Got my visa-approved Caser health insurance sorted in just 3 days. The documentation was perfect for my non-lucrative visa application.
Visa-ready policiesFrom €15/moSame-day quote
Private health insurance in Spain
Five tiers underwritten by Caser, one of Spain's longest-established insurers with 75+ years in the market. Choose the right level of cover for your age, family and use pattern. Same-day quote, written confirmation within 24 hours, full English support.
From €15 /monthStarting price for outpatient cover (Médica). Final premium depends on age, region and the health questionnaire.
4.8/5
15,000+ expats helpedEN • ES • FI • SV • DEFrom
€15/month
Starting price for outpatient cover (Médica). Final premium depends on age, region and the health questionnaire.
Licensed Agent
DGSFP #C0031B93323293
Health insurance at a glance
Who it's for
Expats, visa applicants, families, retirees and residents — five tiers from €15 to €112/month per person.
Activation time
Minimum 24h — questionnaire by phone (Salud +60 needs no questionnaire). Cover starts on the contract date.
Documents needed
Passport, postcode, date of birth. NIE not required to start — visa applicants have 90 days to deliver it.
Languages
English, Spanish, German, Finnish and Swedish. Policies printed in English, German and Spanish.
Compare Caser health insurance plans
Choose the right Caser health plan for you and your family
Tier 01
Médica
From €15/month per person
- Family doctor and paediatrics
- 30+ medical specialities (no referral)
- Diagnostic tests (X-ray, MRI, CT, ultrasound)
- 14 free dental services + price-capped network
- Telemedicine and 24h advice line
- Co-payments per visit
- Hospitalisation and surgery
- Pharmacy reimbursement
Best for
Healthy under-40s · Budget-conscious expats · Smart starter plan for everyday care
Not recommended for
Anyone wanting hospital cover · Visa applicants needing no-copay policies
Most Popular
Tier 02
Integral
From €36/month per person
- Hospitalisation — unlimited days, private room
- 45+ medical specialities (no referral)
- Advanced surgery (Da Vinci robotic, oncology)
- 50% pharmacy + 50% optician reimbursement (up to €100/yr each)
- Pregnancy + 3 IUI + 1 IVF cycle
- Mental health (20 psychology sessions/yr)
- Cover abroad up to €15,000/yr
- Co-pay or no-copay versions available
Best for
Most expat families · Anyone over 40 · Visa applicants (no-copay version) · Family Pack of 3 from €152.01/mo
Not recommended for
Anyone wanting full dental in one policy · Anyone wanting reimbursement for out-of-network doctors
Tier 03
Adapta + Sonrisa Esencial
From €59/month (€94.53 family of 3)
- 40 FREE dental services (cleanings, fillings, endodontics)
- Hospitalisation — unlimited, private room + companion
- 48 medical specialities (no referral)
- NO COPAY (except €9 per psychology session)
- Free paediatric dentistry (under 15s)
- Pregnancy + 3 IUI + 1 IVF cycle
- Cover abroad up to €15,000/yr
- Mental health + virtual gym + digital physio
Best for
Young families using healthcare regularly · Expats wanting health + dental in one policy · Anyone preferring fixed monthly cost
Not recommended for
Single budget-focused individuals who don't need dental
Tier 04
Prestigio
From €112/month per person
- Any specialist worldwide — 80–90% reimbursed (up to €210k/yr)
- Hospitalisation — unlimited days, private room
- Zero copay in network
- Advanced procedures + second medical opinions
- 50% pharmacy + 50% optician reimbursement
- Pregnancy + fertility (3 IUI + 1 IVF)
- Cover abroad €15,000/yr (separate from worldwide reimbursement)
- Stem cell preservation up to €600
Best for
Frequent travellers · Chronic-condition managers · Premium coverage with full doctor freedom
Not recommended for
Budget-focused individuals · Anyone happy staying in-network
Tier 05
Salud +60
From €43/month per person
- No upper age limit — accepts 60, 70, 80+
- No medical questionnaire required
- Annual medical check-up + ECG + bloods
- Primary care + 40+ specialities
- 30 hrs/yr home care OR 7 hrs physio after hospital
- Personal Medical Advisor
- 25 free dental services + telemedicine
- Hospitalisation and inpatient surgery
Best for
Retirees and seniors over 60 · Anyone with health issues making other plans uninsurable · Expats retiring to Spain
Not recommended for
Under-60s (other plans are better value) · Anyone needing inpatient hospital cover
What drives your health insurance premium
Caser premiums depend on age, plan, co-pay structure and region. Current promo: up to 40% off (30% standard + up to 10% extra for 2+ insured on one policy). Family Packs from €94.53/mo (3 people on Médica).
