Private health insurance in Spain
Living in Spain is great. But the healthcare system can be confusing, especially if you’re not part of it yet. Maybe you’re self-employed, or waiting for residency, or just don’t want to rely on long waiting lists in the public system.
The question we hear all the time:
“What kind of health insurance do I actually need in Spain?”
5-star insurance advice - for when it really matters
Transparent pricing
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Medium coverage
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Everything from basic +
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Hospitalisation
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Emergencies
Premium coverage
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Everything from medium +
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Full coverage
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Surgery
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No co-pay
* Premiums shown are indicative. Final premium depends on your personal situation.
We make private health care easy and accessible
We help all people in Spain get the right private health insurance, quickly and without hassle. You tell us your situation. We tell you what’s needed, what’s not, and we arrange everything. Private health insurance in Spain isn’t just a formality, it’s peace of mind. Especially if you don’t speak Spanish or don’t want to wait three months to see a specialist.
We’ve helped thousands of expats and business owners in Spain sort this out properly. Let’s do the same for you.
- No Spanish paperwork
- No half advice
- No call centres
You’ll get clear advice from someone who understands your situation. And if you decide to go ahead, we’ll take care of the rest: the application, the policy, the contact with the insurer, even future claims.
Private health insurance FAQ
Private health insurance is the best – or sometimes even the only – way to get access to healthcare. It’s also required if you apply for certain visas or residencia.
Yes. In most cases, we can help you switch providers at renewal time – without any gap in coverage. We’ll also check if there are better conditions or pricing available for your profile.
Yes – but not every policy. Spanish immigration requires full coverage without co-payments (sin copago) and with full hospitalisation. We’ll help you choose a policy that meets those requirements exactly.
Basic services like GP visits and emergencies are usually covered from day one. For the rest, most insurers have a waiting period of 6 months for planned surgeries and certain specialist treatments.
We’ll tell you exactly what applies before you sign anything.
Basic services like GP visits and emergencies are usually covered from day one. For the rest, most insurers have a waiting period of 6 months for planned surgeries and certain specialist treatments.
We’ll tell you exactly what applies before you sign anything.
Yes. We don’t just help you get insured – we also help when something happens. Need to make a claim? We’ll guide you through it. In English. With one contact person.
Yes, although it depends on the policy. Some plans give access to a specific network; others allow you to pick any doctor and get reimbursed. We’ll help you choose the setup that fits you best.
No physical exam, but most insurers require a health declaration. It’s a short form where you indicate any pre-existing conditions. Based on that, the insurer accepts or proposes a modified premium.
We help you fill it out properly.
Yes. Family policies are common and often cheaper per person. We help you compare single vs. family cover so you only pay for what you actually need.
Sometimes, yes – especially with Allianz or Mapfre. Some policies include basic dental checkups; others offer optional dental coverage. If this matters to you, we’ll include it in the comparison.
Yes. If you’re spending a few months a year in Spain, or splitting your time between countries, there are flexible policies that still give you full private coverage during your stay.
We’ll help you pick one that doesn’t force you into a full-year commitment – unless needed.
Some clinics have English-speaking doctors; others don’t. If this is important to you, we’ll make sure the insurer’s network near you includes English-speaking professionals.
And with us as your contact, you’ll never need to call the insurer in Spanish.
It’s a lot cheaper than in for example the UK or The Netherlands. Most clients pay between €45 and €85 per month per adult, depending on age, policy type, and whether co-payments are included.
We’ll give you a transparent price upfront – no hidden fees.
Only the best is good enough
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Coverage often includes dental, physio and mental health without add-ons
- English-language app and customer service, ideal for non-Spanish speakers
Zurich
Solid cover in and outside of Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Popular with families and long-term residents looking for clarity and structure
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, also in smaller towns
- Flexible reimbursement options (you choose the doctor, they reimburse up to 90%)
- Trusted by locals and expats alike
- Stable, reliable, efficient
Asisa
Spain’s largest private medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
