Personal · Independent · English-speaking since 1998
Private health insurance in La Palma
For English-speaking expats and residents in La Palma: personal advice in English, access to private doctors and support throughout the process, including when treatment requires travel to Tenerife.
- Advice in English – clear and personal support
- Independent insurance broker since 1998
- Fast access to private doctors and clinics
- In-person support in La Palma
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Our complete insurance offering in La Palma
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Send your request
Complete the form in English in around five minutes. Your details help us find the most suitable option for you in La Palma.
Personal consultation
Our team in La Palma will contact you within 24 hours by phone or email, whichever you prefer.
Tailored proposal
You receive a clear, no-obligation comparison of suitable options from leading insurers.
Petra Stabenow, Gwendolyn Werner and Maria Vodomirova
Your trusted insurance team in La Palma
“We help English-speaking expats and residents in La Palma find insurance that fits their needs, with personal, independent and tailored advice. From the first contact to the handling of any claim, you always have a trusted adviser by your side.”
- Phone: +34 922 94 16 10
- Mobile: +34 611 06 94 02
- Email: [email protected]
- Office: Av. Venezuela 1, Local 1B, 38768 Los Llanos de Aridane, La Palma
- Languages: English, Spanish and German
What residents in La Palma say
“I am very grateful for the support I received in connection with the volcanic eruption. I do not know what my life would have been like without their help.”
Barbara Schaeffer
La Palma · Client since 2021
“The move to private health insurance was perfectly organised, even though several steps were required. Today my whole family has good cover at a fair price. A very friendly team – what more could you ask for?”
Sandra Borodon
El Paso · Client since 2020
“The advice was excellent and the whole process was quick and easy. The team answered all our questions and supported us at every step. Highly recommended.”
Mery DA
Los Llanos de Aridane · Client since 2024
How much does private health insurance cost in La Palma?
The cost of private health insurance in La Palma depends on several factors: entry age, the geographical scope of cover (Spain only or international), whether co-payments apply and family circumstances. For someone around 40, monthly premiums are often approximately €90 to €180. A family with two children may pay around €280 to €450 per month. These figures are indicative; the actual offer depends on each person’s situation.
Single person, age 42
Family of 4, parents aged 38 and 40
Public healthcare or private health insurance?
In Spain there are two main routes: the Seguridad Social (the public system for employees and self-employed people who contribute) and private health insurance. People living in La Palma who are not covered by the public system often need private health insurance, which may also serve as evidence for certain residence procedures. People with private insurance often benefit from shorter waiting times and greater freedom to choose doctors and clinics within their policy network.
Healthcare in La Palma
La Palma has good basic public healthcare, although specialist services are more limited than on the larger Canary Islands. For this reason, some specialised treatments are carried out in Tenerife. Here is an overview of the available care:
Public healthcare
Public hospital and health centres
- Basic public healthcare is provided through health centres and the Hospital General de La Palma in the Breña Alta area.
- Access is through the public healthcare system. Waiting times for some specialists can be longer.
Private specialists on the island
Private specialists in La Palma
- Private specialists and consultations are concentrated mainly in Los Llanos de Aridane and Santa Cruz de La Palma.
- With private health insurance, you may get appointments faster and choose from doctors included in your policy network.
Specialist care in Tenerife
Private hospitals in Tenerife
- For specialised treatments and more complex operations, patients often travel to Tenerife, for example to Hospiten or Quirónsalud facilities.
- When comparing policies, we check that suitable hospitals are included and guide you through the organisation of treatment.
Frequently asked questions
Do I need my own health insurance as a resident in La Palma?
People living in La Palma need healthcare cover in Spain, either through the public healthcare system or private health insurance. Travel insurance or a temporary policy taken out in another country is usually not sufficient for permanent residence. We help English-speaking expats and residents understand which option is most suitable for their situation.
What is healthcare like in La Palma?
La Palma has health centres, a general hospital and specialist consultations, especially in Los Llanos de Aridane and Santa Cruz de La Palma. The range is smaller than on the larger islands, so some specialised treatments take place in Tenerife. Private insurance can make faster access to specialists and private clinics easier.
Do I need to travel to Tenerife for specialised treatment?
Yes, this is common in the Canary Islands. Some specialised treatments, more complex operations or less common specialties are handled in private hospitals in Tenerife, for example within the Hospiten or Quirónsalud networks. When comparing policies, we check that suitable providers are included and guide you through the process.
Up to what age can I take out private health insurance?
Most private insurers in Spain accept new customers up to an entry age of around 65 to 70. Some insurers accept higher ages or offer specific solutions for older clients. We compare the conditions available.
How are pre-existing conditions treated?
Pre-existing conditions must be declared accurately when applying. Depending on the case, the insurer may apply a surcharge, temporarily exclude a specific benefit or propose an alternative plan. We review each situation individually.
Why use a local insurance broker?
A local insurance broker can compare different insurers, explain policy conditions in English and provide a contact person for both the application and claims. We can also help with communication with insurers and clinics, including when treatment requires travel to Tenerife.
Private health insurance in La Palma with confidence
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