Getting health insurance in Spain (2023)

Moving to Spain? Make sure you and your family are covered for every eventuality by reading our guide to health insurance in Spain.

All residents in Spain have access to the free public Spanish healthcare system, although private insurance may be necessary in certain situations.

This guide on health insurance in Spain covers the following topics:

  • The healthcare system and health insurance in Spain
  • Who needs health insurance in Spain?
  • Public health insurance in Spain
  • How to apply for public health insurance
  • Private health insurance in Spain
  • Health insurance costs and reimbursements
  • Health insurance for unemployed or low earners

Globality Health

Globality Health is an expat-friendly international health insurance provider. They tailor their range of expert premiums to the needs of you and your family, including eye care, dentistry, family doctors, and more. So, see your health care options more clearly with Globality Health.

COVID-19 in Spain

Getting health insurance in Spain (2)

The COVID-19 pandemic has been a difficult time for everyone. Many expats find themselves separated from family and loved ones in their home countries. As a foreigner, it is also sometimes difficult to find critical information regarding coronavirus infection rates, local measures, and restrictions, and now, thankfully, vaccinations.

  • For general coronavirus health information in Spain, including vaccination schedules and locations, visit the Ministerio de Sanidad’s COVID-19 online resource center.
  • For dedicated information on how the COVID-19 pandemic affects Spain, consult our guide to theCOVID-19 pandemic in Spain.
(Video) How Much Is Health Insurance In Spain? What We Pay

The healthcare system and health insurance in Spain

The Spanish healthcare system ranks among the best in the world. Social security payments fund the system, meaning that most residents don’t require private insurance to access health services.

The 2019 Health Care Index ranks Spain seventh out of 89 countries on overall healthcare, behind only Austria and Denmark in Europe.

While the Spanish state system is excellent, some expats choose to take out additional private coverage, which can cut waiting times and make it easier to see an English-speaking doctor.

Who needs health insurance in Spain?

If you are living and working in Spain, you generally pay Spanish income taxand social security in Spain that goes towards providing you with state healthcare.

If you’re ineligible for health insurance, you can pay for treatment yourself or take out a private health insurance plan. In some regions, you can register for a government-run scheme called convenio especial which provides social security cover for a basic monthly fee.

Public health insurance in Spain

Who does public health insurance cover in Spain?

  • Employees: all employees and self-employed workers in Spain must make social security contributions. This then entitles them to Spanish health cover.
  • Self-employed, freelancers and business owners: freelancers in Spain are responsible for paying your own social security contributions towards public healthcare. You can apply for a social security number at your nearest Social Security Office.
  • Spouses and children: the spouse and any children of workers are also entitled to state healthcare, as long as they also reside in Spain.
  • EU/EEA/Swiss nationals: EU, EEA, and Swiss nationals who have reached retirement age in their home country are entitled to free healthcare in Spain. In order to qualify they must obtain an S1 form from their country of residence. Preparing this form before moving helps simplify the registration process. EU, EEA and Swiss residents staying in Spain on a temporary basis can use their European Health Insurance Card, which entitles them to receive medical treatment at the same cost as a Spanish national.
  • Non-EU nationals: non-EU/EEA nationals may have to provide proof of private health insurance before getting a Spanish visa. Some non-EU nations, however, have an agreement in place with Spain. It’s important to know what you’re entitled to, so check with the consulate or embassy in your home country before arrival.
  • Students: EU nationals studying in Spain will be covered by their EHIC throughout their period of study. Non-EU students, however, might need a private health insurance plan prior to arrival. Your university can provide more detail.

What does Spanish health insurance cover?

The TSI health card covers care from doctors and hospitals. It also covers treatment at home, which can be particularly useful to the elderly and disabled.

Presenting a TSI card means you pay no fees when receiving treatment at hospitals or from a doctor in Spain. The prescription fee at pharmacies, however, must be paid by you at the time of purchase.

(Video) Private Health Insurance in Spain: What Should You Know?

TSI covers between 40–60% of the cost of prescription drugs, depending on your earnings (90% for pensioners). Although individuals are liable for the remaining cost, prescription drugs in Spain are relatively cheap.

Dental work in Spain does not fall under the public care system and must be paid for in full by the individual unless they have private health insurance.

