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What does the private health insurance cover?

Written by Reyes
Updated today

Our private health insurance offers comprehensive medical care in Spain through a wide network of doctors, hospitals and specialists, with no overall cost limit for treatments.

Core coverage

1. Medical care & specialists

  • Access to 40,000+ doctors and 1,000+ medical centers across Spain

  • Free choice of doctor within the network

  • Primary care (GP), pediatrics and all major medical specialties

2. Hospitalisation & surgery

  • Full hospital admission (including ICU)

  • Private room with bed for a companion

  • Surgeries, including inpatient and outpatient procedures

  • No limit on treatment costs

3. Diagnostics & treatments

  • Tests such as MRI, CT scans, lab tests and specialist diagnostics

  • Advanced treatments including implants, prostheses, and some transplants (e.g. bone marrow, cornea)

4. Emergency care

  • 24/7 emergency assistance across Spain

  • Ambulance transport when medically required

5. Maternity & family care

  • Pregnancy, childbirth, and postnatal care

  • Newborn covered for the first 30 days

  • Family planning services

6. Mental health & wellbeing

  • Psychotherapy sessions (up to 20–40 per year depending on case)

  • Psychological counselling support

7. Preventive care

  • Health check programs and prevention plans

  • Special programs in cardiology, gynecology and pediatrics

8. Additional services

  • Podiatry (up to 12 sessions/year)

  • Some dental treatments (check-ups, cleanings, extractions)

  • Second medical opinion (including international experts)

9. Accidents coverage

  • Medical care for work and traffic accidents

  • Accidental death benefit (€6,000)

Note: There is no annual financial limit as long as care is provided within the medical network.

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