How to find the best health insurance in Estepona

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Have you been finding it difficult to decide on the best insurance provider in Estepona? Confused about the best policies, insurance bundles, fees and pricing? Buying insurance is an essential part of looking after ourselves, our loved ones and our possessions, but it can be difficult to find a reputable, trusted insurance company that offers a personalised service for a fair price – especially in another country with another language to contend with.

Choosing health insurance and funeral plans in Spain can be a complex and confusing task, with a lot of small details to take into consideration. Each person and family member has specific requirements, needs and budgets. Part of the British United Provident Association (BUPA), Sanitas has its own hospitals and dental clinics, with professionals dedicated to the wellbeing of patients.

Whether you are looking for health insurance for all of the family, international student health insurance, professional insurance, cover for traffic accidents, medical reimbursements or funeral plans, Sanitas Estepona are the most trusted health experts on the Costa del Sol. Inger and her team will guide you through the complexities and questions around healthcare coverage in Spain and the Spanish health system, offering the best policy for you.


Insurance companies in Estepona

Our top pick

Sanitas Estepona

Founded in 1954, Sanitas has become the leading Spanish health insurance and service provider devoted exclusively to health care for almost 70 years. A member of BUPA since 1989 and now with over 50,000 professionals in Spain, including in their own hospitals, 24/7 telephone assistance and 150 offices worldwide, Sanitas is there for you when you need them most. To make life even easier, Sanitas offer their services online and through their app, meaning you can access medical bookings and video consultations, digital appointments, digital health programmes and reimbursement management without having to leave your home.

The Sanitas branch in Estepona is a fully dedicated health insurance company that deals directly with its clients, unlike third-party brokers whose job ends once they have taken the payment. The team will be by your side, guiding you and advising you from a multilingual office – be it written or spoken. With a team that speaks English, Spanish, Swedish, German, French and Dutch, they are your dedicated insurance company in your time of need.

Sanitas Estepona has a wide variety of comprehensive health insurance policies to give you the peace of mind and security that you and your loved ones are in the best possible hands. With more than 20 years of experience, the team can offer you the best coverage from their policies tailored to families, students, professionals and seniors. For those in the process of obtaining their residency in Spain, they offer an International Residence insurance policy specifically designed to give you the coverage necessary – giving you one less thing to worry about.

Added extra options include reimbursements of your glasses, contact lenses and medications, protection for death or injury caused by an accident, qualified family assistance and support in the case of sickness, repatriation coverage and more.

They also offer funeral insurance for families and single seniors, giving you a complete funeral plan with various levels of coverage when your loved ones need it most.

Sanitas Estepona offer a full, personalised service and invite you to visit their office to speak with them directly.

Website: Click here

Opening hours: 9am until 4:30pm Monday to Thursday, 9am until 3pm on Fridays

Address: Puerta del Mar 46, 29680 Estepona

Telephone: +34 951 31 66 10

Email: [email protected]

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What health insurance policies do Sanitas Estepona offer?

Sanitas Estepona offers a wide range of health insurance policies for you and your loved ones, depending on your needs and budget. Here are some of the most popular health insurance policies that you can take out with Sanitas and what they cover.

Sanitas International Residents

From €86.90 per month, per person

Specifically designed for foreigners to obtain their Spanish residency, this policy offers many benefits, including allowing you to stay up to 6 consecutive months outside of Spain.

What is covered?

  • Primary care including general medicine, paediatrics and emergency services
  • Direct access to all specialisms including gynaecology and traumatology
  • Diagnostic tests such as blood tests, x-rays and ultrasound scans
  • Therapeutic methods and rehabilitation sessions
  • Surgery,  either with or without hospital stay
  • Hospitalisation
  • Emergency in foreign countries (up to €12,000)
  • Dental cover including check-ups, cleaning, extractions and x-rays
  • Second medical opinion
  • Sanitas 24 hours telephone service for emergencies
  • Sanitas Welcome: English-speaking helpline
  • Reimbursement of 80 per cent (with a limit of €150,000 per year) or 90 per cent (with a limit of €300,000 per year) of medical treatments so you have the choice of any doctor or clinic worldwide
  • Repatriation (transfer to the country of origin of the insured and of a companion in case of death of the insured)
  • Coverage of services abroad up to a maximum of 6 months
  • Documentation in English or German
best insurance estepona
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Sanitas Mas Salud

From €50.90 per month, per person

Sanitas MasSalud is a comprehensive healthcare policy of the highest quality at a reasonable price that is also recognised by Spanish authorities when obtaining your residency and visa. It provides access to the entire Sanitas medical assistance team and is designed to cover all your needs in Spain. Get direct access to GP and specialists from day one.

What is covered?

