Top 5 Health Insurance Plans for UK Expats in Spain

If you're a UK expat living in Spain, health insurance is no longer optional - it’s a legal requirement for visas like the Non-Lucrative Visa or Digital Nomad Visa. This guide covers the top 5 health insurance plans tailored for expats, helping you meet visa requirements while accessing quality healthcare.

Here’s a quick breakdown of the plans:

• DKV Visa & Residency Insurance: Affordable, visa-compliant, and includes essential healthcare services.
• DKV Full Cover Insurance: Comprehensive plan with no co-payments, ideal for families or those with ongoing medical needs.
• DKV Co-Payment Insurance: Budget-friendly option with lower premiums but small fees per visit.
• DKV Reimbursement Insurance: Flexible coverage allowing you to choose any doctor and get reimbursed.
• DKV Repatriation Insurance: Focused on funeral and repatriation services for end-of-life arrangements.

Quick Comparison

Plan Name	Cost (Monthly)	Key Features	Best For
Visa & Residency Insurance	$96–$649	Visa-compliant, basic healthcare coverage	New expats needing visa approval
Full Cover Insurance	$96–$649	100% coverage, no co-payments, dental	Families or those with high needs
Co-Payment Insurance	$38.94–$77.90	Lower premiums, small fees per visit	Budget-conscious individuals
Reimbursement Insurance	Starts at $137.16	Freedom to choose doctors, 80–100% reimb.	Expats needing flexibility
Repatriation Insurance	Included in plans	Funeral, repatriation, and family support	Older expats with UK ties

Each plan offers unique benefits depending on your needs, budget, and visa requirements. Whether you prioritize affordability, comprehensive care, or flexibility, this guide will help you make an informed choice.

Healthcare Cover for UK Citizens in Spain - Latest Update

1. DKV Visa & Residency Insurance

DKV's Visa & Residency Insurance offers comprehensive medical coverage designed to meet visa requirements for UK expats living in Spain.

Coverage Scope

This plan provides unlimited healthcare coverage across Spain, encompassing a wide range of medical services. It includes primary care such as general practice, pediatrics, nursing services, and 24/7 emergency medical care. Additionally, it covers specialized care in fields like cardiology, dermatology, ophthalmology, traumatology, gynecology, neurology, and oncology. Diagnostic services are also included, ranging from clinical analyses and X-rays to advanced imaging like MRIs, CT scans, and mammograms.

Policyholders benefit from full hospitalization and surgery coverage, along with dental care at affiliated centers, psychology sessions for issues like eating disorders or work-related stress, and services like podiatry, physiotherapy, and rehabilitation. For those traveling abroad, the plan offers worldwide emergency assistance for up to 180 days.

Visa Compliance

DKV's insurance is tailored to meet the health insurance requirements for several Spanish visa categories, including the Digital Nomad Expat Visa, Golden Visa, Non-Lucrative Visa, and Entrepreneur Visa. It provides coverage equivalent to Spain's public healthcare system with no co-payments, ensuring compliance with visa regulations. Coverage starts immediately upon activation, and the policy includes official health insurance certificates required for visa and residency applications.

"DKV's expat insurance meets the health insurance requirements for various Spanish visas including the Spain Digital Nomad Expat Visa, Golden Visa, Non-Lucrative Visa, and Entrepreneur Visa, making it an ideal choice for expats needing to fulfill legal obligations."

Cost Structure

Monthly premiums typically range from $96 to $649 (€89 to €600), depending on factors like age and pre-existing conditions. For instance, a single male born in 1990 could expect to pay around $86 per month (€79.39) for a no-copay plan. In line with Spanish consulate regulations, the policy requires prepayment.

DKV also offers financial incentives, such as a 7% discount for annual payments and a 35% discount for six-year commitments starting in 2025. These pricing options, combined with the plan’s extensive benefits, make it a compelling choice for expats.

Specialized Features

The plan connects policyholders to a network of over 51,000 professionals across 1,000 centers, including 8 of Spain’s top hospitals. It also provides 24/7 English-speaking customer support, reimbursement for pharmacy expenses, and coverage for auxiliary medical equipment like wheelchairs.

Target Demographic

This insurance is ideal for digital nomads, retirees, investors, and entrepreneurs relocating to Spain. It addresses both visa compliance and healthcare needs, offering fast access to medical specialists and a wide range of support services tailored for expats.

