At Lexmovea, we assist you in choosing the health insurance plan for foreigners that best suits your needs. We offer a selection of options from leading insurance companies, with various coverage levels and prices, allowing you to find the insurance that fits your budget and specific requirements.
Importance of Health Insurance for Foreigners in Spain
Health insurance for foreigners is mandatory to obtain a residence permit or visa in Spain. This insurance must meet certain requirements, such as no copayments, no waiting periods, and coverage valid throughout Spain.
Lexmovea Services
At Lexmovea, we offer the following health insurance options for foreigners in Spain:
- Personalized Advice: We help you compare different insurance options, considering your budget and specific needs.
- Comprehensive Support: We assist you throughout the entire insurance application process.
- Compliance with Legal Requirements: We ensure that your insurance meets the immigration requirements for obtaining and maintaining your legal residency in Spain.
What Does Health Insurance for Foreigners Cover?
Health insurance in Spain for foreigners must cover, at a minimum, the following expenses:
- Medical Expenses: Includes primary care, specialists, diagnostic tests, treatments, and hospitalization.
- Hospitalization Expenses: Covers hospital stay costs, including surgery, room, and medication.
- Repatriation Expenses: Covers the costs of returning to your home country in case of serious illness or accident.
How to Choose the Right Health Insurance for Foreigners?
When choosing health insurance for foreigners in Spain, it is crucial to consider that not all health insurance plans meet the requirements set by the Immigration Department. To avoid delays or rejections in your immigration procedures, it is essential that your insurance meets the following characteristics:
- Annual Coverage: The insurance must be valid for a minimum of one year, matching the duration of your visa or residence permit. If your permit is extended, you will need to renew your insurance annually to avoid any issues.
- No Waiting Periods: Waiting periods are times during which certain coverages are not available after purchasing the insurance. For immigration procedures, it is essential that the insurance has no waiting periods, meaning all coverages must be available from day one.
- No Copayments: Copayments are fixed amounts you must pay for each medical service. Health insurance for foreigners should be free of copayments, covering the full medical expenses.
- Comprehensive Coverage: The insurance must offer full coverage, including primary care, specialists, hospitalization, surgery, diagnostic tests, and treatments. It is also advisable to include dental and repatriation coverage.
At Lexmovea, we assist you in choosing the mandatory health insurance for foreigners in Spain that best fits your needs and meets all immigration requirements. We help you compare different options from top insurance companies, taking into account your budget and specific needs to find the best health insurance for foreigners in Spain.
Who Should Purchase Health Insurance for Foreigners in Spain?
If you plan to stay in Spain for more than three months and do not have public or private health coverage in your home country, you need mandatory health insurance for foreigners in Spain. This requirement is essential for international students, temporary workers, retirees, and anyone who wishes to settle in Spain without a work contract and is not covered under Spain’s social security system or a similar system.
- Non-EU citizens who wish to obtain a residence visa, whether for studies or work, must purchase health insurance with hospitalization and no copayments that covers their medical needs for at least one year.
- If you are an EU citizen, you have the right to free healthcare in Spain for the first three months of your stay with the European Health Insurance Card (EHIC). However, if your stay exceeds 90 days, you will also need health insurance for foreigners in Spain.
- If your visit to Spain is less than three months, travel insurance is sufficient. However, keep in mind that not having insurance could be a reason for denial of entry into the country.
In summary, if you are a foreigner planning to live or study in Spain, having appropriate health insurance for foreigners in Spain is essential to ensure access to medical care and comply with legal requirements for your stay in the country.
Types of Health Insurance for Foreigners in Spain
There are different types of private health insurance for foreigners, with varying coverage and prices. While we outline the different types of insurance below, to avoid issues with the various Immigration Offices or Spanish Embassies in different countries, we always recommend full health insurance plans. Some of the most common types of private health insurance for foreigners are:
- Basic Health Insurance: Covers primary care, specialists, and diagnostic tests.
- Comprehensive Health Insurance: Includes basic medical coverage plus hospitalization, surgery, and repatriation.
- Health Insurance with Dental Coverage: Adds dental coverage to the basic coverage.
Health Card for Foreigners with NIE
The health card for foreigners with an NIE (Foreign Identification Number) is a document that allows foreign residents in Spain to access services from the national health system. This card is issued to foreigners who have an NIE and are registered in their local area, giving them the right to receive medical and pharmaceutical care in public health centers. The health card is essential to ensure access to consultations, medical treatments, hospitalization, and medications at reduced or no cost, depending on the insured person’s situation.
Health Insurance Quote for Non-Resident Foreigners
Remember that the mandatory health insurance for foreigners in Spain not only protects you against health emergencies but is also a necessary requirement to obtain and maintain your legal residency in Spain.
Our team of experts is ready to help you find the ideal health insurance for foreigners in Spain that fits your needs and guarantees your protection in Spain. Contact us for personalized assistance and ensure that you meet all the necessary requirements!
