Expat Health Insurance Spain

Get the Best Health Plans Tailored to Expats needs

At UEI, we provide expat health insurance in Spain tailored specifically for expatriates. Our expert team offers a wide range of high-end Spanish private health insurance plans from leading providers, ensuring top-quality coverage at competitive prices. Whether you need the cheapest private health insurance for Spanish residency, complete student insurance, maternity coverage, critical illness protection, or moving to Spain health insurance, our plans are designed to meet your unique needs while ensuring you fulfill all necessary criteria for your visa.

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Affordable Expat Health Insurance Spain Cost. Get the Best Value Plans

Individual & family Spain expat health insurance

We offer private medical insurance Spain with or without copayments, tailored for individuals and families.

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International students health insurance Spain

Our private medical insurance in Spain for international students includes no Copays and no waiting periods.

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International residents medical insurance Spain

Enjoy comprehensive international health insurance Spain with 80% expense reimbursement, offering coverage options of €150,000 or €300,000, all with zero copayments. Perfect for expatriates seeking top-tier protection without hidden fees.

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Additional private health cover in spain

With our Spain health insurance for foreigners, you can enjoy an extensive array of additional services that enhance your primary coverage. These services may include family assitance, Spanish health cover and digital medical services:

Preventive Medicine Programs

Clinical Psychology

Home assistance

Video Consultations

Access to Digital Health Programs

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spain digital nomad visa health insurance and Self-Employed Individuals

digital nomad visa spain health insurance

Our Digital Nomad Health Insurance Spain is designed for self-employed professionals and freelancers seeking exceptional healthcare for themselves, their families, and/or employees. It provides extensive medical coverage and access to top-level medical professionals and specialists.

+ No additional expenses or upfront payments

+ Coverage for family members, employees, or their families

+ Exempt from income tax (IRPF) up to €500

+ Maximum contracting age: 75 years old.

+ Without maximum age limit for staying.

Primary care, medical specialities and diagnostic tests
Hospitalization and surgery
International second medical opinion
Dental cover
Medical expenses coverage
Digital medical services
Assistance in case of a work or traffic accident
In case of home confinement or hospitalization *
Funeral insurance plan in case of accidents in Spain **
Healthcare coverage for workplace and traffic accidents, or occupational illness ***

* Insurance payment coverage, home care assistant, mobility guarantee and childcare, physiotherapy service, and home delivery of medications and mail.

** Maximum capital of €5250. Funeral service and nationwide repatriation of the deceased.

*** The services are also provided for temporary disability, not only for hospitalization.

From €30,52/month

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Comprehensive Health Insurance Spain Expats Solutions for Residency and Beyond

Spanish Residency Health Insurance

Obtaining Spanish residency health insurance is essential for those seeking residency in Spain. We offer comprehensive plans, including private health insurance Spain for NIE, to ensure you meet all legal requirements. Our tailored solutions also include Spanish medical insurance for residency, providing full coverage and peace of mind as you settle into your new life in Spain.

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Spanish Private Health Insurance for Expats

Our expat health insurance offers comprehensive coverage in Spain and abroad, with 24/7 support in English and Spanish, plus digital health services. We also provide tailored Spain health insurance expat solutions for diverse needs, ranging from short-term health insurance for international students to long-term care, including expat health insurance in Spain for over 75.

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Faster Appointments, Better Coverage, and the Best Average Cost of Private Health Insurance in Spain

By choosing Spanish private health insurance companies, you unlock access to more comprehensive services compared to the public healthcare system. Enjoy the benefits of private hospitals and clinics, reduced waiting times, and flexible plan options with or without copayments, all while staying within the best average cost of private health insurance in Spain.

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Key Benefits of expat medical insurance spain

The best spanish medical insurance includes primary care, pediatric services, nursing, and 24/7 emergency care. Enjoy unlimited consultations in medical specialties like gynecology, cardiology, dermatology, and more, with some limitations in podiatry and psychology.