2. DKV Full Cover Insurance

The DKV Full Cover Insurance plan takes the basic visa-compliant coverage and raises the bar, offering an extensive range of medical benefits tailored for UK expats living in Spain. With 100% coverage and no additional costs, this plan ensures peace of mind for those seeking top-tier healthcare.

Coverage Scope

This plan covers an impressive array of medical services without restrictions. It includes primary care such as general practice, pediatrics, nursing, and round-the-clock emergency services. Specialist care spans cardiology, dermatology, ophthalmology, traumatology, gynecology, neurology, oncology, psychiatry, and more. Diagnostic services like blood tests, X-rays, ultrasounds, MRIs, CT scans, mammograms, and endoscopies are fully included. Surgical procedures and hospitalization are also covered in full.

In addition to general medical care, the plan extends to dental services, offering over 50 free treatments along with discounts for additional procedures. Mental health support includes 20 psychology sessions per year, with up to 40 sessions available for individuals under 24 dealing with specific conditions. Physical therapy options - like podiatry, physiotherapy, and rehabilitation - come with no session limits. For travelers, there’s worldwide emergency assistance of up to $32,400 (around €30,000) for trips lasting up to 180 days. Coverage also includes occupational and traffic accident care.

This extensive medical coverage is further supported by advanced digital tools and specialist services.

Specialized Features

One standout feature of this plan is direct access to specialists - no referral from a general practitioner is required. With a network of over 51,000 medical professionals across 1,000 affiliated centers, expert care is always within reach.

The plan also includes a suite of digital health services, such as:

• 24/7 video consultations
• Real-time medical chat with specialists
• Dedicated helplines for general medicine, pediatrics, pregnancy, women's health, nutrition, psychoemotional support, and sports health

Additional perks include up to 20 nutritionist sessions annually for obesity treatment, periodic biomechanical gait analysis for adults every five years (and every two years for children under 15), and remote access to second medical opinions from top specialists.

"The Integral Elite / Collectivo are our most popular Expat Health Insurance plans, providing you with 100% cover in Spain and access to all the facilities and specialists within the DKV network."– DKV Health Insurance

Visa Compliance

DKV Full Cover Insurance meets all the health insurance requirements for Spanish visas, including the Digital Nomad Expat Visa, Golden Visa, Non-Lucrative Visa, and Entrepreneur Visa. The plan provides official Health Insurance Certificates for visa and residency applications, and the entire process - from application to policy issuance - can be handled online, making it hassle-free.

Cost Structure

Monthly premiums for the Full Cover plan are influenced by factors like age and pre-existing conditions, typically ranging from $96 to $649 (approximately €89 to €600). With no co-payments, all covered services are free at the point of care. Payments are made upfront, aligning with Spanish consulate requirements.

Target Demographic

This plan is ideal for expats who value unrestricted access to premium healthcare. It’s especially beneficial for:

• Families needing comprehensive medical services
• Individuals managing chronic conditions requiring frequent specialist care
• Professionals who prioritize immediate access to top-quality medical facilities

Whether you’re looking for peace of mind for your family or require reliable care for ongoing health needs, the DKV Full Cover plan is designed to deliver top-tier medical support without compromise.

3. DKV Co-Payment Insurance

The DKV Co-Payment Insurance plan offers a practical mix of affordability and coverage, making it a smart choice for UK expats in Spain. It operates on a cost-sharing model, where lower monthly premiums are balanced by small co-payments for services. This setup allows for quality care without breaking the bank.

Coverage Scope

This plan provides a wide range of healthcare services, including primary care visits, such as general practitioners, pediatric care, and emergency services. It also covers specialist consultations in areas like cardiology, dermatology, and gynecology, as well as diagnostic tests, including blood work, X-rays, and MRI scans.

The coverage doesn’t stop there - it also includes dental services and mental health care, ensuring well-rounded protection. Most benefits kick in immediately upon enrollment, so there’s no waiting period to worry about. Additional services like physical therapy, hospitalization, and surgeries are also covered under the co-payment structure, making this plan both flexible and comprehensive.

Cost Structure

The co-payment system provides flexibility in managing healthcare expenses. Plans with higher co-payments come with lower monthly premiums, while those with lower co-payments have higher premiums. This allows you to tailor the plan to fit your healthcare usage and budget.

For example, a single male born in 1990 might pay $77.90 (€72.17) per month for a low co-payment plan, while a high co-payment plan could cost just $38.94 (€36.08) monthly. Co-payments typically apply to services like doctor's visits, lab tests, and physical therapy.

