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- How much does private health insurance cost in Spain? - February 20, 2026
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In Spain, the cost of private health insurance depends on the plan type and the individual profile, but Rastreator โs Health Insurance Price Index places the average at โฌ46/month for a basic no-co-pay plan and โฌ74/month for a comprehensive plan.
Private health insurance typically provides access to a wider network of doctors, which depending on the plan, may cover tests, hospitalization, or reimbursement of expenses. It does not replace the public healthcare system, but it can complement access, especially in terms of waiting times and choice of healthcare providers.
What influences the price
The price varies mainly depending on the insured's age, the city, whether there are co-payments, whether hospitalization is included, and whether reimbursement is allowed outside the network of providers. Additional services, such as dental care, extended physiotherapy, or digital services, also influence the price, as they increase the monthly premium.
Private health insurance in Spain
In Spain, the most common option is to take out insurance with a network of doctors, which provides access to professionals and centers affiliated with the insurer. The premium is usually lower when there is a co-payment, and higher when the policy is more comprehensive or aims to reduce out-of-pocket expenses.
Co-payment, no co-payment, and refund
A co-payment is a small payment per service, such as a consultation or test, and usually lowers the monthly fee compared to plans without co-payments. Reimbursement works differently, allowing you to seek care outside the network and recover a percentage of the cost, subject to the limits and conditions of the contract.
Private health insurance and European Health Insurance Card
If your stay is temporary and you come from a country with compatible cover, the European Health Insurance Card is linked to necessary state healthcare during your trip, not private care, which is why many people pair it with travel insurance.
What does private health insurance usually cover?
Coverage typically depends on whether the policy is outpatient only or includes hospitalization, and whether it limits care to a specific network of doctors or allows for reimbursement. This table summarizes typical differences without going into details for each company.
| Mode | It usually includes |
|---|---|
| Medical Staff | Specialists, tests |
| Hospitalization | Admission, surgery |
| Refund | Off-screen |
| Telemedicine | Video consultation, chat |
This content is for informational purposes only and does not replace personalized advice. For exact terms, coverage, exclusions, and pricing, please review your policy and confirm with your insurer, doctor, or pharmacist whether it affects any ongoing treatments.