Price drivers
- Age: Premiums step up at 40, 50 and 60. Salud +60 is priced separately for over-60s and accepts new applicants up to 80+.
- Plan tier: Médica €15 → Integral €36 → Adapta €59 → Salud +60 €43 (over-60s only) → Prestigio €112.
- Copay vs no-copay: No-copay = higher monthly premium but no per-visit cost. Copay = lower premium, first 10 visits/yr free, then capped at €395/yr.
- Insured per policy: Up to 10% extra discount for 2+ insured. Family Packs of 3 from €94.53/mo (Médica) to €152.01/mo (Integral).
- Region: Postcode affects pricing; Catalonia and the Balearic Islands can differ from the mainland.
- Add-ons: Full dental (Adapta), worldwide reimbursement (Prestigio), pharmacy/optician (Integral, Prestigio).
Typical profiles and what we recommend
Healthy adult under 40: Médica with copay (€15/mo) — full outpatient cover, no hospital. Integral if you want hospital cover (€36/mo).
Family of 3 (under 54): Médica Family Pack from €94.53/mo (outpatient). Integral Family Pack from €152.01/mo with hospital cover.
Visa applicant (non-lucrative / Golden / DNV): Integral or Adapta — both no-copay, both visa-compliant. Adapta adds full dental for ~€20 more per person.
Frequent traveller / chronic condition: Prestigio (€112/mo) — any specialist worldwide, 80–90% reimbursement up to €210k/yr.
Retiree aged 60+: Salud +60 (€43/mo) — no questionnaire, no max age, immediate cover. Outpatient + diagnostics; no inpatient hospitalisation.
Tell us your age, postcode and what you need. Same-day quote, no obligation.
For visa applications, your health insurance must have no co-payments and no waiting periods. Caser's Integral and Adapta plans meet these requirements — but you need to specify the no-copay version from the start.
Maya Kallio
Licensed Insurance Agent, DGSFP
How it works
Getting Caser health insurance in Spain is straightforward with our guidance
01
Request a quote
Share age, postcode, family size and any visa requirement. Same-day response. Quotes for Salud +60 take minutes; all other plans need ~24h for the health questionnaire.
02
Pick your plan
We explain each tier in English — what's covered, copay vs no-copay, waiting periods. Visa applicants are guided to no-copay Integral or Adapta.
03
Health questionnaire by phone
Caser calls you in your language to complete the questionnaire. Declare conditions honestly — false declarations void cover. First month's payment is required before activation.
04
Cover starts on contract date
You get your Caser card and Caser Salud app access. Most cover from day one; surgical and maternity have an 8-month waiting period (waived if switching from a comparable insurer with 1+ years' cover).
Access Caser's nationwide hospital network
Caser's medical network includes private hospitals and clinics across all of Spain, including the islands
What you need to take out a Caser health policy
Quotes need very little. Activation needs a bit more, including a phone-based health questionnaire (or no questionnaire at all on Salud +60).
Application checklist
- Date of birth and postcode (essential — both affect the price)
- Names and dates of birth for any family members on the same policy
- Passport or DNI/NIE for the policyholder (NIE not always required at quote stage)
- Spanish bank account for direct debit (no surcharges on annual, half-yearly, quarterly or monthly billing)
- Health questionnaire completed with Caser by phone — they call you in your language
- First month's payment received before activation
- For visa applications: your application reference and visa type so we can confirm the policy meets the requirement
Visa applicants: two important rules
1) NIE is NOT required to take out the policy — you can apply with just your passport. NIE must be delivered to Caser within 90 days max after the policy starts. 2) For Spanish visa compliance, the first year must be paid as a single annual premium up-front (not monthly). After year one you can switch to monthly, quarterly or half-yearly billing. Salud +60 needs no health questionnaire either — quote in minutes.
