Find the Best Health Insurance for Expats in Spain

Moving to a new country can be stressful, but securing health insurance should not be one of your worries. Enjoy the beauty of Spain!

Accede a la versión en Español aquí.

Finding a good health insurance is crucial for anyone, but especially for expats living in a foreign country. It is important to research and compare health insurance options to find a plan that meets your needs and budget.

As a foreigner in Spain, you will need to get a health insurance if you are planning to stay in the country for more than 90 days. Doing so with a local insurance agency with a broad experience in this area may be a wise choice.

This article will help you determine the best health insurance plan for your needs. We will also outline the requirements for health insurance to apply for a temporary or permanent residence in Spain. Make an informed decision about your health insurance coverage by reading on.

Or you can go directly to our Health Insurance for expats form.

Impressionism drawing of waiting room at the doctor

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Health insurance requirements for Residence permit or Visa in Spain

Are you planning to apply for temporary or permanent residence in Spain and wondering what health insurance requirements you need to meet? Look no further! Here you will find the health insurance requirements for visa, temporary and permanent residence in Spain for both EU and non-EU citizens:

Health insurance requirements for temporary residence in Spain (more than 90 days).

EU citizens: EU citizens are generally required to have a European Health Insurance Card (EHIC) or a private health insurance policy that covers them in Spain.
Non-EU citizens: Non-EU citizens may be required to have a private health insurance policy that covers them in Spain, or to show proof of coverage through their employer or a public health insurance program in their home country.

Health insurance requirements for PERMANENT residence in Spain.

EU citizens: EU citizens are generally required to have a European Health Insurance Card (EHIC) or a private health insurance policy that covers them in Spain.
Non-EU citizens: Non-EU citizens may be required to have a private health insurance policy that covers them in Spain, or to show proof of coverage through their employer or a public health insurance program in their home country. Additionally, they may be required to enroll in the Spanish public health insurance system, known as the Seguridad Social.

There are also some exceptions to the health insurance requirements:

Pensioners: Pensioners who are residents of Spain and receive a pension from a country within the EU, EEA, or Switzerland may be able to use their EHIC for health coverage.
Students: Students who are residents of Spain and studying at a recognized educational institution may be able to use their EHIC for health coverage.

Health Insurance Coverage Requirements for Residence Permit or Visa in Spain

In order to apply for a residence permit or visa in Spain as a foreigner, your health insurance may be required to meet certain conditions, including:

Minimum coverage: The health insurance must provide a minimum level of coverage for medical consultations, diagnostic tests, and hospital stays or transfers.
Duration of coverage: it must be valid for the entire duration of the residence permit or visa.
Geographical coverage: The health insurance must provide coverage in Spain.
No Exclusions and copays: The health insurance should not have any exclusions or limitations on coverage, and should not include copay or deductible requirements for medical services.
Acceptance by the Spanish healthcare system: The health insurance must be accepted by the Spanish healthcare system, including public hospitals and clinics.
Language: The health insurance policy and any related documents should be written in Spanish or translated into Spanish.
Proof of coverage: Expats may be required to provide proof of health insurance coverage, such as a policy certificate or letter from the insurance company.

It is important for expats to carefully review the specific health insurance requirements for obtaining a residence permit or visa in Spain, we can help you understand and follow all the necessary steps to apply for you residence permit of visa in Asturias and Spain.

AXA Health Insurance for expats in Asturias

If you're an expat living in Asturias or in Spain and considering your health insurance options, you may have come across AXA. In this section, we will provide an overview of the health insurance for expats that AXA offers to all foreigners living in Spain.

As a multinational insurance company, AXA offers a range of health insurance plans for expats living in Asturias. With a global network of hospitals and doctors, AXA is well-equipped to provide coverage for expats who may be far from home. (Take a look at the AXA medical directory in Asturias)
AXA health insurance plans provide high-quality private assistance covering for medical consultations, diagnostic tests, treatments, hospital stays and more. Our health insurance includes access to AXA’s online health care platform with English-speaking doctors.
The cost of AXA health insurance for expats in Asturias will depend on the specific plan chosen and the level of coverage desired. Premiums may be higher for expats with preexisting conditions or those who opt for more comprehensive coverage.

Pros and cons of AXA health insurance for expats in Asturias

While AXA may have some advantages, it is important to carefully consider both the pros and cons of choosing AXA health insurance. In this section, we will outline the benefits and drawbacks of AXA health insurance for foreigners in Asturias.

Pros

Wide network of hospitals and doctors: AXA has a wide network of hospitals and doctors in Spain, including the main hospitals and health centers in Asturias (Gijón, Oviedo, Avilés).
High level of customer service: AXA and our agency are known for providing excellent customer service, including help with finding doctors and making appointments.
Coverage for preexisting conditions: Our health insurance plans may cover preexisting conditions (with a higher premium), which can be difficult to find with other insurance providers.
Multilingual support: AXA has multilingual support available, which may be helpful for expats who do not speak Spanish as their primary language. Our agency also provides support in different languages like English, French or Italian.

Cons

Higher premiums: AXA health insurance premiums may be slightly higher compared to other insurance providers, especially for expats with preexisting conditions.
Exclusions in coverage: It is important to carefully review the specific coverage offered in the contract, as there may be exclusions or limitations on certain types of medical treatments or services.

Conclusion

In conclusion, it is essential for expats living in Spain to have a proper health insurance plan in place. Whether you are seeking temporary or permanent residence, it is important to understand the health insurance requirements and coverage needed in order to obtain a visa or residence permit.

If you're an expat living in Asturias, Spain and in need of health insurance, look no further than AXA and our insurance agency. With a wide network of hospitals and doctors in Asturias and all-across Spain, excellent customer service, and comprehensive coverage options, AXA is a top choice for people like you.

Our insurance agency is a local company with a broad experience in providing health insurance for expats in Spain, and we can help you find the best health insurance plan to meet your specific needs and budget.

Don't risk being left with unexpected medical expenses – contact our insurance agency today to get a quotation and secure the best health insurance coverage with AXA.