Health insurance for foreigners

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Health Insurance for Foreigners

Health insurance for foreigners in Spain is currently one of the essential requirements for processing paperwork in the country. In cases where residence is needed for more than three months and there is no employment contract or other requirements, having health insurance is crucial. We’ll tell you everything you need to know about health insurance for foreigners, including types, prices, requirements, and how to apply for it.

What is Health Insurance for Immigrants or Foreigners?

Health insurance grants individuals access to specific healthcare services through a contract with the insurer, usually established for periods of one year or monthly with a monthly premium.

Who Can Access the Spanish Healthcare System with Health Insurance?

The Spanish healthcare system is free and is one of the best in the world, but not everyone can access it. The requirements to access the Spanish healthcare system are being a Spanish citizen or a self-employed or employed resident; otherwise, you will not be able to benefit from it.

That’s why many immigration procedures require foreigners who start living in the country to purchase private health insurance.

Types of Health Insurance

There are several types of health insurance: travel health insurance for tourists, insurance for foreign students, and private health insurance for foreigners and expatriates.

Is Health Insurance Mandatory for Foreigners in Spain?

It is mandatory for anyone who wants to stay in Spain for more than 3 months. Depending on the length of stay, you will need one type of insurance or another. Below are the types of health insurance available.

Travel Health Insurance for Tourists

Travel health insurance for foreigners in Spain is typically purchased when the foreigner will be in Spain for a period of fewer than 90 days. There are many platforms offering travel health insurance. If you want a professional assessment, you can contact us, and we will assist you with the process.

Health insurance for foreign students in Spain is a type of affordable insurance that meets all the immigration requirements for applying for a student visa.

Health insurance for foreign students in Spain is one of the fundamental requirements when applying for a study stay.

Private Health Insurance for Foreigners and Expatriates

These health insurance plans cover all the requirements for immigration purposes and can be used to apply for various procedures such as the non-lucrative visa and others, in order to regularize the situation in Spain.

Health Insurance for Undocumented Foreigners

Health insurance for undocumented foreigners is identical to other health insurance plans. The only requirement is to be documented and aware of all the previous insurance policies. Depending on individual circumstances, different types of insurance may be needed.

Private Health Insurance

Health Insurance Coverage for Foreigners in Spain

Each insurance policy has its own coverage depending on the insurer and the policy. However, there are some essential coverages such as primary care, repatriation, hospitalization, and specialist care.

Hospitalization: Surgical intervention is a cost that many insurers include.

Specialist care: In addition to diagnostic tests and primary care medicine.

Repatriation: In case of death, the insured person and their companion are transferred to their country of origin.

Clinical analysis and medical consultations.

Health Insurance Offers for Foreigners in Spain

Within health insurance, there are many promotions available. Our recommendation is to carefully read all the clauses of the Spanish health insurance to ensure that it meets all the requirements stipulated by Immigration.

At Immigration Lawyers, we are aware of this issue, so if you need assistance, we can advise you.

Legislation Regarding Health Insurance for Foreigners in Spain

Spanish regulations stipulate that foreigners residing in Spain for more than 90 days must have private health insurance that covers all necessary healthcare services during their stay. This insurance must provide the same coverage as the Spanish national health system and must be valid nationwide.

Frequently Asked Questions about Health Insurance for Foreigners

In this section, we will discuss everything related to health insurance for foreigners. If any concept is unclear, please feel free to ask us, and we will be delighted to respond.

What health insurance can a foreign student obtain in Spain?

The medical insurance that a foreign student must obtain in Spain depends on whether they are a member of the European Union. If the student is from the European Union, they do not need to obtain a student visa. However, if the student is not from the European Union, they will need private health insurance, which is essential for applying for a student visa in Spain.

Is health insurance mandatory for foreigners in Spain?

Health insurance is mandatory for foreigners in Spain if you plan to stay in Spanish territory for more than three months and do not have an employment contract.

What type of health insurance should I obtain for an NIE?

The health insurance for an NIE (foreigner’s identity number) should have the following characteristics: comprehensive coverage, no waiting periods, and no copayments. Any insurance offering these features will be suitable for your foreign status application or to present to the police.

How much can health insurance for foreigners cost?

Generally, the cost of health insurance for foreigners varies depending on age and whether the individual has any pre-existing conditions. Companies typically perform an individual assessment.

Health insurance plans with no copayments and no waiting periods start at prices from €500 upwards. If you would like us to provide you with a non-binding quote, you can write to us using our contact form.