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Private Health Insurance for Expats in Spain
Compare expat medical plans. Get free quotes with no pressure.
Looking for private medical insurance in Spain? You're not alone. Thousands of overseas workers turn to expat-specific health cover each year to access private clinics, avoid delays, and protect their families abroad. Get the right advice today.
Find your best healthcareKey Benefits of International Private Health Cover
- Global Protection, Local Support
- Tailored Plans for Expats Only
- Optional Cover for Dental, Wellness & Mental Health
- FastTrack Quotes
- Expert Help in English – No Confusion
Key Benefits of International Private Health Cover
- Global Protection, Local Support
- Tailored Plans for Expats Only
- Optional Cover for Dental, Wellness & Mental Health
- FastTrack Quotes
- Expert Help in English – No Confusion
Private health insurance providers include:
Why Private Health Insurance Matters in Spain
Many expats are surprised to discover that Spain’s healthcare system doesn’t automatically provide free or universal access to foreign residents. While Spain has an excellent public healthcare system, it’s generally available only to those who are employed, contribute to the social security system, or hold residency with appropriate coverage.
If you’re applying for a Spanish visa — such as the Non-Lucrative Visa, Work / Employment Residence Permit, or Digital Nomad Visa - you’ll usually need to show proof of private health insurance with no co-payments and full coverage within Spain. The policy must also be issued by a provider authorised to operate in Spain.
That’s where we come in. We connect you with advisors who understand Spain’s visa and residency requirements and can help you find a compliant policy from top international or Spanish insurers. Whether you’re planning your move or already living in Spain, having the right cover gives you peace of mind - and keeps your paperwork in order.
Request your quote today and look forward to peace of mind for yourself and protection for your loved ones while living in Spain.
Find your best healthcareWho Needs Private Health Insurance in Spain?
- Foreign workers living in Spain
- Aged 18–70
- Self-employed, retired, working remotely, or with family
- Wanting access to private clinics and faster care
- Looking for help navigating healthcare options in Spain
Who Needs Private Health Insurance in Spain?
- Foreign workers living in Spain
- Aged 18–70
- Self-employed, retired, working remotely, or with family
- Wanting access to private clinics and faster care
- Looking for help navigating healthcare options in Spain
Which Health Cover Suits Your Lifestyle?
Expats in Spain come from all walks of life - from young professionals to families and retirees. The examples below illustrate how different situations and visa types can shape your health insurance needs.
Daniel, 39 - Working-Age Father in Madrid
Daniel moved to Spain in 2021 with his wife and young son. Originally from Toronto, he works as a software architect for a global tech firm with teams across Europe and North America. Living in the Madrid suburbs, Daniel enjoys the balance between career, family life, and Spain’s relaxed lifestyle. His priorities are comprehensive family protection, reliable access to English-speaking doctors, and coverage that fits a globally mobile career.
What might suit Daniel & his family:
- Family-level cover with paediatric and outpatient benefits included
- Fast, digital claims and English-speaking customer support
- Strong Spanish provider network for convenience and access near home or school
- Fully comprehensive plans from insurers such as DKV Seguros or Sanitas (both widely recognised in Spain)
- International plans from providers like Cigna Global or Allianz Care, offering flexibility for cross-border work or relocation
Healthcare Note:
As Canadians accustomed to universal public healthcare, Daniel and his family initially found Spain’s system a little different. Understanding the role of private insurance has been key - ensuring quick access to care, English-speaking doctors, and continuity for their son’s health needs.
Find your best healthcare
Aoife, 29 - Digital Nomad in Gran Canaria
Aoife is a freelance digital marketer from Dublin who relocated to Spain in 2023 seeking year-round sunshine and creative freedom. Based in Las Palmas, she divides her time between co-working cafés and beach evenings with friends. As a freelancer, she values simplicity, digital convenience, and policies that meet visa criteria without unnecessary extras.
What might suit Aoife:
- Visa-compliant cover with no co-payments or excess
- Proof of Spanish-registered insurer (required for visa)
- Quick digital onboarding and flexible payment options
- Entry-level or standard tier plans from Sanitas, DKV, or MAPFRE tailored to digital nomads
- Specialist expat plans from brokers offering remote-worker packages (e.g. DKV or ASISA-based policies)
Visa/Residency Note:
Spain’s Digital Nomad Visa requires proof of private health insurance that offers full coverage within Spain, includes no co-payments (sin copago), and is issued by a recognised Spanish insurer.
- Offers full coverage in Spain
- Has no co-payments (sin copago)
- Comes from an authorised Spanish insurer
Graham (68) & Sheila (66) — Retired Couple on the Alicante Coast*
Graham and Sheila retired to the coast near Moraira ten years ago. Their life is filled with gardening, social events, and occasional healthcare visits. They rely on UK pensions and want insurance that provides peace of mind - easy hospital access, trusted providers, and support in English when they need it.
What might suit them:
- Senior-friendly policies with good hospital access and outpatient support
- English-language customer service
- Option for dental, wellness and chronic condition support
- Mid- to high-tier plans from Sanitas or Caser, or international plans from Regency for Expats or Allianz Care (all offer options tailored to expats, including VIP support, wellness, and mental health services)
Visa/Residency Note:
Retirees applying for or renewing the Non-Lucrative Visa (NLV) must show:
- Proof of full-cover, no-excess private insurance
- Coverage valid for the duration of their residency
*Personas on this page are fictional and used for illustrative purposes only. Suggested requirements are purely indicative and do not constitute advice.
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We're completely independent — we're not tied to any specific health insurance provider. Our role is to inform, guide, and connect you with a trusted, regulated broker or insurer who can offer the most suitable options for your needs.
You’ll never pay us a fee, and there’s absolutely no pressure or obligation to proceed. We’re simply here to help you get the information you need to make the right decision.
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