Private Health Insurance in Spain for Expats
Private medical cover for international residents, retirees and families living in Spain — chosen around your age, your province and how you actually use healthcare.
- Cover explained in plain English before you apply
- Options built around your age, province, household and health history
Find the right cover for your life in Spain
We arrange health insurance for people moving here, already living here, retiring here and raising a family here. The cover that suits you depends on where you are in that story.
I’m moving to Spain
What to settle before you fly, what to do on arrival, and the order it all has to happen in.
Read the guide →I already live here
Keep, adjust or supplement your cover as residency and public access change.
Read the guide →I’m 60 or over
Joining limits, underwriting and renewal security for older applicants.
Read the guide →We’re a family
Paediatrics, maternity timing, dental and one network that works for everyone.
Read the guide →My renewal went up
Switch without losing continuity — continuity first, cancellation last.
Read the guide → Visa routesI need insurance for a visa
Each route words its insurance condition differently, and some of what is written about them online is out of date. What the current rules actually say.
See the visa routes →Seven choices decide the right policy
Cost, copayments, hospital access, health history and start dates are the decisions that shape a policy. Take them in this order and your options narrow on their own — every one is explained in the health insurance guide.
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What should this cost me?
Age, province, copay level and cover type drive your premium — advertised “from” prices don’t.
Understand pricing → -
Copay or no copay?
Lower premium with a fee per visit, or higher premium and nothing to pay in use. It’s a usage question.
See both structures → -
Which doctors can I actually use?
The cuadro médico decides. Verify your hospitals and doctors before you buy, not after.
Check networks → -
Does my health history matter?
Disclosure and underwriting decide your terms — what insurers can exclude, and your real options.
Understand underwriting → -
What can I use from day one?
Waiting periods are service-specific. Emergencies usually aren’t delayed; childbirth almost always is.
See what applies when → -
Public, private — or both?
Private cover works alongside the public system, not instead of it. Know your entitlement first.
See how they fit → -
Network plan or reimbursement?
Two different product designs: simpler and cheaper, or free choice of doctor at a higher price.
See both plan types →
Explained in English, arranged for you
An online price can’t see your medical history, your local hospital or your renewal date. We can — so we explain the cover that fits your circumstances, quote it properly, and put the caveats in writing before anything is arranged.
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1. Tell us your situation
Age, province, household, residency stage, copay preference — and the hospitals that matter to you.
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2. We explain the cover
A specialist sets out the cover options available for your situation and what each one changes in practice.
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3. You get a personalised quote
A quote built around your circumstances, a recommendation for the cover that suits you, and help arranging the policy.
Why expats take private health insurance
Guides updated & reviewed on a published schedule
Quicker routes to a specialist
Private cover runs alongside the public system rather than replacing it, and is most often taken to reach a consultant sooner.
Public vs private →Choice of hospital and doctor
Your medical network decides which clinics and consultants you can use. Check yours before you buy, not after.
Hospitals & networks →Care in English
Being understood at an appointment matters. Finding English-speaking doctors is a practical reason expats insure privately.
Healthcare in English →Cover that follows your life here
Residency stage, family changes and renewal all change what suits you — so cover is reviewed, not set once.
Cover for residents →Ready to see your health insurance options?
Three minutes of questions, then a specialist goes through your answers and quotes your cover.
- No obligation
- No detailed medical history in this form