HEALTH INSURANCE

Health insurance in Spain

Navigating the complex world of health insurance can be daunting for expats living in Spain. Understanding how the system works, the costs involved, and the requirements for residency are crucial for anyone planning to move or already living in Spain. This comprehensive guide aims to address these aspects and more, ensuring you make informed decisions regarding your health insurance needs in Spain.

Health Insurance in Spain – How Does it Work?

Spain boasts a reputable healthcare system, offering both public and private health insurance options. The public healthcare system is accessible to those employed in Spain, contributing to the social security system, and to retirees from EU countries. However, expats often opt for private health insurance to bypass long wait times and access a broader range of services and specialists. Private health insurance in Spain is known for its affordability compared to other countries, providing comprehensive coverage that ensures peace of mind.

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Why choose our insurance brokerage to contract Health Insurance?

BEST COMPANIES

We work with the best insurance brands on the market.

PRICE-QUALITY RATIO

We look for your insurance at the best price with the best guarantees among the existing offers in the insurance market.

CLAIMS ASSISTANCE

We have a claims department to offer you services in the event of any incident, without you having to worry about anything.

Our clients

BMI Brokers Spain - Insurances for Expats

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Steven Moody

6 months ago

Parking available next door in The Food Co British shop

Sarah Hockley

6 months ago

Victoria was amazing to deal with for a last minute car re-insurance. She was so quick to find me the best deal and organise all the details. She found me a deal significantly better than what I had been offered by my original insurer and sent me all details within 2 hours of first making contact. Highly recommend!! Thank you Victoria!

S F

7 months ago

I recently had a very positive experience with BMI Brokers. I contacted them just a few days before Christmas to request a home insurance quote and was helped by Alejandro Molina. From the outset, Alejandro was extremely efficient, responsive, and clear in answering my questions.

What impressed me most was the speed and professionalism of his responses, especially given that it was over the Christmas period. He quickly understood exactly what I was looking for, found the right policy for my needs, and had everything set up in record time.

I would highly recommend BMI Brokers and would particularly like to commend Alejandro for his excellent service.

Louise

7 months ago

Victoria was absolutely amazing in sorting our health insurance for our NLV, we couldn’t have done it without her. Always quick to respond and a pleasure to deal with. Would definitely recommend.

Trish Sebastian

8 months ago

We were referred by our immigration lawyer to Jeremy to help us decide which insurance to procure for our residency application in Spain. It was a very seamless and straightforward process working with Jeremy. He was very knowledgeable. Communication and response times were excellent. He helped us navigate this process which otherwise would have been overwhelming and intimidating. We would highly recommend Jeremy to anyone looking for health insurance in Spain.

Samantha Dogan

10 months ago

We recently worked with Jeremy at BMI Brokers to arrange an insurance policy, and the experience was excellent. He was extremely fast, knowledgeable, and thorough in explaining all of the details. Jeremy made the process simple and stress-free, and he was always helpful and responsive to our questions. We truly appreciated his efficiency and professionalism in guiding our family through everything. Highly recommend working with him!

QUOTE FOR YOUR EXPAT HEALTH INSURANCE IN SPAIN

If you are planning on moving to Spain, it is important that you have a good expat private health insurance to prevent future health problems. It is crucial to explore all the different options and coverages that each health insurance for foreigners in Spain can give you.

If you take out health insurance, you will get the following advantages:

Choose the professional you want
Shorter waiting lists
Direct access to specialists
The results of analytical test will be faster
You will have more flexible schedules to choose your appointments
You will have individual rooms in case of hospitalisation
Option to add dental insurance in some policies

There are several private health insurances available. At BMI Spain we will listen to your needs, search among the different possibilities available and guide you through the process. There is nothing you should worry about; we take care of everything for you.

You can choose the insurance coverage that best fits your needs.

Worldwide emergency assistance
Annual basic medical check-up
Emergency service 24 hours a day
Conventional x-rays
Ambulance Assistance
General medicine
Paediatrics and childcare
Clinical analysis
Specialists
Complementary diagnosis examinations (radiology, ultrasound, allergy tests, etc.)
Gynaecological treatments
Family planning
Prosthesis
Psychiatry
Rehabilitation
Physiotherapy
Hospitalisation
Dialysis
Intensive care unit

Worldwide emergency assistance

No extra payments
Affliliated centres 100% fee coverage
Reimbursement of expenses if you go to a non-affiliated doctor or clinic: free choice throughout the world

Obtaining a quote for expat health insurance in Spain is the first step towards securing your health coverage. It’s essential to compare different insurance providers to find a plan that suits your needs and budget. Consider factors such as coverage limits, deductibles, in-network hospitals, and whether the plan includes repatriation or international coverage. Consulting with an insurance broker or using online comparison tools can simplify this process and help you find the best deal.

