“I’m moving to Spain soon and I know that the public healthcare system is good, but I’m considering private health insurance for more coverage and quicker access to medical services. Can anyone recommend the best health insurance plans for expats living in Spain? What are the options and costs? Thanks for your help!”
When moving to Spain as an expat, one of the most important decisions you’ll need to make is whether to rely on Spain’s public healthcare system or opt for private health insurance. While Spain’s Sistema Nacional de Salud (SNS) provides excellent care at a low cost, private health insurance offers faster access to medical services, more flexibility, and additional coverage options. For expats, private health insurance can be an attractive choice, especially if you prefer English-speaking doctors or need quicker access to specialists.
Here’s a breakdown of some of the best health insurance options for expats in Spain, along with their pros and cons.
1. Sanitas
Sanitas is one of the largest health insurance providers in Spain, known for its comprehensive coverage and extensive network of hospitals and specialists. It’s a popular choice among expats due to its high-quality service and English-speaking customer support.
- Coverage: Offers a wide range of plans, from basic to comprehensive coverage, including dental care, specialist consultations, hospital admissions, and emergency services.
- Pros:
- Extensive network of hospitals and doctors.
- Options for international coverage (useful for those who travel often).
- English-speaking customer support.
- No waiting periods for most treatments.
- Cons:
- Premiums can be higher compared to some other providers.
- Limited coverage in rural areas.
Cost: From €50 to €150 per month, depending on the plan and age.
2. Adeslas
Adeslas is one of the most popular health insurance providers in Spain, offering a range of affordable options for both basic and comprehensive care. It is known for its wide coverage network and reasonable pricing.
- Coverage: Includes everything from GP visits and specialist consultations to hospital stays, surgery, and emergency care. Optional dental plans are available.
- Pros:
- Affordable premiums, especially for younger expats.
- Wide network of healthcare providers.
- Offers premium plans with high-quality coverage.
- Dental and vision coverage options.
- Cons:
- Waiting times for certain non-emergency treatments can be longer than with other providers.
- English-speaking services are available, but not as extensive as some competitors.
Cost: Around €45 to €120 per month, depending on the plan.
3. Mapfre
Mapfre is another well-known insurer in Spain, offering high-quality healthcare plans with global coverage options. It’s often chosen by expats who want to ensure international coverage or those seeking comprehensive plans.
- Coverage: Comprehensive plans that include hospitalization, specialist consultations, mental health care, and dental coverage. You can also choose international coverage for emergency medical care abroad.
- Pros:
- Offers both local and international coverage.
- Comprehensive plans that cover a wide variety of services.
- Access to private hospitals with no waiting periods for treatments.
- English-speaking support available.
- Cons:
- Slightly higher premiums compared to other insurers.
- Some services have exclusions for pre-existing conditions in the first year.
Cost: From €50 to €140 per month, depending on coverage level and age.
4. AXA Seguros
AXA Seguros is an international provider offering a range of health insurance options for expats in Spain. It is especially recommended for expats who want international coverage and high-quality private healthcare.
- Coverage: Includes a full range of services, from preventive care and specialist consultations to hospital stays, surgery, and dental care. International coverage is also available.
- Pros:
- International health coverage, which is ideal for expats who travel often.
- High-quality private hospitals and clinics with no waiting times.
- English-speaking services available.
- Cons:
- Higher premiums for more comprehensive plans.
- Limited number of in-network providers in rural areas.
Cost: Starting at €50 to €120 per month, with premium plans reaching €200 per month or more for comprehensive coverage.
5. DKV
DKV is another solid choice for expats, providing affordable health insurance with comprehensive coverage, especially for families and young people. DKV is known for its wide range of specialized services and preventive care options.
- Coverage: Includes hospitalization, specialist visits, emergency care, and dental care. They also offer additional plans for maternity and mental health.
- Pros:
- Flexible plans and good value for money.
- Wide network of hospitals and clinics.
- English-speaking support available.
- Additional services for preventive care and alternative medicine.
- Cons:
- Premiums can increase with age.
- Some waiting periods for certain treatments.
Cost: Around €45 to €110 per month, depending on age and coverage level.
Comparison Table of Health Insurance Providers
| Provider | Starting Cost (per month) | Key Benefits | Pros | Cons |
|---|---|---|---|---|
| Sanitas | €50 – €150 | Comprehensive coverage, English-speaking support | Extensive network, no waiting times, international coverage options | Higher premiums, limited rural coverage |
| Adeslas | €45 – €120 | Affordable premiums, dental and vision coverage | Wide network, good value for money, offers premium options | Longer waiting times for non-emergency care |
| Mapfre | €50 – €140 | Global coverage, comprehensive care | High-quality plans, private hospitals, English support | Higher premiums, exclusions for pre-existing conditions in the first year |
| AXA | €50 – €120 | International coverage, private healthcare | Excellent international coverage, high-quality service | Higher premiums, limited rural coverage |
| DKV | €45 – €110 | Preventive care, alternative medicine, flexible plans | Good value for families, wide range of services, English-speaking support | Premiums increase with age, waiting periods for certain treatments |
Conclusion
Choosing the best health insurance in Spain depends on your personal needs and preferences, such as the level of coverage, whether you need international care, and your budget. If you prefer comprehensive coverage with quick access to top hospitals, Sanitas, Mapfre, and AXA are excellent options. For those on a budget who still want affordable premiums, Adeslas and DKV offer solid coverage for expats.
It’s important to compare the plans available, look at the network of hospitals, check for English-speaking services, and ensure the plan covers what you need, from basic doctor visits to specialist care and emergency services. Don’t forget to check for exclusions, especially regarding pre-existing conditions, and always consider the cost relative to the coverage you’ll get.
Ultimately, the right insurance for you will offer peace of mind and help ensure you have access to quality healthcare during your time in Spain.