Best Health Insurance for Expats in Spain (2025)

Moving to Spain as an expat is an exciting adventure, but ensuring you have the right health insurance is crucial for peace of mind. While Spain has an excellent public healthcare system, many expats opt for private health insurance for faster service, access to English-speaking doctors, and better flexibility. Whether you’re relocating for work, retirement, or lifestyle reasons, choosing the right health insurance plan will ensure you get the best medical care when needed.

Here’s a detailed look at the best health insurance providers for expats in Spain in 2025.

1. Sanitas – Best for Comprehensive Coverage & English Support

Sanitas is one of the most popular choices among expats in Spain. As a subsidiary of Bupa, it offers a wide range of comprehensive plans tailored to expatriates.

Pros:

• Wide network of private hospitals and clinics

• English-speaking customer service

• Direct billing with hospitals (cashless service)

• Plans that meet Spain’s residency visa requirements

Cons:

• Some plans may have waiting periods for certain treatments

• Coverage outside Spain is limited

2. Adeslas – Best for Affordable and Residency-Compliant Plans

Adeslas is one of the largest private health insurance providers in Spain and offers budget-friendly plans for expats, including those applying for residency.

Pros:

• Affordable premium options

• Large network of hospitals and clinics

• No co-payments on specific plans

• Residency visa-compliant policies available

Cons:

• Customer service is mainly in Spanish

• Limited international coverage

3. DKV Seguros – Best for Customer Service and Alternative Medicine Coverage

DKV is known for its excellent customer service and holistic approach to healthcare. Their policies cover a broad range of alternative treatments, such as acupuncture and homeopathy.

Pros:

• Excellent reputation for customer support

• Coverage for alternative and holistic medicine

• English-speaking assistance available

• Good dental and maternity add-ons

Cons:

• Some plans have higher premiums

• Limited availability of certain specialists

4. ASISA – Best for Budget-Friendly and No Co-Payment Options

ASISA is another well-known Spanish insurer offering affordable private health insurance with good hospital coverage.

Pros:

• Competitive pricing

• No co-payments on many plans

• Wide hospital and specialist network

• Good dental insurance add-ons

Cons:

• Fewer English-speaking customer service representatives

• Some restrictions on international coverage

5. AXA Spain – Best for Expats Seeking International Coverage

AXA is a globally recognized insurance provider offering flexible plans tailored to expats in Spain, including international coverage.

Pros:

• Strong international reputation

• Good coverage for travelers and digital nomads

• English-speaking customer support

• Plans covering chronic illnesses and pre-existing conditions (with conditions)

Cons:

• Higher premiums compared to local providers

• Some plans require pre-approval for certain procedures

6. Cigna Global – Best for Expats Needing Worldwide Coverage

Cigna Global is a leading provider of international health insurance, ideal for expats who frequently travel or need coverage beyond Spain.

Pros:

• Worldwide coverage, including the USA (optional add-on)

• Comprehensive plans covering hospitalization, outpatient care, and wellness services

• Customizable policies to suit different needs

• English-speaking support available 24/7

Cons:

• Premiums are generally higher than local Spanish providers

• Some plans have higher deductibles

7. Mapfre – Best for Expats Looking for Local Expertise

Mapfre is one of Spain’s most trusted insurers, offering a variety of private healthcare plans at competitive prices.

Pros:

• Strong presence across Spain

• Well-integrated with Spanish healthcare facilities

• Flexible plan options

• Affordable pricing

Cons:

• Fewer English-speaking representatives

• Limited international coverage

How to Choose the Best Health Insurance for Your Needs

When selecting the best health insurance in Spain, consider the following factors:

• Residency Requirements: If you’re applying for a residency visa (such as a non-lucrative visa), make sure your plan meets the visa requirements.

• Coverage Area: Do you need local, national, or international coverage?

• Pre-existing Conditions: Some insurers offer plans that cover pre-existing conditions, but they may require additional documentation.

• Language Support: If you’re not fluent in Spanish, an insurer with English-speaking customer service is a major advantage.

• Cost vs. Coverage: Compare premium costs, co-payments, and coverage limits to find the best value for your budget.

Final Thoughts

Spain offers an excellent healthcare system, but private health insurance gives expats more flexibility, faster access to specialists, and English-speaking medical support. Whether you choose Sanitas for comprehensive coverage, Adeslas for affordability, Cigna Global for worldwide protection, or another top provider, making an informed decision will ensure you have the right coverage for your lifestyle in Spain.

Before purchasing a policy, compare plans, read the fine print, and consult with an insurance broker if needed. With the right health insurance in place, you can fully enjoy your life in Spain with peace of mind!

Would you like help choosing a plan based on your specific needs? Let us know in the comments!