Co-pay & Costs FAQs
Common questions about co-payments, pricing and what drives the cost of Spanish health insurance. Still stuck? Ask us.
Frequently asked questions
What is a copago (co-payment)?
A copago is a small fixed charge you pay per service, such as a few euros per GP visit. See no-copayment cover.
Why do visas require no-copayment cover?
Most consulates require full cover with no co-pays so applicants are not exposed to out-of-pocket charges. Requirements vary by consulate and can change.
How much does private health insurance in Spain cost?
Pricing is indicative only and varies by age, plan and insurer. See cost guide or use our cost calculator.
What makes premiums go up or down?
Age, the plan type, co-payment options and add-ons all affect price; figures vary by insurer and policy. See prices guide.
Is copago insurance cheaper than no-copago?
Co-payment plans often have lower premiums but charge per visit, so the best value depends on how often you use care. Costs vary by insurer and policy.
Does age affect the price a lot?
Age is one of the biggest factors, with premiums generally rising for older applicants. See cover for retirees.
Are children cheaper to insure?
Children's premiums are usually lower than adults', though this varies by insurer and policy. See family cover.
Can I pay monthly or only annually?
Many insurers offer monthly or annual payment; visa applicants are sometimes asked to show a year paid or committed. This varies by insurer.
Do pre-existing conditions raise the cost?
They can affect price, terms or acceptance, depending on the insurer. See pre-existing conditions.
How can I get the best price?
Compare like-for-like cover across insurers and match the plan to your needs. Compare plans or get a quote.
Do prices change at renewal?
Premiums commonly rise at renewal with age and medical inflation; the amount varies by insurer and policy. See renewals FAQs.
Is there a deposit or joining fee?
Most plans have no separate joining fee, but terms vary by insurer — check before you buy.
Does location in Spain change the price?
Pricing can vary slightly by region and available network; figures are indicative only. See locations.
Is private insurance cheaper than the convenio especial?
It depends on age and plan; the convenio especial is a public pay-in scheme with its own rules. See convenio especial.
Can I estimate my cost before getting a quote?
Yes — try our cost calculator for an indicative figure, which varies by age, plan and insurer.