Plans & Cover FAQs
Common questions about what Spanish health plans cover, plan types and add-ons. Still stuck? Ask us.
Frequently asked questions
What does private health insurance in Spain typically cover?
Plans typically cover GP and specialist visits, diagnostics, hospital care and surgery, though exact benefits vary by insurer and policy. See private health insurance.
What is the difference between cuadro medico and reimbursement plans?
Cuadro medico plans use the insurer's network of providers, while reimbursement plans let you pay and claim back. See cuadro medico.
Are prescriptions covered?
Outpatient prescriptions are often excluded or limited on Spanish private plans; this varies by insurer and policy. Ask us for plans with pharmacy benefits.
Is dental included?
Basic dental is sometimes included or available as an add-on; full treatment usually needs a separate dental plan. Cover varies by insurer and policy.
Does private insurance cover maternity?
Many plans cover maternity after a waiting period; the length varies by insurer and policy. See no-waiting-period cover.
Can I add cover for my family?
Yes — most plans let you add a partner and children on one policy. See family cover.
What is no-copayment cover and who needs it?
It means no per-visit charge to you, and is usually required for residency visas. See no-copayment cover.
Does Spanish private insurance cover me outside Spain?
Cover is mainly for Spain; some plans add limited travel or emergency cover abroad, which varies by insurer and policy.
Are mental health and physiotherapy covered?
Many plans include physiotherapy and some mental health support, often with session limits that vary by insurer and policy.
Can I keep my own doctor or hospital?
On network plans you choose from the cuadro medico; reimbursement plans give more freedom but cost more. See private hospitals.
Is there an upper claim limit?
Many Spanish private plans have high or unlimited annual limits, but caps vary by insurer and policy — always check the terms.
Does cover include ambulance and emergencies?
Emergency and ambulance services are typically included; exact terms vary by insurer and policy.
Can I get a plan with full English-speaking service?
Yes — many providers offer English-speaking doctors and support. See English-speaking doctors.
What add-ons are commonly available?
Common add-ons include dental, enhanced abroad cover and reimbursement options; availability varies by insurer. Compare plans.
How do I choose between plan types?
It depends on budget, whether you want network or reimbursement, and visa rules. See best health insurance.