Expat Health Insurance Spain – Companies, Cost, Coverage

Let’s talk about expat Health Insurance for expats in Spain!  You will find the cost is affordable compared to other countries.  The health insurance companies for Spanish residency provide healthcare in Spain for foreigners, students, retirees, and more.  We share some info about the cost of health insurance in Spain and tips for coverage.  These will certainly qualify for the visa and residency in Spain for Americans and UK citizens too.  Most of you will want Non lucrative visa Spain health insurance.

Vocabulary

• Health insurance in Spanish – “Seguro de Salud”

• Insurance in Spanish – “Seguro”

Healthcare in Spain for Expats

Healthcare in Spain is really great and if you are an EU citizen or pay into social security you will have access to it.  For many foreigners, you will need to purchase private health insurance.  It is advised to requests quotes from various companies, check their coverage and network to be sure it meets your needs for the area where you live.  Most private insurance companies work with a network of doctors and hospitals and you need to be sure there are options in your area. When you do request a quote from the insurance company in Spain, be sure to specify you are a foreigner residing in Spain. Ask for expat health insurance or Spanish Residency health insurance. This means you would pay for insurance that would mimic the services of healthcare in Spain, which is provided to citizens and those contributing to the social security system.  For example: no copay, no waiting periods and no deductible. You just pay for your policy and then you don’t need to worry about any fees at all when you have a medical visit or procedure.

How much is private medical insurance in Spain?

• In order to get an initial quote or the cost of the health insurance in Spain, you will need to provide your citizenship, name, and date of birth for each applicant.
• You will also need to tell them which residency you plan to apply for, so they can be sure you are getting a quote for the correct coverage.  (Student Visa, Non-Lucrative Visa, Retirement Visa, Work Visa, Investment or Golden Visa, and so on)  If you are an EU citizen you obviously don’t need a visa, but they do require you to show proof of health insurance for residency in Spain.
• Specify you need no deductible, no co-pay, and repatriation included.

Once you have the initial quote, you may then have to complete a more thorough medical questionnaire.  Pre existing conditions can change the answer to the question; “how much is health insurance in Spain?”.  This is where any pre-existing conditions need to surface, as they could change the price or the way they write the policy. There are some who will not insure you for some pre-existing conditions, others may work around it, and some will provide coverage for a higher fee. 

Save yourself a little time and be upfront with this information. Just to provide you with a data point, the cost for a family of 4 can be about 1500-2600 euros per year.  Of course, each company varies and you want to be sure what coverage you are receiving.  There are other things which factor into the price such as your age, pre-existing conditions, type of coverage, and so on.

Cheapest health insurance for Spanish residency?

When looking for the cheapest health insurance for Spanish residency, you will find most of the options are very competitive.  As the plans for health insurance for Spanish residency are limited to meet the exact visa, NIE registration and residency requirements.  You need to find out which has the best offer at the time.

Many of the health insurance companies in Spain also offer other types of insurance.  Most of them will provide you with a nice discount if you purchase these other types of insurance with them as well.  These would include car insurance, travel insurance, renter or homeowner’s insurance, pet insurance, funeral, and more. For most companies, it is preferred for you to have a Spanish bank account for the payment.  If you don’t have one, they will likely ask for payment of a full year in advance.  Then once you obtain an account, they will update your records and you will have the option to pay monthly, quarterly, twice a year, or annually.  It is usually the lowest price if you pay annually.

Private Health Insurance for Spain for Expats

There are many health insurance companies in Spain to choose from, with offices located all over the country.  You may purchase your insurance online from any agent or go to a local office and establish a relationship with an agent.  Many of the big companies have franchise offices, so it is possible to receive a different quote based on the office you request it from.  Either way, if you purchase online from a small town in Spain or a big city, it doesn’t matter.  You will be covered in Spain and the most important part is to be sure your network of doctors is near you. For visa or residency requirements, they usually ask that you have the following:

• No deductible (no minimum to pay prior to coverage)
• No co-pay (no fee per visit to pay)
• No waiting periods (access to general procedures right away.) *All insurance companies will likely have a few wait periods for some conditions like childbirth or oncology.
• Repatriation (in the case of death, the return of remains to the home country)

Health Insurance in Spain with Pre Existing Conditions

What do you do if you have a pre existing condition?  Obviously this will need to be disclosed.  Some of the companies we list below can work with or around your pre existing condition.  What that means is you need to request a quote and speak with them about your condition.  Depending on what it is, your age, and many other factors they may still be able to provide you with an insurance policy. There are some cases where a policy may be issues, excluding the care for your pre existing condition.  Other times, it is not a problem or they can work with it included with a higher fee.  Unfortunately the answer is “it depends”.    I know this isn’t what you want to hear, but you should contact each company and see what they can offer for you.

Spanish Residency Health Insurance Companies

2.  Adeslas

Adeslas is the biggest network of doctors in Spain and will certainly meet your needs for residency.  We have several clients who use SegurCaixa Adeslas and are very happy with their plan.  They also offer a car, home, pet, and other insurance policies so you get discounts with bundles.  Adeslas offers health insurance in Spain for over 75, so that is a rare find. 

1. Student health insurance, with no copay, including repatriation
2. Expat health insurance Spain, with repatriation and no copay, no waiting and no deductibles.
3. Senior health insurance specific to customers ages 65 to 84. In addition, they can request special permission for those more than 84 years old.   

Spain Insurance with Adeslas –  Motril  SeguirCaixa Adeslas – Read more info

Motril@oac.segurcaixaadeslas.es Click here to email SegurCaixa Adeslas Motril Call for an appointment at 640 249 711
Please tell them that Almuñécar Info sent you, so they can prioritize your request. 

3. INSBROK Insurance – Click here for a quote

4.  Sanitas for Expats – Click here for a quote

Sanitas is very popular for foreigners and will certainly meet the residency requirements.  When you ask for a quote using our link, it will take you to an English-speaking agent to assist you through the process.  Many of our clients opt for this coverage and are very happy with the ease of the communication, the excellent coverage, and the network of doctors available within Spain.  Sanitas Expats provides excellent customer service. We have a comparison chart of Sanitas Expat insurance plans, but not all plans displayed will meet the residency requirements.  It is just to give you an idea of what is offered.