Health Insurance

At HomeFinance Spain, we offer comprehensive Health Insurance for expatriates. We have a wealth of experience with our community of trusted healthcare partners.

Apply and get approved online...

  • Multi-Lingual Care & Support
  • Designed for Expats
  • Various Plans Available

100% Cover

Total cover for medical fees and no premium increase - you are guaranteed to be covered for life.

Medical Attention

Avoid long waiting times for medical attention, GP appointments and specialist consultations.

Top Specialists

Choose from a network of thousands of the best medical professionals and specialists throughout Spain.

Easy Payment

Clients can either split their payments at no extra cost or pay annually and receive a discount.

Get in touch

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Coverage Plans for Spanish Health Insurance

For a full, comprehensive list of all medical services that are included in our health insurance – get in touch and we will explain the different plans that we have to offer!

Quality Private Healthcare for you and your family. The basic package gives you access to professional medical services allowing you to choose from a comprehensive medical directory of the best doctors in Spain.
  • Immediate access with no waiting lists and private medical attention.
  • Surgical operations – with no waiting lists.
  • X-rays, mammograms, smear tests, MRI/CAT scans etc.
  • Ability to join up until 79 years of age.
  • Medical travel cover – including repatriation of up to €12,000 in an emergency.
  • Private rooms – for hospitalisation, with a bed for a family member or friend.
Extensive Coverage for you and your family. This cover offers a wide range of medical, surgical and hospital care plus all of the benefits of the basic protection.
  • Immediate access with no waiting lists and private medical attention.
  • Surgical operations – with no waiting lists.
  • X-rays, mammograms, smear tests, MRI/CAT scans etc.
  • Ability to join up until 74 years of age.
  • Medical travel cover – including repatriation of up to €12,000 in an emergency.
  • Private rooms – for hospitalisation, with a bed for a family member or friend.
  • Special treatments – oncology with chemo, radiotherapy, dialysis etc.

In depth cover which allows you anticipate illness. All of the protection of the Standard cover, plus added coverage and preventative medical check ups.

  • Immediate access with no waiting lists and private medical attention.
  • Surgical operations – with no waiting lists.
  • X-rays, mammograms, smear tests, MRI/CAT scans etc.
  • Ability to join up until 74 years of age.
  • Medical travel cover – including repatriation of up to €12,000 in an emergency.
  • Private rooms – for hospitalisation, with a bed for a family member or friend.
  • Special treatments – oncology with chemo, radiotherapy, dialysis etc.
  • Preventive medicine – with annual check-up.

Protection with the most comprehensive medical directory. For medical insurance that gives you complete support and assurance, the master protection is the right choice for you.

  • Immediate access with no waiting lists and private medical attention.
  • Surgical operations – with no waiting lists.
  • X-rays, mammograms, smear tests, MRI/CAT scans etc.
  • Ability to join up until 74 years of age.
  • Medical travel cover – including repatriation of up to €12,000 in an emergency.
  • Private rooms – for hospitalisation, with a bed for a family member or friend.
  • Special treatments – oncology with chemo, radiotherapy, dialysis etc.
  • Preventive medicine – with annual check-up.
  • Unlimited hospitalisation – medical & surgical hospitalisation with an extra bed.
  • Coverage for Prostheses – post-mastectomy reconstructions included.

The elite cover that protects your well-being. For complete free choice of doctors with cost reimbursement – select the top health insurance.

  • Immediate access with no waiting lists and private medical attention.
  • Surgical operations – with no waiting lists.
  • X-rays, mammograms, smear tests, MRI/CAT scans etc.
  • Ability to join up until 74 years of age.
  • Medical travel cover – including repatriation of up to €12,000 in an emergency.
  • Private rooms – for hospitalisation, with a bed for a family member or friend.
  • Special treatments – oncology with chemo, radiotherapy, dialysis etc.
  • Preventive medicine – with annual check-up.
  • Unlimited hospitalisation – medical & surgical hospitalisation with an extra bed.
  • Coverage for Prostheses – post-mastectomy reconstructions included.
  • Free choice of doctors with cost reimbursement – private GPs, specialists etc.

Dental Cover for Expats in Spain

Extensive Medical Directory

Choose from prestigious dentists from our extensive directory.

Multi-Lingual

Dental clinics and customer service in your native language.

Quality Dental Care

Our clients receive the best care and with the highest technology in Spain.

Various Plans Available

Different levels are available so you only have to pay for the type of insurance you need.

Visa Health Insurance Certificates

HomeFinance Spain provide our clients with Health Insurance Certificates to use with their visa applications for residency in Spain.

We do not require you to come to our offices to get the health insurance contract – this can all be done over the phone and via email with one of dedicated insurance specialists.

Frequently Asked Questions

Yes, private Spanish health insurance for non-residents is highly recommended. If you do not qualify for free Spanish health insurance, then you will have to organise private health care.

EU citizens applying for residency in Spain may be required to produce evidence of private or public healthcare insurance. Our team of insurance specialists can also discuss the documentation you need to apply for residency in Spain.

• If you are a resident in Spain and work in employment or self-employment and pay social security contributions, you will be entitled into the Spanish healthcare system.

• If you are a resident in Spain and are receiving certain state benefits, you will qualify for Spanish healthcare.

• If you are a resident in Spain and have recently divorced or separated from a partner who was registered with social security, you will be entitled to Spanish healthcare.

• State pensioners qualify for entry into the Spanish healthcare system.

• Also, if you are staying in Spain temporarily and have an EHIC card, you are entitled to Spanish healthcare.

If you do not qualify for the Spanish national health care system, we highly recommend you take out Private Health Insurance.

EU residents are entitled to free health care while in Spain for the first three months of their stay, so long as they can provide an EHIC (European Health Insurance Card). This card entitles them to receive medical treatment at the same cost as a Spanish national. This will cover any immediate treatments needed. However, medical conditions that do not require immediate treatment might incur charges.

Anyone who is in receipt of a UK state pension, long-term incapacity benefit or bereavement benefit will be eligible for the same medical treatment as a local in Spain. In order to register for this, you need to obtain an S1 form from the International Pension Centre (IPC) in Newcastle. This needs to be filled in and presented, along with your Registration Certificate (Certificado de registro) and your local resident certificate (Certificado de Empadronamiento), and passport to your local INSS office. They will issue you with an accreditation to take to your local health centre.

• You must have a bank account in Spain to be able to receive medical insurance in Spain.

• A Spanish address.

• Have a NIE/NIF or passport.

Get in touch

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