Néctar Contigo
Néctar Contigo is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
SANITAS pays directly to designated centers and providers abroad (médicos, cirujanos, hospitales/clínicas) through its concerted network. For vital emergencies the insured attends the nearest center and notifies SANITAS within 7 days. Expenses below €3 are excluded.
Geographic scope
Spain (insured resident in Spain traveling abroad)
Coverage applies outside Spanish territory, for trips up to 90 consecutive days from trip start
Starting from
€30
Unique selling points
- Travel emergency medical coverage up to €12,000 per person per year is included as standard in the base health policy at no extra premium — competitors often sell this as a separate add-on.
- Access to over 15,000 healthcare professionals and more than 100 hospitals across 40 provinces in Spain through a dedicated Néctar Contigo medical network at a competitive price point averaging around €30/month.
- First 6 medical services per year free of co-payment, with an annual co-payment cap of €320 per insured, enabling significant savings for lower-frequency users.
- Backed by Bupa, one of the world's largest international healthcare groups, providing financial stability and access to Bupa's global healthcare expertise and digital innovation programs.
- Sanitas 24 horas included: unlimited telephone medical advisory and emergency guidance service available 365 days a year, plus video consultation access through Mi Sanitas for remote specialist appointments.
Coverage limits
Emergency medical expenses abroad (aggregate annual limit)
Covered
Covers medical expenses (doctors, surgeons, hospitals/clinics), prescribed medications, hospitalization costs, and local ambulance ordered by a doctor, all originated outside Spain and provided through SANITAS-designated centers. Maximum €12,000 per insured person per policy year. Expenses below €3 are excluded. This aggregate limit applies jointly to all medical services under this coverage.
Urgent medical treatment abroad
Covered
Urgent medical and surgical treatment by doctors, surgeons and hospitals abroad for illness or accident. Prior authorization required before any treatment (except vital emergencies). Covered within the €12,000 aggregate annual limit. For vital emergencies, the insured may attend the nearest clinic and must notify SANITAS within 7 days.
Hospitalization costs abroad
Covered
Hospitalization costs abroad are included as part of the emergency medical expenses coverage, subject to the aggregate €12,000 per person per year limit.
Outpatient treatment abroad
Covered
Outpatient medical consultations and treatment by doctors and specialists abroad are covered as part of the emergency medical expenses guarantee, within the €12,000 aggregate annual limit.
Emergency dental expenses abroad
Covered
Emergency dental expenses abroad are covered up to a maximum of €300 per insured. Excluded: endodontics, aesthetic reconstructions of prior treatments, oral cleaning, prostheses, crowns and implants.
Medical transport to treatment point abroad
Covered
SANITAS covers transport of the ill or injured insured under medical supervision to the nearest treatment point where the required treatment can be performed. SANITAS medical service decides the means of transport and the destination medical center. Local ambulance ordered by a doctor also covered within medical expenses. No monetary sub-limit stated separately; included within aggregate €12,000 limit.
Medical evacuation abroad
Covered
Covered as part of the medical transport guarantee (item 2 of the abroad coverage): SANITAS organizes and covers transport of the insured under medical supervision to the appropriate treatment point. The SANITAS medical service decides the means of transport. No separate monetary sub-limit stated; included within the aggregate coverage framework.
Repatriation of mortal remains
Covered
In case of death of the insured abroad, SANITAS organizes and covers the transfer of the coffin to the place of burial in the country of habitual residence, including the minimum obligatory coffin, embalming, and administrative formalities. Upon request of beneficiaries, SANITAS also covers cremation at the place of death and transport of ashes to the country of habitual residence. Funeral and burial costs are excluded.
Search and rescue
Excluded
No search and rescue coverage is stated in the Néctar Contigo abroad coverage section. The baggage search service (item 8) is administrative assistance for lost luggage, not search and rescue.
COVID-19 treatment abroad
Conditional
COVID-19 treatment abroad is not explicitly mentioned. Under the general terms, pre-existing known conditions and epidemias declaradas oficialmente are excluded (Cláusula III.B). An acute COVID-19 illness not known before the trip and not constituting a declared official epidemic would be covered as a general emergency illness within the €12,000 limit. However, if COVID-19 is declared an official epidemic, it would be excluded.