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Get up to 20% off when bundling home insurance with other policies

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Make the most of Spanish health insurance comparisons

Access the University Clinic of Navarra in Pamplona and Madrid, known for its prestigious reputation and cutting-edge technology.
Pharmacy: Easily request your electronic prescriptions, available in your health folder. Chat with pharmacy professionals for any concerns.
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Faqs Expat Health Insurance Spain

General Information

What is health insurance in Spain and how does it work?

Health insurance in Spain, known as "seguro médico," is a policy that covers your medical expenses and provides access to private healthcare services, ensuring quicker treatment times. You pay regular premiums for this coverage. Understanding how health insurance works in Spain is crucial for both residents and expatriates. For more details, visit United Expat Insurance.

Is health insurance mandatory for residents in Spain?

Health insurance is not mandatory for all residents in Spain. While the public healthcare system offers services funded by taxes, private health insurance is common for those seeking faster access to medical care and additional benefits. United Expat Insurance can guide you in choosing the right private health insurance plan.

What is the difference between public and private health insurance in Spain?

Public health insurance (SNS) is funded through taxes and provides free or low-cost healthcare. Private health insurance offers additional benefits, such as quicker appointments, access to private clinics, and a wider choice of doctors, enhancing your overall healthcare experience. For expert advice on private health insurance, United Expat Insurance is a trusted partner.

Can expats get health insurance in Spain?

Yes, expatriates in Spain can obtain private health insurance plans to complement the public system. Many insurers offer policies specifically tailored for expats, covering various needs and ensuring compliance with Spanish visa requirements. United Expat Insurance specializes in finding the right coverage for expatriates.

Choosing the Right Plan

How do I choose the right health insurance plan in Spain?

To choose the right health insurance plan, consider factors such as coverage, network of providers, costs, and additional services. Evaluate your specific healthcare needs, compare different plans, and consult with an insurance broker. United Expat Insurance can help you navigate these choices and find the best plan.

What are the options for cheap medical insurance plans in Spain?

Affordable medical insurance plans in Spain include basic coverage options with essential services at lower premiums. Many insurers offer cheap medical insurance plans suitable for expatriates, students, or those seeking basic coverage, helping you manage costs while accessing private healthcare. United Expat Insurance offers expert advice on finding cost-effective plans.

How can I find the best health insurance in Spain for my needs?

To find the best health insurance in Spain, assess your healthcare needs, compare various policies, and consult an insurance expert. Look for plans that offer comprehensive coverage aligned with your specific health requirements and budget. United Expat Insurance is here to help you find the most suitable plan.

What is good health insurance for expats in Spain?

Good health insurance for expats in Spain should offer comprehensive coverage, access to a wide network of healthcare providers, and compliance with visa requirements. Opt for plans that include benefits like 24/7 support in English and coverage for emergency care. United Expat Insurance can help you find the best options tailored to your needs.

Additional Information

What is an EOB (Explanation of Benefits) in health insurance?

An EOB is a statement from your insurance company detailing the services provided, the amount billed, what the insurance covered, and any patient responsibility. It helps you understand how your claims are processed and the financial details.

Why is health insurance important?

Health insurance is vital because it protects you from unexpected medical expenses, ensures access to quality healthcare, and offers financial peace of mind in case of illness or injury. It helps manage the cost of medical care and supports overall health and well-being.

How can I get health insurance?

You can obtain health insurance through your employer, the health insurance marketplace, or by purchasing directly from an insurance company. United Expat Insurance can assist you in finding the right plan.

What are the different types of health insurance?

Types of health insurance include individual insurance, group insurance, short-term health insurance, long-term health insurance, and government health plans. Each type, such as HMOs, PPOs, EPOs, and POS plans, has unique features and network options to fit different needs.

What are the benefits of group health insurance?

Group health insurance often offers lower premiums and additional benefits. It’s typically provided through employers and can be a cost-effective way to cover employees' health needs without requiring individual medical examinations.

