Using Your Cover FAQs
Common questions about using your Spanish health cover — the cuadro medico, claims and reimbursement. Still stuck? Ask us.
Frequently asked questions
What is the cuadro medico?
It is the insurer's directory of approved doctors, specialists and hospitals you can use. See cuadro medico.
How do I book an appointment?
On network plans you usually pick a provider from the cuadro medico and book directly or via the insurer's app; this varies by insurer.
Do I need a referral to see a specialist?
Some plans need a GP referral or authorisation for specialists or scans; requirements vary by insurer and policy.
How does reimbursement work?
On reimbursement plans you pay the provider then claim the cost back up to your policy limits. See plan types.
Can I see English-speaking doctors?
Yes — many network providers offer English-speaking care, especially in expat areas. See English-speaking doctors.
What do I do in an emergency?
Emergency and ambulance care is typically covered; in a serious emergency call 112 first, then notify your insurer. Terms vary by insurer and policy.
Which hospitals can I use?
On network plans you use private hospitals in the cuadro medico. See private hospitals.
Do I need pre-authorisation for surgery or scans?
Major procedures often need prior authorisation from the insurer; this varies by insurer and policy — always check first.
How long do claims take to pay?
Reimbursement timeframes vary by insurer and policy; many pay within a few weeks once documents are received.
What if a treatment is refused?
You can usually request a review or follow the insurer's complaints process; check your policy terms for the steps.
Can I use my cover the day it starts?
Some benefits apply immediately while others have waiting periods. See no-waiting-period cover.
Do I get a member card or app?
Most insurers provide a digital or physical member card and an app to find providers and book; this varies by insurer.
Can I use private cover alongside public healthcare?
Yes — many residents use both. See public vs private healthcare.
What documents do I need to claim?
Typically the invoice, medical report and a claim form; exact requirements vary by insurer and policy.