As a self-employed person in Spain, you are responsible for your health as well as that of your business. Public health care often offers long waiting times and limited access to modern treatments. For entrepreneurs who cannot simply stop their work, this is a major risk. With a private health insurance in Spain you are assured of immediate access to the best care, so you can get back to work quickly without unexpected costs.
Every self-employed person has a different situation and different priorities. That's why we help you choose a health insurance policy that suits your activity, your family and your budget.
Comprehensive coverage for your health
With private health insurance, you get much broader coverage than through public health care. For example, you are insured for such things as:
- GP visits and nursing
- Direct access to specialists
- Hospitalizations and surgeries
- Transplants and prostheses
- Emergency room
- Treatments and therapies
- Medical examinations and rehabilitation
- Possibly also medicines and medical devices
This means you always have access to the right care, exactly when you need it.
Quick access to private clinics and specialists
As a self-employed person, you cannot afford long waiting periods. With private health insurance, you have direct access to an extensive network of private hospitals and specialists in Spain. So you get the care you need, without wasting time, and often even in your own language.
International coverage and travel assistance
Your work may also take you outside of Spain. This is why health insurance does not only apply in Spain, but also internationally. You benefit from coverage for medical emergencies and repatriation, wherever you are. So you can travel with peace of mind for business or leisure, knowing that you are insured worldwide.
Personal guidance from GrupoXandra
GrupoXandra has been assisting self-employed people in Spain for more than 20 years. From advice and quotation to handling medical expenses, we provide clear explanations and personal service in your own language. So you know you can always count on a partner who understands your interests.
Apply now for your health insurance in Spain
Are you self-employed in Spain and want assurance that you always have access to top care? Request a no-obligation quote today. Together we will make sure you and your family are assured of the best medical care, so you can continue your business without worry.
Do you have any questions? Here are the answers
Why is private health insurance important for the self-employed?
Because the self-employed when ill often no salary payment get and it is crucial to have quick access to medical care and get back to work.
What does insurance cover that public care does not?
Among other things direct access to specialists, modern treatments, private clinics with no waiting times, and expanded coverage for exams and surgeries.
Can I co-insure my family?
Yes. You can use your partner and children include in the same policy, often at a more advantageous rate than separate policies.
Are hospitalizations fully covered?
Yes, both admissions, surgeries, intensive care as rehabilitation fall within the coverage.
How does emergency room coverage work?
In the event of an accident or serious illness, you will receive immediate emergency admission and medical assistance, including nights and weekends.
Does the insurance also apply outside of Spain?
Yes, there is international coverage and travel assistance, ideal for business trips or temporary stays abroad.
Are drugs or devices included?
Depending on the policy, also medications, eyeglasses, hearing aids or other devices co-insured.
As a self-employed person, can I deduct the premium for tax purposes?
In many cases yes: self-employed workers in Spain can Health insurance partially tax deductible.
Are preventive examinations also included?
Mostly within days, without a referral from a general practitioner, rather than weeks or months in public care.
How soon can my health insurance start?
Yes. Many policies cover Annual check-ups, blood tests and preventive health checks.
What happens if I become ill for an extended period of time?
The insurance pays all medical expenses. For income protection, you can combine this with a disability insurance.
Are self-employed individuals with pre-existing conditions also welcome?
Yes, but sometimes with exclusions or waiting periods. GrupoXandra will help you choose the right airline.
How do I arrange payments of medical expenses?
Usually through a direct payment system with the clinic, so you don't have to advance anything. Only in exceptions do you pay yourself and get a quick refund.
In what languages can I get service and explanations?
The policy documents are available in Spanish and often English. GrupoXandra guides you in Dutch, English, German, French and Spanish.
Why do self-employed people choose GrupoXandra?
Because we have been helping expats for more than 20 years with rapid access to care, personalized counseling and multilingual explanations, so you can fully focus on business.