Here is an overview of some of the six best health insurance for expats companies we know of. I have used Aegon myself since 2017 and I can refer you to my sales rep. However, I did have a bad experience when I needed a heart MRI scan. Otherwise the service is fine for annual checkups with my doctor.
Table of Contents
1. Sanitas Health Insurance
Sanitas is one of the most well-known health insurance providers in Spain, especially popular among expats. It offers a wide range of plans tailored to different needs, including comprehensive coverage, dental care, and plans that provide access to their extensive network of private hospitals and clinics. Sanitas is part of Bupa, a global healthcare group, which adds to its reliability and trustworthiness. Visit https://www.sanitasexpat.com/
- Value for Money: Plans start from €34 per month.
- Flexible Insurance Options: Choose from short-term or long-term contracts that cover all aspects of your stay in Spain and Europe.
- Multilingual Healthcare: Access doctors and specialists who speak English, German, French, Italian, Portuguese, and Spanish, allowing you to select the best provider for your needs.
- Convenient Payment Options: No Spanish bank account required. Multiple payment methods accepted. No co-payments or waiting periods. Repatriation included.
- Worldwide Travel Coverage: Sanitas offers worldwide travel insurance as an additional benefit to their health insurance policies, providing coverage when you’re outside Spain.
2. Adeslas Health Insurance
Adeslas is another leading health insurance provider in Spain, offering extensive coverage options. It has a large network of healthcare professionals and facilities. Adeslas provides various plans, from basic to more comprehensive packages, ensuring that expats can find suitable coverage according to their needs. Visit https://www.segurcaixaadeslas.es/en/individuals/medical-insurance
- Value for Money: Plans start from €39 per month.
- Flexible Insurance Periods: Choose a coverage period that suits your specific needs, ranging from 3 months to 5 years.
- Multilingual Customer Service: Our website is available in English, and we provide pre- and post-purchase support in English to assist you every step of the way.
- Multiple Payment Options: No Spanish bank account required. We accept payment with any debit or credit card and offer automatic order management.
- Worldwide Travel Insurance Coverage: Unlike other Spanish insurance providers, our health insurance includes coverage for emergency costs, travel delays, baggage loss, and over 30 travel-related services worldwide (excluding Spain and your home country).
3. Asisa Health Insurance
Asisa is a cooperative health insurance company with a strong presence in Spain. It offers a wide range of health insurance plans, including comprehensive medical coverage, dental insurance, and international coverage options. Asisa is known for its high-quality service and extensive network of healthcare providers. Visit https://asisahealthinsurance.asisa.es/
- Value for Money: Plans start from €60 per month.
- Flexible Coverage Periods: Asisa’s policies are designed to meet the diverse needs of expats, offering flexible coverage periods. This flexibility is ideal for those in Spain for varying durations, whether for short-term stays or longer residency plans. The insurance can be tailored to match the length of your stay, ensuring you’re covered for exactly the time you need, without unnecessary extensions.
- Multilingual Customer Service: Asisa provides multilingual customer service, a key benefit for expats who may not be fluent in Spanish. Assistance is available in multiple languages, making it easier for policyholders to manage their healthcare needs and reducing stress in navigating the system.
- Worldwide Travel Insurance: Beyond local coverage, Asisa’s expat insurance includes worldwide travel insurance. This feature is particularly valuable for expatriates who travel frequently, ensuring they are protected not only in Spain but also during their international journeys.
4. DKV Seguros Health Insurance
DKV Seguros is part of the international insurance group Munich Health. It offers a variety of health insurance plans tailored to different needs, including individual, family, and international plans. DKV is known for its high-quality customer service and comprehensive coverage options. Visit https://eng.dkv.es/particulares
- Value for Money: Plans start from €89 per month.
- Flexible Insurance Periods: DKV provides adaptable insurance terms to suit the length of your stay in Spain, whether it’s short-term or long-term.
- Compliance with Visa/NIE Requirements: DKV’s insurance plans meet all consulate requirements for visa applications and renewals, making them a convenient choice for expats.
- Comprehensive Coverage: The plan offers extensive coverage comparable to Spain’s public health system, including emergencies, consultations, diagnostic tests, surgeries, and hospitalizations.
- Unlimited Coverage Within Spain: There is no cap on covered expenses within the country.
- Immediate Coverage: Coverage begins immediately, with no waiting period, as soon as the policy is activated.
- Repatriation of Remains: This important benefit is included, offering peace of mind to expats and their families.
5. Mapfre Health Insurance
Mapfre is one of the largest insurance companies in Spain and offers a variety of health insurance plans for individuals, families, and expats. Their plans typically include extensive medical coverage, access to a large network of healthcare providers, and additional services such as medical advice and second opinions. Visit https://www.mapfre.es/insurance/
6. Cigna Global Health Insurance
Cigna Global is an international health insurance provider that offers tailored plans for expats living in Spain. Their plans are known for being highly flexible, allowing customers to choose their level of coverage, including options for outpatient care, inpatient care, medical evacuation, and wellness benefits. Visit https://www.cignaglobal.com/
Factors to Consider When Choosing Health Insurance for Expats:
- Coverage: Ensure the plan covers the services you need, such as GP visits, specialist consultations, hospitalisation, emergency care, and prescription drugs.
- Network: Check if the insurer has a good network of healthcare providers in your area.
- Cost: Compare premiums, deductibles, co-pays, and out-of-pocket maximums.
- Customer Service: Look for reviews and feedback regarding the insurer’s customer service and claims process.
- Additional Benefits: Consider any extra benefits, such as dental coverage, wellness programs, or international coverage.
- Language Support: Ensure the insurer offers customer service and documentation in your preferred language.
These companies are highly regarded and provide various options suitable for expats. When choosing health insurance, it’s essential to compare plans based on your specific needs and circumstances.
If you have any questions, don’t hesitate to message us or stay connected via our Facebook and Instagram pages. Cheers, Kent.
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