Dentist fees are relatively inexpensive and the general quality of care is of a high standard. However, private health insurance can halve the costs, with dental insurance costing as low as €10–20 per month.

How to apply for public health insurance

If you are a resident in Spain, you need to register your address on the padron at your local town hall.

Once you have done this, you will get an empadronamiento (certificate of registration). You’ll need this to apply for a healthcare card.

You will also need to make sure you have your social security number, which will be issued by your employer. If you haven’t received one, you can sort this out through your local social security office, called theTesoreria General de la Seguridad Social (TGSS).

Get more information in our guide to doctors in Spain

You can find your local Social Security Office (Oficina del Instituto Nacional de Seguridad Social) on the government’s website.

Once you have your TSI card, you can register with an individual doctor or at your local health center. You can select doctors and pediatricians from within your local healthcare district. To see any other specialist practitioners, however, you must be referred by your GP.

(Video) Health Insurance for Spain Student Visa | Mahi Vlogs #mahivlogs #spainvisa #studentlife

Your TSI health card proves that you have health insurance in Spain. Present it whenever you use a public health service or purchase a prescription from a pharmacy.

Private health insurance in Spain

If you require additional healthcare services, you can opt for private health insurance. Spanish private health insurance companies offer a range of packages that cater specifically to your circumstances.

As ever, it’s important to thoroughly research your health insurance options and seek as much advice as possible before committing to a specific plan. Foreigners should check if their package provides the same protection in Spain as it does back home.

EU nationals who travel frequently outside of the EU may also consider private health insurance, as the EHIC card only covers travel within the EU.

The advantages of getting private health insurance coverage in Spain

While the quality of public healthcare is high, some residents opt for private coverage. This helps patients avoid the lengthy waiting times often found in the state system.

This is an important factor to consider when weighing up the private care avenue, and is particularly important if you will require regular treatment.

A private health insurance plan enables you to select a doctor with a strong grasp of English. Lists of English speaking doctors are also available from tourist offices and embassies.

How to choose a health insurance provider

You can compare private health insurance providers in Spain and get free health insurance quotes. In addition to this, you can also use the following tools: Spanish) (in Spanish).

Some of the largest private health insurance companies in Spain include:

Health insurance contributions and reimbursements

Spain’s healthcare system is funded by contributions to the country’s General Social Security Fund (Tesorería General de la Seguridad Social).

(Video) Health Insurance for your Spanish Visa - your questions answered

Anyone working in Spain receives a social security number and must make monthly contributions.

These payments are automatically deducted from their wages, with employers also contributing a percentage to the scheme for each worker. This, in turn, entitles employees to free Spanish healthcare.

Your contributions towards health insurance in Spain are based on minimum and maximum contribution rates set by the government each year.

The current payment rates were set in 2019. General employees contribute 4.7% of their annual salary to the social security system.

Employers contribute the equivalent of 23.6% of the employee’s earnings (making a total contribution of 28.3%).

Self-employed workers pay between 18.75% and 26.5%, depending on their earnings.

Health insurance for unemployed or low earners

Spanish authorities offer a pay-in scheme, known as theConvenio Especial (special agreement).

This is available to those who may have issues accessing the benefits of the system, such as those who become unemployed or are on low wages.

It is essentially a low-cost insurance scheme that provides cover in exchange for a low monthly fee. You can choose to pay a minimum, average, or a maximum contribution base.

The convenio especial is suspended during periods of normal employment where your contributions will be met through your salary.

(Video) Health Insurance and Healthcare in Spain

Useful resources


Does Spain require proof of health insurance? ›

One of the main requirements for a short-stay visa to Spain is a document that proves you have travel insurance that covers the whole territory of Schengen. The document must prove your insurance has minimal coverage of €30,000. It should also cover any health-related incident, including repatriation in case of death.

How do you qualify for healthcare in Spain? ›

As an expat, you can get free state healthcare if you are: A resident in Spain and work in employment or self-employment and pay social security contributions. Living in Spain and receiving certain state benefits. A resident in Spain and recently divorced or separated from a partner registered with social security.

What are the cons of Spain's healthcare system? ›

The only downside to public healthcare in Spain is the long waiting lists for specialists and non-emergency care. To find the nearest hospital, check the Spanish health ministry website.

