Best Health Insurance for Expats in Spain (2025)
Thinking about moving to Spain? Whether you're applying for a Non-Lucrative Visa, Digital Nomad Visa, or just want peace of mind while living abroad — having the right health insurance is not just a box to tick, it’s essential.
At HealthsInsuranceForSpanishVisas.com, we connect expats with trusted brokers offering compliant, competitively priced health insurance from top providers in Spain.
Why You Need Private Health Insurance in Spain as an Expat
Spain’s healthcare system is top-tier — but not all expats qualify for public coverage right away. In fact, most visa applicants must prove they have private health insurance that meets strict consulate standards:
✅ No co-payments (sin copago)
✅ No waiting periods
✅ Full coverage in Spain
✅ Emergency and hospitalization coverage
✅ Repatriation included (in most cases)
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Whether you're a retiree, remote worker, student, or entrepreneur, the right policy ensures you're protected from both medical surprises and visa setbacks.
How We Evaluate Health Insurance Plans for Expats
Our broker network and team of relocation experts have reviewed dozens of insurance options based on what matters most to expats:
✅ Visa compliance
✅ Pricing transparency
✅ Age eligibility
✅ Customer service in English
✅ Coverage across Spain
✅ Extra benefits (dental, travel coverage, etc.
💡Tip: Different consulates sometimes have different interpretations of what “visa compliant” means. Our brokers can guide you through the right match based on your visa type and location.
Top Health Insurance Providers for Expats in Spain (2025)
Below are some of the most popular choices among our users, available through our trusted brokers:
ASSSA
💶 From €55/month
🔹 Best for older expats (up to 79 yrs)
👉 [Get Quote]
Asisa
💶 From €49/month
🔹 Best balance of price & coverage
👉 [Get Quote]
Adeslas
💶 From €49/month
🔹 Largest medical network in Spain
👉 [Get Quote]
DKV
💶 From €76/month
🔹 Most extensive provider network
👉 [Get Quote]
Sanitas
💶 From €50/month
🔹 Best for tech-savvy expats
👉 [Get Quote]
Quick Breakdown: Which Health Insurance is Best for You?
ASSSA – Great for Retirees
✔ Accepts new clients up to age 79
✔ Lifetime premium options
✔ In-person offices with multilingual support
❌ Not available in Seville, Cádiz, Balearic Islands, or Basque Country_
Asisa – Reliable & Affordable
✔ Visa-compliant policies for all major visa types
✔ Emergency coverage worldwide
✔ Excellent for families
❌ Does not include repatriation by default
Adeslas – Spain’s Favorite
✔ Visa-compliant policies for all major visa types
✔ Emergency coverage worldwide
✔ Excellent for families
❌ Does not include repatriation by default
🔹 Sanitas – Spain’s Health Tech Leader
✔ Telemedicine, apps, and 24/7 digital care
✔ Strong dental and emergency travel coverage
✔ Popular among younger professionals and families
❌ Some waiting periods for select treatments
Private vs Public Insurance in Spain
Visa compliance
✔️ Private Insurance: Yes
❌ Public Insurance (SNS): No
Immediate access to care
✔️ Private Insurance: Yes
⏳ Public Insurance (SNS): Delays possible
English-speaking support
✔️ Private Insurance: Often
❌ Public Insurance (SNS): Rare
Dental coverage
✔️ Private Insurance: In most cases
❌ Public Insurance (SNS): Not included
Cost
💶 Private Insurance: From €45–€85 per month
💶 Public Insurance (SNS): Based on your income
Tips for Choosing the Right Insurance Policy
✔ Check visa requirements (varies by consulate)
✔ Compare waiting periods and exclusions
✔ Make sure repatriation is included
✔ Ask about English-speaking doctors near your future home
✔ Look for guaranteed renewals if you plan to stay long-term
FAQ: Health Insurance for Expats in Spain
Is health insurance mandatory for my visa?
Yes — most long-stay visa types require private, fully comprehensive health insurance.
Can I use public healthcare instead?
Only if you're employed and contributing to social security in Spain.
Does my European Health Insurance Card (EHIC) count?
Not for visas — EHIC covers emergencies only and is not valid for residency applications.
What’s the average cost of expat health insurance in Spain?
Expect to pay between €45 and €85/month for visa-compliant policies with no copayments.
Can I switch providers later?
Yes, but be aware of new waiting periods. Our brokers can help with smooth transitions.
Get Your Free Personalized Quote
Finding the best expat insurance shouldn’t be a headache. That’s why we work with licensed brokers who understand both healthcare and immigration in Spain.