Coverage overview
Health insurance coverage
What Caser health plans typically include, what varies by plan, and what's excluded
Standard cover
Included
- Family doctor and paediatrics — unlimited, no referral required
- 30–48 medical specialities (depending on plan) with no waiting list
- Full diagnostic suite — X-ray, MRI, CT, ultrasound, ECG, endoscopy, lab analyses
- Telemedicine via Centro Médico Caser (phone, video, chat)
- AI symptom evaluator and Selfie Health body scan in the Caser app
- 14 free basic dental services + price-capped Caser dental network
- 24-hour medical advice line and home visits when you can't travel
- Repatriation and limited cover abroad (subject to plan)
Add to your policy
Optional
- Hospitalisation, surgery and ICU — included on Integral, Adapta and Prestigio (not on Médica or Salud +60)
- No-copay structure — available on Integral, standard on Adapta and Prestigio
- 40 FREE dental services + free paediatric dentistry — Adapta + Sonrisa Esencial only
- Worldwide doctor freedom with 80–90% reimbursement up to €210,000/yr — Prestigio only
- Pharmacy reimbursement (50%, up to €100/yr per insured) — Integral and Prestigio
- Optician reimbursement (50%, up to €100/yr per insured) — Integral and Prestigio
- Pregnancy, family planning, 3 IUI + 1 IVF cycle — Integral, Adapta and Prestigio
- Mental health (15–20 psychology sessions/yr; 40 for eating disorders) — varies by plan
- Stem cell preservation up to €600 — Integral and Prestigio
- Annual check-up, home care 30 hrs/yr and Personal Medical Advisor — Salud +60 only
- Cover starts from day one with no medical questionnaire — Salud +60 only
Read carefully
Not covered
- Cosmetic surgery and experimental treatments
- Self-inflicted injuries and non-medical procedures
- Pre-existing conditions disclosed in the questionnaire that the insurer chooses to exclude
- Procedures during the 8-month waiting period (waived if switching from a comparable insurer with 1+ years' cover)
- Assisted reproduction during the 24-month waiting period
- Out-of-network treatments without authorisation (except Prestigio reimbursement)
- Pharmacy and optician costs above the €100/yr per-insured cap
- Foreign medical claims above the €15,000/yr cap (separate from Prestigio worldwide reimbursement)
- Allergology vaccines and Essure-type tubal occlusion devices
Who can get Caser health insurance, and which plan suits you
Caser accepts almost any expat profile. Pre-existing conditions are handled via the questionnaire (and aren't an obstacle on Salud +60). Tell us your situation and we'll match you to the right tier.
Visa applicants
Non-lucrative, Golden Visa, Digital Nomad and student visas require no-copay private cover with no waiting periods on emergency care. Integral (no-copay) and Adapta + Sonrisa Esencial both meet the Spanish consular requirement. Two specifics: NIE is NOT required at application — you can start with passport only and deliver NIE within 90 days. The first year must be paid as a single annual premium up-front (visa rule); from year two you can switch to monthly. We issue the official visa certificate the same day.
Read the visa guideRetirees (60+)
Salud +60 is the only Caser plan with no maximum age and no medical questionnaire. From €43/mo per person. Includes annual check-up, 30 hrs/yr home care, Personal Medical Advisor and 25 free dental services. Outpatient and diagnostic; for inpatient hospital cover combine with public/EHIC.
Read the retiree guideFamilies with children
Family Packs from €94.53/mo for 3 people on Médica (outpatient) or €152.01/mo on Integral (hospital + outpatient). Adapta + Sonrisa Esencial adds 40 free dental services and free paediatric dentistry for under-15s. All include paediatric care and maternity (after 8-month waiting period).
