Health insurance for Self-employed

All self-employed people who wish to have access to private health insurance for themselves and that of their families or employees.

Digital nomads who are looking to relocate to Spain will normally be required to buy private health insurance as part of the Visa application process. 

We have different types of insurance available to suit the needs of our clients.

The two main types are:

Option 1

Medical directory. This is the basic option, provided by Spain's leading private healthcare providers, whereby the client has access to an approved panel of doctors, specialists, diagnostic procedures and hospitals. The client simply hands over his membership card, and the health provider invoices the Insurer directly.

Coverage on this basis is generally restricted to Spain, although our proposals include emergency coverage abroad. This makes it ideal for those on a tight budget who do not travel very often.

Option 2

Reimbursement. ou are left with a completely free choice (subject to the territorial limits of your policy) as to the health care provider you wish to use. You simply receive the treatment, (in certain cases subject to prior approval from the Insurer), pay the healthcare provider, and submit the invoice to your Insurer to reimbursement.

Spanish providers will often provide this in conjunction with the approved panel scheme, leaving the client to choose between both options. In most cases the amount reimbursed tends to be either 80% or 90% depending on where the treatment was received and the policy terms.

Degrees of cover and limits vary from insurer to insurer and from plan to plan, however most policies adhere to certain standards:

• Primary care and 24-hour emergency care.
• Medical specialties. 
• Hospitalisation and surgery. 
• Diagnostic methods. 
• Therapeutic methods. 
• Dental service. 
• Health care in the event of accidents at work and traffic accidents. 
• Complementary coverage: 
  • Assisted reproduction     
  • Health and preventive medicine programmes. 
  • Psychology. o Prosthesis.    
• Reimbursement of umbilical cord maintenance costs for the first six years. 
  • Reimbursement of medical expenses for the first six years. 
  • Reimbursement of medical expenses for the first six years.
• Reimbursement of medication costs. 
• Worldwide travel assistance in case of emergency, in trips of less than 180 days, with a limit of 20.000 euros per insured person per year. 
• Digital health services via app and telephone medical advice lines, second medical opinion in case of serious illness and telemedicine services with general practitioners and specialists. 

Medical Network policies have no limit. Reimbursement policies have limits ranging between 80% and 90% of the invoice in Spain and abroad. The overall annual limits range from the simplest policy with €60,000 gross per year to €650,000 per year.

Choosing a suitable health insurance in Spain can be a daunting experience and even more so if you do not speak the language.

Our extensive experience helping our clients arrange private health policies coupled with our relationship with most leading health insurance providers means we are well placed to help you identify the policy and level of cover most suited to your needs and budget.

You can leave us your contact details in the form so that we can call you back or you can call us or write to us directly and tell us your requirements.