Expat Healthcare in Spain

Published on October 2, 2025 and written by Cyril Jarnias

Spain is a popular destination for many expatriates, particularly for its quality of life and pleasant climate. But what about healthcare in this country? For expatriates considering moving to Spain, it’s crucial to understand how the local healthcare system works and what options are available to access quality medical care. In this article, we’ll explore in detail the essential aspects of healthcare for expatriates in Spain, from treatment possibilities to expected costs, including the country’s best private clinics.

A High-Performing Spanish Healthcare System: What Opportunities for Expatriates?

Spain has a free, high-quality public healthcare system, funded by social security contributions and accessible to residents. This system, called “Seguridad Social,” offers comprehensive medical coverage and is considered one of the best in Europe. For expatriates, this means it’s entirely possible to benefit from quality healthcare in Spain, provided certain conditions are met.

However, it’s important to note that access to care can vary by region. Major cities like Madrid, Barcelona, and Valencia benefit from modern medical infrastructure and a wide choice of healthcare professionals. In contrast, in rural areas and small towns, the number of hospitals and specialized doctors may be more limited, which can sometimes complicate quick access to care.

For expatriates who aren’t eligible for the Spanish public healthcare system or who want more extensive coverage, there’s also a well-developed private healthcare system. Many private clinics and hospitals offer high-quality care, often with shorter wait times than in the public sector.

Expatriates therefore have several options for receiving medical care in Spain:

• Enroll in the Spanish public healthcare system (if eligible)
• Purchase private Spanish health insurance
• Opt for international health insurance
• Combine public system enrollment with private supplemental insurance

Healthcare Budget in Spain: What Costs to Expect for Expatriates?

The budget to plan for healthcare in Spain can vary considerably depending on several factors, including the expatriate’s status, the type of coverage chosen, and specific medical needs. Here’s an overview of different situations and associated costs:

1. Spanish Public Healthcare System

For expatriates who can benefit from the Spanish public healthcare system, costs are generally very advantageous. Most care is free or requires only minimal co-payment. However, it should be noted that some services, like dental or optical care, are only partially covered.

2. Private Spanish Health Insurance

Private health insurance in Spain is generally less expensive than in France and offers interesting supplemental coverage. Rates can vary depending on age, health status, and level of coverage chosen, but you can expect monthly premiums ranging from €50 to €200 per person.

3. International Health Insurance

International health insurance offers more comprehensive coverage, particularly for care abroad, but is generally more expensive. Premiums can range from €100 to €500 per month, or more, depending on the coverage level and the insured’s age.

4. Costs of Care Without Insurance

For those who choose to pay for their care directly, here are some examples of average costs in Spain:

• General practitioner consultation: €40-60
• Specialist consultation: €60-120
• Hospitalization per day: €200-500
• Normal delivery: €2,000-3,000
• MRI: €200-400

It’s important to note that these costs can vary by region and facility. In major cities like Madrid or Barcelona, prices may be higher than in less urban areas.

Top 5 Private Clinics in Spain: Medical Excellence Serving Expatriates

Spain has many private clinics renowned for their quality of care and state-of-the-art equipment. Here’s a selection of the best private clinics particularly appreciated by expatriates:

1. Centro Médico Teknon (Barcelona)

Centro Médico Teknon is a world-renowned private medical facility located in Barcelona. It’s particularly known for its specialties in epileptology, neurosurgery, oncology, and cardiac surgery. The clinic is equipped with cutting-edge medical technologies and attracts an international clientele, including celebrities and high-level athletes.

• Highly qualified medical team
• State-of-the-art equipment and technologies
• Wide range of medical services, from consultations to complex surgeries
• Modern and comfortable environment

2. Hospital Quirónsalud Madrid

Hospital Quirónsalud Madrid is considered one of the best clinics in Spain and Europe. It’s the largest center in the Quirónsalud group in terms of number of patients treated annually. The clinic specializes in oncology, neurosurgery, cardiac surgery, plastic surgery, and assisted reproduction.

