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.

Plans in Detail

Global Health Options plans

	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.
Geographic cover	Worldwide	Worldwide	Worldwide
Overall annual benefit	$1,000,000	$2,000,000	Unlimited
Inpatient, day-patient and accommodation costs	Private room paid in full	Private room paid in full	Private room paid in full
Cancer care	Paid in full	Paid in full	Paid in full
Mental and behavioral healthcare	Up to $5,000	Up to $10,000	Paid in full
Maternity care	Not included	Routine inpatient maternity cover – paid in full up to $7,000	Routine inpatient maternity cover – paid in full up to $14,000

Close Care℠

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.

	Close Care℠
Geographic cover	Country you’re living in and home country only
Overall annual benefit	$500,000 (with $250,000 condition limit)
Inpatient, day-patient and accommodation costs	Semi-private room paid in full
Cancer care	Paid in full
Mental and behavioral healthcare	Not included
Maternity care	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 policyOnce you’ve chosen from our silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.

International Outpatient – optional 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

International Evacuation & Crisis Assistance Plus^TM – optional cover

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

International Health & Wellbeing – optional cover

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

International Vision & Dental – optional cover

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

Quick facts about healthcare in Spain

Hospitals: You’ll find around 840 hospitals in Spain (Spanish Ministry of Health)

Healthcare ranking: 17^th 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

Emergency Care

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.

Temperatures and climate

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

What is the average cost of 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.

What are the pros and cons of using public healthcare in Spain?

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

What’s the difference between public and private healthcare in Spain?

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

Are prescriptions free in Spain?

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.

Do I need private health insurance in Spain?

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.

Contact Us

Whether you wish to speak to our sales team or get general help if you are already a Cigna member, we’ll get you to the right information.

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*Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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