Best expat health insurance quotes in Spain

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.

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.

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.

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.

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.