Health insurance in Spain

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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.

Why choose our insurance brokerage to contract Health Insurance?


We work with the best insurance brands on the market.


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


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

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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.

Understanding Private Health Insurance in Spain

Many people have already seen the significant benefits of taking out private health Insurance in Spain. It is said that nearly 25% of Spanish residents have a health policy of one kind or another. Whilst the Spanish public system may be the envy of some other countries, it continues to come under constant pressure, and […]


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


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


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.


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.

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.

Health insurance

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