How Much Does Private Health Insurance Cost in Spain?

Average prices in 2025–2026

The most useful market-wide figure comes from the comparison site Rastreator, which publishes an annual price index based on the premiums of policies arranged through its platform. Its December 2025 release found:

• A basic policy without co-payments (básico sin copago) averaged €46 a month.
• A complete policy (completo) averaged €74 a month.
• The average premium rose 19% compared with 2024.
• Premiums for the same cover varied by up to 72% depending on age.

Rastreator broke the complete-cover average down by age:

Source: Rastreator price index, 22 December 2025.

These are averages of what people bought, not quotes. They include many younger Spanish buyers and policies that would not satisfy a visa application, so treat them as the floor of the market rather than a target if you need residence-grade cover.

Where you live matters

Premiums are set by province. In Rastreator's data, the Balearic Islands averaged €57 basic and €136 complete, Catalonia €51 and €125, while Extremadura was cheapest at €39 and €94. Sanitas's own regional tables show the same pattern for one product: its no-co-pay policy for a 30–34-year-old costs €89.53 a month in the standard zone, €94.90 in Valencia, €102.92 in Mallorca, €112.16 in Barcelona, €115.43 in Madrid and €174.46 in Ibiza.

Price by age: a real insurer tariff

Averages flatten the age curve. An insurer's published tariff shows it clearly. Sanitas publishes its full price list, and its April 2026 tariff for Sanitas Más Salud Sin Copago (complete cover with no co-payments, the type most visa applicants buy) looks like this for one person in its standard zone:

Source: Sanitas tariffs, April 2026, "Resto" (standard) zone, individual policy, new members with a start date between 1 April and 31 December 2026. A 0.15% Consorcio de Compensación de Seguros surcharge is added on top.

Two things stand out. The jump from the early 50s to the early 60s is about 58%, and the premium more than doubles between 30 and 65. Sanitas accepts new members up to age 75 with no upper age limit for staying insured; other insurers stop earlier (Adeslas Plena Vital, for example, can be taken out up to 70). If you are older, see health insurance for over-75s.

What the main insurers charge

Insurers advertise "from" prices. These are real, but they are usually calculated for the cheapest profile, often a child in a low-cost province, so your quote will be higher. Here is what each insurer's site showed when we checked in October 2026:

Sources: ASISA, DKV, Adeslas Plena Vital, Adeslas Plena Total, Sanitas prices, Sanitas visa page.

English-speaking brokers sell the same Spanish products at the insurer's tariff. HealthPlan Spain, for example, lists Sanitas Más Salud from €59.90 per person per month and is open about the loadings: an 8% surcharge for a single-person policy, and 5–15% extra in Valencia, Lleida, Barcelona and the Balearics. Those loadings help explain why the advertised floor and a real quote for one adult differ. To compare prices properly, see how to get quotes in Spain.

Visa-grade cover versus co-payment policies

The single biggest price lever, after age, is whether the policy has co-payments (copagos, a small fee each time you see a doctor or have a test).

For a residence visa you generally cannot use the cheap version. The Spanish Consulate in Chicago, for instance, asks for a policy that covers "all the risks insured by Spain's public health system" with "unlimited coverage with no co-payment (or deductible)". Many consulates also ask for no waiting periods (sin carencias): the São Paulo consulate, for example, requires a policy "sin carencias, ni copago y sin límite de cobertura". Check the exact wording for your route: see health insurance for the non-lucrative visa.

The price gap is large. In Sanitas's April 2026 standard-zone tariff, a 25–29-year-old pays:

HealthPlan Spain marks Óptima and Plus as not suitable for visa or residency, and the no-co-pay versions as suitable. At ASISA, complete cover starts at €24.25 with co-payments against €50.92 without.

Co-payment policies are good value if you already have public healthcare and want faster specialist access, because occasional use rarely adds up to the premium difference. Adeslas caps co-payments on Plena Vital at €300 per person a year, which puts a ceiling on the downside. For the detail, see what sin copago means.

How much premiums rise each year

Expect your premium to go up at every renewal, for two reasons.

1. Age bands. Most Spanish tariffs price in five-year bands. Moving from 55–59 to 60–64 on the Sanitas tariff above adds about 28%.
2. Medical inflation. Rastreator measured a 19% rise in average premiums in 2025. INE's consumer price index line for health insurance was up 8.9% year on year in August 2026, against 4.3% general inflation, according to Selectra's analysis of INE data.

Under article 22 of the Insurance Contract Act (Ley 50/1980), your insurer must tell you about any change to the contract at least two months before the current period ends, and you can stop the policy renewing by giving written notice at least one month before the end. That two-month window is your chance to compare. Bear in mind that a new insurer may apply fresh waiting periods and exclude conditions you developed while insured; see cancelling, renewing or switching.

Tax relief for autónomos and employees

If you are self-employed (autónomo) and taxed under estimación directa, the Agencia Tributaria allows you to deduct health insurance premiums for yourself, your spouse and children under 25 who live with you. The limit is €500 per person per year, or €1,500 for a person with a disability. The rule sits in article 30.2.5ª of the IRPF law and is still referenced in AEAT's 2025 manual.

For a couple with two teenage children on a typical family policy, that is up to €2,000 a year of deductible expense. It reduces your taxable profit; it is not a refund of the premium.

Employees get a similar benefit when the employer pays. Employer-paid premiums are exempt from income tax up to €500 per person per year (€1,500 with a disability), covering the employee, spouse and descendants. Anything above that is taxed as a benefit in kind. More on the public side for workers is in public healthcare for workers and autónomos.

The public alternative: convenio especial

Once you have lived in Spain for a year, you may be able to buy into the public system instead. The convenio especial (a pay-in agreement with your regional health service) costs a national rate set by Real Decreto 576/2013:

To qualify you must have lived in Spain continuously for at least one year immediately before applying, be on the padrón (municipal register), and have no other route to public healthcare. Regions can add services and charge more than the national fee. The Ministerio de Sanidad page still lists €60 and €157.

For someone aged 65 or over, the comparison is stark: €157 a month for public cover against €201.31 to €227.88 on Sanitas's standard tariff (and at 60–64, €60 against €175.93). The one-year rule means it cannot replace private cover for a first visa. Full conditions are in our guide to the convenio especial.

How to get an accurate price

A real quote needs the same inputs every insurer uses, so gather them once:

1. Date of birth of everyone to be covered.
2. The postcode where you will live.
3. Whether you need visa-grade cover (no co-payments, no waiting periods).
4. Any pre-existing conditions, which you will declare in the health questionnaire.
5. Your preferred start date and payment frequency (Sanitas, for example, offers 4% off for paying annually).

Then compare the total cost of the year, not just the premium: co-payments, the dental and travel extras, and what happens at renewal. Our checklist for comparing policies sets this out step by step.