Sanitas health insurance reviews: Advantages & disadvantages

Choosing an international health insurance is not a decision to take lightly, especially if you are going to live outside your home country for a long period. Having a policy that guarantees access to quality medical services will save you from worries and exorbitant costs in case of emergencies. If you’re considering getting one, you’ve probably heard of the Sanitas health insurance. It’s one of the most popular names in this field. But how well does it meet the needs of its users? Keep reading, because today we are going to deeply analyze the coverage of Sanitas health insurance and real opinions from those who have already used it.

We will talk about what exactly it offers, the services not covered by its policies, and the prices. Also, key factors when choosing an insurer, such as customer service or the smoothness of reimbursements and cancellations. Want to know if it’s really what you’re looking for?

What is Sanitas Mundi and what international health insurance does it offer?

Sanitas Mundi is a company with extensive experience in the health insurance sector. It is designed to provide coverage tailored to the needs of people who travel or live outside their home country. Founded more than two decades ago, it has built a solid reputation based on the quality of its services and customer trust.

It is present in over 190 countries and collaborates with a global network of hospitals, clinics, and specialists. This wide coverage allows policyholders to access quality medical care no matter where they are. Additionally, it is known for the customization of its plans. This ensures that each customer receives the level of protection they need during their long stays abroad.

The international health insurance offerings from Sanitas Mundi are adaptable to different profiles and coverage levels. They offer:

• Basic international health insurance: Designed to cover essential medical emergencies. It includes consultations, hospitalization, and urgent care, though it has limitations in more prolonged or specialized treatments.
• Comprehensive international health insurance: Designed for those who need more extensive coverage. This plan includes consultations, specialized treatments, hospitalization, and access to therapies such as physiotherapy or rehabilitation. It also covers preventive medical checkups.
• Expatriate plans: Focused on those who live abroad for work or academic purposes. They offer access to specialists, coverage in multiple countries, and additional services like medical checkups and vaccinations.
• International student coverage: Ideal for those studying abroad. It covers medical consultations, emergencies, hospitalization, and specific requirements for immigration processes, such as insurance compatible with student visas.

What health services are covered by Sanitas Mundi insurance?

These are the plans offered. But what do these plans cover? Sanitas Mundi insurance provides a wide range of services designed to ensure that you have access to the medical care you need, wherever you are. Let’s review the most important coverages included in Sanitas Mundi plans:

• General and specialized medical consultations: Access to general practitioners and specialists for diagnosis, treatment, and follow-up.
• Hospitalization: Includes expenses for hospital admissions, surgeries, and care in intensive care units.
• Emergency care: Coverage for medical emergencies, both in hospitals and outpatient clinics.
• Diagnostic tests: Laboratory tests, imaging studies such as X-rays, MRIs, and other necessary procedures to identify diseases.
• Treatments and therapies: Includes physiotherapy, rehabilitation, and specialized treatments such as chemotherapy or radiotherapy.
• Basic dental coverage: In some plans, it includes cleanings, fillings, and minor treatments.
• Maternity and childbirth care: Access to prenatal checkups, ultrasounds, and hospitalization for childbirth.
• Prescription medications: Partial or full reimbursement for prescribed medications depending on the selected plan.
• Medical repatriation insurance: For cases where the insured needs to be transferred to their home country or a specific medical center.
• Vaccines and preventive checkups: Coverage for vaccinations and annual checkups depending on the selected plan.
• Travel medical assistance: Access to care in case of emergencies during temporary travel outside the country of residence.

Note, the services included may vary depending on the plan you choose. Therefore, it’s essential to review the specific details before purchasing your insurance.

What health care or medical services are excluded from Sanitas Mundi insurance?

