Spain is renowned for its excellent healthcare system, offering both public and private options that cater to residents and visitors alike. If you’re a foreigner living in Spain, understanding how both systems work can help you make informed choices about your medical care.

The Public Healthcare System (Sistema Nacional de Salud – SNS)

Spain’s public healthcare system is highly efficient and universal, providing free or low-cost medical services to residents. It is primarily funded through taxes, meaning that workers and residents contribute through social security payments.

Who Can Access It?

• EU Citizens: If you’re from an EU country, you can use the European Health Insurance Card (EHIC) for temporary medical care.
• Residents and Workers: Foreigners who work and pay into the Spanish social security system can access public healthcare like any Spanish citizen.
• Pensioners & Special Cases: Retired expatriates from the EU often receive public healthcare through agreements between Spain and their home countries.

What’s Covered?

The SNS covers most primary care, emergency treatment, specialist consultations, hospitalizations, and medications at subsidized costs. However, dental care and certain treatments might require private coverage.

The Private Healthcare Sector

While the public system is robust, many foreigners opt for private health insurance for added convenience and shorter waiting times. Spain boasts high-quality private hospitals and clinics, which often provide multilingual support, making them a preferred choice for expatriates.

Why Choose Private Healthcare?

• Faster Access: Public healthcare can have long wait times for specialist appointments.
• Greater Comfort: Private facilities often offer more personalized care and modern amenities.
• Broader Coverage: Some treatments not covered by SNS, like dental care and advanced diagnostics, are included in private plans.

How Much Does Private Insurance Cost?

Prices vary depending on age, coverage, and provider, but generally range from €40 to €150 per month. Popular private insurers include Sanitas, Adeslas, Mapfre, and DKV, offering various plans suited for expatriates.

Which System Is Best for You?

Choosing between public and private healthcare depends on your situation. If you’re legally employed or an EU citizen, you can access public healthcare for free. However, if you prefer faster treatment and broader coverage, investing in private insurance can be worthwhile.

For long-term residents, combining both options—using SNS for general medical needs and private insurance for specialist services—offers the best of both worlds.

Spain’s healthcare system is one of the best in Europe, ensuring that expatriates receive top-notch medical care, whether they choose public services or private insurance. If you’re moving to Spain, researching your healthcare options early will make your transition smoother and stress-free.