Health Insurance in Spain for residency

• Be younger than 69 years old.
• Have a bank account in Spain.
• Have a Spanish address.
• Have a NIE/NIF or passport.
• If you are a minor, the mother, father or legal guardian must be the policyholder.

Health insurance is an annual policy which renews automatically. If you do not wish to renew your policy, you need to let us know by providing one month’s notice ahead of its expiry date.

Our Adapta + Sonrisa plan offers unlimited use of all the medical specialities mentioned, except psychology, which has a co-payment of €8/session.

Co-payment means that insured parties contribute to the cost of services included in the majority of health insurance policies on the market.

This involves a payment of a small amount by the insured party to make use of certain services. This prevents an increase in the generic cost of the premium for all policyholders with the same insurance, by assigning these amounts according to the individual use of each person.

But don't worry, our Adapta + Dental + Repatriation has no co-payments.

Via a personally issued, non-transferable card from Caser. This will show your insurance number, personal details and the type of insurance that you hold. When you visit a health centre, all you need to do is show the card at reception.

In certain cases, due to safety, you may be asked to provide another type of identification in addition to your card.

Along with the application for health insurance, a health questionnaire is included. This consists of a health declaration signed by each one of the insured parties who will be included in the policy prior to it being formalised. It includes relevant questions regarding the state of health of each person to be insured. Each person to be insured must complete this questionnaire (except for minors under the age of 18, whose declaration will be completed by their father/mother or legal guardian), in which you are obliged to answer each question truthfully, and note down all known circumstances in relation to your health (past and current). These answers will be considered by the insurer, in order to make an accurate risk assessment with regard to the insurance policy, reject the policy or establish any exclusions of coverage for any of the pre-existing conditions that may be declared (upon acceptance of the insured party).

In the event of falsehood, inaccuracy or intentional omission of information in any of the declarations made in the questionnaire, the insurer may cancel the insurance policy.

Yes, of course. For that to happen, the contract has to have been taken out remotely and the maximum length of time to cancel it is 14 days following receipt of the policy. However, you will be charged for a proportional part of the services that have already been provided.