{"id":2218,"date":"2026-03-24T11:14:56","date_gmt":"2026-03-24T11:14:56","guid":{"rendered":"https:\/\/seguro.expert\/?p=2218"},"modified":"2026-03-25T21:19:15","modified_gmt":"2026-03-25T21:19:15","slug":"what-is-the-cost-of-medical-insurance-in-spain-how-much-is-it","status":"publish","type":"post","link":"https:\/\/seguro.expert\/en\/what-is-the-cost-of-medical-insurance-in-spain-how-much-is-it\/","title":{"rendered":"Health insurance in Spain: with Copago or Sin Copago? What to choose?"},"content":{"rendered":"<p>Are you choosing insurance in Spain and confused about the terms? Don&#039;t worry! Here I will explain the difference in simple terms and help you understand what will be more profitable for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udccc What is Copago?<\/h2>\n\n\n\n<p>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 \u00absymbolic\u00bb amount for the appointment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udccc What is Sin Copago?<\/h2>\n\n\n\n<p>This is an \u00abAll-Inclusive\u00bb tariff. You pay a fixed amount per month (it\u2019s higher), but you go to the doctors at least every day \u2014 you don\u2019t have to pay anything extra.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the packages with Copago?<\/h2>\n\n\n\n<p>1\ufe0f\u20e3 <strong>High Copago (Complet package)<\/strong> Here is the monthly price <strong>cheapest<\/strong>. This option is ideal if the policy simply \u201chas to be there\u201d and you hardly ever go to the doctors.<br>\ud83d\udcb0 <strong>Surcharge:<\/strong> High (approx. <strong>11\u201323\u20ac<\/strong> per visit\/service).<\/p>\n\n\n\n<p>2\ufe0f\u20e3 <strong>Average Copago (Plus package)<\/strong> 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.<br>\ud83d\udcb0 <strong>Surcharge:<\/strong> Average (from <strong>6.90\u201311\u20ac<\/strong> per visit\/service).<\/p>\n\n\n\n<p>3\ufe0f\u20e3 <strong>Low Copago (Classic package)<\/strong> This is the \u00abgolden mean.\u00bb You pay an adequate price for insurance, and the co-payment for the visit is almost imperceptible \u2014 like the price of a cup of coffee.<br>\ud83d\udcb0 <strong>Surcharge:<\/strong> Minimum (total <strong>2.30\u20133.50\u20ac<\/strong> per visit\/service).<\/p>\n\n\n\n<p>4\ufe0f\u20e3 <strong>Sin Copago \/ \u00c9lite (No surcharges)<\/strong> Maximum comfort. You just use the services and don&#039;t think about money. You pay a fixed amount per month and forget about any additional costs.<br>\u2705 <strong>Surcharge:<\/strong> 0\u20ac.<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>IMPORTANTLY:<\/strong> All tariffs with surcharges have <strong>annual limit<\/strong>. This is your protection: if you suddenly start getting sick often and spend a certain amount on co-payments (for example, <strong>600\u20ac per year<\/strong>), all subsequent visits and services until the end of the year become yours <strong>FREE<\/strong>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What should YOU choose?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Choose the COPAGO tariff if:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You get sick extremely rarely (once a year or less).<\/li>\n\n\n\n<li>You need insurance &quot;just in case.&quot;.<\/li>\n\n\n\n<li>You want to save as much as possible on monthly payments.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Choose a tariff WITHOUT COPAGO (or with a low one) if:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>You need insurance for documents (residence permit, visa)<\/strong> \u2014 this is the main requirement of the migration service!<\/li>\n\n\n\n<li>You have small children (this means constant visits to the pediatrician).<\/li>\n\n\n\n<li>You are planning a pregnancy.<\/li>\n\n\n\n<li>You want to pay once a month and forget about any additional bills.<\/li>\n<\/ul>\n\n\n\n<p><strong>Still hesitating?<\/strong> Leave your request here <a href=\"https:\/\/seguro.expert\/en\/correct-the-request-for-a-quote\/\" data-type=\"link\" data-id=\"https:\/\/seguro.expert\/vidpravyty-zapyt-na-prorahunok-strah\/\">\u201cSend request\u201d<\/a> <br>Write to me your age and family composition \u2014 I will calculate all 4 options and together we will choose what is most profitable for you and your wallet! \ud83d\udc8c<\/p>","protected":false},"excerpt":{"rendered":"<p>\u041e\u0431\u0438\u0440\u0430\u0454\u0442\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443 \u0432 \u0406\u0441\u043f\u0430\u043d\u0456\u0457 \u0456 \u043f\u043b\u0443\u0442\u0430\u0454\u0442\u0435\u0441\u044c \u0443 \u0442\u0435\u0440\u043c\u0456\u043d\u0430\u0445? \u041d\u0435 \u0445\u0432\u0438\u043b\u044e\u0439\u0442\u0435\u0441\u044f! \u0422\u0443\u0442 \u044f \u043f\u0440\u043e\u0441\u0442\u0438\u043c\u0438 \u0441\u043b\u043e\u0432\u0430\u043c\u0438 \u043f\u043e\u044f\u0441\u043d\u044e \u0440\u0456\u0437\u043d\u0438\u0446\u044e \u0456 \u0434\u043e\u043f\u043e\u043c\u043e\u0436\u0443 \u0437\u0440\u043e\u0437\u0443\u043c\u0456\u0442\u0438, \u0449\u043e \u0431\u0443\u0434\u0435 \u0432\u0438\u0433\u0456\u0434\u043d\u0456\u0448\u0435 \u0441\u0430\u043c\u0435 \u0434\u043b\u044f \u0432\u0430\u0441. \ud83d\udccc \u0429\u043e \u0442\u0430\u043a\u0435 Copago? \u0426\u0435 \u043d\u0435\u0432\u0435\u043b\u0438\u043a\u0430 \u0434\u043e\u043f\u043b\u0430\u0442\u0430 \u0437\u0430 \u043a\u043e\u0436\u0435\u043d \u0432\u0456\u0437\u0438\u0442 \u0434\u043e \u043b\u0456\u043a\u0430\u0440\u044f (\u043e\u043a\u0440\u0456\u043c \u0432\u0430\u0448\u043e\u0433\u043e \u0449\u043e\u043c\u0456\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0443). \u0423\u044f\u0432\u0456\u0442\u044c: \u0432\u0438 \u043f\u043b\u0430\u0442\u0438\u0442\u0435 \u0437\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443 \u043c\u0435\u043d\u0448\u0435 \u0449\u043e\u043c\u0456\u0441\u044f\u0446\u044f, \u0430\u043b\u0435 \u043a\u043e\u043b\u0438 \u0439\u0434\u0435\u0442\u0435 \u0434\u043e \u043b\u0456\u043a\u0430\u0440\u044f \u2014 \u0434\u043e\u043f\u043b\u0430\u0447\u0443\u0454\u0442\u0435 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2219,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,1],"tags":[],"class_list":["post-2218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medychne-strahuvannya","category-czikave-pro-strahuvannya-v-ispaniyi"],"acf":[],"_links":{"self":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2218","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/comments?post=2218"}],"version-history":[{"count":3,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2218\/revisions"}],"predecessor-version":[{"id":2227,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2218\/revisions\/2227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media\/2219"}],"wp:attachment":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media?parent=2218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/categories?post=2218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/tags?post=2218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}