Best Health Insurance Companies for Foreigners in Spain
When considering health insurance for foreigners in Spain, it is essential to evaluate the available options for foreigners. Some of the top insurance companies for foreigners in Spain include Adeslas, Mapfre, Sanitas, and Asisa. Below is a comparison of their main features:
- Adeslas for Foreigners: One of the leading insurers in Spain, with a wide network of professionals and medical centers. Offers various health insurance options for foreigners, including hospitalization, medical consultations, and emergency services. Additionally, it has dental insurance options and wellness programs. Its plans are flexible and adaptable to the insured person’s needs.
- Mapfre for Foreigners: Known for its stability and experience, Mapfre provides comprehensive health insurance coverage, from medical consultations to surgical interventions. It offers additional services like customer support in multiple languages and health and prevention programs. Its policies are designed to provide peace of mind and access to quality medical care.
- Sanitas for Foreigners: Specialized in health insurance, Sanitas stands out for its customer service and innovative services. It provides plans that include hospitalization, medical consultations, and emergency services. Additionally, it offers digital health programs and access to a large network of professionals and medical centers. Its policies aim to provide comprehensive health solutions for its insured.
- Asisa for Foreigners: Known for its commitment to quality and personalized care, Asisa offers health insurance with coverage that includes medical consultations, hospitalization, and emergency services. It also offers dental insurance options and preventive health programs. Its plans are designed to adapt to the specific needs of each insured person, providing access to quality healthcare.
When choosing health insurance for foreigners in Spain, it’s essential to consider factors such as the network of professionals and medical centers, the coverage provided, additional services, and customer support. The companies mentioned offer options that adapt to the needs of foreigners in Spain, ensuring access to quality medical care and additional services that facilitate integration into the Spanish healthcare system. These insurances can also be contracted for undocumented foreigners in Spain.
Frequently Asked Questions About Health Insurance for Foreigners in Spain
- What is the Health Card for Undocumented Foreigners? The health card for undocumented foreigners (health insurance for undocumented people) is a document that allows individuals in an irregular situation in Spain to access public healthcare services, guaranteeing their right to receive medical care. Since the enactment of Law 16/2003, of May 28, all citizens are entitled to healthcare, regardless of their administrative status.
- What Document Do I Need to Get Health Insurance in Spain as a Foreigner? To purchase health insurance in Spain as a foreigner, you generally need to provide several documents, including your health insurance for foreigners with your passport or NIE (Foreign Identification Number), proof of your residence address in Spain (such as a rental contract or utility bill), and a payment method, either via credit/debit card or a Spanish bank account. Some insurers may request additional information to process your health insurance registration for foreigners in Spain, such as a contact phone number or email.
- Do I Need Health Insurance for a Non-Lucrative Residency in Spain? Yes, you need health insurance to obtain non-lucrative residency in Spain. It is mandatory to have private health insurance. This insurance must be contracted with an authorized insurer in Spain, cover all benefits of the National Health System (without copayments or waiting periods), and guarantee complete assistance throughout your stay in the country.
- Do I Need Health Insurance for a European Health Card? Yes, if an EU citizen does not work or is not covered by Social Security, they need to contract private health insurance for the European Health Card. They must also prove sufficient economic resources.
- Do I Need Health Insurance to Renew My NIE? It depends on the type of NIE you have. If you are not working or affiliated with Social Security, you will need private health insurance for NIE renewal, especially if it’s for non-lucrative residence or family reunification.
- What Health Insurance Should I Present to Immigration? The health insurance for immigration procedures in Spain must be complete, without copayments, and issued by a Spanish insurer. It must cover hospitalization, consultations, and emergencies, and meet specific requirements, such as repatriation in some cases. It is essential to have this health insurance for foreigners in Spain for permits like non-lucrative residency to ensure access to healthcare without complications.
- What Type of Health Insurance for NIE Should I Contract? For NIE, you need private health insurance without copayments or waiting periods, with complete coverage equivalent to the Spanish Health System. It must be from an authorized insurer in Spain and cover hospitalization and medical consultations.
- How Much Does Health Insurance for Foreigners in Spain Cost? The cost of health insurance in Spain for foreigners varies depending on the coverage and the company, but typically ranges from €50 to €150 per month. The most basic health insurance for foreigners in Spain tends to be more affordable, while those with additional benefits, such as dental or international coverage, come at higher prices. It’s important to ensure that the insurance meets the requirements set by immigration if it’s for legal procedures.
- Which Companies Offer Health Insurance for Foreigners in Spain? For foreigners in Spain, health insurance for immigration procedures must meet immigration requirements: complete coverage without copayments or waiting periods. Companies like Sanitas, Mapfre, Asisa, or Adeslas offer suitable options. Check that the plan includes hospitalization, primary care, and diagnostics to facilitate your residency procedures.
- Do I Need Health Insurance for a Residence Permit in Spain? Yes, mandatory health insurance for foreigners in Spain must be complete without copayments or waiting periods, equivalent to the public system. It is an essential requirement to have private health insurance for foreigners in Spain to guarantee access to medical services during your stay.
- Do I Need Health Insurance to Travel to Spain as a Tourist? Yes, you will need travel health insurance to enter Spain as a tourist if you come from a non-Schengen country. This insurance must cover at least €30,000 in medical expenses, including repatriation in case of an emergency. It is a key requirement when applying for a tourist visa or entering Spanish territory.