Your Complete Guide to Medical Insurance in Spain
Complete guide to medical insurance for expats in Spain in 2026. Compare private vs public coverage, understand visa requirements, and find the right plan for your needs.
Quick Summary
Private medical insurance in Spain in 2026 typically costs between €38 and €155 per month, depending on age, coverage, and visa requirements. Residency applications still require no copay, full coverage insurance that is valid throughout Spain.
- Prices for 2026 start around €38 for young adults and increase with age
- Residency visas in 2026 continue to require full, no copay coverage
- Private healthcare offers faster appointments and English-speaking doctors
- Policies for residency can be issued within 24 hours in most cases
- EU citizens may use EHIC for short stays, but long-term residents still need private coverage
Why Private Medical Insurance Matters for Expats in 2026
Spain remains one of the most popular destinations for expats due to its climate, culture, and high standard of healthcare. As we move into 2026, Spain's healthcare requirements for expats have not changed significantly, and private medical insurance continues to be essential for most residency processes.
Since 2012, ExpatInsurances.es has helped thousands of expats find the right insurance solution. This guide gives you updated information for 2026 so you can make the best decision for your residency and day-to-day healthcare.
Do You Need Private Medical Insurance in Spain in 2026?
For Residency Applications (NIE or TIE)
Spain continues to require private health insurance for residency applications. You must have:
- A no copay policy
- Complete medical coverage
- Hospitalisation included
- Validity in all regions of Spain
- A 12-month contract
This requirement applies to:
If You Already Live in Spain
Many expats with public coverage still choose private insurance in 2026 because it provides:
Faster diagnostics
Get test results in days, not weeks
Access to private hospitals
Modern facilities with shorter wait times
English-speaking staff
No language barriers with medical professionals
Direct specialist access
No GP referrals required
How Much Does Medical Insurance Cost in Spain in 2026?
Private medical insurance prices for 2026 reflect slight annual adjustments, but remain affordable compared to most European countries.
Monthly Premium Estimates for 2026 (Visa-Approved and No Copay)
| Age Range | Typical Price 2026 | Notes |
|---|---|---|
| 18 to 28 | €38 to €60 per month | Ideal for students and digital nomads |
| 29 to 39 | €48 to €75 per month | Most common range for working expats |
| 40 to 49 | €65 to €95 per month | Includes hospitalisation and advanced tests |
| 50 to 59 | €90 to €140 per month | Residency-compliant coverage |
| 60 to 69 | €130 to €190 per month | May require health questionnaire |
Note: If you do not need a residency-compliant plan, copay options start from €22 to €40 per month.
What Private Medical Insurance Includes in 2026
Standard Coverage
Optional Add-Ons
How to Choose the Right Insurance Plan for 2026
For Residency & Visas
Choose a plan that provides:
- No copay
- Complete medical coverage
- No or minimal waiting periods
- A certificate formatted for consulates and immigration offices
For Families
Look for:
- Pediatric coverage
- Dental options
- Family discounts
- Low waiting periods
For Digital Nomads & Remote Workers
Focus on:
- Nationwide coverage
- Fast access to specialists
- Multilingual support
- Digital claim management
For Retirees
Important factors include:
- Quality of hospital network
- Chronic condition management
- English-speaking specialists
- Clear information on waiting periods
Common Mistakes to Avoid in 2026
Choosing a copay policy when applying for residency
Buying insurance that is not valid in all regions of Spain
Not checking for waiting periods for maternity or surgery
Assuming European Health Insurance Card coverage is sufficient
Forgetting to request the official immigration certificate
How to Get Medical Insurance in Spain in 2026 (Step by Step)
Contact an Insurance Expert
We assess your visa type, personal situation, and health needs.
Compare Leading Providers
We compare top Spanish insurers including Adeslas, Sanitas, Asisa, Cigna, and DKV.
Receive a Tailored Recommendation
You receive a clear explanation of:
- • Your best options
- • What is covered and what is not covered
- • Policy costs
- • Whether the plan is residency-approved
Receive Your Residency Certificate
We prepare and send the official certificate required for consulates, NIE or TIE appointments, student visas, and digital nomad visas.
Start Using Your Insurance
You can immediately access:
- • Provider apps
- • Hospital networks
- • English-speaking support
- • Appointment booking tools
Need Help Choosing the Right Plan?
Our team of insurance experts can help you find the perfect medical insurance plan for your situation in 2026. Get personalized advice and quotes from leading Spanish providers.
Expert reviewed
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent
Since 2012
Marco Elsinger
Licensed Insurance Agent
10+ years
Languages: English, Finnish, Spanish, German
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