— Sanitas Insurance · Self-employed
Sanitas Profesionales: health insurance for self-employed
Full coverage with a tax advantage and copay/no-copay options to fit your workflow.
— In detail
Sanitas Profesionales is designed specifically for self-employed workers: full medical care, exclusive protection in case of work leave or accident, and personal income-tax deduction. Choose the copayment or no-copayment version depending on how you use it.
- Choose copayment or no-copayment mode
- Personal income-tax deduction up to €500/year per person
- Primary care, specialists, simple and advanced diagnostics (CT, MRI)
- Hospitalisation, surgery and emergencies in Spain and abroad (up to 90-day stays)
- Premium refund in case of work-accident sick leave
- Medical care in case of work or traffic accident, plus accidental-death cover
- 24h video consultation and specialist video calls in the Mi Sanitas app
Ideal if you're self-employed or a professional and want full coverage you can also deduct as a business expense.
FAQ
- What's the difference between copayment and no-copayment?
- With copayment you pay a small fee per service and the monthly premium is lower. Without copayment the premium is higher but you pay nothing per visit. I prepare both scenarios with real numbers.
- How do I apply the personal income-tax deduction?
- Each year I hand you an official Sanitas certificate with the premium paid so your accountant can apply it as a business expense under 'estimación directa'.
- What ages are eligible?
- From 0 to 75 years. No maximum age of permanence. You can also include spouse and children up to age 26.