Best Health Insurance for Expats in Spain (2025)

/
woman-doing-yoga

Moving to a new country like Spain comes with its challenges, and as an expat, one of the most crucial tasks you'll face is navigating the healthcare system and securing the right health insurance.

Having lived through this process myself, I know how overwhelming it can be to sift through countless options while trying to meet legal requirements and ensuring you're covered in case of emergencies.

How I evaluate best health insurance companies for Spain:

Before recommending any provider, I use a detailed assessment based on key factors that matter most to expats:

✅ Comprehensive coverage: Does the plan include emergency care, hospitalizations, general medicine, and specialist visits?

✅ Customer support & accessibility: How easy is it to get assistance in English or other languages?

✅ Cost & value for money: Does the plan offer good value for its price? I evaluate premiums, coverage limits, and whether policies include no-copayment or low-deductible options to avoid unexpected costs.

✅ Visa & residency suitability: Many expats, especially non-EU nationals, need insurance that meets Spanish visa requirements (such as coverage with no waiting periods). I highlight providers that cater to this need.

Best Health Insurance for Expats

Some of the best medical insurance providers in Spain include: Adeslas, Sanitas, DKV, Feather and Asisa.

For non-EU expats, securing private health insurance is non-negotiable when applying for a visa.

Even for my fellow expats from EU countries, while you're covered under public healthcare, I found having private insurance to be a lifesaver, especially for faster services. This became particularly invaluable when I was pregnant and needed timely medical care.

Insurance Company Starting Monthly* Cost Get a Quote
Adeslas 39€ Get Quote
DKV 76€ Get Quote
Asisa 49€ Get Quote
Feather 50€ Get Quote
ASSSA 55€ Get Quote
💡COMING TO SPAIN RECOMMENDATION: For affordable private healthcare with one of the largest networks in Spain, Asisa is a top choice for expats.

  1. Adeslas: Best Value for the Money

Through my detailed assessment of health insurance providers for expats, Adeslas consistently stood out in several key areas that matter most for expats in Spain. Here’s what my research revealed:

✅ Best for:

✔ Non-EU expats applying for a Non-Lucrative Visa, Golden Visa, or Student Visa who need a compliant health insurance plan.
✔ Those looking for a well-priced, widely accepted provider with comprehensive medical coverage.
✔ Expats up to the age of 70 – Adeslas covers applicants until their 70th birthday, making it a strong option for retirees who meet this age limit.
✔ Expats who want a fully Spanish insurer with English-speaking support.

❌ Consider Alternatives If:

❌ You are over 70 years old – Adeslas does not accept new applicants over 70, so older expats should consider alternatives like ASSSA, which insures up to 79 years old.
❌ You require repatriation coverage (many visa applications demand this; check with your consulate).
❌ You need international coverage (Adeslas covers Spain but excludes your home country and travel within Spain).
❌ You prefer an insurer with full online signup in English (Feather or other international insurers may be better).

⚠️ What you should know about Adeslas limitations

While Adeslas offers solid value, there are a few concerns noted on Reddit and Trustpilot:

  • Some users reported that certain public hospitals and ERs don’t accept Adeslas, which can be an issue in emergencies.
  • A few reviews mentioned problems with repatriation services, with one user saying Adeslas refused to transfer their daughter for necessary care abroad.

2. DKV: Best Provider Network

Through my research and evaluation, DKV emerged as one of the top choices for expats in Spain, particularly for those seeking extensive network coverage and comprehensive health benefits. Here's what I found when assessing DKV's expat insurance offering:

✅ Best for:


✔ Expats needing a visa-compliant health insurance policy that meets all Spanish consulate requirements.
✔ Those looking for an extensive provider network, ensuring access to medical professionals anywhere in Spain.
✔ Expats who prioritize unlimited coverage and want no hidden costs (no copayments, no waiting periods).
✔ Those who need repatriation coverage included in their policy.