Have you ever wondered what would happen if you needed a medical treatment not included in your insurance? Although Sanitas Mundi offers wide and reliable coverage, no insurance covers absolutely everything. Knowing which services fall outside its reach will help you plan better and avoid unexpected expenses. Here are the most important exclusions in Sanitas Mundi’s international plans:

• Undeclared pre-existing conditions: If you have a pre-existing medical condition and did not disclose it when purchasing the insurance, it is likely not covered.
• Cosmetic or aesthetic treatments: Procedures like plastic surgeries, aesthetic dental treatments, or non-essential procedures are excluded.
• Long-term psychiatric care: Although some plans may cover initial consultations, continuous mental health treatments are usually not covered.
• Uncontrolled chronic diseases: If a chronic illness requires intensive treatments or exceeds what is stipulated in the contract, these expenses will not be reimbursed.
• Non-basic prosthetics and medical devices: Items like wheelchairs, hearing aids, or specialized prosthetics are typically the responsibility of the insured.
• Extended or experimental rehabilitation: Extended rehabilitation treatments or therapies still in the experimental phase are excluded from standard plans.
• Maternity outside of established conditions: Expenses related to childbirth or neonatal care may be limited to specific conditions in the plan.
• Accidents from high-risk sports: Activities like climbing, professional diving, or extreme sports are not covered in regular plans.

Opinion on international health insurance prices

One of the most important factors for almost everyone when looking for international health insurance is the price. In the case of Sanitas Mundi, its rates are designed to fit different profiles and needs, from travelers to expatriates and international students. However, like with any insurance, the cost can vary depending on the plan you choose, the duration of the coverage, and any additional services you may need.

In general terms, the prices of Sanitas Mundi’s insurance are in a competitive range within the international health insurance market. Basic plans typically have more affordable premiums but include copays for certain services, such as specialist consultations or advanced treatments. On the other hand, comprehensive plans, although more expensive, offer more complete coverage (and no copays in most cases).

• Basic plans: Lower rates but with coverage limits in hospitalization and specialist consultations. They require copays for services such as diagnostic tests or prescribed medications. Estimated price: From €300 ($340) per month, depending on the insured’s profile.
• Comprehensive plans (Sanitas Mundi €1,000,000 ($1,080,000)): Higher premiums but cover most medical expenses, including advanced therapies, full hospitalization, and long-term treatments. This plan offers up to €1,000,000 ($1,130,000) of annual coverage and reimburses 90% of medical expenses abroad for hospitalization and 80% for outpatient care. Estimated price: From €450 ($510) per month.

Payment flexibility: The plans allow for adjustments in monthly premiums based on the level of coverage and the possibility of adding supplements. They also offer discounts for group policies, ideal for families or businesses.

Copays: In some plans, copays apply to specific services such as dental care, consultations outside the network, or non-generic medications.

When compared with other international insurers, Sanitas Mundi offers good value for money. Its customization options and the balance between rates and coverage make it an attractive alternative for those seeking medical security while traveling or living abroad. That said, it’s important to review the specific terms and limits of each policy to ensure they match your needs and budget.

How’s customer service?

Another key factor to consider when choosing an insurer is the speed at which they resolve your questions or problems when you need it. Sanitas Mundi’s customer service is designed to provide fast and efficient support to its users. They offer several channels to contact their customer service team:

• Phone line: Available 24 hours a day for medical emergencies and general inquiries. During regular hours, you can also receive advice on coverage, billing, and claims.
• Email: Ideal for non-urgent inquiries or submitting documents related to reimbursement requests.
• Chat: Available on their website and app, a useful tool for resolving quick questions without needing to make a call.
• Physical office network: If you prefer in-person assistance, Sanitas Mundi has offices in several cities in Spain for personalized consultations.
• Client portal: From your online account, you can manage tasks like reimbursement requests or policy inquiries.

Regarding response times, users note that the phone support is efficient, resolving emergencies immediately. Email consultations, on the other hand, can take between 24 and 48 hours. However, the availability of the online chat significantly speeds up the clarification process.

In general, customers positively evaluate the service. They highlight the friendliness of the agents and their ability to resolve issues. Although some users mention that during peak hours, it’s common to have to wait quite a bit, they still rate the service as good.

Sanitas Mundi website and app review

Today, a company that doesn’t have a functional website cannot compete with similar ones. When users look for information about international health insurance, they want the website to be clear, easy to use, and help them make decisions quickly. Sanitas Mundi’s website meets these objectives. It features a well-structured page and an app that complements the digital experience.

Sanitas Mundi’s website stands out for its intuitive design. Navigating between the different insurance options and coverages is easy thanks to clear and accessible menus. The information is organized in such a way that even those unfamiliar with insurance can understand what each plan includes. Furthermore, the registration options are straightforward, with quick forms that simplify the signup process. The available payment methods ensure secure and convenient transactions.

