Best Health Insurance for Expat Families in Spain (2024)

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Relocating to Spain with your family is an exciting adventure, but one of the most important decisions you’ll face is how to secure the best health insurance for you and your loved ones in Spain. Spain’s healthcare system is highly regarded, but as an expat, you’ll need to navigate the options between public healthcare and private health insurance to ensure your family is well-covered.

This guide will help you understand why private health insurance might be the best choice for your family, and we'll explore some of the top providers to consider.

Table of Contents:

  1. Top Health Insurance for Expat Families in Spain

  2. Why Consider Private Health Insurance in Spain?

  3. Choosing the Right Health Insurance for Your Family

  4. Key Requirements for Spanish Visa Applications

  5. Final Thoughts

Best Health Insurance for Expat Families in Spain

Choosing the right health insurance provider is essential. Here are some of the top options specifically tailored for expat families in Spain:

Insurance Company

Starting Monthly* Cost

Standout Feature

Adeslas

39€

Best Value for Money

DKV

76€

Best Provider Network

Asisa

59€

Reliable Customer Service

Feather

45€

Easy Application Process

ASSSA

35€

Flexible Coverage Periods

*Some plans may require payment for 12 months upfront.

1. DKV

DKV is a well-established provider offering a wide range of health insurance plans for expat families in Spain. They are known for their extensive network of healthcare providers, including top hospitals and specialists. DKV’s plans cover everything from general medicine to highly specialized care, making it a solid choice for families who need comprehensive coverage.

  • Pros: Extensive network, specialized care, comprehensive plans.

  • Cons: Higher premiums compared to some other providers.

2. Asisa

Asisa is another popular choice for expat families, known for its competitive pricing and good coverage options. Asisa’s plans cover general healthcare, hospital stays, surgeries, and even dental care, which can be particularly beneficial for families.

  • Pros: Competitive pricing, wide network, dental care included.

  • Cons: Some plans may have limitations on specialist care.

3. Feather

Feather has quickly gained popularity among expats due to its simple and transparent process. With information available in English, Feather makes it easy for non-Spanish speakers to sign up for health insurance. Their flexible plans are ideal for digital nomads, families and expats who need reliable coverage without the complexity.

  • Pros: English-language support, easy sign-up process, flexibility in plans.

  • Cons: May not offer as comprehensive coverage as more established providers.

4. ASSSA

ASSSA is known for its personalized service and plans that cater specifically to expat families in Spain. They offer a range of coverage options, from general medicine to emergency care, and provide excellent customer service in multiple languages, making them a trusted choice for many expats.

  • Pros: Expat-focused plans, multilingual support, personalized service.

  • Cons: Smaller network compared to larger providers.

Why Choose Private Health Insurance for Expat Families in Spain?

While Spain’s public healthcare system offers excellent services, it may not always be the most convenient or comprehensive option for expats. For non-EU citizens, access to the public system might be limited or come with longer waiting times. Additionally, if you’re not yet a resident or prefer healthcare providers who speak English, private health insurance for expat families in Spain can offer significant advantages.

 

Private Spain Insurance

Public Spain Insurance

Value for money

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Flexibility of insurance period

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Multilingual customer service

🌟🌟🌟🌟

🌟

Worldwide coverage

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Private health insurance provides:

  • Quick Access to Care: Avoid long waiting times and get faster appointments with specialists.

  • Comprehensive Coverage: Access to a broader range of medical services, including specialized treatments.

  • Flexibility: Choose your preferred doctors, hospitals, and clinics across Spain.

For expat families, private health insurance ensures that you can receive quality healthcare whenever you need it, giving you peace of mind as you settle into your new life in Spain.

Key Requirements for Health Insurance in Spanish Visa Applications

When applying for a Spanish visa, particularly for non-EU citizens, it’s crucial that your health insurance for expat families in Spain meets specific criteria set by Spanish authorities. These include:

  • Full Coverage in Spain: The insurance must cover all regions in Spain, including access to general practitioners, specialists, and hospital care.

  • No Co-Payments or Deductibles: The policy must be fully comprehensive, with no additional out-of-pocket costs.

  • Minimum Coverage: At least €30,000 in medical expenses must be covered.

  • Validity: The insurance must be valid for the duration of your visa or residency application, typically one year, and renewable.

  • Repatriation Coverage: The policy must include coverage for the repatriation of remains in case of death.

Providers like DKV, Asisa, Feather, and ASSSA offer plans that meet these requirements, making them ideal options when applying for a visa in Spain.

Choosing the Right Health Insurance for Your Family

Selecting the right health insurance for expat families in Spain involves considering several factors:

  • Coverage Needs: Assess whether you need basic coverage or more comprehensive plans that include specialist care and dental services.

  • Budget: Compare the costs of different plans to find one that fits your family’s budget without compromising on necessary coverage.

  • Provider Network: Ensure the provider has a strong network of doctors and hospitals, especially in the area where you plan to live.

  • Language Support: If you’re not fluent in Spanish, choose a provider that offers support in English or your native language.

Final Thoughts

Navigating the healthcare system in a new country can be challenging, but with the right health insurance for expat families in Spain, you can ensure your family’s health and well-being are well-protected. Whether you opt for DKV’s extensive network, Asisa’s affordability, Feather’s flexibility, or ASSSA’s expat-focused service, having comprehensive health coverage is essential.

As you prepare for your move to Spain, take the time to explore these health insurance options, compare plans, and select the one that best suits your family’s needs. With the right coverage in place, you can focus on enjoying your new life in Spain with the confidence that your family’s healthcare needs are fully covered.

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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.