that you know the fees you are paying in advance.
  • Access to the exclusive Millennium Dental Centres: These centres are equipped with the latest technology and all dental specialities and diagnostic tests are available under one roof.
  • Modern treatments using state of the art technology, at your service: All the benefits of a quality dental plan provided by the leading medical insurer in Spain
5. WORLDWIDE EMERGENCY HEALTHCARE.
  • Emergency overseas travel assistance: In collaboration with Europ Assistance, up to a maximum of €12,000 per person, per claim.
  • Covers expenses from doctors, surgeons, hospitals and/or clinics outside Spain as a result of medical attention received abroad, derived from an illness or accident occurring abroad.
  • Doctors’ fees
  • Drugs prescribed by a doctor or surgeon
  • emergency dentistry fees, excluding endodontics, aesthetic reconstructions from earlier treatments, oral cleaning, prosthesis, crowns and implants, these are covered by the previous amount up to a maximum of €241 per Insured.
  • Hospitalisation costs
  • Costs for ambulance services requested by a doctor for a local journey
6.WAITING PERIODS *
  • Vital Emergencies: IMMEDIATE ( possible death within 24h)
  • Outpatient surgery: 3 months
  • High technology diagnostic tests: 6 months (ex MRI, PET).
  • Psychology: 6 months.
  • Childbirth: 8 months.
  • Hospitalisation, including inpatients, day patients 10 months.
  • Radiotherapy, chemotherapy, cobalt therapy, radioactive isotopes, linear accelerator, canner, magnetic resonance, nuclear medicine, bone densitometry, lithotripsy, digital arteriography, radio-neurosurgery and prostate hyperthermia services: 10 months.
  • Bariatric treatment: 60 months.

*If transferring from another insurance company in Spain and have been with that insurer for more than a year, by providing a copy of your particular conditions and last receipt of the premium with them, Sanitas will eliminate all waiting periods, apart from birth which will be applied.  

New covers included .

In our policy of constant innovation, we are including the following covers.

  • Shock waves to treat shoulder tendon injuries in a non-invasive and painless way with ultrasound.
  • Multiparametric prostate MRIs which enhance the accuracy of prostate cancer diagnosis.
  • Preventive mastectomies in high-risk women already affected by breast cancer.
  • Expanded spectrum of conditions in which a PET-CT scan is used as a benchmark diagnosis technique.
  • A new laser technique in eye surgery for the treatment of keratoconus.
  • BRAF-targeted therapies which make it possible to establish a specific treatment in certain types of skin cancer
7.SUPPLEMENTS AVAILABLE 
  1. BLUA: NEW DIGITAL PRODUCT

Access to Sanitas digital cover and most exclusive home services.

Premiums 20  for one insured, 40 € for 2 or more insured in the policy/ monthly.

  • Video consultation with your specialists.
  • Video consultations for 24-hour emergencies with access without an appointment.
  • Prevention programmes with specialised consultants connected via video consultations: sports, nutrition or psychology
  • 50% reimbursement on your pharmacy costs, up to €200/year.
  • Home delivery of medicines from the pharmacy (6 services per insured and year)
  • Home testing (2 services per insured and year) Terms and conditions

→No waiting periods: you can avail of it from day one.
→Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: individual, not mandatory for all members of the policy.
→ Purchasable at any time in your policy.

  1. DENTAL COVER SUPPLEMENT

Apart from the Dental 21 which is already included in your policy you have the option to add extra cover on this as a supplement.

Its 10,70€ per person / monthly, not possible to be individually contracted, is 40- 50 services   included and 40-50% discounts with respect to the market price.

  1. FAMILY ASSISTANCE

We provide the qualified support you may need in unforeseen situations such as hospitalisation or home rest due to illness.

Premium is 2 / per month per person.

