Last Updated on March 18, 2026 by Bruno Bianchi
Question
We were originally planning to retire to Spain but were put off by the cost of medical insurance. How do retirees out there afford the medical insurance?
Answers
These are the answers of some Facebook group members:
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Start the Moving to Spain Hub →“If you are in receipt of a State Pension in U.K. then you get free medical treatment but have to pay a percentage of prescriptions. You will need to contact DWP Newcastle for the necessary forms.”
“You can apply. To pay into the spanish health system its abour 60 euros per month”
“Use the S1 DHSS Spain has a reciprocal agreement with the uk that gives you full access to the Spanish health system.”
“If you’re retired age you don’t need medical insurance you need S1 form which will cover you for all hospital needs backed up by British government”
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Explore Cities →“You can apply to department of health and insurance for an S1 to cover medical costs you have to have your S1 inputted into the Spanish system”
“Get quotes for the best Health insurances to apply for a NLV“
Useful links:
- Visit our recommended immigration & tax experts here.
- Make sure to visit Spainguru’s Resources page.
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- Join Spainguru’s NLV whatsapp group
- Get quotes for the best Health insurances to apply for a NLV
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