The app, on the other hand, makes it easy to access your policy and streamlines usual tasks such as requesting reimbursements or checking coverages. One of the most useful features is geolocation, which helps you find nearby medical centers wherever you are. It also allows direct contact with customer support, saving time in case of inquiries or emergencies. Although some users report that it could improve in terms of stability and speed, in general, the app meets the needs of those who want to manage their insurance from their mobile (remember to get your monthly Holafly plan to be able to contact them at any time!)

Together, the Sanitas website and app offer an efficient and transparent experience. While there are details that could be optimized, such as the speed of certain app features, both resources are designed to facilitate user interaction with the company from initial registration to everyday management.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

Advantages and Disadvantages of Sanitas Mundi International Health Insurance

Throughout the article, we have analyzed different aspects of Sanitas Mundi insurance. While they stand out in many areas, there are also aspects that could be improved. To give you a clearer picture, we’ve created a comparison table with its main advantages and disadvantages:

Advantages and disadvantages of Sanitas health insurance: User opinions

Sanitas Mundi User Experiences and Client Opinions

We cannot finish this review of what Sanitas Mundi health insurance offers without diving deeper into the experience of those who have already used it. This is something you should seriously consider before making a decision. Knowing how effective a company is in real situations not only provides peace of mind but also allows you to assess whether it is what you’re looking for. As you can imagine from the previous table, Sanitas has its strengths but also areas for improvement. Let’s take a look at what those who have already contracted their services are saying:

Reimbursement requests and bureaucracy of Sanitas health insurance: User opinions

Is it complicated to get a reimbursement with Sanitas Mundi? This is a point that concerns many users before purchasing international health insurance. Opinions on this vary, and experiences greatly depend on how clear the process is and the documents submitted. While some praise the system’s efficiency, others highlight difficulties in specific cases.

• Positive aspects: Many highlight that the request process is clear and that, in general, reimbursements are received within a reasonable timeframe, especially for pre-approved treatments. The possibility to manage everything through the app or web portal is another plus.
• Negative aspects: Some users mention that response times can be extended, especially in complex cases or when documentation is unclear. There are also complaints about the number of procedures required for certain claims, which could be simplified.

Healthcare service coverage

Medical coverage is one of the core pillars for those seeking international insurance. In the case of Sanitas Mundi, opinions on the medical benefits range from regular consultations to more specialized treatments. But does it meet expectations? Users give positive feedback on some aspects but criticize others.

• Positive aspects: Most users are satisfied with the coverage offered for medical consultations, hospitalization, and emergencies. The more comprehensive plans include preventive checkups and specialized therapies.
• Negative aspects: Some clients point out that the exclusion of pre-existing conditions limits its usefulness, especially for those looking for comprehensive coverage. Others mention that certain services, like dental care, are not included in all plans, which can lead to additional costs.

Renewal and Cancellation of Health Insurance

How easy is it to renew or cancel a plan with Sanitas Mundi? For many, automatic renewal is an advantage. Others consider the cancellation process could be more agile. Here’s what users have said about flexibility and the challenges they faced in both scenarios:

• Positive aspects: Users appreciate that the renewal is automatic, preventing interruptions in coverage. Additionally, many value the flexibility to adjust plans based on their needs.
• Negative aspects: Some users have had difficulties canceling the service, mentioning that the process can be cumbersome and requires multiple confirmations. This causes frustration, especially for those who no longer need the insurance.

Compatibility with visas and immigration procedures of Sanitas health insurance: opinions

For those looking to study, work, or move abroad, having health insurance that meets visa requirements is essential (and in some cases, mandatory). Sanitas Mundi is an option that many consider first, but what do those who have already used it say? Let’s see how this insurer behaves when it comes to regulations and what experiences customers have had during their immigration processes.

• Positive aspects: Sanitas Mundi meets the insurance requirements for student and work visas in various countries. Users highlight that the coverage certificate is clear and delivered quickly.
• Negative aspects: some experiences report that not all countries accept basic plans as sufficient for residency procedures. This forces users to opt for more expensive plans to meet the required standards.

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