Health Insurance in Spain

Health insurance in Spain customised for every client

We adapt to your needs and those of your family. More than 45,000 professionals at your service working to look after all of you. Get 30% off and up to 3 months for free! Plus 5% just for Expats!

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Health insurance services in Spain that meet every need

We are offering you an insurance scheme that meets every need, and which grants access to one of the broadest and most prestigious medical teams.

With co-payment

Sporadic use

Inicia

Private medicine at the best price, with direct access to specialities and diagnostic tests.

Standard copayment
Without hospitalisation

Go to Inicia

Sporadic use

Médica

With the essential cover for everyday life, reduced co-payment and the first 10 copayments free of charge.

Low copayment
Without hospitalization

Go to Médica

Sporadic use

Activa

The cheapest way to have private health insurance without giving up anything.

Standard copayment
With hospitalisation

Go to Activa

Featured
Normal use

Integral

Everything to take care of you and your family. And what's more, your first 10 copayments are free of charge.

10 first co-payments free
With co-payment

Go to Integral

Without co-payment

Valid for NIE/VISA
Frequent use

Adapta + dental + Repatriation

The health insurance for families who don't want extra expenses and also with dental insurance included.

Dental coverage
With hospitalization

Go to Adapta for Residency permit

Free choice

Prestigio

Maximum cover and reimbursement of expenses when you choose a specialist outside the Medical Team.

With reimbursement
With hospitalization

Go to Prestigio

Caser Expat Insurance, your confidence is our greatest motivation

We are a company backed by 80 years of experience in the insurance sector.
Because today we look after and protect what matters most to more than 2 million people.
And because every day, more than 5,000 professionals are close to you giving you a fast, efficient and quality service to make your life easier.

Why choose Health Insurance with Caser Expat Insurance?

Personalized assistance in English operating 24 hours a day

Reduce your waiting time by streamlining how you manage your medical needs.

The best professionals in all medical specialities with the most advanced diagnostic procedures. Directly access specialist consultations and diagnostic tests.

Telephone and online medical and paediatric support 24 hours a day and support while you’re overseas. Thanks to the free Centro Médico Caser.

We reimburse you for expenses related to your health

With Activa, Integral and Prestigio:

We reimburse you 50% of your expenses for pharmacies and childhood vaccinations, up to a total of €100 per insured person per year.

We reimburse you 50% of what you spend at your optician's, up to a maximum of €100 per insured person per year.

Online medical insurance to make your day-to-day life easier

All Caser health insurance options include differential digital services:

Caser Salud App. Consult the Medical Directory, request authorisations for diagnostic tests and identify yourself in the centres with the "Digital Card".

Selfie Health: take a simple selfie with your mobile phone camera to obtain more than 10 important indicators for your health: heart rate, irregular heartbeat, stress index, facial skin age, etc.

My Emotional Well-being platform: improve the care of your mind and emotions with the practice of Mindfulness and Emotional Intelligence.

Reimbursement and qualifying periods

Our most prestigious no copay health insurance is your best option.

The waiting periods in a health insurance policy refer to the time that must elapse from the date you sign up for your policy until you can make use of certain coverage.

It should be said that most of the cover included in the insurance policy does not have this condition and you can make use of them from the first day: consultations, X-rays, clinical analyses, specialities, 24-hour medical assistance, hospital emergencies...

Others do have waiting periods, such as, for example, surgical interventions and admissions, oncological treatments, high-tech diagnostic tests or coverage related to pregnancy, such as hospitalisation for childbirth, assisted reproduction or postpartum care.

Consult the General and Particular Conditions of your policy to find out the waiting periods of your health insurance.

There are different types of health insurance and we can distinguish between them based on these three concepts: co-payment, hospitalisation and reimbursement.

Insurance with or without co-payment

Insurance with co-payment: every time you make use of certain coverage or have a medical consultation with a specialist, you will have to assume part of the cost of that service. In general, this amount to be paid is usually not very high, as you share it with the insurer. In exchange, the presence of co-payments will make the fixed annual price of your insurance cheaper. This is ideal if you rarely visit the doctor, but still want all the advantages of private medicine at a more affordable price. What are our health insurance policies with co-payment? Inicia, Activa, Médica and Integral.
Insurance with no co-payment: you only pay the fixed annual premium for your insurance, no matter how many times you go to the doctor or how much you use the cover. This option is perfect if you prefer to pay a little more for your insurance in exchange for knowing that it will be the insurer who assumes 100% of the cost of the services beforehand.

Health insurance with or without hospitalisation

Insurance with hospitalisation: it includes medical, surgical, maternity, paediatric admissions... The insurer assumes the costs of such admissions, such as operating theatre expenses, anaesthesia, medication... And in addition, whenever possible, the admission is carried out in a single room with a bed for the companion.
Insurance without hospitalisation: cheaper option than the previous one, but with coverage focused only on direct access to consultations, treatments and diagnostic tests. Our health insurance policies without hospitalisation are Inicia and Médica.

Health insurance with or without reimbursement

Medical insurance with reimbursement: when you go to a professional who is not on the Company's Medical team, the insurance reimburses you up to 90% of the cost of that specialist's service.
Health insurance without reimbursement: you assume the totality of the expenses in the event that you decide to go to a specialist outside the Medical List of the insurer. However, it should be noted that this is not common, as for example in the case of Caser Expat Insurance, you have more than 45,000 specialists to choose from included in the Medical List. The insurances without reimbursement are cheaper compared to those that do include reimbursement.

The best insurance for pregnancy is the one that accompanies you through every stage of maternity. At Caser Expat Insurance, we have a wide range of coverages to make you feel protected and comfortable at all times.

Coverage to prepare for pregnancy: diagnosis and treatment of infertility.
Coverage for pregnancy monitoring: non-invasive prenatal screening test, personalised birth preparation programme and hospitalisation for childbirth.
For after childbirth: postpartum care and pelvic floor rehabilitation.

In addition, in all our modalities you have the speciality of gynaecology, for more exhaustive and continuous monitoring of the pregnancy.

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