Choosing the right health insurance in Spain for expats, retirees and students is crucial to getting the best medical attention and value for money.
What to Look for When Choosing a Health Insurance Company
There are several factors to consider when deciding which health insurance company to choose.
Coverage Options
Pay attention to the different coverage options, according to your age, personal situation and specific needs. Typical coverage often includes hospitalisation, emergency services, appointments with specialists, and other features.
Consider policies that provide comprehensive coverage for both routine and emergency healthcare to make sure you are protected in all situations.
Visa and Residency Requirements
For expatriates in Spain, certain visas require specific health insurance policies.
Many health insurance providers offer specific plans that specifically meet these requirements but, in any case, it is strongly recommended to always ensure the policy of your choice complies with the visa or residency needs before purchasing.
Multilingual Customer Service
For those who may not speak Spanish fluently, finding an insurer that offers customer service in multiple languages is crucial to accessing their services.
Currently, many top insurance companies, such as DKV, Adeslas or Allianz, provide multilingual assistance to ensure all their clients can effectively communicate their health needs and fully understand their coverage.
Top Health Insurance Companies in Spain Available Through Just Insurance
At Just Insurance, we work with the major health insurance companies in Spain and pay special attention to the features that meet expats’ needs.
Adeslas
As one of Spain’s largest health insurers, Adeslas offers a wide variety of coverage options for expatriates and special policies designed to apply for residency permit in Spain.
Allianz
Being one of the top insurance companies renowned worldwide Allianz offers health insurance coverage at reasonable prices, offering options with and without copayments.
ASISA
Asisa stands out for its personalized care, comprehensive coverage, and focus on wellness with easy access to top healthcare providers and competitive pricing.
AXA
Being one of the top international insurers, AXA offers various health plans adapted to your needs: policies with cover at collaborating hospitals, free choice of hospitals worldwide with reimbursement of medical expenses, policies with and without co-payments, special discounts for families.
DKV
DKV is renowned for its comprehensive cover and the least number of procedures subject to waiting periods (which normally apply when you take out your first private health insurance in Spain). Their excellent customer service and vast network of private hospitals make them one of the leading health insurance providers in the country.
Generali
Generali provides personalised health insurance plans with access to an extensive network of private hospitals and clinics, tailored to fit different budgets and healthcare needs.
Mapfre
Mapfre is one of the largest insurance providers in Spain, offering a wide range of personalised health plans.
Salus
Salus is known for its flexible plans adapting to the needs of individuals and families, ensuring access to quality medical care. The company offers special packages for foreigners applying for residency permit.
Sanitas
Sanitas is one of the top private healthcare insurance companies in Spain, with a large network of private hospitals and clinics and various options of cover adopted to the client´s needs.
Factors to Consider When Comparing Health Insurance Plans
Now that you have the information on the major insurance companies, it is time to take note of the factors to consider when comparing different plans.
Cost and Value for Money
Comparing prices between health insurance providers is key to finding a plan that fits your budget. Many insurers offer affordable health insurance options for expatriates, but the value of the coverage should be considered, rather than just the price.
Waiting Periods and Deductibles
You must understand the waiting periods and co-payments to find the right plan. Some treatments or specialist visits may require a waiting period before they are covered, and deductibles can lead to unexpected costs.
Extra Benefits and Repatriation Services
Additional covers offered by some insurers such as dental care, mental health services, and repatriation options can be especially interesting for expatriates who might need to return to their home country.
Health Insurance for Specific Groups
Best Insurance for Retirees in Spain
The best health insurance plans for retirees in Spain are the ones that offer extensive medical cover at affordable prices.
At Just Insurance, we can help you understand all the options and the differences between them, according to your age, location, residency situation and specific needs, to choose the best company.
Insurance for International Students in Spain
International students often look for affordable, easy-to-access health insurance. Just Insurance is the perfect ally for these cases because, with our extensive knowledge of the market, we can help you find the right policy, balancing budget and coverage.
