{"id":7113,"date":"2026-05-25T13:05:22","date_gmt":"2026-05-25T13:05:22","guid":{"rendered":"https:\/\/grupoxandra.eu\/?p=7113"},"modified":"2026-06-04T14:05:13","modified_gmt":"2026-06-04T14:05:13","slug":"ziektekostenverzekering-in-spanje","status":"publish","type":"post","link":"https:\/\/grupoxandra.eu\/en\/2026\/05\/25\/ziektekostenverzekering-in-spanje\/","title":{"rendered":"From Belgium to Spain: what changes for your health insurance when you become a resident?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>\u201cI'm just covered by my health insurance, even in Spain, right?\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It's a logical thought for anyone used to the Belgian system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet a <a href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\">health insurance in Spain<\/a> often fundamental once you officially become a resident. The transition from the Belgian to the Spanish healthcare system brings significant changes, both in terms of social security and supplementary insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A good understanding of these differences will help you avoid unpleasant surprises and organize your medical care correctly.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">How does the system work in Belgium?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Belgium, healthcare is supported by two main pillars that jointly cover your medical expenses.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">1. The mutual insurance (social security)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The mutual insurance fund (like CM, Solidaris, Helan, ...) handles reimbursements within the social security system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a <strong>large part<\/strong> of yours <strong>medical costs<\/strong> becomes <strong>refunded<\/strong><\/li>\n\n\n\n<li>u <strong>access<\/strong> has <strong>to doctors, specialists, and hospitals<\/strong><\/li>\n\n\n\n<li>you for this one <strong>annual contribution paid<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Important to understand:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Social security never covers the full cost.<\/strong> Especially with hospitalizations, personal costs can still be significant.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">2. Hospitalization insurance (supplementary)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To cover these residual costs, many people take out hospitalization insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can <strong>via<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a <strong>private insurer<\/strong><\/li>\n\n\n\n<li>of <strong>mutual insurance<\/strong><\/li>\n\n\n\n<li>or via a <strong>employer<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Private insurance offers<\/strong> usually <strong>broader safeguards and more comfort.<\/strong><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What does hospitalization insurance cover?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A hospitalization insurance covers <strong>costs not covered by mutual insurance,<\/strong> such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hair growth supplements<\/strong><\/li>\n\n\n\n<li><strong>cost<\/strong> for a <strong>single room<\/strong><\/li>\n\n\n\n<li><strong>medication<\/strong> and <strong>additional costs<\/strong><\/li>\n\n\n\n<li><strong>Pre- and post-hospitalization<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you opt for a single room, doctors are free to set their own consultation fees. This can lead to significantly higher costs, which can be a heavy burden without insurance.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Temporary stay in Spain<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As long as you officially reside in Belgium, your Belgian system will apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the&nbsp;<strong>European disease map<a href=\"https:\/\/www.seg-social.es\/wps\/portal\/wss\/internet\/Trabajadores\/PrestacionesPensionesTrabajadores\/10938\/11566\/1761\/1761_resumen\" target=\"_blank\" rel=\"noopener\">European Health Insurance Card<\/a>)<\/strong>&nbsp;Do you have <strong>Right to necessary medical care during a temporary stay <\/strong>in Spain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attention:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>this only applies to&nbsp;<strong>temporary stay<\/strong><\/li>\n\n\n\n<li>and <strong>simple<\/strong> for <strong>necessary<\/strong> care<\/li>\n\n\n\n<li>not for a permanent move<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What changes for your health insurance in Spain when you become a resident?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you officially establish yourself in Spain, your situation fundamentally changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From that moment on <strong>walt<\/strong> also <strong>your health insurance in Spain under a completely different system<\/strong> and in Belgium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where most misunderstandings arise in practice.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The overview below clarifies the important difference between temporary stay in Spain and official residency.<\/p>\n\n\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Are you retired?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are retired and receive a Belgian (or European) pension, you have <strong>usually direct access to Spanish public healthcare<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is happening <strong>via registration <\/strong>an award of the&nbsp;<strong>SIM card<\/strong>&nbsp;(<em>Population Information System<\/em>).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What does this mean in concrete terms?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you get <strong>access<\/strong> until&nbsp;<strong>public healthcare<\/strong>&nbsp;in Spain<\/li>\n\n\n\n<li>In certain cases, you retain rights to care in Belgium<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Important:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>of <strong>access<\/strong> is valid <strong>only within the public system<\/strong><\/li>\n\n\n\n<li>private care is not included<\/li>\n\n\n\n<li><strong>Waiting times and organization differ from Belgium<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To fully understand what exactly is changing, it is important to first <a href=\"https:\/\/grupoxandra.eu\/en\/2026\/02\/10\/gezondheidszorg-in-spanje-uitgelegd-wat-is-anders-dan-in-belgie-en-nederland\/\">understanding how healthcare is structured in Spain and why it works differently from Belgium.