Insurances in Spain

Health insurance

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The need for private health insurance is very individual and because of this it can be combined in line with your wishes and economy. You can choose to take out insurance for doctors, specialists, hospital stays, or to combine all covers in one insurance. You can also choose an insurance that covers you in Spain or all over the world.

Kaas & Kirkemann
Private health insurance in Spain

Why British Expats in Spain Need Private Health Insurance – And Why You Should Choose Us

Moving to Spain from the UK is an exciting step – but navigating healthcare and residency requirements can be complex. One of the most important things you will need is private health insurance. Here is why it matters, and how we can help.

Is Private Health Insurance Required for UK Citizens in Spain?

Yes – private health insurance is mandatory for most British citizens applying for Spanish residency or a visa, especially after Brexit. Unless you:
– Are employed in Spain and pay into the social security system,
– Or are a UK pensioner with an S1 form,
…you must have a fully comprehensive private health insurance policy to qualify for residency

What Does the Insurance Need to Cover?

To meet Spanish immigration requirements, your policy must:
– Be valid in Spain
– Offer unlimited coverage (no caps)
– Include hospitalisation, surgery, and emergency care
– Have no co-payments or deductibles
– Be valid for at least one year
This applies whether you’re applying for a non-lucrative visa, residency permit (TIE), or retirement in Spain

Why Choose Private Health Insurance – Even If You Qualify for Public Care?

Even if you’re eligible for Spain’s public healthcare system, many expats still choose private insurance. Here’s why:
– Faster access to specialists and treatments
– English-speaking doctors and staff
– More flexibility in choosing hospitals and appointment times
– Peace of mind in a system you understand
– In fact, over 25% of Spanish residents also use private insurance for these reasons

Why Choose Us?

We specialize in helping expats and international residents find the right private health insurance in Spain. Here’s what sets us apart:
– We work with multiple top-rated insurers – so you get the best deal
– Tailored advice based on your visa type and residency status
– English-speaking support throughout the process
– Fast documentation to meet immigration deadlines
– Ongoing service – we’re here for you year after year
Whether you’re retiring, working remotely, or starting a new life in Spain, we’ll make sure your health is protected – and your paperwork is in order.

Ready to move to Spain with confidence?

Contact us today for a free consultation and quote. We’ll help you find the perfect private health insurance plan – so you can focus on enjoying your new life under the Spanish sun.

(+34) 952 47 83 83

E-mail

kaaskirk@kaaskirkemann.com
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Opening hours

Monday to Thursday: 10:00 – 14:00 & 15:00 – 17:00
Friday: 10:00 – 14:00

August and July
10:00 – 14:00

Address

Centro Idea. Ctra. de Mijas, km. 3,6. 29650 Mijas

We collaborate with

forsikringsselskaber
Legal number from the Spanish Authorities: CJ/0038.
Member of the Association of Insurance Intermediaries (Colegio de Mediadores de Seguros) in Málaga since 1999 and Aunna Asociación.