Did you know that depending on your situation in Spain, there are certain insurances that are not only recommended but legally required? Many foreign citizens are unaware of which ones they need to live, work, or even enjoy an extended stay in the country. If you don’t have them, you could face fines, legal issues, or even the denial of a residence permit. In this guide, we explain in simple terms which health insurance in Spain for foreigners and other policies you should consider.
Mandatory insurance in Spain for foreigners
In Spain, certain types of insurance are essential to comply with the law:
Private health insurance without waiting periods: If you are moving to Spain and don’t have access to the public healthcare system, the law requires health insurance in Spain for foreigners that covers hospitalization and primary care. This is a common requirement for residence and stay visas. Many people ask, “How much is health insurance in Spain for foreigners?”—costs vary depending on coverage, age, and pre-existing conditions.
Car insurance: If you drive in Spain, you must have at least third-party liability coverage. This covers damage to others and is mandatory even for vehicles that are not used frequently.
Professional liability insurance: Certain regulated professions (such as lawyers or architects) require specific coverage to practice legally.
These mandatory insurances help you meet legal obligations and protect your rights as an are you a legally protected status Spain resident.
Recommended insurance for living in Spain
While not required by law, these policies can save you from unexpected expenses:
Home insurance: Protects your property, furniture, and appliances from fire, water damage, or theft. Useful even for renters.
Travel insurance: Ideal if you frequently enter and leave the country, covering medical emergencies and delays.
Life insurance: Provides financial security for your family in case of death or disability.
These insurances for living in Spain offer peace of mind and can make everyday life smoother.
How to choose the right insurance
Before buying, compare coverage, exclusions, and prices. Don’t focus solely on cost—cheap insurance that doesn’t cover what you need can be very expensive in the long run. Also, check that the provider is authorized to operate in Spain and consider whether you qualify as a legally protected status person Spain for certain benefits.