Private health insurance

Find low-cost, high-value private health insurance in Mallorca

Cheap and affordable private health insurance in Mallorca and throughout Spain, for everyone, with free choice of doctors worldwide at the highest level.

As soon as we become residents in Spain or obtain resident status, we are usually covered by the statutory health insurance, the ´Seguridad Social´. Although this offers basic care, it often does not correspond to the standard we are used to at home. Many Spaniards and foreigners who want more comprehensive medical care and a free choice of doctor, even for routine examinations, therefore opt for private health insurance – with worldwide cover.

Another obstacle for us foreigners is often a lack of knowledge of Spanish, which makes it difficult to express ourselves clearly in the medical field and build up the necessary trust. This can be a very big problem when it comes to emergencies and other serious situations.

The good news is that it is surprisingly easy and much cheaper to take out private health insurance in Spain than in many other countries. We can help you find the right solution for your needs.

Why choose us

1. Low Rates & High Savings: We work closely with insurers to get you special rates and help you save significantly.

2. No risk: Our dedicated, independent consultants provide you with free, no-obligation advice, ensuring you get the best coverage for you.

3. Excellent customer support, 24/7 even on Christmas Eve

Request a quote

1 Step 1

Birthday

E-mailAn diese Adresse senden wir Ihr Angebot

Phone numberIf you want to further personalize your offer and benefit from special offers

First name

Surname

First name / Surname

Birthday

First name / Surname

Birthday

First name / Surname

Birthday

First name / Surname

Birthday

Would you like to provide further information?

NoYes

Your commentsWie können wir Ihnen behilflich sein?

0 /

Language

Privacy Policy

I have read and understood the Iberia insurance brokers privacy policy

A lot is going on in the insurance industry right now.

Please keep me informed about new and upcoming products and services

reCaptcha v3

Services

What benefits do our private health insurance plans cover?

Stable premiums from as low as EUR 34
Admittance of persons above 75 years
Access to all medical facilities
No advance payment when attending associated health care facilities
Worldwide cover
Medication and aids
Psychotherapy
Dental care
Homeopathy
Hospitalization in single room plus bed for an accompanying person
Worldwide travel insurance up to EUR 12.000
Preventive medical checkup
24 hour hotline
Plenty more covers

SERVICE +

, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

Selection of insurance from more than 10 different insurance companies
24/7 hotline – free – Spain wide
personal consultation for the customer on spot
Cost-benefit analysis of the pension schemes with optimization suggestions
Advice in your language

The Benefits of Private Health Insurance in Spain

Faster Access to Specialists: While the public system sometimes faces longer waiting times for specialist appointments, with private insurance, you can usually get appointments much faster.
Choice of Doctors: With private health insurance, you often have a wider selection of doctors and clinics, which can be especially useful if you need specialized care.
Comfortable Hospital Stays: Private health insurance often includes better hospital accommodations, such as private rooms and enhanced services during your stay.

What does this mean for you?

If you live in Spain, you won’t need to worry much about healthcare costs in your daily life. Most medical services are free, and the public system functions well for the majority of health needs. However, if you want more flexibility or quicker access to specialists, having a private health insurance plan can be a good complement. It may also be worth considering private health insurance for dental care or specialized treatments.

Ultimately, living in Spain gives you the peace of mind that the public system will take care of your health needs, and if you desire additional comfort or faster services, you can always opt for private healthcare options to enhance your experience.

FAQ

FAQ

Frequently asked questions about private health insurance:

WHAT health cover does the Seguridad Social provide

Every Spanish citizen or resident, employee or self-employed person has automatic health insurance cover. Due to lack of funds the system is limited to a very basic cover and waiting periods for complicated treatments can extend for years.

HOW does the Spanish private health system work?

Spanish health insurance schemes are designed on the premise that every person has a basis cover through the Seguridad Social to which the private health insurance only adds.

