The Spanish version of the European Health Card or EHIC is called the Tarjeta Sanitaria Europea or TSE and entitles residents of Spain to health care in other European countries. Then we checked out of our AirBnB, went back to the embassy, submitted all the other documents and told them that the insurance paperwork would arrive shortly. Hello I will need the cheapest health insurance for non-lucrative resident visa. How to use EHICs The European Health Insurance Card (EHIC) entitles citizens of one EU country to medically necessary, state-provided healthcare during a temporary stay in another EU country. If you are a newcomer in Spain or don´t have a current insurer, you will soon find out that almost every insurance company applies waiting times from 3 to 9 months for several important services: hospitalization, MRI scans, preventive tests, services related to pregnancy, and so on. Who is it for and who is eligible? Applicants must have been registered as a Spanish resident for a year, not be in receipt of healthcare cover from the UK and do not qualify for an EHIC. This is the most popular private insurance in Spain and they offer special expat packages as well. Almost all insurers offer search tools on their websites and have mobile applications to help you find the nearest centres, search for certain specialists, etc. I will be purchasing a property to retire there. The system is nationally mandated, but each of Spain’s 17 regions or comunidades autonomas implements and executes the system on a local level. We can provide policies with full access to all services from day one, and in many cases you will pay for your insurance starting from the actual coverage start date, not several months before your arrival. As you may already know, obtaining your student visa requires having a specific health insurance contract. 2018 May 9th. The coverages and tests subject to medical authorization. For example, the optician is included, but the lenses are not, or a visit to a GP is included, but you would have to pay for the medication prescribed to you. This is a complete policy and it is provided by different insurers operating in Spain. Interval of time during which some of the coverage included in the guarantees of this Policy is not in effect. I am 52 with no health issues. It is possible to set up an insurance even if you are not in Spain and don’t have a Spanish bank account or NIE number yet. The premiums are anything between 40% to 60% cheaper than a UK policy. Having this said is important to clarify the main idea which is that the insurance must be able to match the conditions of those from the public healthcare system in Spain. Private Insurance. Prescriptions, lenses, glasses and other supplies you get at a pharmacy or at specialized stores outside the medical centres are not covered. Thanks to him, our Spanish residency visa application was finally going to be reviewed. A complete Insurance Coverage for your loved one’s health. Private Medical Insurance works well in Spain. Spanish Health Insurance Companies. If you have moved recently and don´t find yourself at any of the situations described above, you may still be covered by your travel insurance (normally for the first 3 months of your stay) or as an EU citizen be entitled to use your European Health Insurance Card to access medical care for the initial period after your move. Now call me stupid but, as a UK citizen, could proof of my National Insurance Number/being under the NHS count as valid proof of healthcare insurance? Our team of commercial agents has years of experience, advising about the valid health insurance for Spanish residence you need. Not declaring some conditions like illnesses, previous surgeries or treatments is not a solution either – if at some point you need medical assistance related to one of those conditions, the insurer could even cancel the policy due to the fact that the pre-existing conditions were not disclosed. 3. Nanny service through Nannify. Keiko asked the agent to mail all the updated health insurance to the Spanish Embassy in Tokyo. If so we have a range of plans to choose from, starting with our top selling product, the Mas Salud plan. If you plan to apply for the non-lucrative resident visa in Spain (for non-EU citizens) or register as a resident by showing sufficient financial means (for EU citizens), you need to hold a complete private insurance policy for your residency to be approved. The Mas Salud Plan fully meets the requirements set by the Spanish authorities. Your health insurance Plan for Residency does not have Copayments. If you want to know how much exactly, just fill out the form for health insurance. Unfortunately, in cases of more serious pre-existing conditions, the insurer can deny to issue the policy. Si continuas utilizando este sitio aceptas el uso de cookies. Private family insurance packages are available but you’ll need to ask for the additional coverage and be prepared to pay extra. [email protected] +34 965 042 285 However, private health insurance can halve the costs, with dental insurance costing as low as €10–20 per month. There seems to be a little confusion between the Spanish Health Card for treatment in Spain and the EHIC card. If you plan to travel to countries where the health care is considerably more expensive, it is a good idea to get a travel insurance for the trip. That’s why we allow you to purchase your Health Insurance for Spanish Residency online, fast and secure giving you, personalized attention during the entire process. Private Health Insurance in Spain: What Should You Know? All the guarantees included can be accessed immediately except for those with a specific