Do I need Health Insurance When Moving to Spain?

When planning your move to Spain as an expat or digital nomad, one of the crucial aspects to consider is health insurance. Spain requires visitors who intend to stay longer than 90 days to have health insurance coverage that meets specific requirements for obtaining residency. The minimum coverage amount should be equivalent to €30,000, with no copayments or deductibles, and must cover emergency medical and hospitalization services. Additionally, the insurance policy should provide coverage for the entire duration of your stay in Spain.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance plans typically meet the requirements for Spanish residency, provided they include the necessary coverage mentioned above. It is essential to ensure that your policy covers emergency medical and hospitalization services and that the coverage limits meet the minimum requirement of €30,000. Additionally, make sure that the policy does not include copayments or deductibles, as these are not acceptable under the Spanish residency requirements.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Spain offer insurance plans that meet the requirements for expats and digital nomads. Some of the most popular local insurers include Sanitas, Adeslas, and Asisa. These companies provide a range of health insurance plans designed to meet the needs of expats, including coverage for emergency medical and hospitalization services. It is recommended to compare the different plans and choose one that best suits your needs and budget.

Advice from Expats in Spain about Health Insurance

Expats in Spain share valuable advice regarding health insurance. They recommend choosing a policy with comprehensive coverage that includes not only emergency medical and hospitalization services but also preventive care, specialist consultations, and prescription medications. Additionally, it is crucial to ensure that the policy covers you in other European countries if you plan to travel. Lastly, consider selecting an insurance provider with a strong reputation and positive reviews from other expats, as this can indicate reliable service and support.

Expats Talk about Health Insurance in Spain

"My policy costs 1017 Euros or about $1109 annually. It can also be paid monthly through a bank deduction. There is no co-pay, which is the requirement for the Spanish visa, so most treatment is included, but not prescriptions or outside consultation," said one expat who moved to Altea, Spain.

"We have a private health insurance with Sanitas and are happy with them. It’s acceptable at our nearest hospital. Sanitas was most well known health insurance among expats. They will take payments without a Spanish bank account, which we find very convenient because we didn’t have a Spanish bank account last year before we moved to Spain," mentioned one expat when asked about moving to Spain.