We provide the Best Value Health Insurance plans in Spain from all the top insurance comapanies.
Health Insurance – Great Rates and Cover in Spain
It is imperative that you use a broker who knows all the pitfalls and small print in each policy. We have specialised in providing private health cover for over 30 years in Spain, so our team can guide you through the process.
Health cover with No Excess
This cover is national coverage and you will be entitled to use 100% of private hospitals in Spain.
The difference from co payment cover is there is NO EXCESS, meaning you never pay towards any service, it is 100% free.
There is also a standard cover abroad for emergencies. This is usually 12000 euros of cover internationally.
Health Cover with an Excess
This is national cover with Co-payment (excess) where the insured person pays towards the consultation or medical operation.
This is an affordable option and very worthwhile if you rarely are sick.
International Health Policy
International cover is a complex product and there are may insurers offering very different options.
International policies include 100% cover with no excess in Spain. Cover outside of Spain can have no excess or not.
In most cases a 10% or 20% excess will be applied in out of network centers in Spain and world wide. This means the insurance company will cover the majority of the bill and you will have to pay the excess.
REQUEST A HEALTH QUOTE
Spain Health Quote
International Health Quote
- Quotes from multiple insurance compaines for you to compare
- Outline key diferences between policies
- Fast response to questions
- Quick turn around to issue policy
- We can quote for Serious Medical Conditions
Extremely courteous staff continue to be of service when we needed car insurance
Do I need Medical Insurance to gain Residence in Spain
Yes medical insurance is required to gain an NIE in Spain and residence. It is necessary to purchase a no copayment (no excess) policy.
Must I pay for the policy annually?
Monthly options are possible - Unless you require the policy to gain residence, then annual cover is needed.
There are so many companies- which should I choose?
As brokers established since 1989 in the health insurance sector we have come across all the companies on the market. We have narrowed it down to 10 companies out of over 100 in Spain.
Which one is right for you will depend on two key things - your health and your age. In the last year or so if you are looking to become resident there is a further deciding factor.
If you require Health Insurance for Residency
As well as having no copayment and unlimited healthcare, the accepted health insurance policy for residence must also be active for 12 months. This will limit who you can choose as many companies renew on the 1st of Jan. This means if you take a policy out in March then the policy will not be for 12 months and therefore not acceptable for a residency application.
Do not worry however we have an extensive list of top providers that have adapted to this new requirement and do full 12 month policies.
Lastly some companies have a 6 month wait time when you join for a non-emergency. This has potential to be a problem for a visa application if you are only going for a 1 year visa. Again we have options for you and can offer policies that have full cover from day 1 with no wait times, even for non emergencies and tests.
Benefits of using a Broker for your Health Insurance
Quote for Serious Health conditions
Wide range of Insurers available
We work with the top 10 Health insurance providers that we trust and have a relationship with.
Having 30 years experience in the Health insurance sector we are well placed to offer you the best deal.
Search the Market on Renewal
We are able to search for alternatives each year for you and your family.
If you are happy with the current policy we make sure all discounts are applied each year.
We can insurer serious health issues and over 75s
We have access to wide range of insurers that accept a wide range of health precondtions.
We can also provide cover for over 75s.