  • Support with basic housework
  • Care for elderly people who are dependant or children under 16 or disabled people
  • Transfer of children under 16 or disabled people to a relative’s home
  • Accompaniment of children to school
  • Home delivery of medicines
  • Home pet care

 Terms and conditions

  • → Waiting periods: you can avail of it from day one if you purchase it along with your insurance plan.
  • → Health questionnaire: will not be required in order to purchase.
  • → Age 0-75 years.
  • → Purchase: policy level, mandatory for all members.
  • → Purchasable: first purchase or renewal.
  • Alternative option to purchase at any other time with a 2-month waiting period.
  1. PHARMACY COVER/ MEDICINE

Get financial assistance with your medicine costs. You will be covered for 50% of the cost of your medicines with an annual cap of €200 per insured on the policy. The medicines must be prescribed by a doctor on the Sanitas medical chart, unless you have purchased a reimbursement product.  This cover is 4€ per person / month.

  1. USA COVER

1.5€ per person / month.

This added benefit gives you access to private centres in the USA to one of the most prestigious clinics and hospitals, such services to be accessed, needs to be previously authorised by Sanitas.

Include the MD Anderson Cancer Center, Houston and Johns Hopkins Hospital, Baltimore.
In addition, with this optional cover you can benefit from a second option from the best professionals in the USA.

  • Limits: US coverage reaches 100% of medical expenses per year with capital insured and listed below:

Total limit in the United States: 30,000 €

  • Hospital care to 24,000 € with delivery to sub-limit of € 1,500.
  • Outpatient assistance up to 6,000 €
  1. GYNAECOLOGY AND PAEDRIATRICS REIMBURSEMENT
  • This add-on allows you to access any gynaecologist, obstetrician or paediatrician even if they are not on the Sanitas medical network. You can request a 60% reimbursement of the cost of consultations in the aforementioned specialities (gynaecology, obstetrics and paediatrics) with a cap of €100 per consultation and a very generous annual limit of €10,000
  • Terms and conditions
    → Waiting periods: you can avail of it from day one.
    → Health questionnaire: will be required in order to purchase.
    → Age: 0-75 years (males up to 14 years).
    → Purchase: individual, not mandatory for all members of the policy.
    → Purchasable: when contracting or on the renewal of the policy
  • This supplement is 10€ / per person per month.
  1. WORK AND TRAFFIC ACCIDENTS

You will receive healthcare in case of an accident at work, a traffic accident or a profession-related illness, cover that is often excluded from health insurance.

Terms and conditions

→ Waiting periods: you will have full cover from day one.
→ Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years (children under 18 years-old will not pay the premium).
→ Purchase: policy level, mandatory for all members.
→ Purchasable: any time. Premiums The monthly premiums for this add-on per insured are: 1.5€

  1. OPTICAL COVER
  • Enjoy a 50% reimbursement on your progressive contact lenses and progressive lenses prescribed by an optician. The optician you visit must be on the Sanitas medical network, unless your policy is a reimbursement policy.
  • Reimbursement of 50% of the bill, up to a maximum of €300 / person and year.
  • Valid for 1 prescription a year.

Terms and conditions

→ Waiting periods: 6 months
→ Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: policy level, mandatory for all members. Children under 6 years-old do not pay the premium but are entitled to the cover.
→ Purchasable: any time.

Premiums The monthly premiums for this add-on per insured are:  5.50€

  1. ALTERNATIVE MEDICINE

You can visit the professional of your choice in Spain and get a 50% reimbursement of the cost up to €400 for the services:

  • Homeopathic consultations and homeopathic products dispensed and billed during the consultation.
  • Acupuncture consultations and acupuncture material that are required and used by the professional during the consultation.

Terms and conditions
→ waiting periods: 6 months
→ Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: individual, not mandatory for the other members of the policy.
→ Purchasable: any time.

The monthly premiums for this add-on per insured are: 6€

  1. ACCIDENT INSURANCE

This supplement offers compensation to the insured or family in case of death or permanent incapacity of the insured caused by an accident. The amount received depends of the capital insured.

  • 30.000€
  • 60.000€

There are different premiums related to this supplement and is related to the profession you have:

Professionals group 1 and 2:

30.000€- 4 € month
60.000€ – 8€ month

Professionals group 3:

30.000€- 7.50 € month
60.000€ – 15€ month

Professionals group 4:

30.000€- 12.00 € month
60.000€ – 24.00€ month

This can be contracted from 18- 65 years of age, has no cooling period.