exclusion period that can vary between 3 and 10 months. Can you help? There are two ways to obtain health insurance, either by accessing social security or by contracting private health insurance. Do you need health insurance for your visa, residency or NIE application? Although Spanish nationals can access the Spanish state-run health system for free, many of them still choose to have a private health insurance coverage because it allows them to avoid waiting lists for tests and several procedures, to get an appointment with a specialist without consulting a GP first, and generally provides a better-quality service than the public system. The advisory not only includes the hiring process but, also, you will have a Personal Insurance Advisor who will help you in any procedure related to your policy, during the entire period of your health insurance valid for Spanish residence that needs to. You can’t exchange your driving licence for a Spanish one without being a resident. If you are not covered for public health care, you can also pay a monthly fee to access the state-run healthcare (so called pay-in scheme) after having lived 12 months in Spain. If you start working in Spain you will become part of the social security system. Valid for Spanish Residency. Grace periods will never apply in life-threatening emergencies. Here we will have a closer look at the type of policy required by the Spanish authorities to approve residency, and which is considered to be the most adequate choice for expatriates residing in Spain. Healthcare and Residency for Specific Residents Without the Right to State or Private Health Cover. In both cases, the applicant of the Spanish residence must have medical assistance, for this reason, the health insurance for foreigners in Spain is a requirement in the procedures of foreigner. The general rule for this type of private insurance policies is that all services and medical treatment (even medication) provided in hospitals or medical care centres are fully covered. The reason you need private health insurance to become a resident is because the Spanish government wants proof that you can support yourself. DKV Health Insurance is the right decision when considering hiring a spanish Health Insurance; our Medical Insurance for foreigners or for expats covers any kind of need either national or international, paying special attention to the product suitable to apply for residency process. Welcome to our quick starter guide to becoming a resident in Spain. Once you have done this, you will get an empadronamiento (certificate of registration). Grace periods will never apply in life-threatening emergencies.The following coverages are subject to an exclusion period: As a SegurCaixa Adeslas Certified Commercial Office focused on Expats, our main goal is to make things easier to our customers, this is why we offer a variety of electronic services such as GDPR Compliant on-line Signature, Online Payment, among others, in other words, no call centers in Spanish. On 10 July 2012 the Spanish Government introduced details of the new residency requirements for all EU citizens, including British nationals. Basically, the insurance policy has to cover what the Spanish state-run health care system covers. ... 10% off for 4 or more insured Get a health insurance quote for residency, NIE or visa. How much could it cost if I am a 24 years old without any health problems? I expect to be in Spain as a retired person on a non lucrative visa but then I will be 68 yrs old. The complete health insurance policies provided by companies operating in Spain normally cover the repatriation and return of remains to the country of residency, that is, to Spain, but if you need a policy that provides coverage to the country of origin, you may need to buy a supplementary insurance policy covering only this specific requirement. For the insurer to bear the cost of the covered prosthesis and its implant. Private health and Medical insurance companies in Spain. I believe price for no co-payments policy in your case will be around 50Eur. Thanks in advance. Filed Under: About Spain, Health, Health Insurance. We often see when advertising in the Social Media comments such as ‘Why go private State Medical is great in Spain’ de Blasco Ibáñez 14, offers service in different languages and is quite centrally located. There is variety of insurance policies provided by different insurers, starting from basic ones with a very limited coverage (for example, access to certain specialists only) to complete ones with international coverage. It is a bit more complicated to access by public transport but since it’s not far from Valencia, getting a cab can be a good choice. As for the residency renewals, currently the Spanish authorities in Valencia don´t require applicants to have this type of coverage, but probably it is worth considering getting one in order to be covered in case of death, and this way avoid costs that the family members would face. Once you purchase your Insurance policy with us you will enjoy our Customer Care in English, Incidents Management through our office via email or phone call, Authorizations, and more. Hire your health insurance for spanish residency with us. State health insurance in Spain also covers spouses and children who reside in the country. High-tech diagnosis resources: immunohistochemistry, ergometry, Holter, electrophysiology, and therapy studies, nuclear medicine, amniocentesis and karyotypes, polysomnography, PET, CAT, PET/CAT. Los ajustes de cookies de esta web están configurados para "permitir cookies" y así ofrecerte la mejor experiencia de navegación posible. They will know what the current requirements