❌ Consider Alternatives If:

❌ You are over 39 years old – DKV does not accept new applicants above this age. Older expats should consider Adeslas (up to 70) or ASSSA (up to 79).
❌ You don’t have a Spanish bank account yet—some DKV policies may require one.
❌ You’re looking for the cheapest option—DKV’s plans start at 76€/month, which is higher than some budget-friendly providers.
❌ You need international coverage that includes Spain and your home country—DKV’s policies focus on coverage within Spain only.

⚠️ What you should know about DKV limitations

While DKV provides solid coverage, there are a few concerns to be aware of:

  • Customer Service Issues: Several users reported poor customer service, including difficulties in canceling policies even after leaving Spain, leading to frustration and prolonged charges.
  • Expats in smaller towns have mentioned challenges in finding dental practices that accept DKV insurance, especially after a provider has closed or relocated.
  • A few reviews highlighted concerns around DKV's policy on pre-existing conditions.

👉 Click here to read more reviews and see why DKV might be the right choice for you!

3. Asisa: Flexible Healthcare Network Access

✅ Best for:

✔ Non-EU expats applying for a Non-Lucrative Visa, Digital Nomad Visa, Golden Visa, or Student Visa who need a compliant health insurance plan.
✔ Expats looking for a budget-friendly provider – Plans start at 49€ per month, making Asisa one of the more affordable options.
✔ Those needing nationwide coverage with multilingual customer support for a hassle-free healthcare experience.
✔ Expats up to 69 years old – Asisa covers new applicants until their 69th birthday, making it a solid option for mid-life and retired expats.
✔ Those who want international travel coverage included – Asisa offers worldwide emergency medical coverage, making it ideal for frequent travelers.

❌ Consider Alternatives If:


❌ You require repatriation coverage – This is often a visa requirement, and Asisa’s standard policies do not include it.
❌ You need international coverage beyond emergency travel protection – Asisa covers global travel emergencies but does not include full international healthcare.

⚠️ What you should know about Asisa limitations

While Asisa provides broad coverage, there are a few concerns to keep in mind:

  • Several users expressed dissatisfaction with customer service, leaving them frustrated with the overall experience.
  • Some reviewers noted that fewer doctors and hospitals are accepting Asisa, which can limit access to preferred healthcare providers.

👉 Click here to explore detailed reviews and see why Asisa is trusted by expats!

4. Feather: Easy Application Process

Feather emerged as an ideal solution for expats needing fast, reliable health insurance that meets visa or residence permit requirements. Not only does Feather offer comprehensive coverage, but it also provides strong support tailored specifically to expats in Spain.

✅ Best for:


✔ Those looking for a fully online signup process in English – Feather is 100% digital, with no paperwork required.
✔ Expats who prioritize ease of access – Feather offers a modern, app-based experience with policy management and customer support in English.
✔ Expats who need visa-compliant repatriation coverage included in their policy.

❌ Consider Alternatives If:

❌ You prefer an insurer with physical offices – Feather operates entirely online, so if you value in-person customer service, you may prefer Adeslas, Asisa, or ASSSA.
❌ You want the lowest-cost option – Feather is slightly more expensive than some local insurers, but its English-friendly, digital-first approach justifies the premium.
❌ You require international coverage beyond Spain – Feather’s basic health insurance is valid only in Spain. If you need full global health coverage, you may need a different policy.

⚠️ What you should know about Feather limitations

While Feather offers strong expat-focused health insurance, there are a few concerns to be aware of:

  • Some users reported being charged before their policy start date, causing frustration, especially when they were still covered by a previous policy.
  • A few reviewers expressed disappointment with Feather's lack of support, mentioning that they received no help with claims in several cases.

👉 Click here to read expat reviews and see if Feather is the right choice for you!

5. ASSSA: Flexible Coverage Period

Based on my evaluation, ASSSA distinguishes itself as a compact yet highly effective insurance provider, particularly for expats. What sets ASSSA apart is its accommodating policies, including coverage for expats up to the age of 79 — the highest age limit I found in the industry during my research.