<\/a><\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Are you not retired yet?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Then different rules apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You have <strong>simple right to Spanish social security<\/strong> (<em>Seguridad Social<\/em>if you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>works<\/strong> at <strong>Spain<\/strong><\/li>\n\n\n\n<li>and <strong>contributions pays<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you are not working<\/strong>, you must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>demonstrate<\/strong> that you over <strong>sufficient financial resources<\/strong><\/li>\n\n\n\n<li>and one&nbsp;<a href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\"><strong>private health insurance<\/strong>&nbsp;<strong>close<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, this means that a <strong>Private insurance often necessary<\/strong> is <strong>to arrange your residence.<\/strong><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What happens to your Belgian hospitalization insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is a crucial point of attention.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In most cases:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>expires<\/strong> Your Belgian hospitalization insurance <strong>once you become a resident in<\/strong> the <strong>abroad<\/strong><\/li>\n\n\n\n<li>because it is linked to your place of residence and social security<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you continue to pay the premium:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can the intervention be limited<\/li>\n\n\n\n<li>or completely disappear<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is therefore essential to check this in advance with your insurer or mutual insurance company.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Belgium vs. Spain: how does health insurance work in Spain?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An important difference lies in the way insurance is structured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that health insurance in Spain works fundamentally differently than many Belgians expect.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Belgium<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>hospitalization insurance&nbsp;<strong>supplementary social security<\/strong><\/li>\n\n\n\n<li>Focus on costs after intervention by health insurance<\/li>\n\n\n\n<li>primarily focused on hospitalization<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Spain<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>private insurance&nbsp;<strong>Full access to healthcare<\/strong><\/li>\n\n\n\n<li>covers not only hospitalization, but also:\n<ul class=\"wp-block-list\">\n<li>general practitioner<\/li>\n\n\n\n<li>specialists<\/li>\n\n\n\n<li>research<\/li>\n\n\n\n<li>therapies<\/li>\n\n\n\n<li>outpatient care<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>often works within a network of private clinics<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that in Spain you have a&nbsp;<strong>broader care package<\/strong>&nbsp;covers, and not just the \u201cremainder costs\u201d as in Belgium.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The overview below clarifies the difference between the Belgian and Spanish systems:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Component<\/th><th>Belgium<\/th><th>Spain<\/th><\/tr><\/thead><tbody><tr><td><strong>Basic healthcare<\/strong><\/td><td>Mutual aid\/social security<\/td><td>Public healthcare through the Spanish system<\/td><\/tr><tr><td><strong>Supplemental insurance<\/strong><\/td><td>Hospitalization insurance as a supplement<\/td><td>Private health insurance as broader access to care<\/td><\/tr><tr><td><strong>Coverage<\/strong><\/td><td>Especially focused on hospitalization and residual costs<\/td><td>Also general practitioners, specialists, examinations, therapies, and outpatient care<\/td><\/tr><tr><td><strong>At the residence<\/strong><\/td><td>Belgian coverage may be limited or expire<\/td><td>You are covered by the Spanish system<\/td><\/tr><tr><td><strong>Important point of attention<\/strong><\/td><td>Check your mutual insurance and hospitalization insurance.<\/td><td>Connecting on time prevents exclusions and waiting times.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Why Belgian and Spanish insurance policies are difficult to compare<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although some insurers operate in both countries, their products function completely differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To tap into a different healthcare system<\/li>\n\n\n\n<li>the role of social security differs<\/li>\n\n\n\n<li>the coverage is much more extensive in Spain<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, a direct comparison is often misleading.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Preservation of Rights in Belgium<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In certain cases, specific formulas exist to maintain a connection with Belgium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>additional plans that continue to provide coverage in Belgium<\/li>\n\n\n\n<li>specific international formulas<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The conditions for this vary greatly and require an individual assessment.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">The Importance of Timely Connection in Spain<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most underestimated aspects of moving.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Private health insurance in Spain works with:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>medical acceptance<\/strong><\/li>\n\n\n\n<li><strong>Exclusions<\/strong> from <strong>pre-existing conditions<\/strong><\/li>\n\n\n\n<li><strong>waiting times<\/strong> (<em>shortage<\/em>)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Practical implications<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Not everyone is automatically accepted<\/strong><\/li>\n\n\n\n<li><strong>pre-existing conditions<\/strong> can <strong>to be excluded<\/strong><\/li>\n\n\n\n<li>New health problems can affect your coverage.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Wait until after the move or until health problems arise<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>is currently <strong>greater risk of limitations<\/strong><\/li>\n\n\n\n<li><strong>or even refusal<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Many people only realize this when it's too late.