Health Insurance for Expats in Spain

Stay protected with private health insurance tailored for life in Spain. Get fast access to top private hospitals, English-speaking doctors, and specialist care—without long waiting lists or language barriers. With 24/7 support and cover from day one, you’re in safe hands wherever you are in Spain.

Unlimited GP & Specialist Consultations
24/7 Emergency & Hospital Cover
Dental & Mental Health Services Included
No Co-Payments – All in English

Talk to our British Team today

Unmatched personal service and ultra-fast claims processing

Why Choose InsuranceAgents.es for Your Health Insurance in Spain

Reliable and Affordable Private Health Insurance for Expats in Spain

Looking for health insurance in Spain? At InsuranceAgents.es, we specialise in providing expats with tailored, comprehensive, and competitively priced private health cover—so you’re protected wherever you live in Spain.

Expert Knowledge of the Spanish Health System

With over 20 years of experience, we help expats access top private healthcare without the stress. From everyday appointments to complex diagnostics, we guide you every step of the way.

Extensive Health Benefits, All in One Plan

Enjoy access to over 40,000 healthcare professionals and 1,000 clinics across Spain, including major providers like Clínica Universidad de Navarra, Quirón, and Ruber.

Your Essential Cover

24/7 Emergency & Hospital Assistance

Access emergency rooms, private ambulances, and hospital care across Spain—any time, any day.

Access to 40,000+ Medical Professionals & 1,000+ Clinics

Nationwide network including top hospitals like Clínica Universidad de Navarra, Quirón, Ruber, and Teknon.

Unlimited GP & Specialist Consultations

Book appointments with top cardiologists, dermatologists, gynaecologists, allergists, trauma specialists, and more.

Full Diagnostic Testing Without Waiting Lists

Immediate access to X-rays, MRIs, PET scans, breast tomosynthesis, and advanced oncology screening.

What Else is Covered?

Surgical Procedures & Prosthetics Covered

Includes unlimited surgical prosthetics (except cardiovascular) up to €12,000.

Unlimited Physiotherapy, Chiropody & Rehabilitation

Recover better with no caps on sessions for rehab, physio, or foot care.

Dental Cover Included

Routine dental care, cleanings, and basic treatments at no extra cost.

Mental Health Support

Psychotherapy sessions included to support emotional wellbeing.

No Co-Payments

Everything is fully covered—no excess charges or hidden fees at the point of care.

Home Visits & Nursing Care

Includes primary care at home, general medicine, and support from nursing professionals.

Emergency Medical Assistance Abroad

Protected even when you travel—with international emergency cover included.

Unlimited Video Consultations & 24-Hour Medical Chat

Speak to a doctor or specialist anytime, from anywhere in Spain.

Photo of an insurance policy

Your Policy Documents

Everything in Plain English

All documents and support are in English—so you’ll always understand exactly what you’re covered for.

Instant Cover Confirmation

Get your policy emailed to you right away—you’re protected from the moment you sign up.

Example Health Insurance Quote

Below are examples of health insurance quotes for people in different situations. Contact us today for an instant quote. 

Health Insurance Example

Couple Aged 58

  • Full Comprehensive Private Health Elite
  • Premium = €3,200/year with no co-payments
  • Full Comprehensive Private Health Plus
  • Premium = €1,900/year with co-payments

Couple Aged 48

  • Full Comprehensive Private Health Elite
  • Premium = €2,400/year with no co-payments
  • Full Comprehensive Private Health Plus
  • Premium = €1,400/year with co-payments

Key Info

  • Elite Plan: No co-payments
  • Plus Plan: Includes co-payments

What our clients are saying...

Frequently Asked Questions

If you can’t find the answer here to your question about health insurance in Spain, then our British team of insurance experts are here to help. Feel free to call us on (+34) 691 04 54 35. Or you can send us a message or  get a quote here.

Will Health Insurance Cover Pre-existing Conditions in Spain for Expats?

Expats can obtain health insurance coverage for pre-existing conditions in Spain, though additional costs might be incurred. Contact us today to find a suitable plans for your needs.

Are Health Insurance Premiums Tax-Deductible in Spain for Expats?

No, in Spain, health insurance premiums for expatriates are not tax-deductible. For more insights on insurance policies, feel free to reach out to us.

Can Health Insurance Cover Dental in Spain for Expats?

Yes, comprehensive dental plans can be included in your expatriate health insurance policy in Spain.

Can Health Insurance be Retroactive in Spain for Expats?

Health insurance for expatriates in Spain cannot be applied retroactively. Consult with our experts for timely coverage advice.

Can Health Insurance be Ported in Spain for Expats?

In Spain, health insurance for expatriates is not portable. Discover more about your insurance options with our guidance. Only when applying for residencia and if you are a pensioner.

Can Health Insurance be Cancelled at Any Time in Spain for Expats?

All insurances including health run for a minimum term of 12 months, under normal situations.

Cancellation of health insurance policies in Spain follows a set renewal schedule, typically on January 1st annually. For mid-year registrations, costs are adjusted.

Find out more about policy terms and conditions.

Can Health Insurance be Transferred in Spain for Expats?

Health insurance policies for expatriates in Spain cannot be transferred between individuals. For personalised advice, don’t hesitate to contact us.

Can Health Insurance be Paid Monthly in Spain?

Yes, there are options for monthly, quarterly, or yearly payments for your health insurance in Spain, offering flexibility to suit your needs.

Can Health Insurance Companies Deny Coverage in Spain for Expats?

Under certain conditions, expatriates might face denial of health insurance coverage in Spain. Contact us for specific details and support.

How Do I Claim on My Spanish Health Insurance as an Expat?

To claim on your Spanish health insurance, visit a private health centre or private hospital with your insurance medical card. For assistance with claims, we’re always here to help.

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