Question
“I’ve read in other posts that health insurance for non-citizens living in Spain costs around $200 per person. Are there any restrictions or concerns regarding preexisting medical conditions?”
Answers
These are the answers of Spainguru’s Facebook group members:
“Private insurance does not cover preexisting conditions. If you don’t disclose a condition, your entire policy could be invalidated if discovered later.”
“My health insurance costs €70 a month. For younger people, it’s much less, and for those over 65, it’s around €160.”
“Adeslas has been decent overall. Their network is pretty good, and I’ve been able to get appointments without too much hassle most of the time. That said, some visits have taken longer to schedule than I’d like, but it’s been reliable for the important stuff, which matters most.”
“Sanitas offers affordable coverage, but preexisting conditions are typically excluded. For instance, I was excluded for kidney stones I had years ago. They tend to review medical records from the past three years.”
“For comprehensive coverage with DKV, including the freedom to choose doctors and treatments abroad, I pay €415 a month. Policies vary widely based on the level of coverage.”
“My family of three was quoted €157 a month with no preexisting conditions. Prices are lower for simpler plans but can exceed €500 if you want premium options.”
“I pay €143 a month for private health insurance at age 66. Coverage is good, and my broker helped me navigate the process. Highly recommend using an experienced broker.”
“After living in Spain for one year, I was able to apply for public health coverage, which costs €60 per month until age 65 and increases slightly after that. This public option covers preexisting conditions, unlike private insurance.”
“We pay €120 a month for two people. Prices depend on age, preexisting conditions, and the level of coverage selected.”
“Our quote was €500+ a month. Neither of us has preexisting conditions covered, which complicates our situation. For serious conditions, we keep U.S. coverage and travel back if needed.”
“Some insurers offer no-copay policies starting at €50 per month, but prices rise with age and additional coverage.”
“For visa purposes, insurers often require the first year to be paid upfront. I pay €84 a month with no copay or deductible, but it had to be prepaid.”
“I recommend working with a broker who can guide you through the process and find the best plan for your needs. It’s a great way to ensure that preexisting conditions or other concerns are addressed correctly.”
Conclusion
The cost of health insurance in Spain for non-citizens varies widely, with basic plans starting at €50-70 per month and premium policies exceeding €500.
Private insurance typically excludes preexisting conditions, though the level of exclusion depends on the insurer and policy.
For those with preexisting conditions, public health coverage becomes an option after one year of residency and offers comprehensive care at a low monthly cost. Using a broker is strongly recommended to navigate these options and tailor coverage to your specific needs.