Do British expats get free healthcare in Spain? ›

How much you'll pay. Once registered for healthcare, basic state services are free. There are some things that you may need to pay a percentage of the cost for, such as orthopaedic services. Spain uses a co-payment system where residents usually pay between 10% and 60% of the cost of prescription medication.

Can Expats get health insurance in Spain? ›

American expats in Spain have two main options to obtain health insurance while living in Spain: Purchase international health insurance with global coverage. Purchasing an international health insurance policy is one of the best options for US expats in Spain.

Do tourists pay for healthcare in Spain? ›

All EU and European Economic Area (EEA) nationals below retirement age who visit Spain for a short holiday are entitled to free or reduced-cost emergency medical healthcare and treatments at all Spanish public medical centres and hospitals on production of a valid European Health Insurance Card (EHIC).

Does Spain have free healthcare for foreigners? ›

Spain has both public and private healthcare systems. The public system provides free basic healthcare to those who contribute to the Spanish social security system and their families. The public system also provides free healthcare for retirees, including those from other EU countries.

How much do you need in the bank to retire to Spain? ›

It's possible to retire comfortably in Spain on about $25,000 a year. That breaks down to roughly $2,083 per month. Of course, it is possible to live in Spain on less — $20,000, for instance. This amount would make more sense if you decide to live farther from big cities and lead a more minimalist lifestyle.

How much is a hospital stay in Spain? ›

Is healthcare free in Spain?
Medical ItemCost in Spain
Average monthly medical premium for an individual€50
One-day hospital stay€200
Primary Care visit€100
Specialist visit€150
1 more row
14 Nov 2017

Which country has best healthcare in the world? ›

22, falling seven spots on the list compared to 2020.
  • United Kingdom. ...
  • Norway. Quality of Life Rank: 4. ...
  • Netherlands. Quality of Life Rank: 7. ...
  • Switzerland. Quality of Life Rank: 5. ...
  • Canada. Quality of Life Rank: 1. ...
  • Denmark. Quality of Life Rank: 2. ...
  • Germany. Quality of Life Rank: 9. ...
  • Sweden. Quality of Life Rank: 3.
13 Apr 2021

Are Spanish doctors good? ›

The Spanish health care system is ranked as the 7th most efficient healthcare in the world, as indicated in the year 2000 in a report by the World Health Organization. Spain's healthcare system ranks 19th in Europe according to the 2018 Euro health consumer index. Spain is ranked 1st in the world in organ transplants.

Are hospitals in Spain good? ›

Spain's single-payer health care system is ranked seventh best in the world by the World Health Organization. The system offers universal coverage as a constitutionally-guaranteed right and no out-of-pocket expenses — aside from prescription drugs.

Can I still use the NHS if I move to Spain? ›

If you're moving abroad on a permanent basis, you'll no longer automatically be entitled to medical treatment under normal NHS rules. This is because the NHS is a residence-based healthcare system. You'll have to notify your GP practice so you and your family can be removed from the NHS register.

Is there an NHS equivalent in Spain? ›

The Spanish equivalent of the NHS is called the Spanish National Health System, or the Sistema Nacional de Salud (SNS). It was founded in 1986, and exists to offer healthcare to all Spanish citizens, alongside all EU citizens that happen to be within Spain's borders.

How long can pensioners stay in Spain? ›

If you wish to stay longer than 90 days you will need to get a visa appropriate for the purposes of your stay in Spain. Thus Brits or other Non-EU citizens wishing to retire to Spain will generally need to apply for a Golden Visa or a Non-Lucrative Visa if they wish to stay long term in Spain.

What are the pros and cons of Spain's healthcare system? ›

private health systems in Spain.
  • Pro: Expert doctors and services. ...
  • Con: Different doctors each visit. ...
  • Pro: Most prescriptions are covered or discounted. ...
  • Con: Language barrier. ...
  • Pro: You can go to any hospital to give birth. ...
  • Con: Delays and a lack of flexibility. ...
  • Pro: Maternity classes are available through health centers.