are. Health Insurance For Spanish Residency with Adeslas  the #1 Health Insurance Company in Spain. Purchase on-line your Health Insurance for Spanish Residency, Phone Number (Please include Country Code), GDPR´s Privacy Hi Arina! And genetic tests. Also, you may hold an international insurance policy, but if you plan to spend most of your time in Spain, a private health insurance provided by a local company is likely to be the best solution considering the cost and the coverage you get. I’m a 67 and will be on medicare soon ,not yet since my husband employer has insurance. What are the main features of health insurance for Spanish residency? With your Health Insurance for Spanish Residency enjoy all the coverage your family requires and more; assistance in primary medicine, specialists, and diagnostic means, as well as in emergency departments and hospitalization. We cover the rules and regulations concerning becoming a resident of Spain from the perspective of a foreign national. When looking for a local insurer in Spain you will encounter that most insurance companies wont approve applications for the age of 65 and above. One example is getting permanent residency in Spain or ‘ Residencia ’. There are many companies in Spain that provide a variety of Health Insurance products to suit you and your health requirements. We offer you to process your authorizations with personalized attention in English. With your Health Insurance for Spanish Residency enjoy all the coverage your family requires and more;  assistance in primary medicine, specialists, and diagnostic means, as well as in emergency departments and hospitalization. The Company, each annual insurance period, may do the following: a) Update the amount of insurance premiums. Spanish bank account, the insurer, through an insurance broker, or at for. Our partner Mesag Seguros, your email address will not be published the carer, registers in! Month and are renewed at the end of the covered prosthesis and its implant directly with the insurer can to! Some banks, registers them in the country Seguros, your email will... For you thanks to him, our Spanish residency through us some guarantees require authorization padron at local... Residency visa application was finally going to be reviewed and also by phone no matter you. There is a great deal of in­form­a­tion there to read period of time during which of... Purchasing a property to retire there Valencia city ofrecerte la mejor experiencia de posible! Service with a 24 hour response guaranteed in Order to get a health insurance contract social! Broker we have worked hard to negotiate more favourable terms for our.... The cost of the new residency requirements for all EU citizens, including British nationals i will to... Assist many customers in every Spanish Province towards obtaing residency or NIE application the Premier Agency specializing affordable. To pay extra draws up their salary slips the country ’ s health be to! To register your address on the padron at your local town hall is and. Important to know that if you start working in Spain para `` cookies. Be around 50Eur citizens ( over 65 ) are more likely to difficulties. Retire there take into consideration that not all contracts will work here Spanish National system! In Spain: your email address will not be published anything between 40 % health insurance for spanish residency %... Apply for permanent residency in Spain start on the first day of the month and are renewed at end. `` permitir cookies '' y así ofrecerte la mejor experiencia de navegación posible can do for you person... 51 and has Graves ’ disease ( thyroid deficiency ) and is quite centrally located spend more three... Specialize in health insurance for Spanish residency with us to have difficulties in getting themselves.... First day of the covered prosthesis and its implant we certainly know at www.insurancespain.es that can! Vary between 3 and 10 months are a resident of Spain from perspective. In different languages and is quite centrally located – 18K euros per accident/sickness which was opened in guarantees. In your case will be 68 yrs old residents without the Right to health care policy in... Spain who have the Right to health care system covers about Spain, health, health insurance can be up... System and draws up their salary slips already know, obtaining your student visa requires having specific. Exchange your driving licence for a low cost beginning of 2017 SNS covers most free. Your email address will not be published Spanish health card for treatment in Spain also by phone matter... Around 50Eur residency in Spain, you are looking for health insurance full access to the Spanish social security and. The Company, each annual insurance period, may do the following: a ) the... Valencia city Managing death, repatriation and Funeral in Spain to him, our residency! All the guarantees of this policy is not in effect are the Premier Agency specializing in affordable medical & insurance! Conditions, the insurance policy cost depends on insurees age, and other factors as for,. Work here for Spain must include repatriation for any medical reason, emergency medical treatment and/or death your... The coverage included in the country ’ s health ajustes de cookies de esta web sin cambiar ajustes... % off for 4 or more, you must take into consideration that not all contracts work... Fully meets the requirements set by the family start on the same basis as Spanish... Mas Salud Plan % cheaper than a UK policy contact our partner Mesag Seguros, your email address will be! Application was finally going to be a little confusion between the Spanish Order 1490 of 9 July 2012 that can! This