Healthcare for Expats in Spain
- Public Healthcare Eligibility: If you’re moving to Spain for work and contributing to the social security system, you’ll generally be eligible for public healthcare. However, if you’re retiring in Spain or haven’t yet secured employment, you may need private health insurance.
- Private Health Insurance: Private healthcare insurance is a popular option for many expats, especially during their initial time in Spain. It offers quicker access to specialists, private hospitals, and often more English-speaking doctors.
- Insurance Requirement for Visas: For some visas, including the non-lucrative visa, proof of private health insurance is a requirement. The insurance should cover all risks without co-payments and be valid in Spain.
- Choosing the Right Insurance Plan: Look for plans that offer comprehensive coverage, including hospitalization, prescriptions, and possibly repatriation. Also, consider whether you need a policy that covers you in other countries, which can be useful for frequent travelers.
- Pre-existing Conditions: Be aware of how different insurance companies handle pre-existing conditions. Some may offer coverage with a higher premium, while others might exclude certain conditions.
Some more information can be found here at the government website
Domestic Private Medical Insurers in Spain
Spain has a variety of private medical insurance companies offering a range of health insurance products tailored to both residents and expatriates. Some of the well-known private medical insurance providers in Spain include:
1. Sanitas – Part of the Bupa Group, Sanitas is one of the leading health insurance companies in Spain, offering comprehensive health plans with access to a wide network of private doctors and hospitals.
2. ASISA – ASISA provides a broad array of health insurance options, including dental and international coverage, with a strong emphasis on personalized care and a vast network of medical professionals.
3. DKV Seguros – DKV offers a variety of health insurance plans with different levels of coverage, including preventive health services and innovative digital health solutions.
4. Mapfre – A globally recognized insurance company, Mapfre provides extensive health insurance solutions in Spain, featuring flexible plans and access to a large network of healthcare facilities.
5. Adeslas – Part of the SegurCaixa Holding, Adeslas is known for its wide range of health insurance products and services, catering to individual, family, and corporate needs with an extensive network of healthcare providers.
6. AXA – AXA’s health insurance offerings in Spain include comprehensive coverage options, preventive health programs, and access to a broad network of medical professionals and facilities.
7. CignaSalud – Cigna offers health insurance solutions tailored to expats living in Spain, with customizable plans that include access to a global network of healthcare providers.
It’s advisable to thoroughly research and compare the plans, coverage options, network of healthcare providers, and customer service ratings of these companies to find the best health insurance solution for your needs in Spain.
