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International Health Insurance in Spain

Sunswept Spain is an enduringly popular expat destination. Protect your health while here with comprehensive health insurance in Spain.

Beautiful weather, a relaxed pace of life and fantastic food are a big draw for expats from around the world. If you find yourself needing medical treatment while in Spain, bear in mind that you may not have the same access as Spanish citizens.

This is where private insurance with Cigna Healthcare can help you make the most of your new life Spain – taking the stress and hassle of finding healthcare when you need it most.

Read on to find out more about accessing healthcare in Spain.

How does the healthcare system work in Spain?

While healthcare is generally free for Spanish citizens, thanks to being paid for via taxes and social security, expats don’t always have the same access. You’ll need to sign up with the national healthcare plan or have private health insurance while in Spain.

If you work in Spain and pay social security contribution, you may have access to Spain’s public healthcare system (Sistema Nacional de Salud-SNS) – however, there may be some small fees and additional costs for cosmetic treatments or non-regular requirements.

Private cover can give you a wider range of treatment options and means you won’t pay for the national system in taxation – leaving more money in your pocket from your paycheck.

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Pros and cons of using Spain’s healthcare system


Pros

  • Can be free for a certain category of citizens.
  • It cannot be denied in a case of emergency.
  • Has good equipment.


Cons

  • Can have long waiting times.
  • There may be a language barrier.
  • Can get a different doctor with each visit.

What’s the difference between public and private care in Spain?

Public Private
It can take months to see a specialist. Patients can choose the specialist they want.
While it’s free in some cases, patients will be billed if they don’t have adequate tax payments. Access to faster treatment.
There are plenty of hospital and medical centres across the country. Need to pay for each appointment if no insurance is in place.

 

How can international health insurance help you in Spain?

If you’re in a position where you need medical treatment, whether its elective or urgent, health insurance in Spain can provide a huge relief. You’ll have access to private hospitals and clinics across the country and a choice of specialists – including medical professionals who speak your language.

The shorter waiting times that come with private healthcare also mean you can get the treatment you need sooner, before symptoms progress.

Learn more about alternative medicines in Spain

Choosing your international health insurance

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Cigna Global Health Options polissen

Silver

Wereldwijde dekking of wereldwijd dekking exclusief de VS

$ 1.000.000

Jaarlijkse uitkeringslimiet

Overzicht

De belangrijkste voordelen van het Silver-plan zijn dekking voor internationale ziekenhuisopnames en dagbehandelingen, inclusief ziekenhuisverblijven en behandelingen.

Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 1.000.000
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Dekking voor zorg voor pasgeborenen

    Gold

    Wereldwijde dekking of wereldwijd dekking exclusief de VS

    $ 2.000.000

    Jaarlijkse uitkeringslimiet

    Overzicht

    Uitgebreide dekking, met hogere jaarlijkse limieten en hogere vergoedingen inclusief klinische kraamzorg.

    Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 2.000.000
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Klinische kraamzorg

    Platinum

    Wereldwijde dekking of wereldwijd dekking exclusief de VS

    Volledig vergoed

    Jaarlijkse uitkeringslimiet

    Overzicht

    Onze hoogste dekking biedt een onbeperkte totale jaarlijkse limiet, waarbij de meeste zaken volledig worden vergoed.

    Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: Volledig vergoed
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Klinische kraamzorg
    • Geestelijke en gedragsmatige gezondheidszorg volledig betaald

    Cigna Close Care℠ polis

    Close Care

    Verblijfsland + land van nationaliteit

    $ 500.000

    Jaarlijkse uitkeringslimiet

    Overzicht

    Een essentiële gezondheidspolis aangepast voor personen die dekking nodig hebben in hun eigen land en hun verblijfsland.

    Beschikbare aanvullende modules:
  • Poliklinische behandelingen en welzijnszorg
  • Tandheelkundige zorg en behandeling
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 500.000
    • Aandoeningslimiet: $ 250.000
    • Klinische- en dagbehandelingen
    • Tweepersoonskamer
    • Volledige kankerzorg

    Why choose Cigna Healthcare for health insurance in Spain?

    • Wider range of treatment options compared to Spanish national healthcare.
    • 24/7 multilingual support wherever and whenever you are.
    • Get faster treatment when you need it.
    • Cover your health while you await access to the national system.

    Vraag vandaag nog een offerte aan
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    Veelgestelde vragen

    Not all patients qualify for free healthcare in Spain. Because of this, private healthcare cover may be needed to access some elective and urgent treatments.

    If you have lived in Spain for over 12 months, you can apply to join the public health insurance scheme, Convenio Especial. This does require a monthly payment. If you’ve lived in the country for less than a year, you will need private health insurance.

    Spain offers a high standard healthcare system. It has a good network of medical centres and hospitals across the country which are equipped with good equipment and staff.