Private Health Insurance in Spain
- Non-binding quote within 24 hours
- Best offer from national + international insurers
- Your policy explained in English
- Direct insurance. No increased premiums.
- Claims handled in English
Real contact persons instead of a hotline
Insurance is a matter of trust. That is why we advise you in person – in five offices across Spain, in plain English. And when it matters, we are right by your side.
What does private health insurance cost in Spain?
Your premium depends mainly on your age when you take out the policy and on the scope of cover. The following values are guide values per month. We will give you your exact premium in your personal quote.
| Age | Premium per month (approx.) | Note |
|---|---|---|
| 20 to 35 years | 40 to 70 euros | Cheapest age group |
| 35 to 50 years | 60 to 100 euros | Standard range |
| 50 to 65 years | 90 to 160 euros | Premiums rise noticeably |
| 65 to 75 years | 150 to 250 euros | Many tariffs accept applicants up to age 75 |
Non-binding guide values, not a quote. Your actual premium depends on the insurer, the tariff and your personal details, among other things, and only becomes binding in your personal quote.
The table shows guide values for the Spanish market. With the tariffs we arrange, premiums start at 55 euros per month. A tariff with worldwide cover and free choice of doctor and hospital costs from 105 euros per month.
The public alternative for residents without other cover is the Convenio Especial. It costs around 60 euros per month up to age 64 and around 157 euros from age 65, and the amounts are adjusted every year. It requires the Residencia and at least one year of uninterrupted residence in Spain. It is therefore not suitable for getting started, because you already need private health insurance for the Residencia application.
Private or public: comparing the benefits
| Benefit | Public (SNS) | Privately insured |
|---|---|---|
| Choice of doctor | Assigned family doctor at the Centro de Salud | Free choice from a large network of doctors |
| Waiting time for specialists | On average around 100 days | Usually a few days |
| Access to specialists | Only with a referral from the family doctor | Direct, without a referral |
| Hospital | Assigned public hospital | Free choice among private clinics, single room with a companion |
| Dental treatment | Emergencies and extractions only | Depending on the tariff, often as an add-on |
| Language | Spanish, rarely English or German | English-speaking specialists can be chosen |
| Billing | Through social security | Direct billing with contracted doctors and hospitals, no advance payment |
Enrolment, waiting periods and pre-existing conditions
| Question | Answer |
|---|---|
| Maximum age at enrolment | Up to age 75 with many tariffs |
| Waiting period when switching from another private health insurer | None |
| Waiting periods for new policies | Depending on the tariff, often 6 to 12 months for pregnancy and 3 to 6 months for operations |
| Pre-existing conditions | Can be insured, possibly with a premium surcharge or an exclusion. The insurer decides in each individual case. A current medical report with the application helps. |
| Insurers compared | Including AXA, Allianz, DKV, Sanitas, Adeslas and FIATC |
Questions and answers
The questions residents ask us most often.
Is private health insurance cheaper in Spain than in Germany?
As a rule, yes. Private health insurance costs from 55 euros per month. Would you like worldwide protection with free choice of doctor and hospital? Such insurance costs from 105 euros per month.
Do I have a waiting period when I change my health insurance?
If you come from a private health insurance, you have no waiting periods.
How do I join a private health insurance scheme?
A standardised application form must be completed. Questions about your current state of health are also asked. Then the insurance company decides under which conditions you will be accepted. You then decide whether or not to accept the insurance.
Are pre-existing conditions also insured?
Yes, pre-existing conditions can be insured. Each case is individual, we recommend to enclose a current medical report with the application.
Up to what age can I still be included in a health insurance policy?
Up to 75 years.
Insurance options
Depending on insurer and tariff, these benefits are available:
- Wide range of associated doctors, specialists and clinics without language barriers
- Worldwide cover with reimbursement
- Worldwide travel-insurance inclusive
- Low premiums and premium stability
- Hospitalization in single-bedroom with companian
- 24h emergency hotline
- Coverage for: in-patient, out-patient, GP/family doctor, specialists, emergency room, Medication and medical aids, Homeopathy, Fisiotherapy, Check-ups, Special conditions with associated dentists
The exact scope of cover differs by insurer and tariff. We compare for you and explain the differences in plain language.
Taken for granted at Göring
Five promises you can rely on with every enquiry:
- Non-binding quote within 24 hours
- Best offer from national + international insurers
- Your policy explained in English
- Direct insurance. No increased premiums.
- Claims handled in English
Your quote within 24 hours
Non-binding, free of charge and explained in plain English. Start now – or simply call us.
Or by e-mail: info@goring-online.com