✅ Best for:

✔ Expats applying for a Non-Lucrative Visa, Digital Nomad Visa, Golden Visa, or Student Visa who need a policy meeting official requirements.
✔ Those looking for fixed premiums – your price won’t increase due to age, unlike many other providers.
✔ Expats over 65 or even 70+ years old who may struggle to find coverage elsewhere (ASSSA insures applicants up to 79 years old).
✔ Those who want in-person multilingual support—ASSSA has physical offices along the Spanish coast, making it easier for expats to get assistance in their language.

❌ Consider Alternatives If:

❌ You live in the Balearic Islands, Basque Country, Cádiz, or Seville – ASSSA does not provide coverage in these areas.
❌ You require repatriation coverage—this is often a visa requirement, and ASSSA’s standard policies do not include it.
❌ You prefer a fully digital experience—unlike online-focused insurers like Feather, ASSSA relies on in-person offices for service and documentation.

⚠️ What you should know about ASSSA limitations

While ASSSA offers comprehensive coverage, there are a few concerns you should be aware of:

  • Several users reported that ASSSA refused to cover treatments, even with medical documentation, citing pre-existing conditions not covered by the policy.
  • Some reviewers mentioned that ASSSA's processes are complicated and time-consuming, requiring multiple visits to doctors and leading to delays in receiving necessary care.

👉 Click here to explore expat reviews and find out if ASSSA is right for you!

Best Health Insurance for Expats in Spain Recap

Feature ASSSA Insurance Asisa DKV Feather
Maximum Age at Policy Inception 79 70 39 74
Lifetime Premium Available Yes No No No
Cover Pre-Existing Conditions Minor Conditions Yes* Yes* No
Cover for Life Yes No No No
Travel Assistance €15,000 for stays up to 90 Days €12,000 for stays up to 90 Days €20,000 for stays up to 180 Days TBC
Dental Coverage Basic Cover Included, Options for Comprehensive Basic Cover Included, Options for Comprehensive Basic Cover Included, Options for Comprehensive No
Policy & Assistance in English Yes Yes Yes Yes
Spain-Wide Coverage Not available in Balearics, Basque Country, Seville & Cadiz Yes Yes Yes
Get a Free Quote Get Quote Get Quote Get Quote Get Quote

How To Choose Health Insurance in Spain

If you're wondering how to choose the best private health care in Spain, here’s what you should double-check before making your final decision:

  • Visa Compatibility: Make sure the insurance is recognized for your specific visa application—whether it's for a Student Visa, Non-lucrative Visa, or even Spain’s Digital Nomad Visa, and for obtaining or renewing an NIE card.

  • Coverage Area: Confirm that the insurance has a strong network in the city or region where you'll be living.

  • Comprehensive Coverage: Choose plans that cover everything from emergencies and routine visits to diagnostic tests, all types of surgeries, and hospitalizations.

  • Financial Limits: I recommend opting for plans with unlimited financial coverage to avoid any unexpected expenses.

  • Co-payments and Deductibles: Check if there are any co-payments or deductibles, which could affect your out-of-pocket costs.

  • Waiting Periods: Be aware of any waiting periods that might delay your access to certain medical services.

  • Repatriation Benefits: Considering the possibility of repatriation of remains is also essential for many expats.

IMPORTANT NOTE: When selecting private health insurance in Spain, ensuring that it covers you for the entire duration of your stay is critical.

Insurance for Expats in Spain: Eligibility

Expats who work in Spain and have a residence visa can qualify for public health insurance through the Sistema Nacional de Salud (SNS). This applies if you make social security contributions to Spain through your salary, freelance earnings or self-employment. SNS insurance is free and doesn’t include a deductible. The only cost is the percentage of income you contribute to the social security system.

