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Health & medical insurance in Spain

Helping you access care when you need it

Choosing healthcare in Spain

If you’re moving to Spain to live or work, you’ll have plenty of things to sort out both before and after you move. So when it comes to your health, it’s worth knowing that you have two main options – the public health service (SNS) or private health insurance. Many expats qualify for SNS healthcare, but for those who don’t, there are also private healthcare options available.

Accessing healthcare in Spain: your options

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SNS healthcare system

If you qualify for the public health service, you’ll be able to access free treatment whenever you need it. But you will need to pay part of the cost of prescriptions and any dental treatment you have.

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State insurance

If you don’t qualify for SNS healthcare – for example if you retired early and don’t make social security contributions – you could access SNS facilities by paying monthly for basic state-provided insurance called Convenio Especial.

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Local health insurance

Many expats buy health insurance from a Spanish health insurance provider such as AXA Seguros. This allows you to choose a level of cover that’s right for you.

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Paying for treatment yourself

If you don’t have any insurance and don’t qualify for the SNS, you will have to pay for your treatment. This can get very expensive very quickly.

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International health insurance

If you travel regularly and need access to international-standard healthcare both in Spain and in other countries, an international health plan can give you cover around the world.

Is travel insurance different to international health insurance?

Travel insurance is designed to cover you for short periods of time such as holidays. It may not cover you if you don’t have a plan to go home again.

Find out more

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Is international health insurance the right choice for you?

International health insurance from AXA gives you the confidence that you’re covered in Spain and around the world. So no matter how often you travel, and no matter how long you stay in each country, we’ll be there to help you whenever you need us. 

If you’re moving to live in Spain permanently and don’t plan on travelling to other countries often, international health insurance may be more cover than you need.

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Wherever you are, we’re at your side

Our plans are designed for people who want an international standard of healthcare cover. Our global reach means you can access treatment wherever you go, and if you ever need help to arrange direct billing for your treatment or have questions about your claim, just give our multilingual team a call, day or night.

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Getting you to emergency treatment – no matter how remote

We include evacuation and repatriation on all our international healthcare plans. So if you fall ill or are injured, and there’s no treatment available nearby, we’ll get you to the nearest medical facility – and back again once you’re feeling better.

Interested in AXA’s international health plan?

See if it ticks your boxes: 

  • Globally recognised cover from one of the world’s leading insurers.
  • Fast access to healthcare no matter where you happen to be.
  • The option of worldwide cover.
  • Emergency cover all around the world.
  • An experienced multi-lingual team available day and night to help you arrange direct billing or help you with a health query.
  • We’ll evacuate you in an emergency if you can’t get the care you need locally.

If that sounds like the kind of reassurance you’d like, take a look at our international health insurance plan.

Get a quote today

Give us a call on +44 (0)1892 596418*.

Short term cover

Need cover for 3 to 11 months?

If you’re living or working internationally for less than a year, take a look at our short term health insurance plan. It gives you all the benefits of our Standard cover level, but for a shorter time. So whether you’re only away for a few months, still weighing up your options or you want cover while you apply for your local state healthcare system, our short term plan could be ideal.

Virtual doctor service

Virtual Doctor service from AXA. See a real doctor, virtually anywhere

Whether you’re feeling unwell, have a general worry you’d like to talk about, or just need clarity on something like vaccination requirements our Virtual Doctor service is here for you. You can have a medical consultation with a real doctor wherever you are in the world.

*Lines are open Monday to Friday, 8am-5pm (GMT).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.