How long do you have to live in Spain to become a resident? ›

The residence permit is usually issued for a period of 2 years, renewable, provided that you still meet the economic requirements and you have lived at least 183 days in Spain each year. After 5 years of holding the temporary residence permit, you will be eligible for permanent residency.

How do I get a medical card in Spain? ›

You can get one by going to your local health centre and applying there. You will need to take the necessary documentation such as your social security certificate, your green residency certificate or TIE and your padrón certificate. The SIP, the public health card in Spain's Valencia region.

Can I go to the hospital in Spain without insurance? ›

In case of an emergency in Spain

For emergencies, call 112 right away for an ambulance or police. All foreigners and citizens have a right to be served for emergency or urgent treatment in Spanish hospitals, no matter your insurance coverage or whether or not you have a general practitioner.

Why is travel insurance to Spain more expensive? ›

Why is travel insurance to Spain more expensive? The price of Spain travel insurance is based on claims costs. When something happens in Spain, the cost can be higher than elsewhere in Europe. Usually because medical treatments are more expensive, particularly in private hospitals.

How do tourists get antibiotics in Spain? ›

Antibiotics such as amoxicillin are not available to buy over the counter. You will need to show a prescription if you require these. So if you have a minor ailment, don't worry about making an appointment with your doctor, just pop down to your local farmacia first.

Is emergency healthcare free in Spain? ›

An EHIC or GHIC covers state healthcare, not private treatment. With an EHIC or GHIC you can get medically necessary treatment in Spain on the same basis as a Spanish citizen. This means that you'll get healthcare services for free or at a reduced cost.

Are prescriptions free in Spain? ›

Anyone with an income greater than 18,000€ a year will have to pay half the cost of the medication. Those below this amount will pay up to 40%. Pensioners with an income of less than 18,000€ who have made a tax declaration will pay 10% for a Spanish prescription with a maximum payment of 8 euros a month.

Can you buy a house in Spain without residency? ›

Are foreigners allowed to buy property in Spain? Of course! There are no restrictions on buying property in Spain, whether it's commercial, residential or land. In fact, Spain encourages investment by foreigners, both resident and non-resident.

What are the pitfalls of retiring to Spain? ›

Why Does Relocation To Spain Go Wrong?
  • Missing Family and Friends. It is the experience of many estate agents that the impulsion to move back to a home country comes from the female in a relationship. ...
  • Marital Issues. ...
  • Unrealistic Expectations. ...
  • Cheaper Way of Life. ...
  • Finding Work. ...
  • Property Problems.

Can pensioners still retire to Spain? ›

Yes, Americans can retire in Spain. Technically, you can enter the country and stay there for 90 days with an American passport. However, if you wish to spend more than 90 days there, you must get a visa. The best visa option for that is a Residence Visa without the right to work.

How much monthly income do you need to live in Spain? ›

Main Applicant - The main visa applicant will need to prove an income of 400% of the Spanish IPREM (Indicador Público de Renta de Efectos Múltiples), which in 2022 equates to €579,02. This means you will need to have an income of at least €2,316,08 per month or its legal equivalent in foreign currency.

How much does an xray cost in Spain? ›

How much does x-ray examination cost in Spain?
X-ray examinationfrom $96from $50
7 Oct 2021

What is the best hospital in Spain? ›

Madrid and Barcelona dominate the rankings – see them below:
  • Hospital Universitario Valle de Hebrón, Barcelona. ...
  • University Hospital Quironsalud, Madrid. ...
  • La Fe University and Polytechnic Hospital, Valencia. ...
  • Hospital Clínico Universitario San Carlos, Madrid. ...
  • Hospital Ruber Internacional, Madrid. ...
  • Hospital Quirónsalud Barcelona.
29 Dec 2021

Are there English hospitals in Spain? ›

Triay Medical Centre is an English-speaking private medical centre with 24 hour emergency call out based in San Pedro de Alcantara, Malaga.

Which European country has best healthcare? ›

The Netherlands has topped the rankings in the Euro Health Consumer Index more than once, never slipping below third place in more than ten years.

