Expat Health Insurance in Spain

Clear, Visa-Ready & Tailored Protection for Your Life in Spain

Expat health insurance in Spain should be clear, visa-ready, and adapted to your life as an international resident.

At United Expat Insurance (UEI), we help expats choose compliant private health insurance for visas, residency, and long-term living in Spain — with clear guidance and real human support in English.

No confusion. No hidden conditions. Just reliable health insurance that works when you need it.

Overview of Visa-Ready and Expat-Friendly Health Insurance Options

Health Insurance Options at a Glance

Visa applicants • Digital nomads • Students • Families • Seniors • Long-term residents

We offer expat health insurance in Spain tailored to visa requirements, age, lifestyle, and residency status — always compliant, always clearly explained.

Best for expats applying for or renewing Spanish residence visas.

  • 100% visa-approved (NLV, Residence, Student, Work conversions)
  • No copayments
  • No waiting periods
  • Full hospital & specialist care
  • Nationwide coverage

Designed for remote employees, freelancers, and international contractors.

  • Visa-compliant coverage
  • Fast access to specialists
  • Telemedicine & digital healthcare
  • English-speaking support
  • Same-day certificate

Affordable, visa-ready health insurance for international students.

  • No copays
  • No waiting periods
  • Accepted by all Spanish consulates
  • Full medical coverage

Ideal if you want faster access and English-speaking doctors.

  • Faster specialist appointments
  • No referrals required
  • Plans with or without copayments
  • Wide private hospital networks

Specialized options for retirees and older expats.

  • Comprehensive hospital care
  • Senior-friendly medical networks
  • No-copay options available
  • Guided support choosing clinics & specialists
Why International Residents Trust UEI for Healthcare in Spain

Why Expats Choose UEI for Health Insurance in Spain

Visa-compliant policies accepted by all Spanish consulates
English-speaking advisors — real people, no call centers
Tailored comparisons based on age, visa type & medical needs
Same-day visa certificate & fast activation
Independent broker — we work for you, not insurers
From Quote to Certificate in Four Simple Steps

Simple, Fast & Transparent Process

01. Tell Us Your Situation

Short 2-minute form: visa type, age, start date, location.

02. We Compare the Best Options

Only plans that meet legal and medical requirements.

03. You Choose (No Pressure)

Clear explanations. Honest pros & cons.
You stay in control — always.

04. Activation & Visa Certificate

Same-day certificate, fast onboarding, bilingual support.

Mandatory Conditions Required by Spanish Authorities

Visa Health Insurance Requirements in Spain

All Spanish consulates require health insurance with:

Public & Private Options Explained Simply

Understanding Healthcare in Spain

Spain has excellent healthcare — but expats should know:

This is why most expats choose private medical insurance.

Get a Plan Adapted to Your Visa, Age and Needs

Get Your Personalized Health Insurance Quote



    Official Visa and Residency Resources for Expats

    Useful Visa Guides Before Getting Covered

    Spain Visas Guide →

    Spain Visa Requirements →

    Digital Nomad Visa Spain →

    Residence Visa Spain →

    Retirement Visa Spain →

    Student Visa Spain →

    Job Seeker Visa Spain →

    Entrepreneur Visa Spain →

    HQP Visa Spain →

    Senior Health Insurance 70–75+ →

    Real Experiences from Expats Like You

    What Other Expats Say

    Answers Expats Ask Us Every Day

    FAQ — Expat Health Insurance in Spain

    1.Do I need private health insurance to live in Spain?

    Yes, for almost all visas.

    2.What are the residency visa requirements?

    Full medical + hospital care, no copays, no waiting.

    3.How much does health insurance cost?

    Typically €40–€120/month depending on age.

    4.Can I get coverage with pre-existing conditions?

    Depends on the insurer — we guide you.

    5.What’s the difference between public and private healthcare?

    Speed, access, English-speaking doctors.

    6.Do digital nomads need insurance?

    Yes — mandatory for the visa.

    7.Can I switch providers?

    Yes, with assistance.

    8.Are plans available for seniors 75+?

     Yes — with specialized options.

    9.Do EU citizens need private insurance?

    If you’re visiting short-term, the European Health Insurance Card (EHIC) may cover medically necessary care. But for residency or long stays, you’ll need to register with Spanish Social Security (if eligible) or take out private health insurance that meets requirements.

    10.How fast can I get my certificate?

    Same day.

    Start Your Life in Spain with Confidence.

    Clear advice. Visa-ready coverage. Real human support.

    Zero pressure. Real guidance.