The Best Healht Insurance Plans Online For Expats In Spain
We offer a range of cheap private medical insurance plans from the top health insurance companies for expatriates living in Spain, whether they’re applying for permanent or temporary residency.
With the highest quality standards
Full medical payments coverage in Spain and abroad, 24 h professional customer service in English and German and digital medical services.
Faster appointments and better coverage
Having a private healthcare provider in Spain you have access to more services than in the state healthcare system, access to private hospitals and clinics and shorter waiting times.
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Buy the best private medical insurance policy for expats in Spain
Individual and family expat health insurance
Medical network health insurance with or without copays
âĒ Primary care and 24/7 emergencies
âĒ Medical specialities
âĒ Hospitalization and surgeries
âĒ Diagnostic tests
âĒ International second medical opinion
âĒ Therapeutic methods
âĒ Dental cover
âĒ Medical expenses coverage with Worldwide Travel Assistance
âĒ Medical care in the event of a work-related or traffic accident
âĒ Biomechanical gait analysisÂ
âĒ Digital health services
Age range for contracting: 0-75 yrs old
International students health insurance
Medical network plans without copays and without grace period
âĒ Primary care, medical specialities and diagnostic tests
âĒ Hospitalization and surgeries
âĒ International second medical opinion
âĒ Dental cover
âĒ Medical expenses coverage
âĒ Repatriation to your home country in the event of the deathÂ
âĒ Assistance in case of a work or traffic accident
Age range for contracting: 14-35 yrs old                                                                                               Â
International residents health insurance
Expense reimbursement insurance 80% with âŽ150000 or âŽ300000 without copays
âĒ Free election of medical services around the world
âĒ Primary care, medical specialities and diagnostic tests
âĒ Hospitalization and surgeries
âĒ International second medical opinion
âĒ Dental cover
âĒ Medical expenses coverage
âĒ Repatriation to your home country in the event of the death
âĒ Full cover in USA
Age range for contracting: 0-64 yrs old                             Â
Benefits of private healthcare companies in Spain
- Primary care provider, pediatric and childcare services, nursing and 24 h emergency services.
- Medical specialities with unlimited consultations: gynecology, cardiology, dermatology, ophthalmology, neurology, traumatology, oncology... Only podiatry and psychology have limitations
- Unlimited surgical procedures, both inpatient and outpatient, number of hospital stay days and ambulance cover.
- Dental cover with many services for free and discounts up to 21%.
- Both simple and complex therapeutic methods. Lithotripsy, Radiotherapy (except for proton and neutron therapy), Chemotherapy, Interventional radiology, Hemodynamics, Endoscopy, and some covered laser procedures.
- Full cover for simple and complex diagnostic tests. CT Scan, MRI, Neurophysiology, Nuclear Medicine, Genetics, Endoscopy, Hemodynamics, Interventional Radiology...
Individual or group health insurance for digital nomads & self-employed
Expat Professional Health Insurance
The Expat Professional Health Insurance is aimed at all self-employed professionals or freelancers seeking the best healthcare for themselves, their loved ones, and/or employees, providing comprehensive medical coverage along with access to a network of high-level medical professionals and specialists.
+ Medical network health insurance with or without copays.
+ Without additional expenses or upfront payments, without administrative procedures.
+ Individual or group hiring, with the possibility of including family members, employees, or even family members of the employees (maximum of 4 employees).
+ The first âŽ500 of insurance premium is exempt from income tax (IRPF).
+ 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 âŽ5250. Funeral service and nationwide repatriation of the deceased.
*** The services are also provided for temporary disability, not only for hospitalization.
Additional services
Healthcare coverage
- Preventive Medicine Programs - Dental health, Child health, Early detection of gynecological cancer, Prostate cancer prevention, Coronary risk prevention
- Clinical Psychology - Depression, Anxiety, Adjustment disorders, Hyperactivity, School failure... Eating disorders (anorexy and bulimia), Bullying, Cyberbullying, Work-related stress, Gender or family violence.
