Health insurance in Spain: compare and choose the right plan
Get into Spanish private healthcare with the cover that fits you best. Free, independent comparison with no obligation.
The private health insurance market in Spain
Spain has one of the most respected public health systems in the world. Even so, more than 11 million people here top it up with private health insurance. The reasons are clear:
- Fast access to specialists: Appointments in days, not weeks or months.
- Immediate diagnostic tests: Without the usual public-system waits.
- Freedom of choice: Pick your doctor and your hospital.
- Comfort: Private hospitals with private rooms and premium services.
- Complementary cover: Services the public system doesn't cover, or covers only partially (dental, psychology, physiotherapy).
Types of health insurance available in Spain
By level of cover
| Type | Copayments | Cover | Guide price |
|---|---|---|---|
| Basic | Yes | Primary care + specialists + diagnostics | From €30/month |
| Essential | Moderate | Wide + hospital stays | From €50/month |
| Complete | No | Comprehensive, no copayments | From €80/month |
| Premium | No | Everything + reimbursement + dental + international | From €120/month |
By who it's for
- For families: With paediatric and maternity cover.
- For over-60s: Adapted to the needs of later life.
- For foreign residents: Valid for residence permits, with no waiting periods.
- For self-employed workers: Flexible, with quick access to appointments.
How to choose the best health insurance in Spain
1. Work out what you need
How much will you use it? Occasional appointments or regular care? Do you need maternity, dental or international cover?
2. Set your budget
How much can you spend each month? Remember to work out the total cost (premium plus estimated copayments).
3. Compare the cover
Don't stop at the price. Two policies can cost the same and offer very different cover.
4. Check the medical network
Make sure there are good centres and specialists near where you live.
5. Watch the waiting periods
If you need a particular benefit soon (surgery, maternity), check the waiting periods before you commit.
How much does health insurance cost in Spain?
The price of private health insurance in Spain comes down mainly to three things: the age of the person insured, the cover chosen and the province you live in.
| Situation | Monthly price range |
|---|---|
| Young adult (20-30) | €25 - €80 |
| Adult (30-45) | €40 - €120 |
| Adult (45-60) | €60 - €180 |
| Older adult (60-70) | €100 - €280 |
| Family (2+2) | €120 - €350 |
Prices are indicative and vary by plan and location.
Why use a comparison site
- See every option on the market in one place.
- Save time and money.
- Get recommendations matched to your situation.
- No obligation to buy.
- Free expert advice.
Find your health insurance in Spain today
Our comparison tool goes through the best options on the market and recommends the right plan for you. Free, fast and with no obligation.
Got questions? Talk to our advisers — we're here to help.