  • Primary care including general medicine, paediatrics and emergency services
  • Direct access to all specialisms including gynaecology and traumatology
  • Diagnostic tests such as blood tests, x-rays and ultrasound scans
  • Therapeutic methods and rehabilitation sessions
  • Surgery, either with or without hospital stay
  • Hospitalisation
  • Emergency in foreign countries (up to €12,000)
  • Dental cover including check-ups, cleaning, extractions and x-rays
  • Second medical opinion
  • Sanitas 24 hours telephone service for emergencies
  • Sanitas Welcome: English-speaking helpline
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Sanitas Premium 500.000

From €82.13 per month, per person

The Sanitas Premium 500.000 is the star of the show at Sanitas and is the best in its range. This policy offers 100 per cent coverage in Spain within the extensive Sanitas medical network and reimbursement of 90 per cent of expenses with doctors and hospitals of your choice worldwide up to €500,000 per year.

What is covered?

  • Primary care including general medicine, paediatrics and emergency services
  • Direct access to all specialisms including gynaecology and traumatology
  • Diagnostic tests such as blood tests, x-rays and ultrasound scans
  • Therapeutic methods including rehabilitation sessions
  • Surgery, either with or without hospital stay
  • Hospitalisation
  • Emergency in foreign countries (up to €12,000)
  • Dental cover including check-ups, cleaning, extractions and x-rays
  • Second medical opinion
  • Sanitas 24 hours telephone service for emergencies
  • Sanitas Welcome: English-speaking helpline
  • 90 per cent reimbursement (with a limit of €500,000 per year) of medical treatments so you have the choice of any doctor or clinic worldwide
  • 80 per cent reimbursement of dental treatments, enabling you to choose any dentist
  • Cover in the USA
  • Payment protection

Other premium insurance policies are also available with Sanitas

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Sanitas Mas Salud Familias

From €42.85 per person, per month

Sanitas Mas Salud Familias is a complete healthcare policy of the highest quality providing access to the entire Sanitas medical network, covering all your needs in Spain.

What is covered?

  • Primary care including general medicine, paediatrics and emergency services
  • Direct access to all specialisms including gynaecology and traumatology
  • Diagnostic tests including blood tests, x-rays and ultrasound scans
  • Therapeutic methods and rehabilitation sessions
  • Surgery, either with or without hospital stay
  • Hospitalisation
  • Emergency in foreign countries (up to €12,000)
  • Dental cover including check-ups, cleaning, extractions and x-rays
  • 20 sessions of logopaedics
  • 20 sessions of psychology
  • 24 hour video consultation for emergencies
  • Video consultation for your personalised programmes (e.g. personal trainer, nutritionist, smoking cessation, pelvic floor etc.)
  • Family assistance (e.g. support with domestic work, home delivery of medication etc.)
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Sanitas Professional

From €64.25 per person, per month

This policy is specifically designed for the self-employed in Spain (autónomo). It offers a wide range of additional services to make life easier for you and your family in the event of temporary disability or hospitalisation.

What is covered?

  • Primary care including general medicine, paediatrics and emergency services
  • Direct access to all specialisms including gynaecology and traumatology
  • Diagnostic tests including blood tests, x-rays and ultrasound scans
  • Therapeutic methods and rehabilitation sessions
  • Surgery, either with or without hospital stay
  • Hospitalisation
  • Emergency in foreign countries (up to €12,000)
  • Dental cover including check-ups, cleaning, extractions and x-rays
  • Second medical opinion
  • Sanitas 24 hours telephone service for emergencies
  • Sanitas Welcome: English-speaking helpline
  • Medical assistance in case of traffic and work accidents
  • Funeral service and national transfer in the event of a fatal accident
  • Total protection (e.g. payment protection, physiotherapy at home, support with domestic work etc.)

Plus and Optima plans also available

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Click here to find all of Sanitas Estepona health insurance policies


Optional extras with Sanitas Estepona

Sanitas Estepona offers a range of extras for your policies, giving you the possibility to create tailor-made health insurance policies that cover all of the needs and requirements of you and your family.

Reimbursement

This extra gives you the liberty of choice of doctor, hospital or centre. This means you can go to any specialist, even if they do not belong to Sanitas, and have your medical expenses reimbursed worldwide and in Spain.

Optician

This extra will give you reimbursement of your glasses or contact lenses of up to €600 a year.

Pharmacy

This extra gives you reimbursement of your medications of up to €200 a year.

Repatriation

This extra allows repatriation to the country of origin, including transport expenses from an international airport to the locality of your original country and the transport of a companion (if this person is based in Spain and is a direct family member of you).

Traffic/work accidents

Traffic and work accidents/occupational diseases are not covered by health insurance companies in Spain and would be handled by the car insurer or Mutua. This added extra with Sanitas Estepona means you can focus on your recovery rather than the bureaucracy, including access to all Sanitas’ medical specialists, no pre-payment of your bills and no bureaucratic issues.

See the full range of extras offered by Sanitas Estepona here


best health insurance estepona

Advice from Sanitas Estepona on how to choose the best health plan

Insurance is a complex issue. Health is a delicate topic. So, both of them together make finding the best health plan even more complicated.

When it comes to taking a decision with respect to private health insurance in Spain – there are important points to consider before you choose the appropriate plan.

We will show you in the simplest way possible to make well-informed decisions for not only yourself but also your family and employees.

