Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Overview
Spain is one of the most popular destinations for expats, thanks to its climate, culture, and relatively affordable cost of living. If you're planning to move there, health insurance is one of the first things you'll need to sort out.
Whether you need insurance for a visa, want private coverage for faster care, or are looking to supplement the public system, this guide covers your options.
Moving to Spain?
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Spain's Healthcare System
Spain has a public healthcare system called the Sistema Nacional de Salud (SNS). It's generally well-regarded and provides good quality care.
Who qualifies for public healthcare:
- Spanish citizens
- Legal residents who pay into the social security system
- EU citizens with a European Health Insurance Card (EHIC)
- Retired EU citizens in some cases
Who typically needs private insurance:
- Non-EU citizens applying for visas
- Retirees who don't qualify for public coverage
- Digital nomads and remote workers
- Anyone who wants faster access to specialists
Insurance for Visas
Most Spanish visa types require proof of health insurance. The requirements vary by visa:
Non-Lucrative Visa (Retirement Visa)
This visa requires private health insurance with no copays for medical care. The policy must:
- Cover you in Spain for the visa duration
- Have no waiting periods for coverage
- Include hospitalization and outpatient care
- Come from a company authorized to operate in Spain
Digital Nomad Visa
Spain's digital nomad visa also requires health insurance coverage. International plans from major providers are generally accepted.
Student Visa
Student visas require health insurance valid for the entire study period. Some universities offer group plans.
Important: Visa requirements can change. Always verify current requirements with the Spanish consulate in your country before applying.
Recommended Plans
Here are insurance options that work well for expats in Spain. Some are international plans; others are Spanish companies.
| Provider | Visa Accepted | Spain Network | From |
|---|---|---|---|
| Cigna Global | Extensive | $140/mo | |
| Allianz Care | Very Extensive | $120/mo | |
| BUPA Global | Extensive | $200/mo | |
| IMG Global | Reimbursement | $75/mo | |
| Sanitas | Very Extensive | $80/mo | |
| ASSSA | Good | $60/mo |
International Plans
International insurers offer worldwide coverage with strong networks in Spain. They're ideal if you travel frequently or might move to another country.
- Cigna Global — Extensive Spain network, strong direct billing, mid-range pricing
- Allianz Care — EU-based insurer, high-deductible options for 60% savings
- BUPA Global — Premium coverage, best for mental health and pre-existing conditions
- IMG Global — Budget-friendly, 50% deductible waiver outside US
Spanish Insurance Companies
Sanitas and ASSSA are Spanish companies popular with expats. They typically cost less than international plans and have extensive networks within Spain. However, coverage outside Spain may be limited.
These are good options if you plan to stay in Spain long-term and don't travel much internationally.
Not Sure Which to Choose?
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What to Look For
When choosing health insurance for Spain, consider:
- Visa acceptance: Confirm the plan meets Spanish visa requirements
- Network coverage: Check for hospitals and doctors near where you'll live
- Waiting periods: Some plans have waiting periods before coverage starts
- Copays: Some visas require plans with no copays
- Repatriation: Coverage to return home for treatment if needed
- Pre-existing conditions: Understand what's covered and what's not
Expected Costs
Health insurance costs in Spain vary based on your age, coverage level, and whether you choose a Spanish or international provider.
Estimated monthly costs:
- Spanish provider (basic): $50-100/month
- Spanish provider (comprehensive): $100-200/month
- International provider: $120-250/month
Older applicants pay more. Adding dental, vision, or maternity coverage increases costs.
Common Questions
Can I use my home country's insurance in Spain?
Possibly for emergencies, but it won't meet visa requirements or provide comprehensive coverage. You'll need insurance that specifically covers Spain.
Is public healthcare free in Spain?
For those who qualify (citizens, legal residents contributing to social security, EU citizens with EHIC), most public healthcare is free or very low cost. Non-EU expats typically need private insurance.
Can I switch from private to public healthcare?
If you become a legal resident and contribute to social security (through employment or paying into the "convenio especial"), you may eventually qualify for public healthcare. This doesn't happen immediately.
What if I have pre-existing conditions?
Most plans will cover you but may exclude or limit coverage for pre-existing conditions. Some plans offer coverage after a waiting period. Be upfront about your health history when applying.
Ready to Get Covered?
Compare plans that meet Spanish visa requirements and fit your budget.
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Disclaimer: This guide is for informational purposes only. Visa requirements and healthcare policies change. We are not immigration consultants or insurance brokers. Verify all information with official sources and insurance providers.
