Living or working in Spain is a dream for many, but a reliable health insurance remains indispensable. The public health care in Spain is not comparable to what you are used to in the Netherlands or Belgium. There are long waiting times and very limited access to modern healthcare services. This is why many expats choose private health insurance in Spain. This way you are assured of direct access to the best care, without unexpected costs.
Every situation is different. That's why we help you choose a health insurance plan that fits your personal situation and needs.
Comprehensive coverage for your health
With private health insurance, you get much broader coverage than public health care offers. 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 ensures that you always have access to the right care.
Access to private clinics and specialists
As an expat, you want to be helped quickly and in your own language. With private health insurance, you have free access to an extensive network of private hospitals and specialists in Spain. That means no long waiting times and top-level care. Thanks to the wide choice, you decide where and by whom you will be treated.
International coverage and travel assistance
Your health insurance does not only apply in Spain. Even abroad, you benefit from coverage for medical emergencies and repatriation. Whether you are on vacation or temporarily outside Spain, you can always count on 24/7 medical assistance. This makes health insurance for expats in Spain extra valuable.
Personal guidance from GrupoXandra
GrupoXandra accompanies you every step of the way: from advice and quotation to submission of medical expenses. We explain everything clearly in your own language, so you know exactly where you stand. With more than 20 years of experience in Spain, we are the expat insurance specialist.
Get your personalized quote
Are you an expat in Spain and looking for reliable health insurance? Request a no-obligation quote today. Together, we will make sure you and your family are assured of the best medical care, with clear terms and personalized service from GrupoXandra.
Do you have any questions? Here are the answers
Is private health insurance mandatory for expats in Spain?
Not always, but often. Private insurance is required for a residencia application or visa (e.g., non-lucrativo). Many expats also voluntarily choose private care because of better quality and waiting times.
What is the difference between public and private care in Spain?
Public care is free, but suffers from long waiting times and limited access to specialists. With private insurance, you have immediate access to private clinics and doctors without delay.
Can I choose my own doctor or specialist?
Yes. With private health insurance for expats, you choose your own doctor or clinic from the insurer's network. Some packages even allow you to choose your doctor completely freely.
Is emergency care in Spain covered?
Yes. Both first aid and hospitalization after an accident or serious illness are fully included in the coverage.
Does the insurance cover dental care?
Some policies include a basic dental package, such as checkups and simple treatments. Separate modules are available for comprehensive dental care.
What about medications and medical devices?
Depending on the policy, also medicines, eyeglasses, contact lenses and prostheses co-insured. This varies by package and can often be added as an additional option.
Are pre-existing conditions also insured?
Pre-existing conditions (pre-existing diseases) are usually excluded or insured only under specific conditions. We look at your situation personally and find the most appropriate solution.
Can I see an English-speaking or Dutch-speaking doctor in Spain?
Yes. Most private clinics employ doctors who are Speaking English or Dutch. We will help you find a doctor you feel comfortable with.
Does my health insurance also apply outside of Spain?
Yes. Your policy often provides coverage for travel and stay abroad, including repatriation. Useful for expats who regularly return to their home countries or travel frequently.
How soon can my health insurance start?
The policy can usually within days take effect after approval of your application and medical certificate. There is a waiting period for some treatments.
Do waiting times apply to all treatments?
No. For emergency cases no waiting time. However, certain procedures (such as childbirth or advanced surgery) may have a waiting period of several months.
How does reimbursement of medical expenses work?
At affiliated clinics, you usually pay nothing yourself. With other health care providers, you may have to pay the submit invoices and you will be refunded within a short time.
Can I continue to use my foreign health insurance in Spain?
Only temporarily. The European Health Insurance Card (EHIC). is intended for emergency care, not long-term residence. Living or working in Spain requires local insurance.
Can I get the policy and service in my own language?
The official policy documents are available in Spanish and often in English as well. At GrupoXandra, moreover, you get all the explanations, terms and conditions and claims guidance in five languages: Dutch, English, German, French and Spanish.
Why do expats choose GrupoXandra for health insurance?
Because for more than 20 years we have been assisting expatriates with their emigration and health insurance plans. You will receive personal guidance, clear explanations and access to the best care, without language or cultural barriers.