Health Insurance in Spain | Viva Finance
Everything you need to take care of your health
Choosing the right health insurance in Spain ensures access to quality medical care, faster appointments, and peace of mind.
Viva Finance helps residents and expats compare and select private health insurance plans from trusted providers — including options with or without co-payments, dental coverage, and international assistance.
Our experts guide you through the policy details so you get the protection that fits your lifestyle and budget.
Choose the option that suits you best
From essential medical services to the most comprehensive options on the market, compare the main health insurance solutions available in Spain.
Reimbursement
A flexible solution for those who want to personalise their health cover and choose professionals both inside and outside the medical directory.
- Customise the coverage to be included
- Choose the specialist inside or outside of the medical directory
- Obtain 90% of the cost of visits with professionals not included in the directory
Medical directory
A complete option with access to a wide network of healthcare professionals and the flexibility to choose cover with or without co-payment.
- More than 51,000 health professionals available to you
- All specialists areas included
- Choose the option you prefer, with or without co-payment
Dental
An accessible dental insurance option with a wide clinic network, free treatments included and no waiting period for cover to begin.
- Includes 78 free dental treatments
- No waiting period or limitation due to pre-existing condition
- More than 2,000 clinics available to you
Health insurance - What´s Included
All medical specialisation areas
Extensive authorised service provider network with renowned specialists. It includes psychology, podiatry, gynaecology and traumatology, among many others.
Medical emergencies and 24-hour nursing care
Instead of having to travel to a medical centre, you can receive prompt medical assistance at your home from a qualified professional who will evaluate your condition and offer the most suitable treatment.
The latest medical and technological innovations
Allianz’s team of professionals constantly updates the coverage to ensure you have access to the most advanced techniques at all times.
Surgical intervention, treatments and prosthesis
Surgical interventions in the best centres and with the best professionals.
Hospitalisation
Enjoy the peace of mind of having a single room with a bed for a companion.
Family planning
Pregnancy and childbirth: pregnancy monitoring (visits, ultrasounds, tests), delivery assistance with comprehensive care for the newborn, preparation for childbirth. Infertility diagnosis.
Travel assistance
The provision of medical assistance service while the insured person is travelling, anywhere outside of Spain, in the event of an accident, acute illness or chronic illness that requires immediate medical treatment.
Dental coverage
Included in the policy at no additional cost with 78 complimentary treatments and others at special prices.
Choose the coverage option that best suits your needs
| Individual health | SME insurance | |||||
|---|---|---|---|---|---|---|
| Authorised provider network | Reimbursement | Hospitalisation | Dental insurance | Reimbursement | Authorised provider network | |
| What is included | Access to an extensive authorised provider network with excellent centres and professionals. | In addition to the authorised provider network, you can choose whichever professionals you’d like to see. | If you would like access to a quality private health-care service. | Specific dental care insurance. | Take care of your employees’ health. | |
| Options | With or without primary health care. With or without co-payment. | Different reimbursement levels: Complete, Medium and Basic. | Services provided during hospitalisation and emergency care. | Dental insurance with free services and special prices. | Complete reimbursement. | Authorised provider network. With primary care and optional co-payment. |
| Coverage | Individual Health | SME insurance | ||||||
|---|---|---|---|---|---|---|---|---|
| Authorised service provider network | Reimbursement | Authorised service provider network | Reimbursement | |||||
| With primary health care | Without primary health care | Hospitalisation | Basic (annual limit: €110,000) | Medium (annual limit: €120,000) | Complete (annual limit: €200,000) | With primary health care | Complete (annual limit: €200,000) | |
| Primary health care | ||||||||
| Medical specialisation areas | ||||||||
| Emergencies in medical centres | ||||||||
| Emergencies at home | ||||||||
| Ambulance | ||||||||
| Diagnostic tests | ||||||||
| Surgical interventions | ||||||||
| Bloodless surgery | ||||||||
| Pregnancy and childbirth | ||||||||
| Hospitalisation | ||||||||
| Rehabilitation | ||||||||
| Travel assistance | ||||||||
| Dental assistance | ||||||||
| Remote medical support | ||||||||
| Wellness and health services | ||||||||
| Other coverages and services | ||||||||
Explore other insurance in Spain options, or learn how legal coordination in Spain help foreign buyers stay compliant and protected.
Frequently Asked Questions: Health Insurance
What take out a health insurance?
There are several reasons to take out a health insurance, although they are usually summarised in two or three reasons that are most common to private health insurances:
- Avoid waiting lists. Spanish public healthcare is one of the best in the world, although waiting lists often exceed the time that the patient is willing to wait, especially for diagnostic tests or visits with specialists such as traumatologists, endocrinologists, etc.
- Being able to choose your doctor. People often prefer to go to doctors who have been recommended to them or who they know are the best in their field; or to clinics that have a good reputation for their specialists or their treatments. Health insurance can facilitate access to these professionals within your medical directory when selecting the co-payment coverage option. With this option, you would choose your doctor or clinic and the insurance company would bear part of the costs.
- Prestigious clinics and treatment. Many of the most prestigious doctors with the most years of experience work within the private health field. If you’d like to access them, one way to do so is through health insurance that works with these medical centres or professionals. Allianz health insurance offers access to prestigious clinics such as Teknon and Quirón.
What is a waiting period in health insurance
The waiting period is the time that you will have to wait from when you take out health insurance until you can start using some benefits. This may vary, depending on the type of insurance contracted. Some examples of medical services that usually have a waiting period are hospital admission, childbirth, certain diagnostic tests or surgical interventions.
Please see the specific conditions of your Allianz health insurance policy to find out what the waiting periods are for your insurance.
What is the health co-payment?
The health co-payment is a type of health insurance in which your health insurance covers part of the costs of the diagnosis and/or treatment, and you as a customer pay the rest. This is usually a symbolic contribution regarding the real value of the consultations, tests and/or treatments received.
With Allianz health insurance, the co-payment option is only available for selected medical benefits within the Authorised Medical Directory insurance plan, which provides access to a network of affiliated clinics and healthcare centres.
Navigating the complexities of health insurance can be challenging, which is why Allianz provides experienced advisors to assist you in understanding your needs and selecting the plan that best aligns with your specific requirements.