1. Which healthcare insurance company should I choose?

There are various ways to find insurance companies:

  • Platform: A comparison platform might give you a first idea of providers and prices. However, it is nearly impossible to compare 1-to-1 as there are many differences.
  • Bank: A bank deals with your money, NOT with your health. Many people come into our office having contracted their health insurance at the bank without a clue as to what they have signed up for. The service provided by a bank employee with respect to your health insurance is less than basic, and they will tell you to contact general customer service for assistance.
  • Multi-agency: An agency which offers health insurance from different companies can be a very good option, as the range of products will be very big (perhaps too big?). However, they are often not specialised in insurance types and usually don’t involve themselves in the day-to-day processes.
  • Online: This option is very tentative, especially if you expect an immediate result. Things can go wrong and you do not have a contact person to help you to solve it. Your contact will be the general customer service via phone and you will usually be placed in a long queue of callers.
  • Office: Once you have selected a company and a branch of this company, go there and see if you get along with the people who work there. Having a personal contact, and knowing who is behind the screen dealing with your request is always a big advantage.
  • Recommendation: If a friend has recommended a company and an agent who they trust – this is the best! Recommendations usually give you an even more personal standing within the new company.

With us at Sanitas Estepona you can combine the best of several worlds – you get the personal contact you need and we can also give you assistance online if preferred.

2. Which health plan should you choose?

Once you have chosen a company/agent with whom you feel is right, you then have to choose the correct product for you. A good agent will help you with your decision.

These are the four main categories:

  • Full cover vs Partial cover
  • Insurer’s network vs Free choice of doctors
  • With or Without co-payment
  • Spain vs International cover

Full cover vs Partial cover

Full-cover health insurance is a policy that covers you completely, meaning all doctor’s consultations, all types of analysis, all types of therapies, operations and hospitalisation are included. Partial covers exclude some of the services mentioned above.

Insurer’s network vs Free choice of doctors

Every health insurance company has a network of its own doctors, centres and/or subcontractors. With some policies, you are bound to use specific doctors/centres only. On the contrary, if you choose a policy with “free choice” of doctors, you are not limited by this.

With or without co-payment

The co-payment is a small amount of money which you have to pay every time you use a service. The advantage of this health insurance is that the monthly fixed price is lower, but it can raise significantly if you use the services a lot.

If you do not wish to have to think about the services you use, and prefer to have a fixed monthly price without any limit on the uses you make – then a policy without co-payments is your way to go.

It’s also very important to consider the following: If you are in the midst of a legal procedure to acquire Spanish Residency, VISA, etc. – or might be in the future, the government has the requirement for a policy with NO co-payments.

Spain vs International cover

There are policies which only cover Spain and others which offer international cover. This latter is especially useful if you travel a lot, if you prefer to use a doctor in your home country or if you would like to be treated by a well-known specialist in another country.

If you have any other queries, please do not hesitate to contact us in our office, via phone, email or chat.


What funeral insurance plans do Sanitas Estepona offer?

Senior Single Premium Assistance

This funeral insurance plan is ideal for those who want peace of mind for themselves and their loved ones by paying one unique premium.

Minimum 65 years of age (no maximum age)

What is covered?

  • Funeral services – burial or cremation – in the manner of the customs and traditions of the locality
  • National and international transfer
  • Assistance in obtaining documentation
  • Extrajudicial consultancy
  • Dealing with the declaration of heirs, public deeds, registration at the Land Registry
  • Assistance in applying for pensions
  • Companion transfer and accommodation expenses
  • Home care service for the family
  • Notarised Will in Spain
best insurance estepona
Image – Kzenon/shutterstock

iPlus Family Assistance

This is the most complete funeral plan and is guaranteed by Santalucía.

What is covered?

  • Funeral services (burial or cremation) in the manner of the customs and traditions of the locality
  • Legal assistance in the event of death or invalidity
  • Daycare for children under 7 years
  • Psychological care
  • National and international transfer: necessary arrangements and expenses (in the event of death) to transfer the body and a companion from anywhere in the world
  • Optional coverages

Comprehensive legal protection:

  • Legal assistance within your insurance that allows you to have a solicitor to resolve any legal issues such as traffic fines, problems with lease agreements etc. It also covers all possible extrajudicial and judicial expenses

Travel Assistance:

  • Expenses for hospitalisation or urgent treatment due to illness or accident
  • Expenses for companions
  • Administrative matters
  • Expenses related to incidents with lost luggage and transport
best insurance estepona
Image – Marko Rupena/shutterstock

The unrivalled services and ability to tailor-make policies that fit the requirements of you and your loved ones make Sanitas Estepona the best insurance company on the Costa del Sol. Inger and the team will guide you through the policies, extras and funeral plans, helping you make an informed decision about coverage that best suits your needs.

Get in touch with the friendly and professional team at Sanitas Estepona, where they will be happy to assist you with any questions and send you a FREE quotation:

Online quote form: Click here

Website: Click here

Opening hours: 9am until 4:30pm Monday to Thursday, 9am until 3pm on Fridays

Address: Puerta del Mar 46, 29680 Estepona

Telephone: +34 951 31 66 10

Email: [email protected]


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Written by

Victoria Scott

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