Health Care and Medical Insurance in Spain
Posted by Casi Cielo
Tagged: health care, health insurance, living, private, healthcare, medical insurance, free, bupa, sanitas, universal
Information on expat health insurance, public and private health care in Spain, as well as and international travel medical and health insurance.
There is free universal health care in Spain, in fact it’s mandated by the constitution to be provided by the government. According to the WHO, Spain’s healthcare is ranked 7th in the World, yet ranks 24th overall in cost per person (lower rank is better). For comparison purposes, know that the UK ranks 18th in healthcare effectiveness and 26th in costs per capita; the US healthcare system ranks 37th and 1st(!) respectively.
The cost effectiveness of Spain’s healthcare system, as compared in life expectancy versus spending, is 2nd behind Japan’s.
The problem is that to become an insured you have to have a social security number. To get one, you generally have to either work for a company or become self employed (in which case you’ll pay to be part of the system). That said, you can occasionally “beat the system” with luck and persuasion. An American friend of ours arrived to Spain when she was 76 years old, and managed to convince the people at the social security office to give her a number.
If your country of origin has universal health care, then you may be able to get your country to pay Spain to cover you. For the UK, this is the case for those over 60 and for some people who qualify for the invalidity benefit. You will need the appropriate form (E121 or E106).
In some cases, you may want to keep your universal health care provided by your home country if you intend to be back and forth between Spain and home. In this case it would be recommended to purchase additional health or travel insurance from a home-country insurance provider that supplements your universal health care for the duration of your stay in Spain. In Canada, for example, you will need to continue paying for your provincial health care and notify them of your extended absence from the country to ensure continued coverage. This is a requirement of getting private health or travel insurance anyway.
If you have a Certificado de Empadronamiento, you have the right to emergency care in any public hospital. Once any temporary health care from your country runs out, look into contracting Spanish health insurance. Also see Doctors in Spain for more about your empadronamiento, getting your health care card and finding a doctor.
cliff said:
I have just visited the Conselleria de Sanitat en Valencia and they indicated that the new voluntary quota system will soon be in place (it could be by the end of September but definitely before the end of this year 2009)
It will allow individuals, that are not covered by any of the other methods of contribution, to pay into and benefit from the Spanish National Health System.
The quota will be 270 euros every three months for people under 65 and 330 euros every three months for those 65 and over.
The cover will be National (not just in Valencia) but will not extend to the rest of Europe.