What is the best private health insurance in Spain? Comparison of the best options for 2025
The current landscape of private health insurance in Spain
The situation of the health sector in our country has changed dramatically in recent years, driving interest in private health insurance. With an increase in demand for these services, it is essential to understand the current context of health insurance policies in Spain.
Healthcare situation in Spain and demand for private insurance
In 2025, public healthcare faces numerous challenges. Waiting lists for consultations and procedures in the public healthcare system have reached alarming levels. This has led to a significant increase in the purchase of private health insurance. Many people choose this type of insurance because of the promise of faster and more personalised care than that offered by the public system.
Impact of waiting lists on the choice of insurance
Long waiting lists are a critical factor in the decision to opt for private health insurance. In many communities, waiting times exceed 90 days for specialist consultations and operations. This situation has led more Spaniards to consider private insurance as a viable alternative. The possibility of accessing medical care in less time is one of the main attractions of these policies. Speed of care can be a determining factor, especially in urgent cases or for treatments that require continuous monitoring.
Advantages of having private health insurance today
Private health insurance offers a number of advantages that can be decisive for those considering this option. Among the main advantages are:
Quick access to specialists: Insured individuals tend to receive more responsive care, with fewer delays in consultations.
Comprehensive coverage: Most policies include a wide range of medical services, from primary care to complex surgical procedures.
Personalised care: With private insurance, patients often receive more personalised treatment tailored to their needs.
Remote care options: Many insurers, such as Sanitas, offer digital services that allow patients to have medical consultations without having to travel.
The current context and characteristics of the healthcare system in Spain highlight the importance of having healthcare options that respond to individual needs. Taking out private health insurance has become an increasingly attractive alternative for those seeking to optimise their health and well-being.
Key factors for choosing the best health insurance in 2025
Selecting the right health insurance is an important decision. Below are some crucial aspects to consider when looking for the policy that best suits your personal and family needs.
Essential coverage you should consider
It is essential that any health insurance offers comprehensive coverage that guarantees the necessary care. The following are the key areas that should be included:
Primary care and medical specialities
Primary care is the first point of contact for any healthcare needs. Having quick access to consultations with doctors from various specialities is essential.
Hospitalisation and surgery
Good insurance should cover hospitalisation, surgical procedures and necessary treatments, guaranteeing comprehensive and timely care.
Dental and mental health coverage
It is increasingly important for insurance policies to include dental care and mental health support services. This ensures a holistic approach to the insured person's well-being.
Payment methods: with or without co-payment
The payment method is another element to consider. There are different methods that can be adapted to different financial situations.
Differences between co-payment and no-co-payment policies
Co-payment policies require a small payment for each consultation or treatment, which may be inexpensive on a monthly basis but costly in the long term. On the other hand, no-co-payment policies offer greater peace of mind, knowing that there will be no additional costs for each service used.
How frequency of use influences your choice
The choice between co-payment and no co-payment may depend on how often you expect to use medical services. Analysing your personal health history can guide this decision.
Network of medical centres and hospitals
Access to a wide network of hospitals and medical centres is vital for receiving quality care.
Benefits of having your own centres
Having your own hospitals and clinics allows for more coordinated care and often reduces waiting times. This is an important advantage in times of emergency.
Geographical coverage and accessibility
The geographical location of the network of medical centres also influences the choice of insurance. Accessibility is essential so that the insured can quickly receive care when needed.
Waiting periods and exclusions in policies
It is crucial to read the policy conditions carefully, paying particular attention to waiting periods. This determines how long you have to wait to access certain coverages after taking out the insurance.
Benefits of having your own centres
Having your own hospitals and clinics allows for more coordinated care and often reduces waiting times. This is an important advantage in times of emergency.
Geographical coverage and accessibility
The geographical location of the network of medical centres also influences the choice of insurance. Accessibility is essential so that the insured can quickly receive care when needed.
Waiting periods and exclusions in policies
It is crucial to read the policy conditions carefully, paying particular attention to waiting periods. This determines how long you have to wait to access certain coverages after taking out the insurance.
Primary care and all specialities
Sanitas provides access to primary care and a wide range of specialities. Policyholders can consult experts in different areas of health, ensuring effective diagnosis and treatment.
Comprehensive health programmes and personalised care
Another of Sanitas' strengths is its comprehensive health programmes. These programmes range from annual check-ups to personalised follow-up, allowing each user to receive the specific care they require.
Mental health and psychological support
Mental health has become increasingly important in recent years. Sanitas has incorporated specialised services that provide psychological support, including therapy and consultations with psychiatrists, ensuring a comprehensive approach to the well-being of the insured.
Types and prices of Sanitas policies
Sanitas policies come in different types, allowing coverage to be tailored to the customer's preferences.
