Private international health insurance in Spain
Whether you're relocating to Spain for work, studies, or to settle down, gain peace of mind with private health insurance.
Our international coverage is tailored for expats, offering protection in Spain and over 200 other countries and territories.
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Get a quote in under two minutes
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Customizable plan to meet your needs
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24/7 support and assistance available
Why choose Cigna for global health insurance in Spain?
More choice over your treatment options
Our range of expat healthcare solutions offers flexibility and convenience, while also ensuring easy access for treatments.
Covering gaps in public healthcare
As an expat, it may take time to get full access to the public healthcare system in Spain. Choose Cigna Global to ensure you have the care you want, whenever you need it.
Build a plan to match your needs
It’s simple to choose the right health insurance in Spain for all the family.
Choose from 3 simple levels of global health insurance or explore our regional Close Care℠ plan.
Our health insurance plans
At Cigna, we know that expats come from all walks of life. So, there’s no one-size-fits-all with our health insurance in Spain.
Our Close Care℠ plan provides cover in both Spain and your home country. It’s designed for inpatient and day-patient treatments, with a $500,000 annual benefit limit.
Meanwhile, our Global Health Options Plans can take you even further. They give you the choice of worldwide cover, or worldwide cover excluding the USA. These plans offer plenty of inpatient and day-patient support across care providers and hospitals in Spain, including:
- Treatment accommodation costs.
- Common hospital charges, like prescribed medicines, intensive care and surgeons’ fees.
- Cancer care and mental healthcare.
With Global Health Options, you can choose a Silver, Gold or Platinum package to tailor your health insurance for Spain.
| Silver | Gold | Platinum | |
|---|---|---|---|
Our Silver plan covers day-patient cover, including hospital stays and treatment. | Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family. | Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full. |
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| Geographic cover | Silver | Gold | Platinum |
Worldwide | Worldwide | Worldwide |
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| Overall annual benefit | Silver | Gold | Platinum |
$1,000,000 | $2,000,000 | Unlimited |
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| Inpatient, day-patient and accommodation costs | Silver | Gold | Platinum |
Private room paid in full | Private room paid in full | Private room paid in full |
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| Cancer care | Silver | Gold | Platinum |
Paid in full | Paid in full | Paid in full |
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| Mental and behavioral healthcare | Silver | Gold | Platinum |
Up to $5,000 | Up to $10,000 | Paid in full |
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| Maternity care | Silver | Gold | Platinum |
Not included | Routine inpatient maternity cover – paid in full up to $7,000 | Routine inpatient maternity cover – paid in full up to $14,000 |
Our Silver plan covers day-patient cover, including hospital stays and treatment.
Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.
Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
Worldwide
Worldwide
Worldwide
$1,000,000
$2,000,000
Unlimited
Private room paid in full
Private room paid in full
Private room paid in full
Paid in full
Paid in full
Paid in full
Up to $5,000
Up to $10,000
Paid in full
Not included
Routine inpatient maternity cover – paid in full up to $7,000
Routine inpatient maternity cover – paid in full up to $14,000
Our essential plan covers you in your country of residence and your home country. You can also add modules to extend this cover, including dental and wider outpatient care. |
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| Geographic cover | Close Care℠ | |
Country you’re living in and home country only |
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| Overall annual benefit | Close Care℠ | |
$500,000 (with $250,000 condition limit) |
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| Inpatient, day-patient and accommodation costs | Close Care℠ | |
Semi-private room paid in full |
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| Cancer care | Close Care℠ | |
Paid in full |
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| Mental and behavioral healthcare | Close Care℠ | |
Not included |
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| Maternity care | Close Care℠ | |
Not included |
Our essential plan covers you in your country of residence and your home country.
You can also add modules to extend this cover, including dental and wider outpatient care.
Country you’re living in and home country only
$500,000 (with $250,000 condition limit)
Semi-private room paid in full
Paid in full
Not included
Not included
How does international health insurance work?
1. Get a free quote and
buy your policy
Build a quote online or give us a call at +44 (0)1475 492119
Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.
2. Manage your policy
with our easy app
Manage your health and wellbeing on the go, wherever you may be.
The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.
3. Get your treatment
and make a claim
Get in touch with our customer care team to make a claim.
We’ll connect you to a medical expert within 24 hours, via global network of over 2.2 million partnerships.
Direct billing available in most cases, as we liaise directly with your treatment provider.
Expat healthcare cover in Spain
With its world-class universities, booming tourism sector and breathtaking beaches, there are so many reasons to move to Spain. And that’s not to mention the weather! Getting private health insurance in Spain gives you an added safety net, so you can focus on work, studying or enjoying retirement.
