We have the best health or illness insurance for foreign residents in Spain and, in addition, by contracting it with us, as a health insurance advisor, you will have our specific help. If you need residence papers or want the best Spanish healthcare, we will help you get it. In this post, we talk about:
- Advantages
- Key highlights
- What does it cover?
- Frequent questions
Advantages of health insurance for foreigners
Whether or not you are required to take out medical insurance for foreigners in Spain, we remind you of the advantages of medical insurance compared to public health:
- Coverage and guarantees of medical insurance required by Immigration
- Choice of Hospital Center in case hospitalization is required.
- Access to a specialist without the need to first go to a family doctor.
- Access to all medical specialties: Cardiology, dermatology, endocrinology, traumatology, gynecology, ophthalmology, oncology, psychiatry…
- Elimination of waiting lists.
- Simple diagnostic tests and advanced diagnostics: Clinical analysis, ultrasounds, X-rays, magnetic resonances, endoscopies, scanners, etc… and all of this is ready in a reasonable time.
- Better benefits and coverage for companions.
In addition, our health insurance for foreigners also guarantees:
- A Medical Team with the best Hospitals in Spain according to the MERCO ranking.
- Dental insurance included (in other additional payment policies)
- Access to specialties not covered by social security (assisted reproduction, etc.) and to innovative techniques.
- Alternative Medicine Coverage: homeopathy and acupuncture included (in other additional payment policies)
- Work and traffic accidents included (in other additional payment policies)
- Reimbursement of pharmacy expenses (according to policy conditions)
- Medical expenses service abroad: Up to €6,000 per incident and cumulative with other contracted insurance such as car, accident, or travel.
Keys to our medical insurance for foreigners in Spain
- NO COPAYMENTS Health insurance without copayments, so you will pay a fixed fee, without any other additional payment or surcharge. Mandatory health insurance for foreigners.
- FULL COVERAGE Comprehensive health insurance that includes primary medicine, specialties, diagnostic tools, emergencies, hospitalization, etc. Mandatory health insurance for foreigners.
- NO WAITING PERIODS FOR VITAL EMERGENCIES You will be able to access the best Healthcare Centres and Specialists from the first day, eliminating waiting periods for vital emergencies and accidents according to the legislation. Mandatory for health insurance for Foreigners.
- CERTIFICATE FOR THE EMBASSY The insurance company must issue a certificate for Immigration in which compliance with the above must be indicated. Mandatory for health insurance for Immigration. We provide you with the certificate for the Embassy and advise you on the process.
- DURATION: 1 YEAR Health insurance for foreigners must be contracted for as long as you need it, but to apply you are asked to provide proof of a one-year policy. Mandatory health insurance for foreigners.
What does health insurance for foreigners in Spain cover?
Our Medical Insurance for Residence Permit offers you, among other coverages:
- First of all, general medicine, pediatrics, nursing services, and emergencies.
- Access to medical specialties.
- Simple diagnostic tests: Clinical analysis, ultrasounds, X-rays
- Advanced diagnostic tests: MRIs, endoscopies, CT scans, etc.
- Therapeutic methods: Rehabilitation and physiotherapy sessions; oncological treatments, respiratory therapies, psychological therapy, radiotherapy…
- Surgical interventions with hospital admission and outpatient care.
- Second medical opinion. Also with internationally renowned specialists.
- Medical expenses and travel assistance with a limit of €6,000 per year.
- Especially relevant are corneal and bone marrow transplants.
Frequently asked questions about health insurance for foreigners
If you are a foreigner and are looking for health insurance for foreigners in Spain for a residence permit, you can consult our insurance policies and request a certificate from us.
What requirements must the health insurance for foreigners that must be contracted have?
EU and non-EU citizens residing in Spain must prove that they have health insurance that provides full coverage in Spain equivalent to that provided by the National Health System.
Health insurance for foreigners cannot have co-payments or waiting periods (for vital emergencies or accidents) and must cover access to diagnostic tests, hospitalization, medical consultations, clinical analyses, surgical interventions, and other services.
Who should take out foreign health insurance to obtain a residence permit?
All foreigners who wish to reside in Spain must comply with this obligation: Students and people who do not work in Spain.
Likewise, the obligation to take out health insurance also applies to those family members who intend to reside in Spain for more than 3 months:
- Spouse or registered partner residing for more than 90 days
- Children under 21 years of age
- Children over 21 years of age who live under your care
- Ancestors who live under their care
- Other family members (brothers, sisters, etc.)
Health insurance for foreigners who do have a job
Foreigners who have an employment contract or who are going to carry out an economic activity in Spain will not be required to take out medical insurance.
- The employee may present a contract or certificate of employment or a declaration of employment from the employer.
- The self-employed worker (autonomous) may present proof that he or she will be self-employed.
Health insurance for non-EU citizens
When a NON-EU citizen arrives in Spain, he or she must complete, among other things, the necessary bureaucratic procedures to manage healthcare.
The process varies depending on the country of origin, however, for most countries of origin, the Immigration Department requires the provision of a private health insurance policy with certain characteristics:
The insurance required for foreigners cannot have co-payments or waiting periods and must cover access to diagnostic tests, hospitalization, medical consultations, clinical analyses, surgical interventions and other services.
When choosing health insurance for foreigners in Spain, it is important to keep in mind that authorizations are being denied based on the type of health insurance provided if you do not comply with the provisions of the legislation.
We will provide you with a special certificate for your Embassy, which has been approved in 100% of the cases presented.
Take out your policy with the best health insurance companies and with the characteristics that Immigration requires.
Health Insurance for Non-EU Foreign Students in Spain
In compliance with current legislation, Spanish universities do not admit students who do not have private health insurance.
Why do you need private health insurance if you are a foreigner in Spain?
Foreigners who come to Spain to reside for more than 90 days must apply for the Certificate of Registration of Citizen of the European Union if they are an EU citizen, or the Residence Permit if they are a non-EU citizen. In both cases, they must take out private health insurance.
You need health or medical insurance to obtain residency. One of the mandatory requirements to obtain temporary or permanent residency is to have private health insurance. Therefore, if you are looking for Health Insurance for the NIE, keep reading.