Personal · Independent · English-speaking since 1998
Private health insurance in Spain for expats
For English-speaking expats and residents across Spain – personal advice in English, comparison of leading insurers and access to private hospital networks. Offices in the Canary Islands, Mallorca and the Costa Blanca.
- Advice in English – no language barriers
- Independent insurance broker since 1998
- Across Spain – Canary Islands, Mallorca and mainland
- Personal support in several regions
Request a quote
Takes around 3 minutes · reply within 24 hours
We compare leading insurers for you
Our complete insurance range across Spain
Comprehensive protection – all in one place
Find the right cover in three simple steps
Send your enquiry
Complete the form in English in around five minutes. Your answers help us find the right options for your needs.
Personal consultation
Our English-speaking team will contact you within 24 hours by phone or email, whichever you prefer.
Tailored comparison
You receive a comparison of suitable options from leading insurers – transparent and with no obligation.
English-speaking insurance advice across Spain
“We help English-speaking expats and residents across Spain navigate the Spanish insurance system – personally, independently and in your language. From the first consultation to claims support, you have a dedicated team throughout the process.”
- Main phone: +34 922 94 16 10
- Mobile: +34 611 06 94 02
- Email: [email protected]
- Offices: Canary Islands, Mallorca and Costa Blanca
- Languages: English, Spanish and German
What residents across Spain say
“I am very grateful for the support I received. Everything was explained clearly and I always knew who to contact when I needed help.”
Barbara Schaeffer
Spain · Client since 2021
“The move to private health insurance was organised perfectly. Today my whole family has good cover at a fair price. A very friendly and professional team.”
Sandra Borodon
Spain · Client since 2020
“The advice was excellent and the whole process was quick and straightforward. The team answered all our questions and supported us at every step.”
Mery DA
Spain · Client since 2024
What does private health insurance cost in Spain?
The cost of private health insurance in Spain depends on several factors, including your age when you join, the geographical area of cover, any excess or co-payments and whether the policy is for one person or a family. For a single person in their early 40s, monthly premiums may start at around €90–€150, while a family of four may pay roughly €280–€450 per month. These are indicative ranges only; the final premium is calculated individually.
Most insurers also require a health questionnaire. Pre-existing conditions do not automatically mean that cover is impossible, but they may lead to exclusions, special terms or a different plan. We explain the options clearly before you apply.
Single person, age 42
Private Spain-only cover · indicative example from around €90–€150/month
Family of four, parents aged 38 and 40
Private family cover · indicative example from around €280–€450/month
Seguridad Social or private health insurance?
Spain has a public healthcare system, the Seguridad Social, alongside private health insurance. Access to the public system depends on each resident’s personal circumstances. For many expats and residents, private insurance also provides faster access to specialists, private hospitals and greater choice.
The right option depends on your residency situation, age and needs. We explain the differences clearly and compare suitable private policies.
Healthcare for expats and residents in Spain
The availability of private hospitals, insurers and professionals who speak different languages varies by region. Major cities and international areas such as the Costa Blanca, Mallorca and the Canary Islands have extensive private medical networks. In more rural locations, it is especially important to check the medical network included with each policy.
Public healthcare
Seguridad Social and public health centres
- Public healthcare is available to people who have the relevant entitlement under the Spanish healthcare system.
- Waiting times for certain specialists can be longer, depending on the region and type of treatment.
Private healthcare
Private doctors and hospital networks
- Private insurance can provide faster access to contracted specialists and private hospitals, depending on the policy network.
- In international areas, some doctors and clinics also offer consultations in English.
Regional access
Specialist care across Spain
- For highly specialised treatment, patients may need to travel to a larger city or another island, depending on where they live.
- When comparing policies, we check that the medical network suits your location and likely healthcare needs.
Frequently asked questions
Do I need health insurance as a resident in Spain?
It depends on your circumstances. Some residents have access to the Spanish public healthcare system, while others need or prefer private health insurance. Travel insurance is not a substitute for full healthcare cover for residents. If you need insurance for a visa or residence procedure, specific policy requirements may also apply.
Seguridad Social or private health insurance – which is better?
The Seguridad Social provides comprehensive public healthcare, while private health insurance can offer faster access to specialists, private hospitals and greater choice. Many residents use both systems as complementary options.
Can I combine public healthcare and private health insurance?
Yes. Many residents use the public healthcare system when they are entitled to it and also take out private insurance for greater choice, shorter waiting times and access to private hospitals.
Up to what age can I take out private health insurance?
The maximum entry age varies by insurer. Some providers accept new applicants at older ages, and specific options may be available for senior clients. We compare several insurers according to your age, health and circumstances.
How are pre-existing conditions treated?
Pre-existing conditions must normally be declared when you apply. Depending on the insurer and the condition, they may be accepted, excluded from cover, subject to special terms or, in some cases, declined.
Why use an insurance broker who advises in your language?
An insurance broker who advises in your language can compare several insurers, explain cover and exclusions clearly and support you after the policy starts. This gives you one point of contact for questions, changes and claims.
C1 Broker Spain – English-speaking insurance advice
Private health insurance in Spain, made simple
Free advice in English · reply within 24 hours