Spain is one of Europe’s top destinations for property investors, retirees, digital nomads, and second-home buyers. Alongside lifestyle appeal and real estate opportunities, one critical factor non-residents must understand is healthcare in Spain—especially private health insurance requirements.
Whether you’re relocating, investing in Spanish property, or applying for a residency visa, this guide explains how the Spanish healthcare system works for non-residents, which health insurance companies are accepted, and how to choose the right coverage.
Understanding the Healthcare System in Spain
Spain consistently ranks among the best healthcare systems in Europe, known for high medical standards, modern hospitals, and excellent doctors.
There are two main healthcare systems in Spain:
1. Public Healthcare System (Sistema Nacional de Salud – SNS)
- Funded by social security contributions
- Available mainly to Spanish citizens and legal residents who work or contribute
- Not automatically accessible to non-residents
2. Private Healthcare System in Spain
- Widely used by expats, investors, non-residents, and visa applicants
- Mandatory for most Spanish residency visas
- Fast access to specialists, English-speaking doctors, and premium hospitals
Most non-residents rely on private health insurance to access healthcare in Spain.
Do Non-Residents Need Health Insurance in Spain?
Yes. Private health insurance is mandatory for most non-residents, especially if you are applying for:
- Non-Lucrative Visa
- Golden Visa (Investor Visa)
- Digital Nomad Visa
- Long-term Spanish residency permits
Spanish immigration authorities require insurance that is:
- Private (not travel insurance)
- Valid throughout Spain
- No co-payments
- Full coverage equivalent to public healthcare
- No waiting periods (visa-compliant policies)
Best Health Insurance Companies in Spain for Non-Residents
Below are the most trusted and visa-approved health insurance providers in Spain for non-residents:
Sanitas
One of Spain’s largest and most reputable insurers.
Why choose Sanitas:
- Extensive hospital and clinic network
- English-speaking customer service
- Highly accepted for visa applications
- Flexible plans for expats and investors
Best for: Families, retirees, long-term residents
Adeslas
Spain’s leading health insurance provider by coverage size.
Key benefits:
- Massive nationwide medical network
- Competitive pricing
- Strong hospital partnerships
- Visa-compliant policies
Best for: Cost-effective comprehensive coverage
Asisa
Popular among international clients and expats.
Highlights:
- Affordable premium options
- Direct access to specialists
- Accepted for residency visas
- Simple policy structure
Best for: Individuals and couples
DKV Seguros
A premium insurer with a strong international focus.
Why DKV stands out:
- Excellent expat support
- International coverage options
- Advanced digital health services
- Eco-conscious healthcare model
Best for: Digital nomads and frequent travelers
AXA Spain
A globally recognized insurance provider.
Advantages:
- Strong international reputation
- English documentation
- Flexible global add-ons
- Trusted by investors worldwide
Best for: International investors and global residents
Cost of Private Health Insurance in Spain for Non-Residents
Private healthcare in Spain is significantly more affordable than in many other European countries.
Average monthly insurance costs:
- Age 30–45: €50–€90
- Age 45–65: €90–€160
- Age 65+: €150–€300+
Prices depend on:
- Age and medical history
- Coverage level
- No-copay vs copay plans
- International coverage add-ons
Visa applications typically require no-copay plans, which cost slightly more but are fully compliant.
Why Healthcare Matters for Property Investors in Spain
For real estate investors and second-home buyers, healthcare is not just a legal formality, it’s a long-term lifestyle and asset-value factor.
Reliable healthcare access:
- Enhances long-term livability
- Supports retirement and relocation planning
- Builds confidence for family moves
- Increases resale appeal to international buyers
Spain’s private healthcare system is a major advantage for foreign property investors.
How to Choose the Right Health Insurance in Spain
Before selecting a policy, consider:
- Your visa or residency requirements
- Length of stay in Spain
- Age and medical needs
- Availability of English-speaking doctors
- Hospital access near your property location
Working with a professional real estate and relocation advisor ensures your insurance is legally compliant and strategically aligned with your investment goals.
Final Thoughts: Healthcare in Spain for Non-Residents
Healthcare in Spain is modern, reliable, and investor-friendly, but non-residents must plan ahead. Choosing the right private health insurance is essential for:
- Visa approval
- Peace of mind
- Long-term residency success
- Property investment security
Planning to invest or relocate to Spain?
Get expert guidance on Spanish real estate, residency, and healthcare requirements from trusted professionals.
Your investment deserves clarity, protection, and smart planning, from day one.