Consider Laura, a 30-year-old on a high co-payment plan: she pays $37.80 (€35) per month and $27 (€25) for each doctor visit. Meanwhile, Mr. Johnson, a 65-year-old with chronic conditions, opts for a low co-payment plan, paying $5.40 (€5) per appointment. This flexibility ensures the plan can adapt to various healthcare needs and budgets.

Specialized Features

Subscribers to DKV Co-Payment Insurance gain access to a vast network of over 40,000 healthcare professionals across Spain. The plan also includes 24/7 English-speaking support, which is a huge help for UK expats navigating Spain’s healthcare system.

The co-payment structure can be customized to suit individual or family needs. For instance, families with young children who require frequent pediatric visits might choose a moderate co-payment plan, paying about $10.80 (€10) per visit, while keeping monthly premiums around $86.40 (€80) for family coverage. This flexibility makes it easier to strike a balance between monthly costs and out-of-pocket expenses.

Visa Compliance

Like other DKV plans, the Co-Payment Insurance fully complies with Spanish visa requirements. It provides the necessary Health Insurance Certificates for visa and residency applications, and the entire process can be completed online, streamlining the experience for expats.

Target Demographic

This plan is perfect for budget-conscious expats who still want reliable access to healthcare. It’s especially well-suited for:

• Young professionals who need occasional healthcare but want coverage for major medical costs.
• Expats with predictable healthcare needs who can plan for regular co-payments.
• Those seeking a middle ground between basic coverage and high-end premium plans.

The DKV Co-Payment Insurance is particularly advantageous for individuals and families who can estimate their healthcare usage and prefer lower monthly premiums with manageable out-of-pocket costs for services as needed.

4. DKV Reimbursement Insurance

DKV Reimbursement Insurance, also called DKV Residentes, is tailored for UK expats living in Spain who want more freedom in their healthcare choices. This plan uses a straightforward "pay-first, reimburse-later" model, allowing you to visit any doctor or medical facility in Spain - regardless of whether they’re part of the DKV network. After paying for services, you’ll submit your expenses for reimbursement. This approach stands apart from fixed-network plans, offering greater flexibility.

Coverage Highlights

DKV Residentes covers a wide range of healthcare needs, including primary care, specialist visits, diagnostic tests, hospital stays, surgeries, and preventive care. The plan includes diagnostic imaging like X-rays, MRIs, and CT scans, as well as an annual medical check-up that features physical exams, lab tests, and screenings for cardiology, hearing, and vision.

For mental health, the plan provides 20 therapy sessions annually, with an extended 40 sessions for individuals under 24 dealing with issues like eating disorders, bullying, or domestic violence. Physical therapy and rehabilitation are unlimited, while dental care is reimbursed at 80% for non-affiliated centers (up to $3,240/€3,000 annually) and fully covered at affiliated locations.

Additional benefits include:

• Emergency travel assistance: Up to $32,400 (€30,000) for trips lasting up to 180 days.
• Pharmacy reimbursements: Up to $1,080 (€1,000) annually.
• Medical equipment coverage: Reimbursement for items like wheelchairs and CPAP machines, up to $1,944 (€1,800).

Pricing and Reimbursement

DKV Residentes starts at $137.16 (€127) per month, offering a predictable and efficient reimbursement process. For in-network providers, the plan reimburses 100% of costs, while out-of-network services are reimbursed at up to 80%. Claims are typically processed within seven days via the DKV app.

Policyholders can enjoy long-term savings, including discounts of 30% starting in 2025, which gradually decrease to 5% by the sixth year. Families also benefit from group discounts: 7% for four members and 12% for five or more. Additional discounts apply based on payment frequency: 7% for annual payments, 4.6% for half-yearly, and 2.8% for quarterly.

Unique Features

DKV Residentes stands out with access to advanced medical technology, including Da Vinci robotic surgery, 3D colonoscopy, and 3D/4D ultrasound.

For obesity management, the plan offers 20 sessions with a nutritionist annually. It also includes biomechanical gait analysis every five years for adults and every two years for children under 15 at Podoactiva centers. Preventive care programs focus on early detection of conditions like diabetes, cancers (e.g., prostate, colorectal, and skin), glaucoma, and coronary risks. Subscribers also gain exclusive wellness discounts through the DKV Club de Salud y Bienestar.

An optional add-on extends coverage to Germany for up to 100 days, with reimbursement for medical expenses incurred during that time.