Read the family guidePre-existing conditions
Caser's questionnaire (by phone, in your language) decides whether each condition is covered, excluded, or surchargeable. Always declare honestly — undisclosed conditions void cover. If you're switching from a comparable insurer with 1+ years' continuous cover, the 8-month waiting period is waived.
Read the medical guideDigital nomads
DNV (Spain Digital Nomad Visa) requires comprehensive private health insurance with no copays during the visa period. Integral no-copay or Adapta both meet the requirement. We issue the visa certificate the same day so you can include it in your TIE/visa application.
Read the DNV guide
English-speaking healthcare made easy
We help you navigate the Spanish healthcare system and find doctors who speak your language within Caser's network
Why choose us
Why choose us for health insurance in Spain?
We specialise in Caser health insurance for expats — with multilingual support and visa expertise
i.
Independent agency since 2011
We work for you, not the insurer. Same person quotes, manages renewals and handles your claim.
ii.
5 languages
English, Spanish, German, Finnish and Swedish. Policies printed in English, German and Spanish.
iii.
Multiportfolio
One team handles your health, home, car, pet and travel. Fewer logins, fewer emails, one renewal cycle.
iv.
Caser, 75+ years
Underwritten by Caser, part of Grupo Helvetia — over 75 years insuring residents in Spain across health, home, car, dental, travel, pet and business.
v.
Full Spain
Mainland, Canary Islands and Balearic Islands — same network, same English support.
vi.
Caser Salud app
Telemedicine, appointment booking, medical network search, clinical history. Standard on every plan.
Co-payments (copago): how Caser structures them
Best for healthy, low-frequency users
With co-payments
- Lower monthly premium
- First 10 copayments per insured per year are FREE
- After that, small per-visit charge — capped at €395/year per insured
- Available on Médica and Integral
- NOT visa-compliant for non-lucrative, Golden Visa or DNV
Best for visa applicants, families and frequent users
Without co-payments (sin copago)
- Higher monthly premium, fully predictable cost
- Zero out-of-pocket per visit (telemedicine, GP, specialists, hospital)
- Standard on Adapta + Sonrisa Esencial and Prestigio
- Available as a no-copay version on Integral
- Visa-compliant — issues the certificate Spanish consulates accept
Adapta has only one exception to no-copay: psychology sessions are €9 each. Prestigio has zero copay in-network and 80–90% reimbursement out-of-network. Salud +60 has its own pricing structure for over-60s.
Need medical care? Here's what to do
01
Life-threatening emergency: call 112. Public hospitals treat emergencies regardless of insurance — Caser reimburses afterwards if applicable.
02
Non-emergency: open the Caser Salud app or call Centro Médico Caser. Telemedicine is unlimited on every tier — phone, video or chat consultation, often resolves it without a clinic visit.
03
Need a specialist? Book directly through the app or by phone — no GP referral required. 13,000+ medical centres across Spain.
04
Going to the clinic: bring your Caser health card and ID. The clinic bills Caser directly — you pay nothing on no-copay plans, or the small copay (€395/yr cap) on copay plans.
05
Out of network on Prestigio: pay the bill, send the invoice via the app, get 80–90% reimbursed (up to €210k/yr).
06
Travelling abroad: call the 24/7 Assistance Centre BEFORE seeking treatment so they can authorise it. Cover up to €15,000/yr abroad on Integral, Adapta and Prestigio.
07
Need an English-speaking doctor? Tell us your area and condition — we'll send a shortlist from the network.
Most Caser care is cashless. Two things slow people down: forgetting to call the Assistance Centre before treatment abroad, and trying to use out-of-network doctors on a non-Prestigio plan (which won't be reimbursed).
Where Caser cover applies
01 · Region
All of Spain
Mainland, Canary Islands and Balearic Islands. 13,000+ medical centres in the Caser network — same plan, same price, same access wherever you live in Spain.
