Private Health Insurance Companies in Spain For Expats

  • January 9, 2024

Private health insurance in Spain is a vital consideration for expats, providing an alternative or supplementary option to the public healthcare system. Expatriates from the US should note that Spanish private health insurance often covers a wide range of medical services, including hospital stays, specialist consultations, and diagnostic tests. Plans usually offer more extensive coverage than the public system, enabling quicker access to medical care and a broader network of healthcare providers. Many private health insurance policies also include additional services like dental and vision care, addressing needs that may not be fully covered by the public system. Expats should carefully review policy details, considering coverage limits, exclusions, and waiting periods to ensure their chosen plan aligns with their healthcare needs.

Pricing for private health insurance in Spain varies based on factors such as age, coverage level, and pre-existing conditions. On average, monthly premiums range from €50 to €150, with more comprehensive plans and additional coverage options available at higher costs. Among the largest and most reputable private health insurance providers in Spain are:

  1. Sanitas:
    • Description: Sanitas is a leading health insurance provider in Spain, offering a variety of plans tailored to the needs of expatriates. Their comprehensive coverage includes a wide range of medical services, and they have established themselves as a trusted choice in the country.
    • Website: Sanitas
  2. Adeslas:
    • Description: Adeslas is a well-known insurance company with a diverse range of health insurance options, including plans specifically designed for expatriates. They provide extensive coverage and have a strong presence in the Spanish insurance market.
    • Website: Adeslas
  3. Mapfre:
    • Description: Mapfre is a global insurance company with a significant presence in Spain. They offer various insurance products, including health insurance plans with comprehensive coverage for residents and expats.
    • Website: Mapfre
  4. Cigna Global:
    • Description: Cigna Global specializes in international health insurance, providing comprehensive coverage for expatriates, including those living in Spain. Their plans are designed to meet the unique needs of individuals living abroad.
    • Website: Cigna Global
  5. Axa:
    • Description: Axa is a leading insurance company with a global presence. In Spain, they offer health insurance solutions for expatriates, providing coverage that aligns with international standards.
    • Website: Axa
  6. DKV Seguros:
    • Description: DKV Seguros is known for its health insurance products, providing coverage for medical services and facilities. They offer a range of plans suitable for residents and expatriates in Spain.
    • Website: DKV Seguros
  7. Allianz Care:
    • Description: Allianz Care specializes in international health insurance, offering plans suitable for expatriates living in Spain. Their coverage extends to a variety of medical services and is designed for individuals and families.
    • Website: Allianz Care
  8. Generali Seguros:
    • Description: Generali Seguros provides a wide range of insurance products, including health insurance options for individuals and families. They are recognized for their commitment to offering comprehensive coverage.
    • Website: Generali Seguros
  9. ASISA:
    • Description: ASISA is an insurance company in Spain that offers health insurance plans and healthcare services. They cater to the needs of residents and expatriates, ensuring access to quality medical care.
    • Website: ASISA
  10. Néctar Seguros:
    • Description: Néctar Seguros is a Spanish insurance company providing health coverage, including plans tailored for expatriates. They offer a range of insurance products to meet diverse needs.
    • Website: Néctar Seguros

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