Digital medical services
- Video consultations for general and pediatric emergencies 24 hours a day
- Video consultations with your general practitioner and specialists
- Acces to digital healthcare programmes: nutrition and personal trainer, pregnancy and child health, psychology, pelvic floor dysfunction, chronic patient and quit smoking
Family assistance
- Assistance at home for childcare and individuals with disabilities
- Assistance with household chores (ironing, cleaning, cooking...)
- Medication delivery
Sanitas & DKV health insurance plans help us provide the highest quality medical services for expats in Spain
'The Sanitas network includes more than 54,000 healthcare professionals, supported by an affiliated medical team nationwide, ensuring comprehensive coverage across all medical specialties.'
'DKV commitment to quick appointment assistance: DKV service aims to promptly facilitate access, if necessary, to diagnostic tests and surgical admissions as prescribed.'
Take advantage of expat health insurance plans in Spain
- Access to the University Clinic of Navarra in Pamplona and Madrid. One of the most prestigious centers worldwide with cutting-edge technology.
- Pharmacy: Easily request your electronic prescriptions, which will be available in your health folder. Access a chat with pharmacy professionals who will address your concerns.
- 30 annual sessions of home ventilator therapy with CPAP-BIPAP in severe obstructive sleep apnea syndrome. Apnea is a pause in breathing while sleeping, lasting at least 10 to 20 seconds. Up to 30 annual sessions of home therapy for severe obstructive sleep apnea-hypopnea syndrome (OSAHS) are included. CPAP-BIPAP ventilatory therapy is covered when the number of apnea-hypopnea events per hour exceeds 30.
- New diagnostic methods: 3D/4D Mammography, detecting tumors in very early stages with high sensitivity and contrast in denser breasts, avoiding unnecessary biopsies. It complements the control and monitoring of fibrocystic or oncological breast pathology.
- Da Vinci robotic surgery for localized prostate cancer. This surgery results in less blood loss, facilitates access to difficult areas, shortens hospital stays, and allows for rapid recovery.
- Online physiotherapy: Follow-up on physiotherapy treatments prescribed and supervised by a physiotherapist from your mobile device.
- Pediatric chat.
- Chat for individuals with hearing disabilities to communicate with specialists.
Frequently asked questions
What is health insurance in Spain and how does it work?
Health insurance in Spain, known as "seguro mÃĐdico," is a policy that covers your medical expenses. It ensures access to private healthcare services and shorter waiting times for treatments. You pay regular premiums for coverage. Understanding how health insurance works in Spain is crucial for residents and expatriates alike.
Is health insurance mandatory for residents in Spain?
Health insurance is not mandatory for residents in Spain. The country has a public healthcare system available to all legal residents. However, private health insurance is common and can provide faster access to medical care.
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 choice of doctors.
Can expats get health insurance in Spain?
Yes, expats in Spain can purchase private health insurance plans to complement the public system. Many insurers offer policies specifically designed for expatriates, which can be tailored to your needs.
How do I choose the right health insurance plan in Spain?
When selecting a health insurance plan in Spain, consider factors like coverage, network of providers, costs, and additional services. Evaluate your healthcare needs and budget before making a decision.
Does private health insurance in Spain cover pre-existing conditions?
Coverage for pre-existing conditions varies by insurance provider and plan. Some policies may include coverage for pre-existing conditions after a waiting period. It's important to review policy details.
What are the advantages of having health insurance in Spain?
Health insurance in Spain offers faster access to medical care, choice of specialists, and coverage for treatments not available in the public system. It can also reduce the financial burden of medical expenses.
Is there an age limit for purchasing health insurance in Spain?
Many insurers in Spain offer health insurance for individuals of all ages. However, the availability and cost of coverage may vary as you get older. It's best to compare options and plan ahead for healthcare needs.
Can I use my health insurance in Spain for emergency medical care while traveling in Europe?
Many health insurance plans in Spain include emergency medical coverage while traveling in Europe. This ensures you can receive prompt care if needed during your trips.