Who has the best hospitals in the world? ›

The top ten World's Best Hospitals are:
  • Mayo Clinic - Rochester (US)
  • Cleveland Clinic (US)
  • Massachusetts General Hospital (US)
  • Toronto General - University Health Network (Canada)
  • Charité - Universitätsmedizin Berlin (Germany)
  • The Johns Hopkins Hospital (US)
  • AP-HP - Hôpital Universitaire Pitié Salpêtrière (France)
2 Mar 2022

Which country has best free healthcare? ›

Amongst the long list there are free healthcare countries which are ranked for providing the best free healthcare facility.
  • Sweden. Sweden stands atop on the list of free healthcare countries. ...
  • Canada. The next to be on the list of free healthcare countries is Canada. ...
  • Mexico. ...
  • United Kingdom. ...
  • Italy. ...
  • Germany. ...
  • Australia. ...
  • France.

What is the best area to live in Spain? ›

These are the 5 best places to live in Spain:
  • Barcelona.
  • Madrid.
  • Valencia.
  • Málaga.
  • Alicante.
13 Apr 2022

How much does a doctor make in Spain? ›

The average pay for a Physician is €106,070 a year and €51 an hour in Spain. The average salary range for a Physician is between €70,431 and €134,921. On average, a Doctorate Degree is the highest level of education for a Physician.

What is the coldest place in Spain? ›

Calamocha, Teruel, Aragón

In fact, the province of Teruel as a whole, is one of the coldest provinces in Spain, often featuring in the list of places that have recorded the coldest temperatures in Spain. The town of Monreal del Campo twice recorded temperatures of −28° C in December 1963 and January 1971.

What is the average cost of health insurance in Spain? ›

The average price of private insurance for expats in Spain ranges from €100 to €200 per month. The price varies depending on your provider, which plans you pay, and your personal situation. The cost of a basic health insurance plan goes as follows: For a single person in their 30s: €35 ($39)

Are taxes high in Spain? ›

Tax residents of Spain are taxed on their worldwide income at progressive rates. The exact rates vary from region to region. The highest, in the Catalonia and Andalusia regions, are capped at 49%.
Income Tax.
Earnings in Euro (EUR)Rate Applicable to Income Level (%)
4 more rows

Is it a good idea to live in Spain? ›

Spain ranks as the best place in Europe for expats wanting to enjoy life, and second overall, just behind New Zealand. “Rather than living mostly in the expat bubble, experience-hungry expats look for the local culture following their move to the country,” according to the survey.

Can I lose my British citizenship if I live abroad? ›

Voting and citizenship

Your UK citizenship will not be affected if you move or retire abroad.

Do expats get free NHS? ›

The NHS is a residency-based system and so non-UK-residents, including UK nationals who move abroad on a permanent basis lose their entitlement to free NHS healthcare.

Can I see a doctor in Spain? ›

As Spain has world-class medical care, you will be able to see almost any specialist you need. To see a specialist in Spain, you will need a referral from your doctor. With private insurance, you may be able to visit a specialist clinic directly, as long as the clinic is approved by your insurance company.

Do I have to pay for hospital treatment in Spain? ›

All residents in Spain need to register to access healthcare. Once registered for healthcare, basic state services are free, but there are some things that patients need to pay for. For example, you usually have to pay something towards prescriptions – either a reduced price or the full price.

Do British pensioners get free healthcare in Spain? ›

UK pensioner residing in Spain

You will receive medical care in the country where you live as long as you are entitled to medical care in the country you receive your pension from, such as a State Pension or Government Pension. You must apply for the S1 form in the UK when you arrive in Spain.

Do EHIC cards still work in Spain? ›

Get a GHIC or EHIC card if you are holidaying in Spain

The Foreign and Commonwealth Office says: "With an EHIC or GHIC you can get medically necessary treatment in Spain on the same basis as a Spanish citizen. This means that you'll get healthcare services for free or at a reduced cost."

How much pension do I need to retire in Spain? ›

It's possible to retire comfortably in Spain on about $25,000 a year. That breaks down to roughly $2,083 per month. Of course, it is possible to live in Spain on less — $20,000, for instance. This amount would make more sense if you decide to live farther from big cities and lead a more minimalist lifestyle.

What happens to my pension if I move to Spain? ›

Rates of state pension

Your state pension will rise annually, even if you live in Spain as it is within the European Economic Area (EEA).