What is the typical coverage of health insurance?

Health insurance coverage typically includes doctor visits, hospitalization, prescription medications, and preventive services. Coverage details can vary based on the plan and provider.

What is the deductible in health insurance?

The deductible is the amount you must pay out of pocket before your health insurance begins to cover medical costs. Higher deductibles usually mean lower monthly premiums, while lower deductibles can result in higher monthly costs.

What is the co-payment in health insurance?

The co-payment (or co-pay) is a fixed amount you pay for certain services, such as doctor visits or prescriptions, with your insurance covering the rest. Co-pays can vary depending on the service and plan.

Specific Types of Insurance

What is temporary health insurance, and when is it useful?

Temporary health insurance provides coverage for a limited period, making it ideal for short stays, study abroad programs, or temporary work assignments. It ensures you have access to private healthcare without long-term commitments. United Expat Insurance offers solutions for temporary health insurance tailored to your situation.

What is supplemental health insurance, and how does it work in Spain?

Supplemental health insurance covers additional services not included in your primary plan, such as dental care, vision care, or specialized treatments. In Spain, it complements your main health insurance to provide more comprehensive coverage. United Expat Insurance can help you find the right supplemental plan.

What is care insurance, and who needs it?

Care insurance, or long-term care insurance, offers financial support for ongoing medical assistance, particularly for the elderly or those with chronic conditions. This insurance is crucial if you need coverage for home care or specialized care facilities. United Expat Insurance provides expert advice on care insurance options.

How does cancer insurance work in Spain?

Cancer insurance provides specific coverage for the diagnosis, treatment, and recovery from cancer. It supplements general health plans by covering cancer-related costs such as chemotherapy, specialist consultations, and other necessary treatments. United Expat Insurance can help you find comprehensive cancer insurance options.

What is a neighborhood health plan, and how does it apply to expats in Spain?

A neighborhood health plan is a local insurance option providing community-based healthcare solutions. While not widely applicable to expats, similar localized plans can offer affordable alternatives. Consulting with a broker like United Expat Insurance can help identify suitable options for expatriates.

Can independent health insurance be better than group health plans in Spain?

Independent health insurance offers customized coverage tailored to individual needs, making it ideal for those who require specific benefits. While group plans can be cost-effective, independent plans provide more flexibility and control over your coverage. United Expat Insurance can assist in finding the best independent health insurance options.

What is value-based healthcare, and is it available through private health insurance in Spain?

Value-based healthcare focuses on improving health outcomes while optimizing costs. Some private health insurance plans in Spain incorporate value-based models, rewarding providers for delivering high-quality care rather than volume, which can lead to better patient experiences and cost savings. United Expat Insurance offers plans with value-based healthcare options.

What is single-payer healthcare, and how does it differ from private health insurance in Spain?

Single-payer healthcare involves a single public entity managing all healthcare funding and payments, as seen in Spain’s public system. In contrast, private health insurance offers additional benefits like faster access to services, a wider choice of providers, and enhanced care options. United Expat Insurance can help you navigate these differences and find suitable private health insurance.

What is Wellcare insurance, and is it available in Spain?

Wellcare insurance typically refers to comprehensive health plans emphasizing wellness and preventive care. In Spain, many private insurers offer wellness benefits like gym memberships, health checkups, and nutritional counseling as part of their plans. United Expat Insurance provides access to Wellcare insurance options.

How do I find health insurance solutions online for expats in Spain?

Finding health insurance solutions online is straightforward with platforms like United Expat Insurance. You can compare various health insurance options, request quotes, and find tailored plans that meet your visa and healthcare needs, all from the comfort of your home.

Where can I find health insurance near me in Spain?

For local health insurance options in Spain, work with a broker specializing in expat coverage. United Expat Insurance offers personalized consultations and can connect you with the best local providers to suit your healthcare needs.

United Expat Insurance Provides Expert and Empathetic Insurance Solutions for Expatriates in Spain