Private health insurance in Spain

No, you don't need one.

Policies are valid for a minimum of 1 year and are renewable annually.

Annual renewal cancellation: To cancel the annual renewal, provide at least a one-month notice before the policy anniversary date.

Mid-term cancellation: You can cancel the current policy at any time, effective from the first day of the month following the notification, in the following situations:

• Death of the insured person

• Relocation outside Spain

• Separation of a couple

• Emancipation of an insured person

• Insurance included as a corporate social benefit

Yes, you have the right to withdraw within 14 days from the purchase date.

Policies can commence up to 50 days in advance.

Yes, some medical services have waiting periods before coverage begins.

Which services have an 8-month waiting period?

• Surgical interventions and admissions (except emergencies)

• Assistance in childbirth (premature births are covered if the estimated full-term date meets the waiting period)

• Postpartum care

• Oncological and cardiovascular treatments, lithotripsy, and dialysis

Which services have a 24-month waiting period?

• Assisted reproduction

• When are waiting periods waived?

Waiting periods do not apply in the following cases:

• If the insured person was previously covered by a similar health insurance policy for at least one year (assisted reproduction is excluded). Proof of prior coverage and the last paid receipt are required.

• If newborn or newly adopted children are added, provided the parents have been insured for at least eight months and the registration is requested within 15 days from birth or official adoption registration.