02 · Region
Cover abroad on temporary trips
Up to €15,000/yr per insured for unexpected medical care during trips outside Spain (Integral, Adapta, Prestigio). Includes repatriation, medication delivery, companion travel and interpreter assistance. Always call the 24/7 Assistance Centre before treatment.
03 · Region
Worldwide doctor freedom (Prestigio)
On top of the €15k temporary-trip cover, Prestigio reimburses 80–90% of any specialist or hospital bill anywhere in the world, capped at €210,000/year per insured. The only Caser plan with this.
04 · Region
Telemedicine — anywhere with internet
Centro Médico Caser unlimited phone, video and chat consultations with GPs, paediatricians and specialists. Standard on every plan, no copay, no extra cost.
Limits and waiting periods vary by plan. The full Spanish General Conditions document is what governs your contract — we'll send it before you sign and walk you through any clauses that affect you.
Key Terms
Key Spanish Health Insurance Terms
Essential vocabulary for understanding your health insurance policy in Spain
Seguro de salud
Health insurance
Seguro de salud privado
Private health insurance
Cuadro médico
Medical/provider network
Seguro sin copago
Insurance without co-payments
Copago
Co-payment
Prima
Premium
Carencia
Waiting period
Cuota
Monthly installment
Hospitalización
Hospital admission/inpatient care
Urgencias
Emergency care
Especialistas
Specialist consultations
Médico de cabecera
GP/Primary care doctor
Caser's digital services are a real bonus most expats don't know about. The telemedicine, mental health support, and Selfie Health monitoring come free with every health policy — use them.
Maya Kallio
Licensed Insurance Agent, DGSFP
Expert reviewed
Written and reviewed by licensed insurance agents.
Last reviewed: 1 January 2026
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, Swedish · DGSFP License: C0031B93323293
Common questions
Health insurance FAQs for expats
Anything more specific — call or WhatsApp, we'll pick up.
Which health insurance is best for expats in Spain?
It depends on your age and use pattern. Healthy under-40s usually pick Outpatient (Médica from €15/mo). Families and over-40s usually pick Comprehensive (Integral from €36 or Adapta+Dental from €59). Frequent travellers and chronic-condition managers pick Premium Reimbursement (Prestigio from €112). Over-60s pick Salud +60 (€43+/mo, no questionnaire).
How much does private health insurance cost in Spain?
From €15/mo per person on the cheapest outpatient plan with current promo. Family Pack of 3 from €94.53/mo on Médica. Comprehensive from €36/mo. Premium reimbursement from €112/mo. Senior 60+ from €43/mo. Final price always depends on age, region and the health questionnaire.
Do I need health insurance to live in Spain?
If you're an EU resident with the S1 form, EHIC or paid into the Spanish social security, you have public-system access. Many expats add private insurance for speed (no waiting lists), language access and dental. For non-EU residency permits, private health insurance with no co-payments is a legal requirement.
I'm applying for a visa — do I need a NIE first, and how do I pay?
No, you don't need a NIE to take out the policy. You can apply with just your passport and the policy starts immediately so you can include the certificate in your visa application. NIE must be delivered to Caser within 90 days maximum after the start date. Important payment rule for visa-compliant policies: the FIRST year must be paid as a single annual premium up-front — Spanish consulates require this. From year two onwards you can switch to monthly, quarterly or half-yearly billing without surcharges.
How fast can I be insured?
Quotes take a minimum of 24 hours because we complete the Caser health questionnaire with you by phone. Once approved, cover starts on the date in your contract — first month's payment must be received before registration.
Are pre-existing conditions covered?
Each insured signs a health declaration. Some conditions can be excluded by the insurer; rare cases may make a policy uninsurable. Always declare honestly — false or omitted information voids cover.
Can I cancel and get my money back?
You can cancel at any time with at least one month's notice before renewal. Cover continues until the end of the current annual period; refunds for the unused period are not standard.
Related guides
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Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 1,200+ reviews from expats across Spain
Great service explaining the different Caser plans for my family. We went with Integral and the family discount made it very affordable.
As a retiree over 65, I was worried about getting cover. They helped me with the Caser Salud +60 plan and the health questionnaire process was straightforward.
