Private Health Insurance
In Spain
Living in Spain is great. But the healthcare system can be confusing, especially if you’re not part of it yet.
Maybe you’re self-employed, or waiting for residency,
or just don’t want to rely on long waiting lists in the public system.
The question we hear all the time:
“What kind of health insurance do I actually need in Spain?”
Testimonials
Top-Rated Insurance Advice You Can Trust
Don’t believe us, believe our clients.
Making Private Health Care
Easy and Accessible
We help you get the right private health insurance in Spain. Quick, hassle-free, and with peace of mind, especially for non-Spanish speakers or those avoiding long waits.
Benefits:
- No Spanish paperwork
- Clear, expert advice
- Fast, hassle-free process
- Complete application management
- Policy setup and insurer contact
- Support with future claims
Why Choose Us?
- No half advice
- No call centres
- Personalized guidance
- Support tailored to your situation
Frequently Asked Questions
Do I need private health insurance in Spain?
Private health insurance is the best – or sometimes even the only – way to get access to healthcare. It’s also required if you apply for certain visas or residencia.
Can I switch if I already have health insurance in Spain?
Yes. In most cases, we can help you switch providers at renewal time – without any gap in coverage. We’ll also check if there are better conditions or pricing available for your profile.
Is private insurance accepted for residency applications?
Yes – but not every policy. Spanish immigration requires full coverage without co-payments (sin copago) and with full hospitalisation. We’ll help you choose a policy that meets those requirements exactly.
Is there a waiting period before I can use the insurance?
Basic services like GP visits and emergencies are usually covered from day one. For the rest, most insurers have a waiting period of 6 months for planned surgeries and certain specialist treatments.
We’ll tell you exactly what applies before you sign anything.
Can I make a claim through you?
Yes. We don’t just help you get insured – we also help when something happens. Need to make a claim? We’ll guide you through it. In English. With one contact person.
Can I choose my own doctors or clinics?
Yes, although it depends on the policy. Some plans give access to a specific network; others allow you to pick any doctor and get reimbursed. We’ll help you choose the setup that fits you best.
Is a medical exam required?
No physical exam, but most insurers require a health declaration. It’s a short form where you indicate any pre-existing conditions. Based on that, the insurer accepts or proposes a modified premium.
We help you fill it out properly.
Can I include my partner or children?
Yes. Family policies are common and often cheaper per person. We help you compare single vs. family cover so you only pay for what you actually need.
Is English-speaking medical staff guaranteed?
Some clinics have English-speaking doctors; others don’t. If this is important to you, we’ll make sure the insurer’s network near you includes English-speaking professionals.
And with us as your contact, you’ll never need to call the insurer in Spanish.
What does it cost?
It’s a lot cheaper than in for example the UK or The Netherlands. Most clients pay between €45 and €85 per month per adult, depending on age, policy type, and whether co-payments are included.
We’ll give you a transparent price upfront – no hidden fees.
Raising the Standard of Service
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Dental, physio, and mental health usually included no extras.
- English app and support for non-Spanish speakers.
Zurich
Solid cover in and outside of Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Trusted by families and long-term residents.
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, including smaller towns
- See any doctor with up to 90% reimbursement.
- Reliable, efficient, and trusted by both locals and expats
Asisa
Spain’s largest medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
You're in good hands
AECE
Accredited Membership
Agencia Tributaria
Official Collaboration
G2
Financial Services Verified
Odoo
Gold Accounting & Finance Partner
Get in touch
Everyone here at Exactly is dedicated to helping you start your SL business in Spain quickly and professionally.
Send an e-mail: support@exactly.es
Call us: +34 9650 20262
Visit our office :
