Expat-Specific FAQs
Common questions for expats moving to Spain — NIE, nationality, and public vs private cover. Still stuck? Ask us.
Frequently asked questions
Do expats need private health insurance in Spain?
Many do — for visas, residency or while not yet in the public system. See cover for expats.
Do I need an NIE to take out a policy?
You can often start a policy with a passport, but an NIE is usually needed for residency and admin. Requirements vary by insurer.
Should I use public or private healthcare?
It depends on your status and needs; many residents use both. See public vs private healthcare.
Can British expats get cover after Brexit?
Yes — UK nationals can take out private cover and may use an S1 if eligible. See S1 healthcare.
What is the S1 and who can use it?
The S1 lets some state pensioners and posted workers access public healthcare paid by their home country. See S1 healthcare.
Can EU citizens access Spanish public healthcare?
Often yes, via employment, an S1 or registration; private cover is an alternative. See EU residency cover.
Do family members of EU citizens get cover rights?
Family members of an EU citizen may have specific routes. See family member of EU citizen.
Is the EHIC or GHIC enough when I move to Spain?
No — those cover temporary visits, not residency. See EHIC/GHIC in Spain.
Can retirees moving to Spain get cover?
Yes — see cover for retirees; age and pre-existing conditions can affect terms.
What about digital nomads and remote workers?
There are tailored options for the digital nomad visa. See cover for digital nomads.
Do students moving to Spain need insurance?
Student visas usually require compliant private cover. See cover for students.
Can non-residents buy Spanish health insurance?
Yes — many plans accept non-residents. See cover for non-residents.
Will my home-country insurance work in Spain?
Usually not for residency; most consulates want cover from an insurer authorised in Spain. Requirements vary and can change.
How does the convenio especial fit in for expats?
It is a public pay-in scheme for residents not otherwise covered. See convenio especial.
How do I choose the right expat plan?
Match the plan to your visa, age and area, then compare. See best health insurance.