Information in englis for no resident in Spain


Health insurance for foreigners in Spain

One of the most important things to carry about moving to another country is to know what healthcare you are going to receive in case you need it.

If you are living in Spain you must know that its healthcare system is ranked as one of the best healthcare systems in the world. Healthcare system in Spain for expats it’s another good reason to live in this incredibly country.

Continue reading this post to know the keys of the healthcare in Spain for expats.

The Spanish healthcare system for expats

Public healthcare system

Those expats who live in Spain will appreciate all the advantages that healthcare system provides. The Spanish healthcare system guarantees universal coverage to all residents.

The healthcare system consists of a combination of private and public healthcare, in which Hospitals and medical centers offer both, private and public assistance.

Many Spaniards use the public health system known as the National Health System, but most prefer to hire a private health system because of all the advantages it implies.

The National System of Care is decentralized; each region of the country is in charge of this service, organizing and executing medical services, which sometimes entails some inconveniences, such as uncovered damages that you will have to pay out-of-pocket.

Healthcare for expats in Spain will be different depending on the region in which they live, so one of the advantages of taking out private health insurance is that it guarantees you are covered in the same way regardless of the city in Spain or abroad.

To be able to use the Spanish healthcare system you will need to get a social security card from the Social Security Treasury Office, but before requesting this card, you will need the social security number. Social security number will be only give you if are register on the municipal register (empadronamiento).

If you are in possession of a Spanish social security number and all documents necessary you will be entitled to receive assistance, so healthcare in Spain for expats it´s not something to worry about, but it does involve investing a substantial amount of time and effort.

One of the biggest drawbacks of the public health system in Spain is that care is very slow, either waiting in the Emergency Room or for an appointment with a specialist.


Private healthcare system

Both residents and expats use the private health system instead of public system because of the inconvenience that sometimes turn up using the public healthcare system.

In Spain there are many well-equipped private hospitals like public hospitals and even better, where you can access to more treatment easily than in a public hospital.

Private health insurance offers certain advantages over the public health system, which both Spaniards and foreigners appreciate:

  • Faster medical attention
  • You can select the best medical specialists
  • Same damage coverage no matter the location
  • Private insurances have at their disposal several hospitals for you to choose from and the benefits that this implies: private room, more attention…etc.
  • Possibility of obtaining a second medical opinion without cost
  • Many companies offer payment facilities

The best thing to do is to be proactive and take out private medical insurance to cover emergencies, while individual consultations are not a big deal, medical complications can be costly.

Taking out private insurance is one of the great advantages of healthcare in Spain for expats.

Can I access to Healthcare in Spain as an expat?

As we said, Spanish National Healthcare system depends on which region you are since this service is decentralized. Regardless of where you are living you will always must check on the conditions to access to the healthcare system in Spain for expats.

Independently, as an expat you will be able to access to healthcare system if you meet one or various of these conditions:

  • If you are living in Spain and receiving some benefits.
  • If you are a resident in Spain and work in employment or self-employment and pay social security contributions.
  • In case of a child resident in Spain or a pregnant women they will be able to access.
  • If you are a resident in Spain and get recently get divorce or separated from a partner that has social security number.
  • If you are a student living and studying in Spain under 26 years old.
  • If you are a state pensioner.
  • If you are a citizen member of a State Member of the European Union, you are living temporary in Spain and hold the European Health Insurance card (EHIC)

What it is the European Health Insurance card (EHIC)? European Health Insurance card (EHIC) is a document that allows the holder to receive health benefits in the Member States of the European Union, in the other countries of the European Economic Area,  and also in Switzerland.

An essential aspect that we must mention is the obligation imposed by the Spanish government to take out private health insurance to acquire the residence.

As you will have been able to verify in most of the cases mentioned above, foreigners have access to the Spanish healthcare system as long as they have the status of resident.

At BMI Spain we work with our clients to find the private health insurance that best fits their needs.

Healthcare cost in Spain for expats

Residents in Spain who are beneficiaries of the public health system will only have to pay a small proportion of the prescription costs.

However, to have access it is necessary, as we have already explained, to be resistant. The best thing to do for healthcare for expats in Spain is to take out private health insurance to cover any damage.

In Spain there are many insurance companies that offer their customers medical insurance at competitive prices.

Healthcare in Spain for expats it’s a guarantee of a great quality live in this country. Spain has many insurance companies that offer the best health insurance for you. Remember that in BMI Spain we can help you to find the appropriate Insurance company that will help you to cover all your needs.

Do not hesitate in contact with us if you have any doubts about healthcare in Spain for expats, our BMI Spain team will be pleasant to help you.






What is the cost of living in Spain for expats?

Spain is said to stand out because of its quality of life, maybe because of its health system, its climate or its daily life. When moving into this country, there are many questions that might jump into our heads, and one of them is how much is the cost of living in Spain for expats.

