Find out what private health insurance costs in Spain. Real examples by age, visa type, and provider. Learn what affects pricing and what’s included. 

How Much Does Private Health Insurance Cost in Spain? 

Real examples by age, provider, visa type, and what affects your premium 

One of the biggest questions people ask when relocating is: how much does private health insurance cost in Spain? 

The good news is — compared to many countries — it’s surprisingly affordable, even for full coverage plans. But prices vary depending on your age, visa type, and the type of plan you need (e.g. with or without co-payments). 

This guide breaks it down with real numbers, average monthly premiums, and the key factors that affect your quote.

Average Cost of Private Health Insurance in Spain 

Here’s what you can expect to pay per month in 2025 for a no co-pay (sin copago) plan — the type required for residency and visas: 

Prices are estimates based on major Spanish insurers in 2025 (ASISA, DKV, Sanitas, Adeslas). Actual premiums may vary. 

What Affects the Price of Private Health Insurance?

Several factors determine your monthly premium in Spain: 

✅ Age 

Premiums increase as you get older — especially over 50. 

✅ Coverage Type 

• No co-pay (sin copago): More expensive, but required for visas 

• Co-pay (con copago): Lower monthly cost, but you pay per visit 

Learn the difference in Types of Plans 

✅ Add-ons 

Dental, maternity, mental health, and international coverage increase the premium. 

✅ Location 

Some insurers vary pricing by province or city. 

✅ Number of people covered 

Couples and family plans may be cheaper per person, but the total is higher. 

Cost for Visa Applicants

If you’re applying for a: 

• Non-lucrative visa 

• Digital nomad visa 

• Initial residency (non-EU citizens) 

…you’ll need a no co-pay plan from a Spanish-licensed insurer. These policies are full coverage, include hospitalisation, and usually start at: 

• €50–€70/month (ages 18–45) 

• €80–€120/month (ages 46–65) 

• €150–€250+/month (65+) 

Get exact details in Health Insurance Requirements for Residency

Is It Cheaper with a Co-Pay Plan?

Yes — co-pay plans have lower premiums, starting around €30–€50/month, but you’ll pay small fees for each appointment or test. 

These are not accepted for visas or residency, but they’re ideal for: 

• People already in the public system 

• Long-term residents who want quicker access 

• Families managing routine care costs     

Extra Costs to Watch For

Even with full coverage, you may encounter: 

• Waiting periods for surgery, maternity, or mental health (up to 6 months) 

• Prescription costs (often not included outside of hospitalisation) 

• Dental and vision care — usually requires add-ons 

• Pre-existing conditions — may raise the price or trigger exclusions 

Want to see what’s covered? Check What Does Private Health Insurance Cover?

Is It Worth the Cost? 

For many expats, private health insurance offers faster access, bilingual doctors, and flexibility — all for far less than you’d pay in the U.S. or other countries. 

Plus, for visa applicants, it’s non-negotiable.

Final Word

Private health insurance in Spain typically costs between €45 and €150 per person per month, depending on your age, plan type, and extras. Visa-compliant plans are on the higher end, but provide full protection and legal acceptance. 

Not sure which type you need? Start with Who Needs Private Health Insurance or learn how to compare Types of Plans.