Visa Compatibility

Like other DKV plans, DKV Residentes meets all health insurance requirements for Spanish visas. Whether you’re applying for a Digital Nomad Expat Visa, Golden Visa, Non-Lucrative Visa, or Entrepreneur Visa, this plan provides the necessary documentation for visa applications and renewals, simplifying the residency process.

Who Is It For?

DKV Residentes is designed for expats who want the freedom to choose their own doctors and healthcare providers. It’s especially useful for those living in areas with limited network options or who prefer to maintain relationships with specific medical professionals. This plan works best for individuals who can afford to pay upfront for services and wait for reimbursement. With a maximum enrollment age of 75 and a policy that cannot be canceled after three years, it’s a reliable long-term option for expats seeking comprehensive healthcare coverage.

5. DKV Repatriation Insurance

DKV Repatriation Insurance offers tailored funeral and repatriation services for UK expats living in Spain, ensuring respectful and well-organized end-of-life arrangements. This coverage simplifies the often-complicated logistics of funerals and repatriation in a foreign country.

Coverage Scope

This policy covers funeral services aligned with Spanish customs, helping families navigate unfamiliar procedures during a difficult time. For foreign residents, it includes body repatriation to the UK along with round-trip travel for a companion. Transfers within Spanish cemeteries are also covered. Additionally, the plan provides psychological support during palliative care and the grieving period, offering much-needed emotional assistance. For expats with connections to Germany, an optional add-on allows repatriation to the nearest German international airport, with coverage up to €6,000.

Visa Compliance

The repatriation insurance meets the documentation requirements for Spanish visas. It is issued by an insurer authorized in Spain and includes a certificate of insurance, full policy details, and official correspondence. These documents ensure UK expats can present proof of comprehensive coverage as required by Spanish authorities.

Cost Structure

This coverage is part of DKV's broader health insurance plans, with pricing determined by factors like age, health history, and coverage level. Discounts are available for family plans and based on payment frequency, with annual payments offering the most savings. The repatriation component specifically covers expenses like companion travel and international transportation, adding extra value to the policy.

Specialized Features

What makes DKV's repatriation insurance stand out is its thoughtful approach to funeral arrangements. It respects both Spanish customs and British traditions, ensuring a service that feels personal and appropriate. Beyond transportation, the inclusion of psychological support offers families professional counseling during both palliative care and the grieving process. The policy also covers companion travel costs, easing the financial strain on family members who need to travel for repatriation.

Target Demographic

DKV Repatriation Insurance is ideal for UK expats who want their final wishes respected, no matter where they live. It’s particularly beneficial for older individuals, those with pre-existing health conditions, or expats with families primarily based in the UK. The coverage also helps expats fulfill Spanish visa and residency requirements by demonstrating reliable and comprehensive insurance. Integrated into DKV’s broader health plans, this specialized coverage ensures peace of mind for expats facing the challenges of international funeral arrangements. This policy sets the stage for a detailed comparison of benefits in the next section.

Plan Comparison: Benefits and Drawbacks

DKV offers a range of plans designed to meet the diverse needs and budgets of UK expats living in Spain. Below, you'll find a detailed comparison of these plans, highlighting their benefits, drawbacks, and ideal users.

Plan	Monthly Cost*	Key Benefits	Main Drawbacks	Best For
Visa & Residency Insurance	Starting at $15.12	Policies approved for visa applications, 24/7 English support, dental coverage, and international travel assistance	Limited to basic coverage for visa and residency requirements	New expats and visa applicants
Full Cover Insurance (DKV Integral)	$38.94–$85.73	Covers surgery, hospitalization, dental care, and access to over 51,000 medical professionals	Higher premiums and a 6-month waiting period for non-urgent surgery	Families or individuals seeking extensive coverage
Co-Payment Insurance	$38.94–$77.88	Lower premiums with fixed fees per visit within DKV's network	Copay fees apply for each visit; choice of providers limited to DKV's network	Healthy expats or those with minimal healthcare needs
Reimbursement Insurance	Varies by plan	Choose any doctor worldwide with reimbursement rates of 80–90% in Spain and 90% abroad (100% with the premium Top Health plan)	Requires upfront payment, and reimbursements take time to process	Frequent travelers or those who want complete provider flexibility
Repatriation Insurance	Included in plans	Covers funeral services, body repatriation, psychological support, and companion travel assistance	Limited to end-of-life services and not medical coverage	Older expats or those with close ties to the UK

*Prices may vary based on individual circumstances.