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even people without health problems often underestimate <a href=\"https:\/\/grupoxandra.eu\/en\/2026\/03\/25\/private-zorgverzekering-in-spanje-heeft-u-die-nodig-als-u-gezond-bent\/\">how important timely connection can be<\/a>.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The overview below shows why timely registration with a health insurance provider in Spain is so important.<\/p>\n\n\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Summary<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Belgian system consists of a health insurance fund and supplemental hospitalization insurance<\/li>\n\n\n\n<li>Social security never covers all costs<\/li>\n\n\n\n<li>The EHIC is only valid for temporary stays in Spain<\/li>\n\n\n\n<li>When residing in Spain, you are subject to the Spanish system.<\/li>\n\n\n\n<li>Retirees can access public healthcare using the SIP card<\/li>\n\n\n\n<li>Non-pensioners often need private insurance<\/li>\n\n\n\n<li>Belgian hospitalization insurance policies usually expire upon relocation.<\/li>\n\n\n\n<li>Spain works with a broader insurance model than Belgium<\/li>\n\n\n\n<li>Timely connection prevents exclusions and risks<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">In conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The move from Belgium to Spain means not only a change of environment but also of healthcare system. While Belgium relies heavily on social security with supplementary insurance, Spain requires a different approach and more individual preparation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By understanding how your health insurance works in Spain beforehand, you will prevent uncertainty and maintain control over your medical care, both today and in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Are you unsure which health insurance in Spain best suits your situation? <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We would be happy to review your personal situation together.<\/strong>, so you know what your options are. <a href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\"><strong>Fill in the form<\/strong> <\/a>or send us a <strong>Email via<\/strong> <strong>salud@grupoxandra.eu<\/strong> so that we can together <strong>look at which solution best suits your situation<\/strong>.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Frequently Asked Questions<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-container-core-details-is-layout-7e6ef1b6 wp-block-details-is-layout-flow\"><summary><strong>Is my Belgian health insurance automatically valid in Spain?<\/strong><br><\/summary>\n<p class=\"wp-block-paragraph\">No. During a temporary stay in Spain, you can use the European Health Insurance Card (EHIC) for necessary medical care. Once you officially become a resident in Spain, your situation changes and you will fall under the Spanish system.<\/p>\n<\/details>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-container-core-details-is-layout-7e6ef1b6 wp-block-details-is-layout-flow\"><summary><strong>As a resident in Spain, do I need private health insurance?<\/strong><br><\/summary>\n<p class=\"wp-block-paragraph\">That depends on your situation. Pensioners with a Belgian or European pension generally have access to Spanish public healthcare through the SIP card. Non-pensioners often need private health insurance, especially if they do not have access to Spanish social security through work.<\/p>\n<\/details>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-container-core-details-is-layout-7e6ef1b6 wp-block-details-is-layout-flow\"><summary><strong>Will my Belgian hospitalization insurance remain valid after moving to Spain?<\/strong><br><\/summary>\n<p class=\"wp-block-paragraph\">In many cases, no. Belgian hospitalization insurance policies are often linked to your place of residence and social security in Belgium. Even if you continue to pay the premium, coverage may be limited or voided if you are officially a resident of Spain.<\/p>\n<\/details>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-container-core-details-is-layout-7e6ef1b6 wp-block-details-is-layout-flow\"><summary><strong>Why is it important to take out health insurance in Spain in a timely manner?<\/strong><br><\/summary>\n<p class=\"wp-block-paragraph\">Private health insurance plans in Spain often require medical underwriting and have waiting periods (<em>shortage<\/em>) and possible exclusions for pre-existing conditions. Those who wait too long risk limitations or denial of coverage.<\/p>\n<\/details>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Are you unsure which health insurance in Spain best suits your situation?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We help Dutch people and other expats daily in choosing a suitable health insurance in Spain. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This way, you'll know exactly what your options are in advance and won't be caught by surprise.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\">Fill out the form at your convenience.<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">or send an email to <a href=\"mailto:salud@grupoxandra.eu\" target=\"_blank\" rel=\"noreferrer noopener\">salud@grupoxandra.eu<\/a> for personal advice and more information.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u201cIk ben toch gewoon verzekerd via mijn mutualiteit, ook in Spanje?\u201d Het is een logische gedachte voor wie gewend is aan het Belgische systeem. Toch verandert een ziektekostenverzekering in Spanje vaak fundamenteel zodra u officieel resident wordt. De overgang van het Belgische naar het Spaanse zorgsysteem brengt belangrijke veranderingen met zich mee, zowel op vlak [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7158,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[46],"class_list":["post-7113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gezondheid-ziektekosten","tag-hoofdartikel"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7113","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=7113"}],"version-history":[{"count":9,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7113\/revisions"}],"predecessor-version":[{"id":7184,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7113\/revisions\/7184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media\/7158"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=7113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/categories?post=7113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/tags?post=7113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}