Health insurance
Private health insurance in Spain
From the visa requirement to a family policy with English-speaking doctors and no waiting list.
Private health cover in Spain is fast, affordable by northern-European standards, and — for most non-EU residents — a legal requirement. The difference between policies is in the detail: co-payments, waiting periods, dental, repatriation. That is exactly what we compare for you.
What a good policy covers
- GP and specialistsDirect access, usually within days, no referral needed.
- Hospitalisation & surgeryPrivate room, companion bed, no cost advanced by you.
- DiagnosticsBlood tests, X-ray, MRI, scans in the insurer's network.
- MaternityFollow-up, birth and paediatrics — mind the waiting period.
- Emergency & ambulance24/7 in Spain, and travel cover abroad on many policies.
- Dental & opticalIncluded on some plans, an add-on on others.
The three shapes a policy takes
Visa & residency
For the residency application- No co-payment, no waiting period on the essentials
- Accepted for the non-lucrative and digital nomad visa
- Full repatriation cover
- Certificate issued for your file
Family cover
The most common choice- GP, specialists, hospital and diagnostics
- Maternity and paediatrics
- Low or zero co-payment
- Dental included or optional
Senior cover
From 60 onwards- Insurers who still accept new members
- Chronic conditions reviewed case by case
- Home assistance and nursing
- Clear renewal terms
Contact
Get my health options
Four questions. An advisor replies with two or three concrete quotes.
- Human adviceA real advisor, by phone or WhatsApp, in your language.
- Clear explanationsPlain wording. Waiting periods and exclusions said out loud.
- Independent solutionsWe compare several insurers — never just one.