Health insurance for the self-employed: look after your health, protect your business
When you work for yourself, your health is your most valuable asset. Get specialists with no waiting, telemedicine and tax advantages. From €40/month.
Why does a self-employed worker need private health cover?
When you work for yourself, being ill doesn't just affect your health: it affects your income. Public waiting lists can mean weeks without a diagnosis and without treatment — weeks in which your business suffers.
Private health cover gives you:
- Appointments in days, not months: See a specialist this week, not in three months' time.
- Fast diagnoses: Tests and results within days.
- Telemedicine: Speak to a doctor between meetings, without going anywhere.
- A faster return to work: Immediate treatment so you recover sooner.
Tax advantages for the self-employed in Spain
Income tax relief
As a self-employed worker (autónomo), you can deduct your health insurance premiums on your income tax return:
- Up to €500 a year for yourself.
- Up to €500 a year for your spouse.
- Up to €1,500 a year for each person with a disability.
That means your health cover can work out significantly cheaper thanks to the tax saving.
A worked example
If you pay €60/month for your cover (€720 a year), you can deduct €500 on your tax return. If your marginal rate is 30%, the real saving is €150, which brings the effective cost of your cover down to around €47/month.
The cover a self-employed worker needs most
Essentials
- Fast primary care: No waiting for general appointments.
- Specialists without delay: Orthopaedics, cardiology, gastroenterology and so on.
- Immediate diagnostic tests: So you get answers quickly.
- 24h A&E: Immediate care any day of the year.
- Telemedicine: Appointments without losing half a working day.
Strongly recommended
- Physiotherapy: Especially if your work is physical or very sedentary (back and neck problems).
- Mental health: The stress of working for yourself is real. Access to a psychologist without waiting is an investment in your productivity.
- Preventive check-ups: Better to prevent than to cure. Annual checks catch problems early.
Worth considering
- Dental cover: If you don't have it elsewhere, it can be a good addition.
- Hospital cover: In case you need a procedure, so you can choose your hospital instead of waiting.
Which type of plan suits a self-employed worker?
If your budget is tight
Essential plan with moderate copayments (from €40/month). Covers the essentials with low copayments. Ideal if you only see a doctor occasionally.
If you want maximum peace of mind
Complete plan with no copayments (from €70/month). See a doctor whenever you need to without thinking about extra costs.
If you want maximum flexibility
Premium plan with reimbursement (from €110/month). Choose whichever doctor you want, whenever you want, and claim the cost back. Dental and travel cover included.
Guide prices for the self-employed
| Age | Plan with copayments | Plan without copayments |
|---|---|---|
| 25-35 | €35 - €55 | €60 - €90 |
| 35-45 | €45 - €70 | €75 - €115 |
| 45-55 | €60 - €95 | €90 - €150 |
Guide monthly prices. Remember the tax relief of up to €500 a year.
Protect your health and your business with the right cover
Compare health insurance for self-employed workers and find the plan that gives you fast access to private healthcare, tax advantages included.
[Compare plans for the self-employed →]
Want to work out what it would really cost you after tax relief? Ask our advisers.