How I work, how I'm paid and how I show prices

Who is behind this website

Owner

Tomás Schwaighofer Pérez

Status

Exclusive insurance agent («agente de seguros exclusivo») of Sanitas, S.A. de Seguros

Registration

Registered in the register of insurance distributors of the DGSFP (Directorate-General for Insurance and Pension Funds) under no. C032043207680H · check the register

Trading name

Salud Balear (saludbalear.com). This is not the Sanitas website: it belongs to its agent.

Owner details

Tax ID, address and email in the legal notice

Which products I show you, and on what basis

I only show products of Sanitas, S.A. de Seguros, with which I have an exclusive insurance agency contract: I don't compare insurers or rank products from different companies. On this website you will find Sanitas Más Salud (in its three versions: medium copay, low copay and no copay), Sanitas Residents, Sanitas Residents for visas («Residents para Visado») and Sanitas Único (from age 60).

The only criterion is fit with the details you give me: each person's age, how many people are insured, where you live and whether you need the insurance for a visa or a residence application. With that I filter which products accept the application (Más Salud up to age 75, Residents and Residents for visas up to 64 according to the Sanitas rate card, Único from 60) and work out their price. Residents for visas only appears if you tell me you need the insurance for a visa or a residence application; in that case I show only that product, because it is the one without waiting periods or copays.

There is no ranking and no «recommended» product chosen automatically: the options always appear in the same order (Más Salud from medium copay to no copay, then Residents, then Único).

If you tell me in the questionnaire whether you prefer a copay or not, the options that match carry the label «Fits what you told me». The label does not change the order or hide any option. I explain in person which one suits you.

How I'm paid

I don't charge you anything. You pay the Sanitas premium and the policy is with Sanitas. I am paid a commission by Sanitas on policies taken out through me, under my agency contract. That commission does not change the price you pay.

Is the price you see guaranteed?

No. The price shown by the calculator and the result is the Sanitas standard rate for new policies, valid from 1 April 2026 to 31 December 2026, with the Consorcio de Compensación de Seguros surcharge (0.15%) included. Sanitas confirms the final price when it accepts the application, after the health questionnaire where the product has one, and it can vary with your place of residence. For Residents for visas, which can only be paid every six months or yearly, the monthly figure is an equivalent for comparing. The promotions I mention (for example the discount for paying yearly or removing waiting periods when you switch insurer) are Sanitas promotions, and I check they are still running before you sign.

How often I update the information

I update the prices whenever Sanitas publishes a new rate card, and at least every January. I review the product conditions against Sanitas sources at the same frequency. Rate card in use: Tarifas Sanitas Abril 2026 - Particulares.

How to complain

1. If you like, tell me first and I will try to sort it out: hola@saludbalear.com or+34 623 784 459 (call or WhatsApp).
2. The formal complaint, including one about my work as an agent, goes to the Sanitas Complaints Department («Departamento de Gestión de Reclamaciones»): C/ Ribera del Loira 52, 28042 Madrid, reclamaciones@sanitas.es or any Sanitas office. It has a maximum of two months to reply.
3. If Sanitas rejects your complaint, upholds it only in part or does not reply within two months, you can go to the Complaints Service of the Directorate-General for Insurance and Pension Funds («Servicio de Reclamaciones de la DGSFP»).

Your data

Sanitas is the controller of your data and I process it on its behalf. The details are in the privacy policy, and my details as owner of the website in the legal notice.