PROPERTY SEARCH

Date Published: 19/01/2026

Health insurance in Spain for expats: What you need to know

A guide from InsureSpain on choosing the right health insurance for expats and accessing care across the country

Spain is a top destination for expats thanks to its warm climate, vibrant culture and high quality of life. One crucial aspect of settling in, however, is securing proper health insurance. Fortunately, Spain offers several options that cater well to the needs of foreign residents.

Spain has a public healthcare system (Sistema Nacional de Salud) that provides excellent care, largely funded through social security contributions. If you’re employed or self-employed in Spain and paying into the system, you and your dependents can access public healthcare for free or at a very low cost.

EU citizens can initially use their European Health Insurance Card (EHIC), but long-term residents will need to register with the local social security office. Non-EU nationals typically need private health insurance to obtain a visa or residency. The policy must offer full coverage with no co-payments and be valid throughout Spain.

Private health insurance is also a popular option for expats who prefer English-speaking doctors, shorter wait times or more flexibility in choosing providers. Several insurers offer expat-friendly policies, with premiums depending on age, coverage and health history.

For retirees or those without employment, Spain’s “Convenio Especial” offers access to public healthcare for a monthly fee, though it doesn’t cover prescriptions. Before moving, research your eligibility and needs carefully.

Whether you opt for public or private insurance, Spain’s healthcare system is ranked among the best globally — ensuring peace of mind as you start your new life abroad.

InsureSpain can offer several options of health insurance that meet the visa requirements. Those seeking more information about health insurance or any other options can contact Insure Spain directly for advice and assistance:

Contact details

Call: 0034 660 170 355 (also WhatsApp)
Email: info@insurespain.com
Website: https://insurespain.com/
Facebook

Image: Freepik

Linea Directa Bottom Article M-Z CAR INSURANCE

Tel: 660 170 355

View Website

Facebook

Insure Spain offers specialist advice, fast service and policies designed for expats in Spain

Insure Spain is dedicated to helping expats find the best insurance policies at the most competitive prices. Whether moving to Spain temporarily or settling down permanently, the company provides expert guidance and a wide range of cover options to suit every stage of life.

The team is available 7 days a week and always replies promptly, so that you can have your answers when you need them.

With a focus on making the process simple, Insure Spain offers an easy-to-arrange service where customers can speak directly with agents in their own language. The team understands the challenges of relocating because they have been through the same experience themselves, ensuring advice is both practical and personal.

Cover includes health and medical insurance, car and home protection, life policies, business insurance and travel cover. Insure Spain also offers special conditions and flexible payment plans to make insurance as stress-free as possible.

With Insure Spain, expats can feel secure knowing their insurance needs are handled by professionals who truly understand their lifestyle.