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Self-Employed Health Protection Insurance

Health insurance for the self-employed

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With the Sanitas guarantee

Insure your healthcare with comprehensive insurance

 With Self-Employed Health Protection Insurance, you can count on a large medical team with more than 58,000 professionals at Sanitas’ own centres and those it has agreements with. Comprehensive insurance that includes primary medicine and specialties, hospitalisation, surgical operations, emergencies (in Spain and abroad) and the possibility of getting a second medical opinion. And, in addition, its cost is deductible in the personal income tax return (up to 500 euros/year per insured person)1. Request it
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Digital services

Enjoy your health insurance without leaving home

 Access an extensive catalogue of services from your mobile: medical directory, digital card, etc. And as a self-employed person avail of digital health programmes to suit your needs and exclusive services such as prescriptions sent to your smartphone and medication2 sent from the pharmacy to your home.  Request it
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Extra coverages

Discover the new "Take care of yourself at home" and "Digital ecosystem" coverage

 Forget about unnecessary trips with tests at home and digital physiotherapy. And avail of the advantages of having coverages such as pharmacy  reimbursement and health programmes, as well as other digital services. Designed to be accessed with just one click. Request it
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Dental protection

Protect you and your family’s dental health

 You can extend the coverage of your health insurance by taking out dental protection, which includes more than 53 dental services in the policy and access to other treatments with special terms and conditions in their pricing. We have a network of our own centres, with more than 200 dental clinics throughout Spain and emergency dental services for any unforeseen events.  Request it
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Choose the payment method that suits you best
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If you choose the health insurance with co-payment option, you’ll pay a small fee every time you use your policy.

With Health Protection with co-payment you’ll pay €3.50 for each medical session and €9 for each psychology session.

With the medical insurance without co-payment option you’ll have free access to the medical team and you won’t have to pay for each medical session you require. 

Health Protection without co-payment means you won’t have to worry about any additional costs for the use of your policy.

Health insurance with reimbursement gives you the utmost peace of mind when it comes to your health.  You can go to any professional and/or medical centre in the Sanitas medical directory, with the same scope of insured coverage as in the associated medical directory, and you’ll be reimbursed by up to 80% and up to €200,000 per person per year (with sub-limits), in Spain and abroad.

The advantages of Self-employed Health Protection Insurance

  • Sanitas guarantee
    With a medical panel made up of more than 58,000 professionals and 24-hour care.

  • Extensive coverage
    It includes primary care, surgery, diagnostic tests and emergencies in Spain and abroad.

  • Flexibility
    Choose the payment method and type of insurance: monthly, quarterly, yearly, with co-payment, without co-payment or with reimbursements.

  • Tax advantages
    Tax deductible for personal income tax (IRPF), up to €500 per insured person1.

  • Sanitas guarantee
    With a medical panel made up of more than 58,000 professionals and 24-hour care.

  • Extensive coverage
    It includes primary care, surgery, diagnostic tests and emergencies in Spain and abroad.

  • Flexibility
    Choose the payment method and type of insurance: monthly, quarterly, yearly, with co-payment, without co-payment or with reimbursements.

  • Tax advantages
    Tax deductible for personal income tax (IRPF), up to €500 per insured person1.
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Manage your health via your mobile with the My Sanitas app

 Request your appointments and medical tests, check your results and access your card. All just one click away.
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Self-employed Subsidy Protection

You can work with peace of mind, because your business is important to you, but your health even more so

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Figures that speak for themselves

Online banking for companies, self-employed and businesses
With Banco Sabadell, carry out your day-to-day transactions in complete security through the channel of your choice.
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Do you have any questions? We're here to help you

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Exclusive telephone service for customers, attended by business specialists.
962 000 610 from Monday to Thursday from 8 a.m. to 5 p.m. and Friday from 8 a.m. to 3 p.m.

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Customer Service Department @Sabadell_Help
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Legal terms and conditions

Insurance subject to the conditions, coverage, insured amounts, limits and exclusions established under the general and specific conditions of the policy.

Health Protection, Health Protection Plus 60 and Dental Protection are insurance products from the following insurers: Sanitas, Sociedad Anónima de Seguros and BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros as co-insurers, each participating 50% in the co-insurance.  

Sanitas Sociedad Anónima de Seguros, NIF A28037042 and registered offices at Calle Ribera del Loira, 52, 28042, Madrid, Spain, is registered in the Mercantile Register of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code C-320.  

SME Life Protection is an insurance policy from Bansabadell Vida, S.A., de Seguros y Reaseguros with tax ID No. A-08371908 and registered offices at Calle Isabel Colbrand, 22, 28050, Madrid. Registered in the Mercantile Register of Madrid and in the Register of Insurance Companies of the General Directorate of Insurance and Pensions (DGSyFP) under code number C-0557.

Protección Subsidio Autónomo (Self-Employed Income Protection) is a commercial name of the product that DKV Seguros y Reaseguros, S.A.E. markets under the brand name DKV Renta, with its own specifications and technical notes of the same product that are available to the public at the insurer's registered offices. You can consult the previous information document about the insurance product and its general conditions on the DKV website, with registered office in Spain, WTCZ —Edificio DKV—, Avenida María Zambrano, 31, 50018, Zaragoza, registered in the Mercantile Register of Zaragoza, in volume 1711, folio 214, page Z-15152, with Tax ID  Number A-50004209 and registered in the Administrative Register of Insurance Companies of the DGSyFP with the code C-0161.

Insurance mediated by BanSabadell Mediación, Linked Banking Insurance Operator of the Banco Sabadell Group, S.A. (“BanSabadell Mediación”) and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación is domiciled at Avenida Oscar Esplá, 37, Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSFP under code no. OV-0004, acting for Sanitas Sociedad Anónima de Seguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancsabadell.com/bsmediacion.

1 In the case of self-employed individuals who are under the direct estimate scheme, health insurance can be deducted in the personal income tax return in accordance with the terms and conditions set forth in those regulations. Tax advantages do not apply in Guipúzcoa, Vizcaya or Álava.


2 Delivery of your medicines from the pharmacy to your home within a maximum of three hours (six deliveries per insured person per year).
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Self-Employed Health Protection Insurance