Are you choosing insurance in Spain and confused about the terms? Don't worry! Here I will explain the difference in simple terms and help you understand what will be more profitable for you.
📌 What is Copago?
This is a small co-payment for each doctor visit (in addition to your monthly payment). Imagine: you pay less for insurance each month, but when you go to the doctor, you pay a «symbolic» amount for the appointment.
📌 What is Sin Copago?
This is an «All-Inclusive» tariff. You pay a fixed amount per month (it’s higher), but you go to the doctors at least every day — you don’t have to pay anything extra.
What are the packages with Copago?
1️⃣ High Copago (Complet package) Here is the monthly price cheapest. This option is ideal if the policy simply “has to be there” and you hardly ever go to the doctors.
💰 Surcharge: High (approx. 11–23€ per visit/service).
2️⃣ Average Copago (Plus package) The monthly price is a little higher, but the co-pays for visits are lower. This is a good balance for those who see doctors infrequently.
💰 Surcharge: Average (from 6.90–11€ per visit/service).
3️⃣ Low Copago (Classic package) This is the «golden mean.» You pay an adequate price for insurance, and the co-payment for the visit is almost imperceptible — like the price of a cup of coffee.
💰 Surcharge: Minimum (total 2.30–3.50€ per visit/service).
4️⃣ Sin Copago / Élite (No surcharges) Maximum comfort. You just use the services and don't think about money. You pay a fixed amount per month and forget about any additional costs.
✅ Surcharge: 0€.
💡 IMPORTANTLY: All tariffs with surcharges have annual limit. This is your protection: if you suddenly start getting sick often and spend a certain amount on co-payments (for example, 600€ per year), all subsequent visits and services until the end of the year become yours FREE!
What should YOU choose?
✅ Choose the COPAGO tariff if:
- You get sick extremely rarely (once a year or less).
- You need insurance "just in case.".
- You want to save as much as possible on monthly payments.
✅ Choose a tariff WITHOUT COPAGO (or with a low one) if:
- You need insurance for documents (residence permit, visa) — this is the main requirement of the migration service!
- You have small children (this means constant visits to the pediatrician).
- You are planning a pregnancy.
- You want to pay once a month and forget about any additional bills.
Still hesitating? Leave your request here “Send request”
Напишіть мені вік та склад сім’ї — я прорахую всі 4 варіанти і ми разом оберемо те, що вигідніше саме для вас та вашого гаманця! 💌