Health insurance plans in Spain differ widely with regard to coverage and premiums. Generally speaking, two basic distinctions are usually made:

Access only to associated doctors and health care facilities
Access to associated doctors and health care facilities as well as free access to any external facility.

When care is provided by an associated hospital or center, bills are directly settled between the provider and the insurance company. When attending external facilities, the insured are directly billed and get a subsequent 80% refund.

HOW does the health system in Spain differ from other European countries?

In Spain, the healthcare system is primarily tax-funded, similar to systems in the UK or Scandinavia. This means that as a citizen or legal resident, you don’t need to worry about monthly insurance premiums, as the public healthcare system is accessible to everyone and mostly free of charge. However, the language barrier can be a problem for non-Spanish speakers. That’s one of several reasons why insurance can be a good idea.

How does it work in practice?

Public Healthcare: If you live in Spain, you automatically have access to the public healthcare system, which is funded by taxes. You’ll need to register with the local health authority and receive a health card. This card allows you to visit a primary care doctor (your general practitioner) without any additional costs. If necessary, your doctor will refer you to a specialist, and these services are also covered by the public system.
Doctor Visits and Hospital Care: Doctor visits, hospital stays, emergency care, and most medical treatments are free. You simply go to your local general practitioner (médico de cabecera) at your assigned clinic. If more serious treatment is required, you’ll be referred to a hospital, and this is also covered by the public system.
Medications: Prescription drugs are heavily subsidized. This means you only pay a small portion of the cost at the pharmacy, while the rest is covered by the state. Seniors and low-income individuals often pay even less.
Dental Care and Certain Treatments: Dental care and some specific treatments (like certain eye care or alternative therapies) are not fully covered and must be paid for out of pocket or supplemented through a private health insurance plan.

DO you have to be a resident of Spain to get private health insurance?

No, you don’t have to be a resident of Spain to get private health insurance. Many insurance companies in Spain offer private health insurance plans to non-residents as well, which means that even if you don’t have official residency but spend time in Spain (whether living there part-time or traveling frequently), you can still be covered. This is particularly helpful if you have a holiday home in Spain or spend extended periods in the country and want to ensure you’re protected.

As a non-resident, you still have access to the full benefits of private health insurance in Spain, such as fast access to doctors, free choice of doctors, private hospital rooms, and many more perks that make private health insurance so attractive.

IS it worth comparing private health insurance plans?

Yes, it’s definitely worth comparing private health insurance plans in Spain. Everyone has different healthcare needs, and the various insurance providers offer a range of plans with different coverage options, prices, and conditions. By comparing, you can ensure you find the plan that best fits your needs, without paying too much or missing out on important benefits.

IS Sanitas any good for foreigners in Spain

Sanitas ensures you have access to a comprehensive network of medical facilities and specialists, offering excellent coverage that can be customized to suit your personal requirements. They are helpful in providing documents in your native language. They have lots of options tailored to everyone from international students to pensioners, with and without co-payments and from primary care to dental plans. For more information visit our blog post on Sanitas Mas Salud.

CAN I switch my private health insurance with the help of someone who speaks English

Yes. Switching from your existing private health insurance policy to a new one is easy. Our independent agents are up to speed on all of the latest private health insurance offerings and speak fluent English.

Personal advice

Seek advice? Get now direct and non-binding advice.
Just leave us your e-mail address or telephone number and we will get back to you as soon as possible.

My personal offer

All form data will be transmitted encrypted and processed internally confidentially by us.

Get the best policies and rates here.

Iberia Insurance Broker reviews your existing insurance policies and provides you with comparative offers from various insurers including Allianz, Liberty, Zurich, DKV, and many more. With our headquarters in Mallorca and specialists throughout Spain, we are always on hand to offer you advice that saves you money.

We speak your language:
+34 971 69 90 96 - Telephone
+34 900 525 890 - free hotline 24/7
info@iberiainsurancebrokers.co.uk