How much tax will I pay on my pension in Spain? ›

Spanish taxes for non-residents

Investment interest and dividends are taxed at 19%, although are typically lower through double taxation agreements. Interest tax is exempt for EU citizens. Royalties are taxed at 24%. Pensions are taxed at progressive rates, from 8% to 40%.

What happens if you dont have an EHIC card? ›

If you do not have your EHIC or GHIC with you

You'll need to apply for a Provisional Replacement Certificate (PRC) if you need treatment and you do not have your EHIC or GHIC , or your card is lost or stolen abroad. Call the Overseas Healthcare Services. This is part of the NHS Business Services Authority (BSA).

What documents do I need for Spain visa? ›

Required Documents for a Spain Visa Application
  • Visa Application Form.
  • Two biometric photos.
  • Your passport.
  • Copies of passport pages with info.
  • Flight reservation.
  • Proof of accommodation.
  • Medical Insurance.
  • Medical Certificate.

Do you need a EHIC card for Spain? ›

When you travel to Spain you should have either: a European Health Insurance Card ( EHIC ) a UK Global Health Insurance Card (GHIC) travel insurance with appropriate healthcare cover.

Do you need EHIC card? ›

Do I need a Ghic or Ehic card? If you're travelling to any EU country it's important you take a valid Ghic, or an existing Ehic that's still in date, along with you. Anyone travelling with you should take one too. Present the card if you need to use that country's emergency or state medical care services.

Are EHIC cards still valid in 2022? ›

Valid EHICs can still be used by UK nationals living in the UK to get free or discounted medical treatment in EU countries and Switzerland. According to figures from the NHS, 5.6 million EHICs are due to expire in 2022. Ensure yours is valid before you go away – if it's not, you'll normally need to apply for the GHIC.

What happens if I dont have a GHIC? ›

You'll need to pay in full for medical treatment if you do not have an EHIC, GHIC or provisional replacement certificate (PRC).

How long does it take to get a GHIC card in 2022? ›

Your new GHIC card should usually arrive within 10 days from the point of application.

How much bank balance is required for Spain visa? ›

Current immigration guidelines state that you will need at least €96.50 per day you will be in Spain, with a minimum amount of €865.50 (or equivalent in another currency).

Does embassy check bank statement? ›

Embassies will not resort checking the bank statement, it may not be their job. They take the documents on their face value in good belief. However if any of the evidences turns to be fake then they may resort to all sort of investigations.

Which is the most difficult visa to get? ›

Hardest countries to get a visa
  • North Korea.
  • China.
  • Russia.
  • Saudi Arabia.
  • Bhutan.
  • Pakistan.
  • Nigeria.
  • Turkmenistan.

Can I see a doctor in Spain as a tourist? ›

It is not usually necessary for tourists to be able to speak Spanish when they see a doctor. Doctors in private practices often speak English, especially at popular tourist resorts such as Mallorca. This is convenient for travellers, but it can be costly.

What do you do if you make a mistake on Spanish locator form? ›

What to do if I make a mistake on the FCS form to travel to Spain? #shorts

Can I take prescription medication to Spain? ›

As a rule, you should only be carrying up to 3 months worth of medication. Any more and you may need to apply for a licence from the Spanish Agency of Drugs and Health Products (AEMPS). Note also that according to the UK government website, there are “some products prescribed for health conditions with you into the EU.

What's the difference between GHIC and EHIC card? ›

What's the difference between an EHIC and GHIC? The EHIC covers the 27 countries in the EU, plus Norway, Iceland, Liechtenstein and Switzerland. However, the GHIC just covers the 27 EU countries. If you still have a valid EHIC, since 1 January 2021 it has stopped covering Norway, Iceland, Liechtenstein and Switzerland.

Can I travel without a GHIC card? ›

If you're abroad and do not have your card with you

You can get a Provisional Replacement Certificate (PRC) to prove your entitlement to medically necessary healthcare if you travel to Europe without your existing EHIC, UK GHIC or new UK EHIC and need treatment during your visit.

Who is entitled to a GHIC card? ›

nationals from the EU, Norway, Iceland, Liechtenstein or Switzerland who started living in the UK before 1 January 2021, and their families. some British State Pensioners who started living in the EU, Norway, Iceland, Liechtenstein or Switzerland before 1 January 2021, and their families.


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