Expat Health Insurance in Western Europe

Key Highlights: Health Insurance in Western Europe

• Most countries have excellent public healthcare—but access rules vary for expats.
• Germany and Switzerland have mandatory insurance requirements—specific rules apply.
• Spain and Portugal offer Digital Nomad Visas with insurance requirements.
• UK post-Brexit: Non-EU citizens need visa; EU citizens have new requirements.
• Private insurance costs €100-400/month depending on country and coverage level.

Featured Countries in Western Europe

These are the most popular destinations for expats in Western Europe. Click through for detailed coverage guides.

Who Western Europe Is Best For

• Digital nomads using Spain/Portugal nomad visas
• Retirees seeking quality healthcare and lifestyle
• Professionals relocating for work
• Families wanting excellent education and healthcare

Considerations for Western Europe

• High cost of living, especially in Switzerland, UK, Netherlands
• Bureaucracy varies—Germany and France can be complex for foreigners
• Language requirements for public healthcare in non-English countries
• Brexit impacts UK access for EU citizens and vice versa

All Countries in Western Europe

Complete list of countries in Western Europe with health insurance guides:

Related Resources

• Best Expat Health Insurance 2025
• Insurance for Digital Nomads
• Insurance for Retirees Abroad
• Understanding Medical Evacuation Coverage