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Private Health Insurance for British 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 UK nationals 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 British expats are surprised to discover that Spain’s healthcare system doesn’t always offer free or automatic access to residents from the UK - especially post-Brexit. While Spain has an excellent public healthcare system, it’s generally accessible 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're usually required 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 the visa and residency process 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 when you’re living overseas.
Find your best healthcareWho Needs Private Health Insurance in Spain?
- British citizens 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?
- British citizens 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?
British 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.
Mark, 42 — Working-Age Father in Málaga Province*
Mark moved to Spain in 2019 with his wife and two children. He works remotely for a UK fintech company and enjoys the Mediterranean lifestyle from their home near Estepona. With a steady income in pounds and family life in full swing, his priorities are convenience, access to quality private care, and long-term stability.
What might suit Mark & his family:
- Family-level cover with private paediatric and outpatient access
- Fast claims processing and English-speaking support
- Broad Spanish provider network for convenience and proximity
- Fully Comprehensive Plans from insurers like DKV Seguros or ASISA (widely recognised in Spain)
- Top-tier international options like Cigna Global or Allianz Care, depending on income and preference for international portability
Visa/Residency Note:
While Mark is no longer a new applicant, families in similar situations moving post-Brexit may still require proof of ongoing private coverage for residency renewal.
Find your best healthcare
Lucy, 27 - Digital Nomad in Valencia City*
Lucy is a freelance UX designer from Manchester, living in Valencia on a digital nomad visa. She splits her time between co-working cafés and beach evenings with friends. As a freelancer, she needs simple, digital-first insurance that ticks all the boxes for her visa and lets her focus on enjoying life and work in Spain.
What might suit her:
- 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 Adeslas, Sanitas, or DKV tailored to visa requirements
- Some plans branded specifically as "Digital Nomad Cover" (e.g. from brokers who package DKV or ASISA products)
Visa/Residency Note:
Digital Nomad Visa applications require private health insurance that:
- 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 ASISA , or international plans from Regency for Expats or Allianz Care (both 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.
No obligation, just useful information
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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