We believe we can answer this question with strong confidence. Who are we, you ask? We are insurance experts with more than 40 years of experience in field teamed up with local relocation professionals. And in the last years we have worked with plenty of expats coming to Spain which in the end have helped us to crystallize an unique Private Health Insurance Solution that many will find to be significantly better than offering of our competition.
Are you looking for top quality medical care in Spain? Our Private Health Insurance Solution is perfect if you are going to live in Spain for a year or more and gives you the highest standard health insurance for affordable price starting from the first day.
Choose the best health insurance plan for Expats in Spain
Finding the best health insurance policy can be challenging, what with there being a wide range of insurers and products to choose from. As an independent health insurance broker, we're not biased towards one provider’s policy over another.
An insurance agent would only be able to advise you on their own products and not the entire market, which is one of the advantages of using a specialist broker. At Insbrok, we work with all the insurers within the industry, so you’ll get unbiased and independent advice every time.
We are available all year round to offer support with any potential issues you may come across. With a devoted team of experienced professionals, there is no need to worry about being transferred from department to department. You can always contact us directly through our support email.
The volume of business that we place gives us access to competitive prices and industry leading policies that we can offer with waived waiting periods for Insbrok clients.
Insbrok is a local company with a national reach; we have helped people from all over the world find private medical insurance in Spain.
Can I switch health insurance providers?
You should have hassle-free health insurance. Our health insurance specialists will review your policy regularly to ensure that you still have the best possible cover, and if for any reason you are not happy with your current health insurance provider or policy, we will help you switch to another insurer.
A large amount of health insurance policies in the Spanish market are available with co-payments, also referred to as copays. Co-payments mean that each time that you as a patient access a medical service, you will have to pay a certain amount for it. It is important to mention here that, despite how big or small this amount is, health plans with co-payments will be rejected by Spanish authorities when applying for a Spanish residency or visa.
At Insbrok we only offer top tier health plans that will qualify for Spanish visa and residency applications. Your health plan from Insbrok will not have a copay and there will be no deductibles.
Private health insurance plans are intended to cover clinical or health complaints which develop when the policy is already in place, as opposed to those conditions the patient already has. But if you have a pre-existing condition, there are still options for private health cover and in many cases, the insurer will accept your application.
Most health insurance plans do not cover pre-existing medical conditions, defined as any illness for which you have had symptoms or received any consultations, medication, surgery, or any other treatment in the past. Finding an insurer that will provide you cover depends on your health condition.
What is classed as a pre-existing condition?
Some of the conditions which fall into these categories include cancer, high blood pressure, asthma, heart disease, stroke and diabetes. Additionally, it could include conditions for which the individual has received medical treatment for previously, or an ordinary illness that occurs often, like back pain for example.
Nonetheless you can get private health insurance regardless of whether you have pre-existing condition but depending on the condition or its seriousness, insurers may not compensate for its treatment or for any connected ailment.
If you suffer from a pre-existing medical condition and need affordable private health insurance, it will be more challenging to find a high quality health plan provider.
While the private health plan is intended to cover you in Spain, the health insurance policies that we offer will also insure you for travelling as long as the duration of travel does not exceed 90 days.
The cheapest international health insurance would cost you approximately four times the price of Spanish health cover.
