If you moved to Spain from Ukraine, Poland, or another country, sooner or later the question will arise: Do you need private health insurance? The answer is almost always yes. Here's why, how much it costs, and how to apply.
Я Olesya Brych, official agent DKV in Spain, specializing in insurance for Ukrainian and Polish-speaking clients. I have already helped hundreds of families find the right insurance at a good price.
Is insurance required for foreigners in Spain?
| Your situation | Do I need insurance? |
|---|---|
| Apply for a residence permit / TIE | ✅ Так — обов’язкова умова |
| Student visa type D | ✅ Так — обов’язково для отримання візи |
| Family reunion | ✅ Так — для кожного члена сім’ї |
| Digital Nomad Visa | ✅ Так — обов’язкова вимога |
| There is access to public healthcare (SNS) | ⚠️ Не обов’язково, але рекомендовано — черги 3–6 міс |
| Tourist (up to 90 days) | ⚠️ Рекомендовано — достатньо туристичного полісу |
💡 Не знаєте, чи потрібна страховка у вашому випадку? Напишіть мені — уточню безкоштовно за кілька хвилин.
What does health insurance cover in Spain?
Here's what's included in the DKV standard plan:
| Service | Enabled? |
|---|---|
| General practitioner and specialists | ✅ Так — без черг |
| Analyses and diagnostics (ultrasound, MRI, CT) | ✅ Так |
| Emergency assistance 24/7 throughout Spain | ✅ Так |
| Hospitalization and surgeries | ✅ Так |
| Online consultations (video call) | ✅ Так — через додаток DKV Salud |
| Psychological support | ✅ У планах Integral та частині стандартних |
| Pregnancy and childbirth | ⏳ Так, з carencia 8–10 місяців |
| Dentistry | ⚠️ Окремий поліс від €12/міс |
| Glasses and contact lenses | ❌ Не включено в більшість планів |
How much does health insurance cost for foreigners 2026
The price depends on age and the selected plan. DKV indicative prices:
| Age | Base | Standard | DKV Integral | Children (0–17) |
|---|---|---|---|---|
| 18–35 years old | from €35/month | from €55/month | from €90/month | from €20/month |
| 36–45 years old | from €45/month | from €65/month | from €110/month | from €28/month |
| 46–55 years old | from €55/month | from €80/month | from €130/month | from €35/month |
| 56–65 years old | from €70/month | from €100/month | from €160/month | from €40/month |
💡 Порада: Family of 2 adults (e.g. 30 and 33 years old) + child = approximately €75–145/month depending on the plan. There are family discounts up to 10%.
Why DKV is the best choice for foreigners
- Over 40,000 doctors and clinics throughout Spain - mainland and islands
- The policy is accepted. for residence permit/TIE, student visa and digital nomad visa
- DKV Salud app: make an appointment with a doctor, video consultation, view test results
- Registration in 24–48 hours — receive the policy by email
- Ukrainian language support through our agent
- The entire process is online — no unnecessary trips
How to apply for health insurance: step-by-step instructions
- Step 1: Write to me on WhatsApp or Telegram - indicate age, number of people and type of residence/visa
- Step 2: I calculate a personal cost and send options - free of charge and without obligation
- Step 3: You choose a plan and sign the contract online (electronic signature)
- Step 4: You will receive the policy by email within 24 hours — ready to use and submit documents
💬 Хочете дізнатися точну ціну для вашого випадку?Напишіть у WhatsApp або Telegram — відповідаю протягом 2 годин
Frequently asked questions
Is DKV insurance suitable for applying for a residence permit?
Yes. DKV fully complies with the requirements of the Spanish immigration authorities: coverage from €60,000, valid throughout Spain, without restrictions on the duration of stay.
Is it possible to take out insurance while outside Spain?
Yes. The entire process is done remotely via WhatsApp and email. The policy is valid from the date of activation.
What is carencia and can it be avoided?
Carencia is a waiting period before insurance begins to cover certain services (childbirth - 8-10 months, elective surgeries - 6 months). When switching from another insurance company, the carencia is usually canceled.
Is it possible to insure the whole family?
Yes. We issue a family plan with all family members. There is a discount of up to 10% per family.
What is the difference between copago and sin copago?
Copay — a small surcharge of €3–12 for each application. Sin copago — no surcharges when using. For residence permits, some consulates require sin copago.
Can I change the plan if my needs change?
Yes. You can change the plan upon annual renewal of the contract. You can also add dental coating at any time.
How much does insurance cost for pregnant women?
Pregnancy is covered by a standard health insurance policy, but with a gap of 8–10 months. If you are already pregnant, you must take out insurance at least 8 months before giving birth.