Pre-existing conditions
Excluded
Expenses caused by the diagnosis or treatment of a physiological condition or illness already known before the trip start date are excluded, unless it is a clear and unforeseeable complication. Treatments prescribed in Spain before departure are also excluded. Mental illnesses and chronic diseases that have caused health alterations in the insured are also excluded.
Winter sports cover
Excluded
Injuries from practicing winter sports as an amateur are excluded. Cláusula III.B specifically lists off-piste skiing with jumps ("esquí fuera de pista o con saltos de trampolín") as a risk sport. Injuries from such activities are not covered under this policy.
Adventure sports cover
Excluded
Injuries from practicing high-risk adventure sports as an amateur are explicitly excluded under Cláusula III.B. Listed excluded sports include: aerial activities, motor vehicle speed trials, scuba diving, bobsleigh, climbing, boxing, martial arts, bullfighting, rugby, quad, speleology, water navigation, rafting, bungee jumping, hydrospeed, canyoning, parachuting, paragliding, ballooning, free flying, gliding, hunting, horse riding, and any similarly risky activity.
Pregnancy complications abroad
Conditional
Not explicitly addressed in the abroad coverage section. Pregnancy and childbirth are covered domestically under the main policy, but the abroad emergency coverage only covers urgent medical needs arising from illness or accident. Clear and unforeseeable pregnancy complications could qualify as covered under the general emergency illness clause, but routine pregnancy care and planned deliveries abroad are excluded. Domestic coverage excludes deliveries outside hospital settings.
Personal liability abroad
Excluded
Personal liability coverage is not included in the Néctar Contigo abroad coverage section. The legal assistance provision (item 11) covers only legal costs arising from traffic accidents, and the bail advance (item 12) is a loan, not a liability indemnification.
Legal assistance abroad (traffic accidents only)
Conditional
SANITAS pays up to €1,500 for lawyer and court representative fees arising from legal assistance following a traffic accident abroad. This coverage applies only when the insured is imprisoned or prosecuted as a result of a traffic accident. If this benefit is also covered by the vehicle insurance policy, the payment is treated as an advance to be repaid by SANITAS. A bail advance of up to €10,000 is also available as a loan (item 12).
24/7 telephone assistance service
Covered
The Sanitas 24 horas service provides 24/7 telephone assistance for medical advice, emergency guidance, and coordination of the abroad coverage services. For abroad coverage, prior authorization must be requested through the telephone number on the back of the card before any non-vital medical service. The service also transmits urgent messages (item 14) and coordinates all logistical aspects of the abroad coverage.
Key conditions
Assistance call deadline
The insured must contact SANITAS and request prior authorization BEFORE any medical service is performed (except vital emergencies). In case of vital emergency, the insured must notify SANITAS within a maximum of 7 days from hospital admission, providing a copy of the emergency medical report.
Unauthorized treatment
Medical services received without prior SANITAS authorization (except vital emergencies) are not covered. SANITAS will not cover costs from non-designated providers or unauthorized treatments. The authorization voucher is void if the insured does not meet all policy requirements at the time of service.
Purchase while abroad
This coverage is an integral part of the main Néctar Contigo health policy and cannot be purchased independently while already abroad. The policy must be in force and premium payments up to date for the abroad coverage to apply.
Chronic conditions
Chronic diseases that have caused health alterations in the insured are explicitly excluded from the abroad coverage. Pre-existing chronic conditions known before the trip start date are also excluded, unless a complication is clear and unforeseeable.
Pregnancy
The abroad emergency coverage does not explicitly cover pregnancy. Clear and unforeseeable pregnancy complications occurring abroad may be covered as a general medical emergency within the €12,000 limit. Planned deliveries and routine antenatal care abroad are not covered under the abroad emergency supplement.
pre_existing_conditions
Expenses for diagnosis or treatment of a physiological condition or illness already known before the trip start date are excluded. Exception: when such condition leads to a clear and unforeseeable complication abroad, that complication may be covered. Treatments prescribed in Spain prior to the trip are excluded.
coverage_duration_limit
The abroad emergency coverage applies only for trips of up to 90 consecutive days from the trip start date. Medical assistance must be required within those 90 consecutive days for coverage to apply.
Policy specifics
Travel emergency medical coverage
Medical emergency coverage for trips abroad with maximum annual limit of €12,000
Travel assistance telephone service
24/7 telephone emergency assistance and medical advice service for international travel
Medical repatriation and transport services
Covers transportation of insured person if ill or injured abroad, transportation of family members, transportation of minors, and early return in case of family death