Options with and without co-payment
Sanitas offers policies with co-payment, where the insured pays a small amount for each consultation, and options without co-payment, where a higher monthly fee is paid but there are no additional costs per visit. This flexibility is beneficial for those seeking to balance their budget with their medical needs.
Sanitas value for money
In terms of value for money, Sanitas is well positioned in the market. Comprehensive coverage, qualified care and customer service contribute to an experience that many users consider fair and adequate.
Sanitas medical team and centres
A critical factor when choosing health insurance is the network of hospitals and medical centres to which you have access. Sanitas excels in this regard.
Network of hospitals and medical centres
Sanitas has an extensive network of hospitals and medical centres. This guarantees coordinated, quality care, facilitating access to the necessary services for policyholders.
Affiliated centres and healthcare coordination
In addition to its own network, Sanitas has agreements with other affiliated centres, allowing policyholders to benefit from a wider range of care in different locations. Coordination between these centres ensures continuity of patient care.
Digital services and 24/7 customer service
Sanitas has adapted to new technologies, offering digital services that facilitate access to medical care.
Sanitas customer reviews and experiences
User reviews of Sanitas are mostly positive. Customers highlight the efficiency of the care, the quality of the medical services and the friendliness of the staff. Customer service is perceived as a key element that reinforces trust in the company.
Comparison of health insurance in Spain in 2025 (excluding Sanitas)
In the current context of the health insurance sector in Spain, it is important to consider all the options available in order to make an informed decision that is appropriate to personal needs.
Coverage and services offered by the leading companies
Different insurers offer a variety of coverage and services tailored to market demands. The most common types of coverage include:
Primary and specialist care.
Hospitalisation and surgery.
Diagnostic services and clinical tests.
Dental and mental health coverage.
Each company has its own particular approach to including these types of coverage, so it is essential to compare the specific policies they offer.
Prices and options with and without co-payments
When evaluating the cost, it is essential to understand the payment options and how they affect the monthly insurance premium. Options with co-payments are usually cheaper, but involve an additional cost per visit. Options without co-payments, although higher in monthly fees, offer the advantage of no additional costs for each medical visit.
Differences between co-payment and no-co-payment policies
Co-payment policies allow insurers to maintain more competitive rates, while no-co-payment policies offer greater convenience and predictability in medical expenses. The choice between the two types depends on the expected use of medical services.
Quality of care and customer satisfaction
The quality of customer service is a key variable when comparing health insurance policies. User opinions and ratings regarding the effectiveness of care are important aspects. Companies with a high degree of satisfaction among their policyholders tend to offer better personalised and responsive service.
Comparison of medical teams and own centres
The available medical network and own centres are elements that make a difference when choosing insurance. Insurers with their own hospitals and clinics can guarantee greater control over service quality and faster, more effective care.
Benefits of having own centres
Having access to own medical centres can facilitate the coordination of treatments and continuity of medical care, which is essential for a satisfactory experience.
Things to consider before making a decision
When deciding on health insurance, it is crucial to evaluate various variables, such as:
The specific coverage required.
The associated costs and payment method.
The company's reputation for customer service and support.
This evaluation will help you choose an option that suits both your individual and family needs, ensuring the best possible care.
Medical services and coverage that make a difference
Choosing health insurance goes beyond the monthly premium. It is essential to consider the medical services and coverage that can really make a difference at critical times. This section addresses the most relevant aspects offered by Sanitas policies and their contribution to the well-being of the insured.
Diagnostic tests and second medical opinions
Diagnostic tests are key to the early detection of disease. Having insurance that offers access to a wide range of analyses and diagnostic tests allows for an accurate and rapid diagnosis. This includes:
Blood and urine tests.
Imaging tests such as X-rays, ultrasounds and MRIs.
Likewise, the possibility of requesting a second medical opinion is essential. This option ensures that the insured person can confirm diagnoses or proposed treatments, providing greater certainty in critical health decisions.
Surgical procedures and comprehensive hospitalisation
Surgical procedures can be a cause for concern. That is why it is essential to have cover that includes a high-quality hospital and comprehensive care. Sanitas insurance offers:
Access to modern, well-equipped operating theatres.
Private hospitalisation with comfortable rooms.
Specialised medical teams for each procedure.
This allows patients to feel more relaxed and secure at such a delicate time. Comprehensive hospitalisation cover ensures that all aspects of care, from pre-operative to recovery, are optimally attended to.
Primary care and medical specialities
Primary care is the gateway to health services. Health insurance should include easy and quick access to general practitioners who offer personalised and attentive care. This type of care is crucial for monitoring any ongoing conditions.
Likewise, having a wide range of medical specialities, such as cardiology, dermatology, and gynaecology, allows policyholders to address any needs that arise without having to travel to different centres.