However, if you’re a student or you aren’t making money in Spain, you won’t be eligible for the SNS system. In this case, your option is to go through private health insurance companies like Adeslas. Even if you qualify for SNS, you might want private insurance for the benefits. We’ll cover those next.

Comparing Public and Private Expat Insurance in Spain

As an expat, private health insurance is your best option when it comes to value, flexibility, multilingual service, and worldwide coverage.

 

Private Spain Insurance

Public Spain Insurance

Value for money

🌟🌟🌟🌟🌟

🌟🌟🌟🌟

Flexibility of insurance period

🌟🌟🌟🌟🌟

🌟

Multilingual customer service

🌟🌟🌟🌟

🌟

Worldwide coverage

🌟🌟🌟🌟

🌟

My Ratings for Private Health Insurance in Spain

Value for money 🌟🌟🌟🌟🌟

Private health insurance in Spain often offers comprehensive coverage, including a wide range of medical services, quicker access to specialists, and the option to choose your preferred doctors and hospitals. While the cost may be higher, the value for money lies in the extensive coverage and personalized healthcare options tailored to your needs. 

The few times I have been sick, I was able to book an appointment with a private heath insurance within minutes, compared to the long wait time at my local CAP (CAP, which stands for Centre d'Atenció Primaria) is the first point of call if you wish to access free medical assistance in Catalunya.

Flexibility of insurance period 🌟🌟🌟🌟🌟

With private health insurance, expats have the advantage of flexibility in choosing the insurance period that suits their needs. This is particularly beneficial for expats who may have uncertain or short-term plans in Spain, allowing them to select the coverage that aligns with their specific time frame.

Multilingual customer service 🌟🌟🌟🌟

Private health insurance providers often prioritize customer service, including multilingual support. This ensures expats can communicate comfortably in their preferred language when seeking assistance, clarifying coverage details, or making claims.

Worldwide coverage 🌟🌟🌟🌟 

Many private health insurance plans for expats offer worldwide coverage, allowing individuals to receive medical treatment not only in Spain but also in their home countries or other parts of the world. This benefit is particularly advantageous for expats who frequently travel or have a global lifestyle.

My Ratings for Public Health Insurance in Spain

Value for money 🌟🌟🌟🌟

Spain's public health insurance, known as Seguridad Social, provides basic healthcare services to residents, including expats. Contributions are based on income, making it affordable for most individuals. While public health insurance offers essential coverage, additional services, such as private rooms or certain treatments, may not be included.

Flexibility of insurance period 🌟

Public health insurance in Spain typically requires long-term residency to access coverage. Expats planning to stay in Spain for an extended period may find public health insurance to be a suitable option. However, it may not be ideal for those with shorter stays or uncertain durations.

Multilingual customer service 🌟

While public health insurance in Spain primarily operates in Spanish, efforts are being made to provide multilingual support. However, availability and accessibility may vary across different regions or healthcare facilities.

Worldwide coverage 🌟

Public health insurance generally provides coverage within Spain's healthcare system. While emergencies may be covered during temporary stays abroad, routine healthcare services outside of Spain may not be included.

In conclusion, when choosing health insurance as an expat in Spain, consider private health insurance for its comprehensive coverage, flexibility, multilingual customer service, and worldwide coverage. While public health insurance offers affordability, it may have limitations in terms of additional services and coverage outside of Spain. Assess your needs, budget, and desired level of coverage, and research different providers before making a decision. Invest in the right health insurance to ensure access to quality healthcare and peace of mind.

Expat International Health Insurance: FAQ

Below are a few frequently asked questions about health insurance for expats in Spain:

Yes, health insurance is mandatory for expats in Spain. To meet this legal requirement, you must have health insurance tailored for foreigners in Spain. This insurance ensures that you have access to the necessary healthcare services during your stay.

Private expat insurance in Spain offers a wide range of benefits, including comprehensive coverage, quicker access to specialists, and the flexibility to choose preferred healthcare providers. It often involves a higher cost, but the value lies in the extensive coverage and personalized care.