In BMI Brokers we will provide you everything you need to know about how much is the cost of living in Spain for expats. We will take a look at the home insurance you might need and the health system of Spain among others things you might be interested in.

Home insurance and the cost of housing in Spain

The first thing you should know is how much does it cost to buy a house in Spain. However, there are some differences in the cost of property depending on the region of Spain we are talking of.

Some cities like Madrid or Barcelona are more expensive while cities like Seville or Valencia are cheaper and it is easier to find a good house at a reasonable price. Finally, if you move in to the provinces in the centre of Spain like Extremadura, Castilla-La Mancha, Aragon or Navarra you will find that the cost of housing is the cheapest in the peninsula.

To buy an apartment or house in the city centre can cost around 2,800€ per square meter as average. Then, an apartment outside the city centre would be something like 1,900€ per square meter.

Home insurance in Spain for expats

One of the costs of living in Spain for expats is getting a good home insurance. This will prevent you from possible water damage, theft and legal protection and advice, among other possibilities.

It is important to think in advance of taking care of your house and making sure that you are covered if an unexpected sudden event occurs.

In BMI Brokers we can help you finding the best and most affordable home insurance so you know you are paying what you deserve. If you are interested, you can fill our contact form and we will contact you in no time.

Find more about home insurance in the following post: How to calculate home insurance in Spain.


How is the healthcare system in Spain?


There are two types of healthcare systems in Spain, both private and public. The public system gives basic coverage for anyone who contributes to the Spanish social security system and it covers pretty much everything, but there are also many other things that remain uncovered.

Getting a private health insurance in Spain for expats

In order to have access to a wider and quicker treatment, we recommend you considering a private health insurance. This will cost you around 35 euros per month depending on the region you are living. This is one of the costs of living in Spain for expats that we think you should consider.

Once more, we remind you that in BMI we are experts in finding the best offers and that we can help you to find the best health insurance for you that suits your needs at best. Private health insurance coverage can include:

  • Dental care
  • Assisted reproduction
  • Worldwide emergency service 24 hours a day
  • Specialist
  • GP and paediatrics
  • Hospitalisation
  • 2nd medical opinion

If you need more information, you can click on this link: Quote for your health insurance.

Choose the right car insurance

If you are thinking about buying your own car in Spain, you should know that it is obligatory to have a car insurance with at least a third party liability cover.

If you are planning to bring your car with the plate of your country, you can insure it in Spain for a maximum period of three months as long as the change of license plate to Spanish is processed.

A Spanish car insurance quote can be very diverse and it depends on what kind of coverage you are looking for, the type of car, its horse power and the age of the insured.  There are also different types of coverage that you can get: third party, third party fire and fully comprehensive. In Spain it is obliged by law to have your car insured with a third party insurance.

From there, it is possible to improve it and get a wider coverage. Both options will cost you around the same amount of money since the price you will pay for an accident with a third party insurance is almost equivalent to fully comprehensive annual quote.

For more information: How to buy a car in Spain: everything you need to know


What is the cost of living in average in Spain?

Now that we have covered the basics, the next thing you need to know is how much are the costs of living in Spain for expats in the daily life. In general numbers, Spain is one of the cheapest places to live in Europe, being the average cost of living for one person around 18,000 euros a year.

Cost of living in Spain: the cheapest and most expensive cities

The 10 most expensive cities in Spain

PositionCity% regarding the global averageIncome (€)
2San Sebastián29,9030.640,72
4Palma de Mallorca13,9826.213,35

The 10 cheapest cities in Spain

PositionCity% regarding the global averageIncome (€)

Credits to Kelisto

Daily life in Spain: general costs of living in Spain for expats

Even though the cost of living can differ from one city of Spain to another.

Normally a good meal in a good restaurant will cost you 10 euros or so, and this will include first and second course, desert and the beverages. On the other side, a weekly grocery shopping for one family will be approximately 100 euros to 200 euros, depending on what you buy.

Public transport is highly encouraged in cities like Madrid and Barcelona were they have become the most used means of transport, so it is quite cheap. In average, a monthly pass will cost around 40€ or so.

When it comes to leisure and entertainment, Spaniards spend around 40€ per week, depending on their social life and how many times they go out during the week. Just so you can get a general idea, a ticket for the cinema plus medium size popcorn will cost you 10€ approximately.


This is the cost of living in Spain for expats and how much you will have to spend in every aspect of your daily life. If you need more information regarding insurance in Spain, do not hesitate and get in contact with us. We will be pleased to help you.


Uk registered cars in Spain – insurance

Some foreign cars such as those from the use can be insured in Spain.

However, it is important to take into account that if you want to drive the car from your home country here in Spain for more than six months and you are a resident, then you are obliged by law to change the registration plate to a Spanish one.

If the vehicle has been in Spain for less than 6 months you can drive in Spain if you have the necessary agreement from your own country.

If after six months, the police detect that you still have not hanged the registration plate, you can be fined.