You are moving to Madrid – great ! However, you are a European Union citizen, and will not be an employee or self-employed under the Spanish law. As such you are not entitled to any public health insurance coverage. Read this post if you are not sure if you are entitled to health care in Madrid and Spain.
This post will explain how you can get a basic health coverage for you and your family.
First of all, I strongly recommend you take a comprehensive plan, which includes not only “in-patient treatment“, which includes all hospital-related costs, but also “out-patient benefits“, MD/doctors fees in normal “Centros de Salud” or the Spanish Health centers.
Then, you need to decide if you need a specific expat international health insurance or only a Spanish private health insurance.
If you are going to live nearly all year in Spain, and will speak some spanish, go for the Spanish private health insurance. You can always take a travel insurance when you come back to your home country for visiting your family and friends for a few days or even weeks.
If you are going to travel a lot, go back often to your home country, and maybe change countries, then an international health insurance is the right decision to take.
Finally, I am going to directly advise you 2 options:
- go for the leader in the market in terms of quality and size of private infrastructures they have in Spain and especially Madrid: Bupa, or Sanitas (Spanish brand of the same Bupa group).
- ask for a specific professional quote from firstname.lastname@example.org, an insurance broker with strong ethics and specialist focus.
This post illustrates my experience. If you want to make 100% sure you get the most cost-effective deal for your very specific case, do contact a health insurance broker. Sanitas Mundi is a solid solution for most cases, and I hope it will have given you at least a very good standard to measure against.
If you have any kind of question about health care in Madrid and Spain, do send us an email and we will answer !
Pierre and the Moving2Madrid Team