On the other hand, public health insurance, known as Seguridad Social, provides basic healthcare services to residents, including expats. Contributions are income-based, making it affordable for most individuals. However, additional services such as private rooms or certain treatments may not be included.

Yes, many expat health insurance plans in Spain provide worldwide coverage. This means that you are not limited to receiving medical treatment only within Spain; you can access healthcare services globally. This feature is particularly beneficial for expats with international lifestyles or frequent travel.

Absolutely, most reputable expat health insurance providers in Spain prioritize multilingual customer service. This ensures that expatriates can comfortably communicate in their preferred language when seeking assistance, making claims, or clarifying coverage details.

The average cost of health insurance for expats in Spain varies depending on several factors, including your age, the level of coverage you choose, and the insurance provider. On average, plans can range from €30 to €60 per month. It's essential to consider your budget and healthcare needs when selecting a plan.

Yes, if your visa application is denied, most insurance companies allow you to simply send the official letter of rejection, and they will process a refund for you.

If you don’t yet have a permanent residence, most insurance will send your cards to their regional office. Once you have an address, they will forward them to you. In the meantime, you can use digital cards for all your needs.

Yes, if required, most insurance can send your contract immediately after payment. Typically, though, contracts are sent within three working days.

Yes, all documents are in Spanish. You will receive your proof of insurance via email within three working days.

Yes, you can switch expat insurance providers in Spain. However, before making the switch, carefully review the terms and conditions of your current plan. Be aware of any waiting periods, exclusions, or limitations associated with your new provider to ensure a smooth transition.

While an EHIC provides temporary coverage in Spain, it is advisable to have additional health insurance for expats in Spain, such as Adeslas or Sanitas. EHIC may not cover all medical expenses, and it might not offer the level of service quality you desire. Having comprehensive health insurance ensures access to quality healthcare and peace of mind during your stay.

Applying for health insurance as an expat in Spain is a straightforward process. Visit the websites of reputable providers like Adeslas or Sanitas, select a plan that aligns with your needs, and follow the application process. Many providers offer online application forms for convenience.

📜 Living in Spain Planning Guide 📜

Before Moving to Spain

🔍 Research the visa process, residence permits, and other essential documentation early on.

💡 Did you know it’s mandatory to have official documents translated by a sworn translator? Consider hiring a translation service like Translyt for handling any official documents.

💡 Important: If you're moving from a non-European country, private health insurance is required for your visa application.

🧑‍⚕️ Finalize your local health insurance plan with Innoinsure for comprehensive coverage, or opt for the digital insurance services of Feather or ASSSA.

If you are a digital nomad or need travel insurance, SafetyWing provides flexible coverage for individuals living abroad.

🐕 If your pets have joined you, use Petplan for their health insurance and well-being.

Once in Spain

🏠 Use platforms like Spotahome get 15% off with code: CTSPAIN15 or Flatio to find your new home in Spain. They offer verified listings and short- to long-term rental options.

Are you on a tight budget? Check out Trusted Housesitters for free accommodation in exchange for pet sitting (Get 12% off annual memberships with code 12TRUST).

💸 Money Transfers: Set up a reliable currency exchange and transfer service like XE Money Transfer to avoid high banking fees when transferring funds internationally.

🚗 Need a rental car? Use DiscoverCars to easily compare and find the best deals for car rentals in Spain.

💡 Can you live and work in Spain without speaking Spanish?

The answer is YES! But learning Spanish will make your life so much easier. Start learning Spanish using Preply’s language tutor to learn the basics, and expect to see massive improvements within the first few months.

/ / 2 Comments
, ,
,

Laetitia woue

Laetitia is the author of Coming to Spain and has been living in Spain for over six years. She is passionate about traveling throughout Spain and helping others overcome their limiting beliefs to achieve their dream of moving to Spain. Through her writing and resources, she provides practical advice and insights to support and guide individuals in making their dream of living in Spain a reality.