Private Health Insurance for British Expats in Spain

Private health insurance for British expats in Spain is a policy you take out with a Spanish insurer to access private doctors, specialists and hospitals directly, rather than waiting through the public system. It usually covers general practitioner appointments, specialist consultations, diagnostic tests and scans, planned surgery and hospital stays, with English-speaking clinics available in many popular expat areas.

This page focuses on the private product itself: what it includes, how no-copayment and copayment plans differ, the tiers you can choose from and how to add or switch cover. If you want the wider picture of public versus private healthcare in Spain, or you have an S1 as a UK pensioner, we cover those routes separately — see our S1 form guide for UK pensioners and our general health insurance for expats page.

If your policy also needs to satisfy a visa or residency requirement, take a look at our Spanish visa health insurance for UK citizens and Non-Lucrative Visa health insurance for British citizens pages, as visa-suitable cover has extra conditions.

The biggest choice most British expats make is between a no-copayment plan and a copayment plan. With a no-copayment plan, you pay a single monthly premium and nothing further when you use covered services, which keeps your costs predictable no matter how often you visit the doctor.

With a copayment plan, you pay a small fixed amount each time you use a service — for example a set fee per consultation — in return for a lower monthly premium. If you rarely expect to use your cover, a copayment plan can work out cheaper; if you want certainty or expect regular appointments, a no-copayment plan is often the better fit. We help you compare both against how you actually use healthcare.

A private policy can be arranged for one person or for a whole household, with premiums based on each person’s age. Whether you are settling in for the long term, joining a partner already in Spain or bringing children with you, we can quote for everyone together and explain which plan tier normally suits your circumstances.

You do not need to work through the Spanish private health insurance market alone. Tell us where you live, your age, who needs cover and how you expect to use it, and we will help you request suitable private health insurance for British expats in Spain.