Health Insurance in Spain.

Spain has long attracted people from all over the world with its climate, culture, and high quality of life. If you plan to stay for a long time, move, or frequently visit the country for work or personal reasons, it is important to arrange for health insurance. The Spanish healthcare system offers public and private options that differ in terms, costs, and availability. In this article, we will explore the key aspects of health insurance in Spain to help you make an informed choice.

Public and private health insurance: main differences

Public insurance

Public health insurance is available to residents of Spain, officially employed citizens, or those with long-term residency permits. It covers a wide range of services, including treatment for chronic illnesses. However, note that the public system is tied to your place of residence, and waiting times for consultations and surgeries can be lengthy.

If you have just obtained a residency permit, access to the public healthcare system becomes available two months after registering at your place of residence. For those who are not employed, there are paid public policies, the cost of which depends on age and health condition (from €60 to €157 per month). Learn more about health insurance.

Private insurance

Private health insurance provides greater flexibility. You can choose clinics, specialists, and hospitals from a list provided by the insurance company. This allows for quicker access to medical services. For example, waiting times for a doctor's appointment are typically from one day to three weeks, and planned surgeries are available 10 months after the policy begins.

Why might private insurance be more convenient?

Private insurance is ideal for those who:

• Value prompt and flexible medical care.
• Travel frequently between countries and want insurance that is not tied to a specific residence.
• Do not want to wait in long queues, which is typical of the public system.

In addition, private policies often include additional options, such as dental care, ophthalmology, and rehabilitation. To explore all possibilities, you might consider life insurance as complementary coverage.

Arranging and cost of private insurance

Minimum duration of the policy

The minimum duration of a private insurance policy in Spain is one year. This means that it is not possible to arrange insurance for three or six months. However, it can be valid during each visit to the country within a year, making it convenient for those not planning permanent residence.

Required documents

To arrange private insurance, you will need:

• A passport or other identity document.
• Contact details: an address in Spain, phone number, email.
• Height and weight details to complete the form.

Payment can be made via a European bank account, international transfer, or card. A residence permit is not required for the initial arrangement.

How to choose the right insurance company?

When choosing a company, consider:

• The coverage you specifically need (e.g., treatment for chronic illnesses).
• The list of clinics and doctors that the company collaborates with.
• The cost and installment payment options.

Some companies offer family policies, which can be more cost-effective if you plan to insure multiple family members at once.

What is a “copay,” and how does it work?

Private insurance may include a “copay” system, which involves additional payments for certain services, such as consultations with specialists or diagnostic procedures. However, most premium policies offer full coverage without additional payments, making them a convenient option for long-term stays.

Advantages of private insurance for working and active individuals

Private insurance is excellent for active and mobile individuals who value:

• Quick access to medical services.
• A wide range of specialists and clinics.
• Flexibility in using insurance when traveling abroad and returning to Spain.

Conclusion

Health insurance in Spain is an important aspect of life that should be planned in advance. If you lead an active lifestyle, travel frequently, or plan to stay in the country for a long time, private insurance is an excellent choice. It provides access to quality medical services, minimizes waiting times, and offers the freedom to choose doctors and clinics. Carefully review policy terms to select the best option for your needs.