Médica: outpatient health cover for everyday life in Spain
Licensed Broker
DGSFP Registered
Family doctor, 30+ specialities, diagnostic tests and telemedicine. The smart starter plan for residents who want full Spanish private healthcare without paying for hospitalisation they may never use.
Up to 40% off when you take out a policy now (30% standard promo + up to 10% extra for 2+ insured).
From €15.00
per person / month
Payment: Monthly, quarterly, or annual - direct debit, no surcharge.
Real-world examples
After current promotional discount.
Younger applicant, with current promo. Final price depends on age, region and health questionnaire.
Bonuses included
- €100 gift towards prescription glasses
- Up to €200 towards hearing aids
Health insurance quotes take a minimum of 24 hours - our team completes the health questionnaire with you by phone.
What's covered
Cover included as standard with Médica outpatient health cover
Family medicine & paediatrics
Family doctor and paediatrician with at-home nursing service included. Preventative checks and child development monitoring.
30+ medical specialities
Unlimited access - no long waiting lists, no referral required. Cardiology, dermatology, gynaecology, trauma, psychiatry and more.
Diagnostic tests
Clinical analyses, X-rays, MRI, CT scans, ultrasounds, endoscopy, ECG and digital dermatoscopy.
Dental add-on included
14 free basic services (check-ups, cleanings, extractions) plus price-capped treatments via the Caser dental network.
Emergencies
Home visits when you can't travel, plus a 24-hour medical telephone advice line.
Cover abroad
Up to €15,000 per person per year for medical expenses outside Spain. Repatriation, medication delivery and companion travel/accommodation.
Mental health
20 individual psychology sessions per insured per year (extra 20 for eating disorders), mental-health advisor, anxiety/mood assessments, online wellness courses, and 30 digital sessions/year for under-18s.
Pregnancy & fertility
Family planning, IUD implantation, non-invasive prenatal screening, childbirth preparation, postpartum care up to day 28. Plus 3 artificial-insemination attempts and 1 IVF cycle.
Telemedicine - no copay
Unlimited video and phone consultations through Centro Médico Caser. AI symptom evaluator, Selfie Health 30-second body scan, and shared medical records in the app.
Body care
Digital physiotherapy, virtual gym and trainer, vestibular and pelvic-floor rehabilitation (8 sessions/year max), unlimited chiropody.
Co-payment options
Choose how co-payments work on your policy.
You pay a small amount per service - capped at €395 per insured per year. After that, no further co-payment.
Your first 10 co-payments per insured per year are free. You only pay if usage goes beyond that.
Waiting periods
- ·High-tech diagnostic tests (MRI, CT, etc.): 4 months
- ·Childbirth: standard waiting period applies
- ·All other coverage: from day one
- ·Switching from a comparable insurer with 1+ years' cover? Waiting periods waived.
Network strength
- ·13,000+ medical centres across Spain (mainland, Canary and Balearic Islands)
- ·45,000+ healthcare professionals
- ·Caser Salud app: directory, authorisations, reimbursements, digital card
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Hospitalisation and inpatient surgery (covered by our Integral and Adapta+Dental plans)
- Treatments excluded by the General Conditions (cosmetic surgery, experimental treatments, etc. - see PDF)
- Conditions disclosed in the health questionnaire that the insurer chooses to exclude
- MRI/CT and other high-tech tests during the 4-month waiting period (waived if you are switching from a similar plan that's 1+ years old)
- Claims abroad above the €15,000 annual limit
Médica health insurance, in one paragraph
Médica is the entry-level Caser health plan we recommend for expats who want full private outpatient care in Spain - family doctor, specialists, diagnostic tests, basic dental - without paying for hospitalisation they may not need. It includes telemedicine with no copay, 24-hour phone advice, mental-health support, fertility treatment, and €15,000/year of cover when you travel abroad. If you later want hospital cover added, you can move to Integral or Adapta+Dental without losing your seniority.
Why Médica through ExpatInsurances
We've been arranging Caser policies for English, German, Finnish, Swedish and Spanish-speaking residents in Spain since 2011. Caser is one of the longest-standing insurers in the Spanish market - over 75 years - and we are a multiportfolio agency, so the same person who quotes your health policy can also handle your home, car, pet or travel cover. One contact, five languages, full Spain (mainland, Canary and Balearic Islands).
How quoting works
No commitment until you accept. We never share your data with third parties.
- You request a quote via the form, WhatsApp or phone.
- We call you back within 24 hours and complete the official Caser health questionnaire with you in your language.
- You get a final price, in writing, with the exact cover you'll receive.
- Cover starts on the date in your contract, once the first month is paid.
Plain-English summary of cover
Médica gives you everything you need to not end up in the public-system queue: a family doctor you can actually see, a specialist within days instead of months, the diagnostic test the specialist orders done quickly, and the resulting treatment - all in private centres, in your language where possible. What it deliberately doesn't include is hospital admission for surgery; that's where Integral and Adapta+Dental come in. For most healthy adults under 50, Médica + a hospital-only top-up is cheaper than a full hospitalisation plan.
Frequently asked questions
Who is Médica suitable for?
Residents in Spain (legal age) who want full outpatient cover - doctor, specialists, diagnostics and dental - but don't need inpatient hospital cover. If you want hospitalisation included, see our Integral or Adapta+Dental plans.
How fast can I be insured?
Quotes take a minimum of 24 hours because the health questionnaire is completed by phone with our team. Once approved, cover starts on the date shown on your contract - first month's payment must be received before registration.
Can I include my children?
Yes - add them as beneficiaries on your policy. Family discounts apply. Newborns can be added within 15 days with no waiting periods or pre-existing-condition restrictions if you've held the policy for 8+ months.
Are pre-existing conditions covered?
Each insured signs a health declaration. Some conditions can be excluded or, in rare cases, may make the policy uninsurable. False or omitted information can void cover, so always declare honestly - we'll guide you through it.
Does Médica cover MRI and CT scans?
Yes, when medically prescribed. There is a 4-month waiting period for high-tech diagnostics, waived if you switch from a comparable policy that's 1+ years old.
Is dental really included?
Yes - 14 free basic dental services (check-ups, cleanings, extractions) plus discounted treatments via the Caser dental network. For full dental cover including major treatments, add Smile Essential or Perfect Smile.
What if I'm abroad?
You're covered up to €15,000 per insured per year for medical expenses outside Spain, plus repatriation, medication delivery, and companion travel/accommodation in serious cases.
How does the policy renew?
Annually and automatically. You (or the insurer) can decline renewal in writing - at least 1 month before expiry if it's you, 2 months if it's the insurer.
Can I cancel?
Yes - at least one month before your renewal date. Cover continues until the end of the current annual period.
Will I get a tax benefit?
Generally no - health insurance premiums don't usually confer tax benefits in Spain, though some autonomous communities have exceptions. Check with your tax adviser.
Get your Médica outpatient health cover quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.
Policy documents
- Médica - General Conditions of Contract
Full legally-binding terms.
Underwritten by Caser - 75+ years in Spain
Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A. (Caser)
Registered with the Dirección General de Seguros y Fondos de Pensiones.