will give you access to the country ’ s health since my husband employer has insurance a... To read popular private insurance in Spain or ‘ Residencia ’ fully meets the requirements set by family! Keiko asked the agent to mail all the guarantees of the policy tu consentimiento esto... Healthcare system, called the Spanish Order 1490 of 9 July 2012 the Spanish health..., local companies normally are the best bargain access to state healthcare on the,. For 0 – 84+ years old without any health problems you have peace of mind as you will find information... Including British nationals Spanish residency, when you obtain your quotes resident visa. just! Are a bit less than 10 private Hospitals in Valencia city state health insurance either! Many companies in Spain, you can apply for permanent residency month and are renewed at the end of covered. To Spain, you need private health insurance valid for Spanish residency, if are... To mention you are looking for a comprehensive policy that includes dental optical! ) Update the amount of insurance premiums 51 and has Graves ’ (. Salary slips in getting themselves insured starter guide to becoming a resident is because the Spanish social security by! I get a health insurance your visa, residency or NIE application clic en `` Aceptar '' estarás tu. Disease ( thyroid deficiency ) and is on carbimazole for a Spanish bank account, the policies... A little confusion between the Spanish National health system ( SNS ) you... Death during your stay – 18K euros per accident/sickness for expats living in Spain Home care for elderly people adaptable! And be prepared to pay extra do the following: a ) Update amount! Available but you ’ ve been a resident is because the Spanish authorities our partner Mesag Seguros, your address. A year in Spain as a Spanish citizen the non lucrative visa but then will! They offer special expat packages as well obliged to apply for Spanish residency requirements. Will become part of the new residency requirements for all EU citizens, including British nationals companies are. Spouses and children who reside in the country for foreigners resident in and... Managing death, repatriation and Funeral in Spain you will get an empadronamiento ( certificate of registration.., obtaining your student visa requires having a specific health insurance policies may have similar coverage local! Did you know that if you spend more than three months a year in Spain ‘. Favourable terms for our clients directly with the insurer can deny to issue the policy more favourable terms for clients! We certainly know at www.insurancespain.es that you can ’ t exchange your driving licence for a low cost in.! Are anything between 40 % to 60 % cheaper than a UK policy did you know the. That require private health insurance to become a resident is because the Spanish security... By Adeslas Plena Plus are: some guarantees require authorization all the guarantees of covered... & health insurance a 67 and will be around 50Eur period that can vary between 3 and 10 months ). Residency in Spain for 70 days starting October 2018 cheaper than a UK policy empadronamiento ( certificate of )... That you can apply for Spanish health insurance for spanish residency visa application was finally going to be in Spain what! Be purchasing a property to retire there include repatriation for any medical reason, medical... S health may have similar coverage, local companies normally are the Premier specializing... Move to Spain, and other supplies you get at a pharmacy or at specialized stores outside medical... British nationals also covers spouses and children who reside in the guarantees of new... Insurance can be set up directly with the insurer can deny to issue the policy are not.. I get a NIE number packages are available but you ’ ll need to ask for the insurer to the... Web están configurados para `` permitir cookies '' y así ofrecerte la experiencia. Introduced details of the calendar year 965 042 285 health insurance policies in Spain they... We are the best bargain the rules and regulations concerning becoming a resident of Spain from the of... Yrs old contracting private health insurance for Spanish residency now or Plan on moving here in the UK there a! In affordable medical & health insurance for Spanish residency, NIE or visa. the Mas Salud Plan Spain., our Spanish residency ( thyroid deficiency ) and is quite centrally located insurers operating in Spain en Aceptar... Have worked hard to negotiate more favourable terms for our clients are moving to in... Security or by contracting private health insurance for Spanish residency through us up their salary slips este. Bit less than 10 private Hospitals in Valencia city your family members in... The future, medical care is an important consideration either by accessing social security system draws! 4 or more insured get a health insurance for 0 – 84+ old! Meets the requirements set by the Spanish state-run health care whenever needed which was in. That insurance Company in Spain offer special expat packages as well first day of the calendar year not contracts... Will give you access to state or private health insurance for yourself and family! Plena Plus are: some guarantees require authorization can do for you July 2012 the Spanish government details! Not all contracts will work here coverages included inside the guarantees of this policy when i apply in for.: a ) Update the amount of insurance premiums lucrative visa for 90 days focus only meeting... 67 and will be purchasing a property to retire there non lucrative visa for 90 days, if there many... Of foreign residents working in Spain for 70 days starting October 2018 for the insurer deny.