Compensation is paid in a maximum period of 40 days from the moment that the paperwork is received.

Majority of the customers fall under the 1 and 2 category, rest are high risk professions.

Terms and conditions
→ Waiting periods: you will have full cover from day one.
→ Health questionnaire: will be required in order to purchase.
→ Age: 18 – 65 years.
→ Insurability age limit: up to 70 years
→ Purchase: individual, not mandatory for all members of the policy.
→ Purchasable: any time.

  1. REPATRIATION COVERAGE

In case of death, repatriation to your country of origin will be covered.

This includes transfers costs from the international airport to the region of your country of origin and the transfer of a companion (provided that they are a direct relative with permanent residence in Spain).

Terms and conditions:

→ Waiting periods:  you will be covered from day one.
→ Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: for all members of the policy.
→ Purchasable: first purchase or renewal of the policy. 

  1. REIMBURSEMENT COVER

If you wish to have your healthcare both in Spain and abroad covered and be able to use clinics outside directory in Spain and worldwide.

  • 80% reimbursement up to a maximum of €150,000,
  • 90% reimbursement up to a maximum of €300,000.

If you interested in this please ask for the limits on expenses and premiums.

  1. TEMPORARY DISABILITY

You will receive daily financial support in case of temporary disability that prevents you from performing your professional activity due to illness.

  • The amount you will receive will be €10 a day from the 7th day of disability.

Terms and conditions
→ Waiting periods: 8 months.
→ Health questionnaire: will be required in order to purchase.
→ Age: 16-64 years.
→ Insurability age limit: 70 years.
→ Purchase: only by the policyholder.
→ Purchasable any time.

This add-on can only be purchased by the policyholder FOR 5€ MONTH

  1. INCOME

You will get extra support at the most delicate times with €60 a day in compensation in case of hospitalisation, in addition to other benefits.

  • Double compensation in case of admission to ICU.
  • 50% extra compensation if you admitted in a different region to where you live.
  • Help during convalescence of 50% for 5 days following hospitalisation for surgery.
  • In case of childbirth or cesarean, daily compensation for up to 6 days.

Terms and conditions

→ Waiting periods: 8 months
→ Health questionnaire: will be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: individual, not mandatory for the other members of the policy.
→ Purchasable: any time.

Premiums for this supplement: 2€ / month

  1. TOTAL PROTECTION

If you are self-employed the following needs of your day to day will be covered for you and your family in case of temporary disability or hospitalisation, with the following cover designed for you:

  • Payment protection: we will reimburse your insurance premium so that you only need to worry about getting better Exclusive Total Protection!
  • Physiotherapy at home Exclusive Total Protection!
  • Home delivery of medicines to avoid unnecessary travel.
  • Delivery of mail to your home Exclusive Total Protection!
  • Mobility guarantee: taxi service to help with travel.
  •  Support with basic housework
  • Transfer of a relative to your home or of your children to a relative’s home to take care of them.
  • Tutoring at home
  • Accompaniment of children to and from school.
  • Support with the installation of a workstation at home Exclusive Total Protection!

Terms and conditions
→ Waiting periods: you will have full cover from day one if you purchase it along with your core product.
→ Health questionnaire: will not be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: policy level, mandatory for all members.
→ Purchasable first purchase or renewal of the policy.

Alternative option to purchase at any other time with a 2-month waiting period.
Premium for this supplement is 2€ per month.

  1. NAVARRA CLINIC

Extend your healthcare product’s medical network by adding the prestigious Clínica Universidad de Navarra to the medical network available to you. The Universidad de Navarra Clinic has over 50 years of experience during which more than 700,000 patients have put their trust in its services, dedicated exclusively to health. In addition, its new hospital in Madrid is scheduled to open at the end of 2017. It will also be available with this add-on as soon as it opens.

Terms and conditions

→ Waiting periods: the same periods as the healthcare product, restarting from the moment the add-on is purchased and only applicable to Clínica Universidad de Navarra.
→ Health questionnaire: will be required in order to purchase.
→ Age: 0-75 years.
→ Purchase: individual, not mandatory for the other members of the policy.
→ Purchasable: at any time.

PREMIUM 9.80€/ MONTH PP.