How can I find the best health insurance in Spain for my needs?
To find the best health insurance in Spain, evaluate your requirements, compare policies, and consider consulting an insurance broker. Look for policies that provide comprehensive coverage aligned with your health needs.
How do I choose the right health insurance plan for my family?
To choose the right plan, consider your family's health needs, budget, and preferred doctors. Compare plans and select one that offers the best coverage for your situation.
What are the key benefits of group health insurance?
Group health insurance often offers lower premiums and better coverage. It's provided through employers and can be a cost-effective way to ensure your employees' health needs are met.
Can I get health insurance if I'm self-employed?
Yes, self-employed individuals can purchase health insurance plans. You can explore individual plans, the Health Insurance Marketplace, or group plans if you have employees.
How does health insurance cover COVID-19 treatment?
Health insurance typically covers COVID-19 treatment, including testing and hospitalization. The specifics may vary by plan, so it's essential to review your policy details.
What is an EOB (Explanation of Benefits) in health insurance?
An EOB is a statement from your insurance company that explains the services provided, the amount billed, what the insurance covered, and any patient responsibility.
Why is health insurance important?
Health insurance is important because it protects you from unexpected medical expenses, provides access to quality healthcare, and can offer financial peace of mind in case of illness or injury.
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.
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, government health plans, and more.
There are various health insurance plans, including HMOs, PPOs, EPOs, and POS plans. Each has unique features and network options. You can choose the one that suits your needs best.
What are the benefits of group health insurance?
Group health insurance often offers more affordable rates and may include additional benefits. It often doesn't require a medical examination.
What is the typical coverage of health insurance?
Health insurance coverage typically includes doctor visits, hospitalization, prescription medications, and preventive services. Details can vary depending on the plan.
What is the deductible in health insurance?
The deductible is the amount you must pay out of pocket before your health insurance starts covering medical costs. Generally, higher deductibles result in lower monthly premiums, while lower deductibles can lead to higher monthly costs.
What is the open enrollment period for health insurance?
The open enrollment period is the time during which you can enroll in a new health insurance plan or make changes to your existing plan. It's typically annual.
What happens if I don't have health insurance?
If you don't have health insurance, you may face tax penalties (depending on local laws) and could also be exposed to significant medical costs in case of illness or injury.
How much does health insurance typically cost?
The cost of health insurance varies based on factors such as your age, location, coverage needs, and plan type. You can obtain quotes to get an estimate.
Can I change my health insurance plan during the year?
In most cases, you can only change your health insurance plan during the open enrollment period or after a qualifying life event, like marriage or the birth of a child.
What is the role of health insurance brokers or agents?
Health insurance brokers or agents help you navigate the insurance marketplace, providing advice and helping you find the right plan for your needs.
Is dental coverage included in standard health insurance plans?
Dental coverage is often a separate plan, but some health insurance plans may include basic dental care. You can also purchase standalone dental insurance.
What is a network in health insurance?
A network is a group of healthcare providers, hospitals, and facilities that are covered by your insurance plan. Staying in-network can lower your out-of-pocket costs.
Are pre-existing conditions covered by health insurance?
Thanks to the Affordable Care Act, health insurance plans cannot deny coverage or charge higher rates for pre-existing conditions. Coverage is available for everyone.
What is a premium in health insurance?
A premium is the amount you pay for your health insurance every month. It's a fixed cost regardless of whether you use medical services.
Can I have more than one health insurance plan?
You can have multiple health insurance plans, but coverage coordination is crucial to avoid over-insurance. It's common when both spouses have employer-provided coverage.
Are alternative therapies or treatments covered by health insurance?
Some health insurance plans cover alternative therapies like acupuncture or chiropractic care. Check your policy details to confirm what's covered.
How can I find affordable health insurance options near me?
To find affordable health insurance, you can use online tools, work with a broker, or explore the Health Insurance Marketplace. It's important to compare plans and assess your specific needs.