Ideas to help you choose between Sanitas Multi ( Sanitas Multi 90,000 euros) and Sanitas Health Plan Classic - the choice is yours!
The best idea is to contact me... I'll prepare different options for you to consider
In general;
| Why are there co-payment charges? | Documentation | Helpline | Extras | ||
| Sanitas Health Plan Classic (SHPC) | SHPC - cost | English | Spanish / English | ||
| Sanitas Multi (SM) | SM - cost | Spanish | Spanish |
Abdominal surgery (peritoneoscopy)... / Continuous withdrawal of lymphatic fluid after breast operation... / Guaranteed payment of health insurance premia if main policyholder dies... / haemorrhoid treatment... / Psychology / Second opinion / |
|
| Sanitas Multi 90,000 euros (SM90) | Spanish | Spanish |
Conclusions:
1. Language may be the deciding factor. If you need to speak English, eg to the helpline service, or receive documentation about your health plan in English - maybe Sanitas Health Plan Classic is best.
2. If you can speak Spanish, you may prefer to pay a slightly higher premium (Sanitas Multi) than for Sanitas Health Plan Classic with lower co-payment charges. There are also some additional treatments covered (see table above).
3. If you plan to use doctors outside the Sanitas network in Spain (or overseas) and are under 65, you may prefer the Sanitas Multi 90,000 euros plan (currently the same cost as Sanitas Multi )
Some updates regarding different policies - these may not be comprehensive...