Calendario marcando el plazo legal para cancelar un seguro en España.

Cancelling Health Insurance in Spain: The 1-Month Rule

3 July, 2026/in Health insurance Blog /by Adam Ubago Hughes

Changing your medical provider in Spain requires strict adherence to specific legal deadlines. Missing the statutory cancellation window forces you to pay for another entirely unwanted year of coverage. A professional broker ensures your cancellation letters are drafted and submitted perfectly on time. THE FINANCIAL TRAP OF AUTOMATIC RENEWALS You finally find a superior medical […]

WHY CHOOSING BMI IN YOUR EXPAT HEALTH INSURANCE IN SPAIN?

Searching for the right expat health insurance will be easier if you count on us.

CUSTOMISED SERVICE

We give you personalised attention to resolve your doubts and find the best insurance that fits your needs.

MADE TO MEASURE

We tailor the policy to your needs; with the exact cover you need so that you will not be taken by surprise in the future.

Experience

Our more than 30 years in the sector are the guarantee of professionalism and experience to achieve your satisfaction.

Navigating Health Insurance Options in Spain for Seniors Over 75

Seniors over 75 may face challenges when looking for health insurance in Spain, as some providers have age limits on their policies. However, options are available, including specialized plans tailored to the needs of older expats. These plans might come with higher premiums but offer comprehensive coverage, including chronic conditions and geriatric care. It’s crucial for seniors to carefully review the terms and conditions of these policies to ensure they meet their healthcare needs.

Health Insurance Options for British Expats Living in Spain

Post-Brexit, British expats in Spain must navigate new regulations regarding healthcare. While the European Health Insurance Card (EHIC) provided coverage previously, British expats now need to consider private health insurance or register under the Spanish social security system if they are working in Spain. It’s vital to stay updated with the latest agreements between the UK and Spain regarding healthcare rights for British expats.

Essential Health Insurance for Gaining Residency in Spain

For expats seeking residency in Spain, having adequate health insurance is a non-negotiable requirement. The Spanish government mandates that all residents have access to healthcare, either through the public system or private insurance. The insurance policy must provide full coverage within Spain, without copayments, and cover all family members included in the residency application. This requirement underscores the importance of selecting the right health insurance plan for your residency application.

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Why should you get a expat health insurance in spain if you enjoy good health?

There is a simple answer: because when you are not so healthy, it is probably too late to get full health insurance.

When you apply for medical insurance in Spain it is a requirement of all the insurance companies, to ask you to fill in a questionnaire with all the relevant information about your current and past health.

Taking into account the information on the form, the medical department of each company decides whether you can have the full medical insurance, whether they decide to exclude a preexisting condition, or perhaps decline the insurance application completely.

When we get older the chance of an accident or illness increases, so it makes sense to get a health insurance in Spain whilst we are fit and healthy. This will give you the best opportunity of receiving the maximum protection and the peace of mind of knowing that if anything happens, you and your family will be completely covered.

FAQs Health Insurance in Spain

Is Health Insurance Mandatory for Expats in Spain?

Yes, expats living in Spain must have health insurance, either through the public healthcare system (if eligible) or via a private health insurance plan.

Does Expat Insurance in Spain Include Worldwide Coverage?

This depends on the specific insurance plan. Some expat insurance policies offer worldwide coverage or coverage within the EU, while others might be limited to Spain. Always check the policy details.

Do I Need Health Insurance if I Have a European Health Insurance Card (EHIC)?

The EHIC offers limited coverage for temporary stays. Expats living in Spain should consider a comprehensive health insurance plan for full coverage.

Is Multilingual Customer Service Available with Expat Insurance Providers in Spain?

Many insurance providers cater to the expat community by offering multilingual customer service, ensuring you can communicate effectively in your preferred language.

How Do I Apply for Health Insurance in Spain as an Expat?

You can apply directly through insurance companies, use a broker, or compare plans online. Documentation required typically includes your passport, NIE (foreigner’s identity number), and residency details.

Can I Switch Expat Insurance Providers in Spain If I’m Not Satisfied?

Yes, you can switch providers, but be mindful of any contractual obligations, waiting periods, or coverage gaps when changing your insurance plan.

Quote For Your Expat Health Insurance In Spain

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