ASSSA Health Insurance is not just another name in the Spanish insurance market; it’s a company with over 80 years of expertise, specifically catering to the needs of expats living in Spain, either part-time or full-time.

Regulated by Spain's Directorate-General for Insurance and Pension Funds (D.G.S), similar to the Financial Services Authority (F.S.A), ASSSA boasts a strong presence along the Spanish coast and in other key locations. This review explores ASSSA's offerings, weighing their pros and cons for expats.

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About ASSSA Health Insurance

ASSSA is a reliable private health insurance provider in Spain that offers a wide range of plans for expats, families, and residents. The company offers multi-lingual support and strong customer service. ASSSA guarantees no premium increases due to age along with no policy cancellations, and this makes it a good long-term option for expats living in Spain. ASSSA offers five plans in total while three of them work for visa applications.

What ASSSA Insurance Covers

ASSSA offers five health insurance plans that provide a range of benefits. However, not all satisfy visa or residency applications (the Basic plan can’t be used for either and the Summum plan only works for residency applications).

All plans cover general practitioner and paediatrics. They also cover emergencies, medical specialites, basic dental services, ambulance services, family planning, international assistance, and more. Daily and cost limits can vary by plan. We’ll cover a few major differences below.

ASSSA Plan	Hospitalization	Oncology	Rehabilitation
Basic	7 days for medical and paediatric, 3 days for ICU	Diagnosis/surgery, conventional radiation only	30 sessions for locomotor system
Standard	30 days for medical and paediatric, 15 days for ICU	Adds chemotherapy coverage	30 sessions for locomotor system
Plus	60 days for medical and paediatric, 30 days for ICU	Adds three-dimentional planning for radiotherapy	30 sessions for locomotor system plus other services
Master	Unlimited for medical and paediatric, 60 days for ICU	All services	40 sessions for locomotor system plus other services
Summum	Unlimited for medical and paediatric, 90 days for ICU	All services	60 sessions for locomotor system plus 40 sessions for other services

Expats in Spain: Get your free ASSSA quote today!

ASSSA Dental

All plans come with basic dental coverage which includes consultations, extractions, dental cures, and yearly dental cleaning. You can also upgrade to full dental coverage for comprehensive services or extra dental coverage for even more services plus two yearly teeth cleanings.

ASSSA Accident Insurance

ASSSA policyholders can add accident insurance. This covers accidental death, accidental disability, and extra services after a car accident.

ASSSA Health Insurance Cost

ASSSA is about average compared to other private health insurance companies in Spain. Its standard coverage costs about €53 per month. Keep in mind that you’ll have to pay for a year upfront if you’re applying for a Spanish visa or residency.

ASSSA offers a quick cost calculator so you can see rates that would apply to you. I got quotes for a few plans that apply to ages 18 to 34, which you can see below:

ASSSA Plan	Annual Cost	Monthly Cost
Basic	€770	€64
Standard	€640	€53
Plus	€702	€59
Master	€806	€67
Summum	€1,175	€98

Health coverage for expats—request your ASSSA quote now!

ASSSA Health Insurance Spain Reviews

With a solid rating of 3.7 out of 5 stars on Trustpilot, ASSSA stands out as a top contender for expats considering a move to Spain. Customers consistently commend the company's swift and effective customer service, highlighting it as a significant asset. Additionally, many users appreciate the overall quality of service provided by ASSSA, echoing sentiments such as "professional, polite, and extremely helpful staff" and "excellent customer service from start to finish." However, it's worth noting that there is some negative feedback regarding policy limits and lack of information about coverage.

Pros of Asssa Health Insurance

1. Specialized in Expat Coverage:

With decades of experience, ASSSA specializes in health insurance for expats, understanding their unique needs and concerns.
ASSSA assists in obtaining necessary documents for various visas (Non-Lucrative, Nomad, Golden, or Student Visas) and Spanish Residency, making it a go-to for expats navigating these processes.

2. Regulatory Compliance:

Being regulated by the D.G.S assures policyholders of standard compliant practices and security.

3. Strategic Locations:

ASSSA’s significant presence in coastal and other crucial expat areas means better accessibility and localized services.

2. Adaptable Certificates:

Recognizing that embassy requirements can change, ASSSA offers flexibility in adapting certificates to meet these evolving needs.

3. Personalized Customer Service:

They provide customer service in clients’ native languages, a significant advantage for those who are not fluent in Spanish.

4. High-Quality Healthcare Network:

Access to excellent clinics and doctors, along with competitive products and robust post-sale support.

5. Multilingual Support:

The provision of services in multiple languages is a major plus for international policyholders.

6. Flexibility and Personalization:

With a focus on customization, expats can tailor their health insurance to match their specific needs.

7. Strong Network of Healthcare Providers:

ASSSA’s network includes high-quality clinics and medical professionals, ensuring top-notch medical care.

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Cons of ASSSA Health Insurance

1. Limited Geographical Coverage

ASSSA insurance has a small limitation regarding its geographical reach. This restriction means that potential customers in certain areas of Spain might not have access to ASSSA's insurance offerings, which is something you should have in mind when picking your insurance package.

2. Exclusion of Pre-Existing Conditions

This exclusion can be challenging for individuals who have health issues, as they will not receive support for these existing conditions under ASSSA's policies.

3. Customer Service Experiences:

Reviews indicate varying experiences with customer service. While some policyholders may have satisfactory interactions, others report challenges in receiving support, emphasizing the need for a more consistent customer service approach.

How ASSSA Compares To Other Options

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	53€	Flexible Coverage Periods

Moving to Spain? Get a free ASSSA quote!

ASSSA Review: Overall score ⭐⭐⭐⭐

ASSSA Health Insurance positions itself as a strong contender for expats in Spain, offering specialized, high-quality health insurance services with a focus on expatriate needs. With personalized support in various languages and a commitment to adapting to the changing requirements of visas and residencies, it stands out as a particularly supportive choice for expats.

However, those considering ASSSA should balance their need for personalized service and comprehensive coverage with budget and network size considerations. For expats seeking a provider with a deep understanding of their unique challenges and requirements, ASSSA is definitely worth exploring.