Spain runs a public healthcare system called the Sistema Nacional de Salud (SNS). This provides free basic services to many Spanish citizens, with tax and social security funding it.
But expats will need to register with the SNS first at their local health center, known as a centro de salud. And you might have to make social security contributions or other payments too. What’s more, not everything is free, with some treatments and prescriptions charging a fee.
Additional benefits as part of your international health insurance cover
Telehealth
consultations
We're here to assist you whenever you need help. Access unlimited phone or video consultations, along with counseling and coaching, both in Spain and internationally.
International cover,
wherever you are
Your international coverage—whether Silver, Gold, or Platinum—provides comprehensive support no matter where you are, ensuring peace of mind wherever you go.
Flexible plans,
made for you
Your health insurance quote is specifically designed to meet the unique needs of you and your family. Personalize it today to match your budget and guarantee complete coverage.
Add more cover to your policy
Once you’ve chosen from our silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.
Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:
- Consultations with specialists, in-person or online
- Prescribed drugs and dressings
- Radiology and diagnostic tests
- Outpatient rehabilitation
- Cover for hearing aids
This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:
- Emergency transport to good hospitals.
- Repatriation if you experience a serious medical event
- Crisis response services following travel or security risks
- Help with compassionate travel and living costs
- Travel costs for people who accompany you
Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.
- Support from wellness coaches
- Access to preventative cancer screenings
- Emotional support from counselors
- Non-symptomatic, routine physical examinations each year
- Transport to a specialist center
Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments:
- Cover for dental appointments
- Preventative, routine, and major dental treatments
- Routine eye exams
- Support with costs for glasses and lenses
Who comes to us for health insurance in Spain?
International students
Spain’s university cities boast a long and diverse history, offering a huge variety of experiences to visiting students.
From the bustling capital of Madrid to the charmingly traditional Seville, get emergency cover, mental health support and lots more with our affordable insurance for international students.
Mobile workers
Spain is well-known for its vibrant tourism industry. But that’s only the beginning, with pharmaceuticals, renewable energy and agriculture among its other key sectors.
Our private health insurance for globally mobile workers in Spain will keep you focused on the job, with inpatient, day-patient and emergency support. It’s easy to safeguard your family too.
Retirees
It’s little wonder that Spain is a retirement hotspot. That combination of stunning sun and glittering sea makes it irresistible for many. From Alicante to the Costa del Sol, the sprawling coastline offers the perfect opportunity for retirees to unwind.
But even the most sedate retirement may include surprises from time to time. If you’re over 60, our seniors’ insurance can help cover many things, from cancer care to mental health therapies.
More information about healthcare in Spain
Hospitals: You’ll find around 840 hospitals in Spain (Spanish Ministry of Health)
Healthcare ranking: 17th out of 195 countries (Global Health Security Index)
Useful drug names: Paracetamol and ibuprofen don’t tend to have different names in Spain. Pharmacies and chemists are called farmacias.
Emergency services number (while in Spain): 112
Cigna claim number (while in Spain): +44 (0) 1475 788182
Every citizen or visitor to Spain should be guaranteed access to emergency treatment. Head to your nearest hospital or call 112 if you require emergency transport.
You may be able to reclaim emergency treatment costs on your private health insurance in Spain. But it can depend on the exact treatments you receive, plus the terms of your policy.
Given its warm, humid climate, Spain may experience heatwaves and storms during the summer months. If you’re concerned about the impact on your health, seek advice and check weather warnings from the State Meteorological Agency (AEMET).
Frequently asked questions about health insurance in Spain
It all depends on who you buy your private health insurance from. With Cigna, you can tailor your plan and the amount you spend by choosing between different cover levels (Silver, Gold or Platinum). We also offer a range of optional add-ons, which can again affect the overall cost.
The potential benefits of using Spain’s public healthcare system include:
- Free access for many citizens and treatments
- Emergency treatments can’t be denied
- A good standard of equipment
Potential drawbacks include:
- The chance of longer waiting times
- Possible language barriers for expats
- Seeing a different doctor on each visit
Common features of public healthcare in Spain include:
- Potentially waiting months to see a specialist.
- The chance of getting billed if you’ve not made enough tax payments
- Access to a wide network, with plenty of hospitals and medical centers in Spain
In contrast, features of private healthcare can include:
- The ability to choose the specialist you want
- Access to faster treatments
- A requirement to pay for each appointment if you don’t have health insurance
No, prescription medicines aren’t usually free within the Spanish public healthcare system. However, our optional International Outpatient add-on can help cover you for prescribed outpatient drugs and dressings.
Not all patients and treatments qualify for free healthcare in Spain. Because of this, private health insurance may come in useful if you need to access routine healthcare, as well as elective or urgent treatments.