• Active research team in cancer treatment and neurodegenerative diseases
• Possibility to participate in clinical trials
• 23 operating rooms equipped with advanced technologies
• Personalized services for international patients

3. Clinica Universidad de Navarra (CUN)

Clinica Universidad de Navarra, located in Pamplona and Madrid, is regularly ranked as the best private hospital in Spain. It’s particularly recognized for its expertise in sarcoma treatment and offers a multidisciplinary approach to care.

• Close collaboration with the university for medical research
• State-of-the-art equipment, particularly in medical imaging
• Personalized approach to care
• Strong expertise in oncology and complex surgery

4. Hospital Quirónsalud Barcelona

Hospital Quirónsalud Barcelona is renowned for its advanced oncological care, particularly through the Baselga Oncology Institute. The clinic collaborates with leading American centers and has state-of-the-art equipment like PET-CT and MRI.

• Innovative oncology treatments
• Robotic surgeries
• High-level assisted reproduction services
• Personalized welcome for international patients

5. HM Hospitales (Madrid)

HM Hospitales is a private hospital group with several facilities in Madrid. It’s recognized for its excellence in various medical and surgical specialties, as well as its commitment to research and medical innovation.

• Network of several hospitals offering a wide range of specialties
• Significant investment in medical research
• State-of-the-art equipment
• Services adapted for international patients

Practical Tips to Optimize Your Health Coverage as an Expatriate in Spain

To ensure optimal medical coverage in Spain, expatriates need to take certain precautions and make the right choices regarding health insurance. Here are some practical tips for managing your health as an expatriate in Spain:

1. Assess Your Personal Situation

Before choosing health coverage, take time to assess your specific needs. Consider your age, general health status, medical history, and that of your family if you’re accompanied. This will help you determine the level of coverage you actually need.

2. Research Your Rights

If you’re a citizen of the European Union, European Economic Area, or Switzerland, you can benefit from the European Health Insurance Card (EHIC) for temporary care. For permanent residence, check if you’re eligible for the Spanish public healthcare system.

3. Compare Insurance Offers

Don’t settle for the first insurance offer you find. Compare several options, considering not only price but also coverage benefits, reimbursement limits, and possible exclusions.

4. Opt for Comprehensive Coverage

Even though the Spanish public healthcare system is of good quality, supplemental insurance can prove valuable. It will allow you to access care more quickly, choose your doctors, and be covered for services not included in the public system.

5. Consider International Insurance

If you travel frequently or plan to change your expatriation country in the future, international health insurance can be a wise choice. It will guarantee continuous coverage, regardless of your place of residence.

6. Verify Coverage for Chronic Conditions

If you suffer from a chronic condition, make sure your insurance covers the follow-up and treatment of this condition. Some insurance policies may exclude pre-existing conditions.

7. Familiarize Yourself with the Local Healthcare System

Take time to understand how the Spanish healthcare system works. Identify hospitals and clinics near you, and research procedures to follow in case of emergency.

8. Keep Track of Your Medical Documents

Carefully keep all your medical documents, including prescriptions, test results, and consultation reports. This information can be valuable for ensuring consistent medical follow-up.

9. Learn Some Medical Terms in Spanish

Even though many doctors speak English, especially in major cities, it can be helpful to learn some basic medical terms in Spanish to facilitate communication when needed.

10. Stay Informed About Healthcare System Developments

Rules and procedures can change. Stay informed about changes in the Spanish healthcare system that could affect your coverage or access to care.

In conclusion, Spain offers a favorable environment for expatriates in terms of healthcare. With a high-performing public system and a network of high-level private clinics, there are many options for receiving quality care. However, it’s essential to properly prepare your health coverage before expatriation and remain vigilant about your medical needs throughout your stay. By following these tips and choosing appropriate insurance, expatriates can approach their new life in Spain with peace of mind, knowing they’ll receive medical care that meets their expectations.