Health Insurance for Expats in Spain (2026 Guide): How to Choose, Compare & Apply for Private Health Insurance
This guide focuses on choosing and using private health insurance for expats in Spain.
For the full legal and system overview:
Who Needs Private Health Insurance
You need private insurance if you:
- Apply for a visa
- Are not in Social Security
- Are retired or studying
Visa rules:
Visa rules are defined by MAEC:
Private health insurance is mandatory for many applicants, including those applying for the
Non-Lucrative / Retirement Visa Spain and the Student Visa Spain, where policies must meet strict consular requirements.
Types of Plans
- Visa-compliant plans (no copays)
- Resident private plans
- Student & digital nomad plans
- Senior plans (70–75+)
What Coverage Includes
- GP & specialists
- Hospitalization
- Emergencies
- Diagnostics
- Oncology
What Is Not Covered
- Pre-existing conditions (varies)
- Advanced dental
- Experimental treatments
Costs
- €40–€120/month for most adults
- Higher for seniors
Only insurers authorised by the Spanish regulator can issue valid policies:
How to Choose the Right Plan
Check:
- Visa approval
- Copays & waiting periods
- Hospital network
Seniors 70–75+
How to Apply
- Share your situation
- Compare plans
- Activate
- Receive certificate