Analysis of DKV Plans

Each plan offers distinct advantages tailored to specific needs, but they also come with certain limitations. Here’s a closer look:

• Reimbursement Insurance stands out for its flexibility, allowing you to select any doctor globally. Reimbursement rates range from 80–90% in Spain and 90% abroad, with premium options covering 100% of expenses. However, you'll need to pay upfront and wait for reimbursements to process, which could be a drawback for some.
• Co-Payment Insurance is budget-friendly, combining lower monthly premiums with a small fee for each visit. This plan is ideal for those who don't need frequent medical care but limits you to DKV's network of providers.
• Full Cover Insurance (DKV Integral) provides extensive coverage, including surgery, hospitalization, and dental care, through a vast network of over 51,000 professionals. While it’s comprehensive, higher premiums and a 6-month waiting period for non-urgent procedures might be a concern for those needing immediate care.

Additional Considerations

• Waiting periods apply to certain services, such as 6–12 months for non-emergency treatments. This is crucial to keep in mind if you require immediate access to specific types of care.
• International coverage is generally capped at $21,600 for travel assistance during stays of up to 180 days. If you frequently travel or split your time between countries, this limitation might affect your decision.

Customer feedback often highlights concerns about pre-existing condition coverage and wait times, so it’s essential to review policy details carefully. Costs ultimately depend on individual factors, so exploring quotes for your specific needs is a good starting point.

Conclusion

Choosing the right health insurance as a UK expat in Spain depends on both your budget and specific healthcare needs. DKV offers five distinct plans that not only comply with Spanish legal requirements but also cater to a variety of personal preferences and circumstances.

These plans provide a range of benefits, from essential visa-compliant coverage to more extensive care options with flexible reimbursements. For instance, the Visa & Residency Insurance is an affordable choice, starting at around $15.12 per month, and meets visa requirements. If you're generally healthy, the Co-Payment Insurance offers a smart balance of lower premiums with manageable service fees. Retirees or families might lean toward the Full Cover Insurance (DKV Integral), which provides access to an extensive network of over 51,000 medical professionals. For those who need coverage both in Spain and abroad, the Reimbursement Insurance offers competitive reimbursements for medical expenses. Additionally, expats with strong ties to the UK or those in advanced age may find peace of mind with repatriation coverage for comprehensive end-of-life care.

DKV’s plans are designed to suit every stage of expat life in Spain. With 24/7 English-speaking support and digital healthcare tools like the Activa DKV App, navigating Spain’s healthcare system becomes much easier. Whether you're a young professional seeking basic coverage or a retiree in need of more comprehensive care, DKV provides options to support your lifestyle in Spain.

FAQs

What should UK expats consider when selecting a DKV health insurance plan for living in Spain?

When selecting a DKV health insurance plan, UK expats should begin by assessing their individual healthcare needs. Think about whether you’ll need coverage for pre-existing conditions, routine medical care, or extra services like dental and vision. It’s also worth checking if the plan allows flexibility in choosing healthcare providers and whether it covers treatments within Spain and internationally.

Another key factor is ensuring the plan meets Spanish visa and residency requirements. Health insurance is often a legal requirement for expats, and while DKV plans are designed to comply with these rules, it’s crucial to confirm that your chosen plan aligns with your specific residency status.

Lastly, take a close look at the premium costs and how they fit into your budget. Aim for a balance between affordability and comprehensive coverage to ensure you’re securing the right healthcare solution for your needs while living abroad.

How do DKV health insurance plans help UK expats meet Spanish visa requirements?

DKV health insurance plans are tailored to meet the healthcare requirements for Spanish visas like the Non-Lucrative Visa and the Digital Nomad Visa. These plans offer extensive medical coverage without co-payments and even provide options to include pre-existing conditions, ensuring expats can access the healthcare services they need while living in Spain.

What’s more, DKV supplies the official health insurance certificates needed for visa applications. These certificates confirm that the policy aligns with Spanish legal standards, simplifying the process and helping expats fulfill all healthcare-related visa requirements with ease.

Do DKV health insurance plans for UK expats in Spain have any waiting periods or coverage limitations?

Yes, DKV health insurance plans come with certain waiting periods and coverage restrictions. For instance, non-urgent hospitalizations and surgeries generally have a 6-month waiting period, while transplants require a 12-month waiting period. On the bright side, most other services are accessible right from the start of your policy.

To get the most out of your coverage while living in Spain, it's a good idea to carefully review your plan's specifics. This way, you'll know exactly which services might have delays or limitations.