Sharing in the costs of services, or co-payment, is a measure implemented by the majority of health insurance companies to bring about the responsible use of medical services. Co-payments help Sanitas to keep their premiums as low as possible. You make a small contribution towards the costs of your treatment. The idea is that If you don´t use your insurance you are paying less, but if you use it you pay a little more. For each visit to a doctor and for each treatment you receive, you make a contribution.
- The insured pays a published minimum amount for each use of Sanitas healthcare services.
- This avoids generalised increases in premiums, resulting in a saving for all clients thanks to the distribution of costs according to individual use of services.
- It is often a fixed cost, although on occasion there is a graduated co-payment, meaning that the sharing of the costs of a service increases due to a high frequency of use.
How much are the co-payments?
Basic:
- House-call emergencies: €24
- Hospital emergencies: €24
- 24-hour Sanitas: €1 + cost of phone call
- All other services: €12
- Physiotherapy €7.80
Classic:
As Basic plus:
- Hospital admissions: 24€
- Rehabilitation doctor: 7.80€
- Rehabilitation: 7.80€
- ATS (Registered Nurse): 7.80€
For new Classic policies the co-payments are graduated as follows:
- From 0 to 6 treatments = €0
- From 7 to 10 = €3
- From 11 to 15 = €6
- Over 15 = €9
Special rates apply to courses of physiotherapy
How are co-payments charged?
You do not pay at the time but the payment will be charged to your bank account quarterly and you will receive a statement.
