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Best expat health insurance quotes in Spain
We take the hassle out of health insurance: these health insurance companies provide international medical and dental insurance for expats in Spain. Get quick simple quotes, and check out our list of FAQs to select the best health coverage plan for you.
Health insurance quotes for expats in Spain
 |  |  | |
|---|---|---|---|
| Feature/Benefit | Allianz Care | April Intl | Cigna Global |
| Available plans | Care, Care Plus, Care Pro | Emergency, Basic, Essential, Comfort, Premium | Silver, Gold, Platinum |
| Coverage area | Worldwide (U.S. add-on) | Country-specific, tiered system | Worldwide (U.S. add-on) |
| Repatriation | Low-cost add-on | Included | Add-on available |
| All plans include | Mental health, evacuation | Hospitalization | Cancer treatment, mental health, inpatient care |
| Optional add-ons | Outpatient care, dental, maternity | Outpatient care, vision, dental, maternity | Vision, dental, evacuation, maternity |
| Customer service | 24/7 multilingual | 24/7 multilingual | 24/7 multilingual |
| Preventative care | With higher tier plans | With higher tier plans | Included |
| Monthly premiums | From $100/mo | From $80/mo | From $100/mo |
| Annual deductible | $450–10,000 | $0–5,000 | $0–10,000 |
| % Co-payment | 0-30% cost share | 0–20% cost share | 0-30% cost share |
| Making a claim | Request reimbursement through the app | Request reimbursement through the app | Usually direct billing, sometimes reimbursement |
| Get a quote | Get a quote | Get a quote |
FAQ
Health insurance in Spain
What is the Spanish healthcare system like?
Spain has one of the best healthcare systems in the world, and it is free to residents who pay into the social security system. State healthcare is administered at the local authority level, and you can choose your own doctor within your local healthcare district. However, some health treatments, such as dental care, are not covered.
What happens if I don't have health insurance in Spain?
Anyone legally living and working in Spain has public health insurance through social security payments. Those not covered by health insurance can still access the Spanish healthcare system but may have to pay up to 100% of medical treatment and prescriptions costs.
I'm moving to Spain – when should I take out health insurance?
It’s best to start your private health insurance policy just before you arrive in Spain. If you have a coverage gap between your insurance at home and your new policy, this could leave you with out-of-pocket expenses in case of emergency.
Do policies also cover family members?
Usually private health insurance policies are on an individual basis. If you want to cover a partner or family members, you can add them on when you build your policy. If you have several dependents, it’s worth shopping around for the best family plan.
Which treatments does private health insurance cover?
When you first design a health insurance plan, you can choose what you will pay yourself and what the provider will pay. Which treatments your plan covers depends on if you’ve met your deductible, whether you have a provider network, and other factors.
How much does private health insurance cost in Spain?
Health insurance premiums are based on age, medical history, level of coverage needed, and whether you include extra benefits. Overall, healthcare costs in Spain are low to average compared to other European countries.
How do I file a health insurance claim?
The claims process in Spain varies between insurers. Some deal directly with healthcare providers and pay bills on your behalf while others require you to pay upfront and send an invoice after. If you’re concerned about having to pay upfront, look for a provider who can sort out claims directly.
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