Sanitas plus Health Insurance

The Most Complete Health Insurance

Expert Product Description: Sanitas Más Salud

Sanitas Más Salud positions itself as the benchmark for comprehensive private assistance within the healthcare market. It is a Medical Network (Cuadro Médico) policy designed for those seeking coverage for the entire health cycle: primary care, direct access to specialists, complex diagnostic tests, hospitalization, and surgical interventions.

Its modular architecture allows access to Sanitas' top-tier medical quality and technology, allowing you to adjust only the payment structure (with or without co-payments) based on your actual usage. It is the comprehensive solution to avoid waiting lists and access the national network of specialists.

Key Benefits That Influence the Decision

Beyond basic coverage, these are the factors that truly differentiate this product in a market comparison:

Direct Access without Bureaucracy: Ability to visit specialists (traumatology, gynecology, cardiology, etc.) without needing a referral from a General Practitioner (GP).
Hospitalization with No Time Limit: Comprehensive coverage in a private room with a bed for a companion, providing privacy and comfort during the entire stay (except for psychiatric hospitalization and ICU).
Dental Coverage Included: Access to basic dental services and cleanings, with preferential franchised rates for complex treatments.
International Second Medical Opinion: Access to world-renowned experts for cases of serious or chronic illnesses.
Advanced Digital Capabilities: Video consultations with specialists and 24-hour digital emergency services, integrating in-person medicine with remote convenience.

Strategic Comparison Table: Modalities

This table helps you understand which variant of Sanitas Más Salud best adapts to your financial profile and usage habits.

Modality	Medical Coverage Level	Co-payment Structure	Ideal Client Profile
Más Salud (No Co-payment)	Total (Medical Network)	€0 per medical act	Frequent users, families with small children or chronic conditions who want no extra costs.
Más Salud Plus	Total (Medical Network)	Progressive low co-payment (first services are very cheap)	People who visit the doctor moderately but want a reduced monthly premium.
Más Salud Óptima	Total (Medical Network)	Adjusted co-payment (maximum annual limit per insured)	Young or healthy profiles who rarely see a doctor and prioritize maximum savings on the fee.
Más Salud Familias	Total (Medical Network)	Flexible (depending on option)	Family units looking for volume discounts based on the number of insured members.

Note: The quality of doctors and hospitals is identical across all modalities; the only variation is how you pay for the service access.

Who Is This Insurance Really For?

This product is not for those simply looking to "tick a box" with basic insurance. Sanitas Más Salud is ideal for:

Expat & Local Families: Who need urgent pediatric care, quick access to tests, and the peace of mind of comfortable hospitalization.
Self-Employed & Professionals: Who cannot afford to lose workdays in waiting rooms and require agility in diagnostics and treatments.
Long-Term Health Planners: Individuals who value prevention and access to cutting-edge diagnostic technology (PET/CT, advanced MRI) before a serious problem arises.

What You Must Evaluate Before Hiring

To ensure your choice is correct, it is fundamental to resolve these doubts with an expert:

Waiting Periods & Pre-existing Conditions: If transferring from another company, are waiting periods waived? How do your current medical conditions affect the policy?
Real Usage Frequency: Many users sign up for "No Co-payment" out of habit, when a modality with co-payments could save them 20-30% annually if they visit the doctor fewer than 5 times a year.
The Local Healthcare Map: Are your trusted doctors in Alicante within the Sanitas network? (Professional rotation is a factor to always verify before signing).

Advantages of Hiring with Sanitas Alicante

Contracting Sanitas Más Salud through local management in Alicante transforms the insurance experience:

Knowledge of the Provincial Medical Network: We know which specialists in Alicante have the shortest waiting lists and which hospitals offer the best technology for your specific ailment.
Human Management, Not Robotic: When facing a complex authorization or administrative doubt, you speak with real people who know your name, avoiding cold, generic call centers.
Tailored Solutions: We adapt the policy to the healthcare reality of the Valencian Community, ensuring you pay for what you can actually utilize in your area.