Health insurance is a must for retired expats who want to live in Spain with peace of mind, knowing that they are protected in the event of any unforeseen circumstances.
Spain’s public healthcare system is world-renowned for its outstanding quality, a fact that does not go unnoticed when it comes to choosing the country as a retirement destination.
However, understanding the different options in health insurance for expats in Spain, either public or private, is essential to make sure that everything is properly planned when coming to live in Spain.
Understanding the Spanish Healthcare System
Public Healthcare (Sistema Nacional de Salud – SNS)
Spain’s public healthcare system, called Sistema Nacional de Salud (SNS), offers universal coverage and it is free for Spanish citizens and some residents under certain circumstances.
Most expats are required to get private health insurance policies to reside in the country. A private policy usually means avoiding waiting times for certain treatments or tests, as well as being able to choose medical specialists and centers.
Private Healthcare and its Benefits for Expats
Private healthcare is a good option for those who seek personalised services and want to get fast appointments with specialists.
Usually, private healthcare facilities in Spain are top-tier, with modern equipment and some centres might even have English-speaking doctors available.
You can find affordable health insurance in Spain, where prices may vary depending on the kind of coverage you choose, from outpatient to comprehensive coverage.
How Retired Expats Can Access Healthcare in Spain
The most straightforward way to access healthcare in Spain as an expat is to take out a private health insurance policy.
At Just Insurance, we are expert brokers who have a deep knowledge of the insurance market, as well as the different healthcare options for expats in Spain, so we can help you find the one that meets your needs.
Why Health Insurance is Essential for Retired Expats
If you are considering moving to Spain after retirement, getting the best health insurance is essential.
Making sure you have access to the best medical attention is an indispensable thing to do even before making your decision.
Key Considerations When Choosing Health Insurance
There are some critical factors to keep in mind when looking for the best health services for expats in Spain. These include:
- Coverage. You must make sure that the plan you choose covers the essential services you need, such as hospital stays, specialist consultations, and prescriptions.
- Cost. Consider the different payment options insurance providers might offer, such as yearly premiums or copays. This will help you find a balance between your medical needs and your budget.
- Network of providers. Check the hospitals and clinics in your area and make sure your insurance provider gives you access to a wide and convenient healthcare network.
- Age limits. While some providers have age restrictions for comprehensive coverage (usually up to 75 years), some plans offer the option of coverage with copayments for older insurance takers.
- Special products for the elderly. Companies usually offer special products for the elderly. These are not comprehensive, so they help reduce major expenses. If you are planning to move to Spain after retirement, it is strongly recommended to arrange health insurance before turning 75.
The Role of Pre-Existing Conditions
If you have pre-existing health conditions, you must check how they fit into your policy. You can find in our blog some detailed information on how pre-existing conditions affect health insurance in Spain.
Comparing Health Insurance Providers
Several health insurance providers in Spain offer healthcare plans for expats, such as Sanitas, Adeslas, DKV Seguros, SegurCaixa Adeslas, and AXA Spain.
At Just Insurance, we work closely with these top providers to help you find the best option that matches your needs and preferences.
Legal Requirements and Administrative Steps
Considering you are planning to join the expat community in Spain, the first step is to make sure you understand and meet the legal requirements to legally reside in the country.
Then, you will have to complete some administrative processes, including the following:
- NIE (Número de Identificación de Extranjeros) or passport. You need to apply for your own Spanish ID, called NIE, meaning Foreigner Number of Identification. This is mandatory to complete any administrative processes, including getting any kind of healthcare. Some insurance companies also accept passports.
- Health Insurance in Spain While Applying for Residency. Expats applying for residency must show proof of adequate health insurance coverage. EU residents can get temporary coverage in Spain with their European Health Insurance Card (EHIC), while people from other countries have to take out private insurance or check for bilateral health agreements between their country and Spain.
Regional Insights: Healthcare in Popular Expat Destinations
You will find great health services for expats in Spain all across the country, but bigger and medium cities are the most popular expat destinations –such as Alicante, Costa del Sol, Valencia, Madrid or Barcelona– and have excellent healthcare facilities.
Tips for Managing Healthcare in Spain as a Retired Expat
The key to getting the best health insurance plan for your particular situation is to find a reliable partner that guides you through the process.
At Just Insurance, we know bureaucracy is especially hard in a different language, so we provide our expat clients with the best assistance possible with English-speaking agents that make the process way easier for you. Get in touch and enjoy your life in Spain knowing everything is taken care of!