Comprehensive dental coverage and oral health
Dental health is often overlooked. However, comprehensive dental coverage is key to preventing long-term problems. Sanitas offers plans that include:
Dental consultations.
Orthodontic, endodontic and dental surgery treatments.
Prevention through regular cleanings and check-ups.
This ensures that policyholders maintain good oral health without any surprises in the form of additional expenses.
Mental health care and emotional wellbeing
Mental health is an essential component of overall wellbeing. Professional care in this area, such as psychological therapy or psychiatry, is vital today. Sanitas provides:
Access to specialised psychologists and psychiatrists.
Psychological support programmes.
Comprehensive treatments for emotional wellbeing.
This demonstrates a commitment to a holistic approach to health that goes beyond the physical, also paying attention to the emotional and mental health of its policyholders.
Factors that influence the price and monthly premium
The cost of private health insurance varies considerably depending on several factors. Understanding what aspects impact the price can help you choose an option that fits both your medical needs and your budget.
Insured person's profile and specific needs
The insured person's profile is a determining factor in setting the insurance premium. Each person has particular medical needs that are reflected in the type of coverage they require. Among the aspects to consider are:
Age: Older people tend to have higher premiums due to a greater risk of illness.
Health status: If pre-existing conditions are present, the cost is likely to increase to include specific treatments.
Frequency of use of medical services: Those who require more constant care may see an impact on their monthly cost.
Coverage purchased and degrees of customisation
The most comprehensive policies, which include greater coverage and additional services, tend to be more expensive. Customisation options can also significantly influence the price:
Basic coverage: Generally more affordable, but may lack essential services.
Extended coverage: Includes specialised care, mental health and surgery options, among others, and is proportionally more expensive.
Optional additions: Some insurers allow specific services to be added for an additional cost, which can increase the monthly premium.
With and without co-payment: cost advantages
Payment methods are a key aspect to consider. Insurance can be offered with or without co-payment, which affects the monthly premium:
With co-payment: This type of policy generally has a lower monthly cost, but requires payment of a portion of each consultation or treatment.
Without co-payment: Although the monthly premium is higher, there are no additional costs when using medical services, which can be advantageous for those who need frequent care.
How to optimise value for money when choosing
To get the best return on your investment in health insurance, it is essential to carefully evaluate each option. We suggest considering the following:
Review other users' opinions: Understanding other customers' experiences can give you a better idea of the quality of service and customer care.
Use insurance comparison tools: Tools that allow you to compare policies, coverage and prices are ideal for finding the best fit.
Analyse frequency of use: Predicting how often you will use medical services can help you decide between plans with or without co-payments.
Frequently asked questions about private health insurance
This section addresses the most common questions about private health insurance. Understanding these aspects can make it easier to choose and ensure that you make the right decision when taking out a health insurance policy.
What coverage should family insurance include?
When selecting health insurance for your family, it is essential that it includes the main types of coverage that will meet the needs of each member. The following are essential:
Primary and specialised care: It is important to have easy access to general practitioners and various specialists.
Hospitalisation: The policy should ensure that, in the event of hospitalisation, efficient and rapid care is available.
Dental coverage: Including dental services can be key, especially for the health of children.
Mental health: The inclusion of psychological assistance is increasingly valued in family policies.
Is insurance without co-payment or with co-payment better for you?
The choice between insurance with co-payment and insurance without co-payment depends on your expectations and how you will use the policy. Insurance without co-payment usually has a higher monthly premium, but allows you to access medical services at no additional cost for each consultation. On the other hand, insurance with co-payment may be cheaper in terms of monthly premiums, but involves expenses for each visit, which may be relevant if you plan to use the service frequently.
How does the medical directory work and why is it important?
The medical directory is a list of professionals and centres where the insured person can receive medical care. It is crucial to be aware of this before taking out a policy, as it determines access to medical specialists and hospitals. Understanding this network ensures that you can choose insurance that has the best professionals and centres nearby, thus facilitating healthcare. Evaluating the quality and quantity of the medical network can make a big difference to the insured person's experience.
What are the usual waiting periods for insurance?
Waiting periods are the periods during which certain services cannot be used after taking out the policy. This can vary depending on the company and the type of cover. Generally, waiting periods range from 3 to 12 months, especially for services such as surgery, gynaecology or psychology. It is advisable to be informed about these waiting periods to avoid surprises when medical care is needed.
How to take out health insurance easily and securely?
To take out health insurance, it is advisable to follow a few steps. First, it is essential to research and compare different options available on the market, paying attention to coverage, prices and conditions. Once you have chosen the most suitable policy, you can usually take it out online, through the insurer's website, as is the case with Sanitas, or by contacting their customer service team directly. It is important to read the contract carefully before signing it to ensure that all the conditions and coverage are clear.
