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How does medical insurance work? Do I have to pay for services?

In Spain, you can find two different healthcare systems: public and private. Public healthcare is financed by taxes, that's why if you want to use it, you must be a legal resident and contribute to the Spanish government. On the other hand, you can also use private healthcare by paying a monthly amount. With private healthcare, you’ll benefit from medical assistance whenever you need it.

It's possible to use public and private healthcare simultaneously, but in general, the public healthcare system has longer waiting lists for medical specialities, which you can avoid with private healthcare.


In Caser Expat Insurance, you might choose between policies that require co-payment and those without co-payment to allow the price to be tailored better depending on each person’s use.

The products that offer co-payment involve your co-participation for using a service, and for the products without co-payment, you only pay the cost of the premium. Not sure what co-payment means? Get more info here.

If you take out health insurance without co-payment and need consultations, diagnostic tests or intervention at any of our medical centres, Caser Expat Insurance will assume the cost, since these expenses are part of your policy. That is the main advantage of taking out private health insurance. You will have access to a professional and specialised medical team​​ but won’t pay any extra cost for individual health services.

However, if you prefer to pay less in your health premium, you could choose health insurance with co-pay by assuming a small part of the costs of the services. This type of insurance allows you to get affordable insurance in which you just pay for those services that you really use.

Would you like to know more about: how does medical insurance work? Check out our article: Public vs. Private healthcare in Spain