{"id":2228,"date":"2026-03-25T16:04:57","date_gmt":"2026-03-25T16:04:57","guid":{"rendered":"https:\/\/seguro.expert\/?p=2228"},"modified":"2026-04-06T08:39:57","modified_gmt":"2026-04-06T08:39:57","slug":"health-insurance-in-spain","status":"publish","type":"post","link":"https:\/\/seguro.expert\/en\/health-insurance-in-spain\/","title":{"rendered":"Health insurance for Ukrainians and foreigners in Spain: a complete guide 2026"},"content":{"rendered":"

If you moved to Spain from Ukraine, Poland, or another country, sooner or later the question will arise: Do you need a private one? health insurance<\/a>?<\/strong> The answer is almost always yes. Here's why, how much it costs, and how to apply.<\/p>\n\n\n\n

\u042f Olesya Brych<\/strong>, official agent DKV in Spain<\/strong>, specializing in health insurance in Spain. I have already helped hundreds of families find the right insurance at a good price.<\/p>\n\n\n\n

Is insurance required for foreigners in Spain?<\/h2>\n\n\n\n
Your situation<\/strong><\/th>Do I need insurance?<\/strong><\/th><\/tr><\/thead>
Apply for a residence permit <\/strong><\/td>\u2705 Yes - a prerequisite<\/td><\/tr>
Student visa type D<\/strong><\/td>\u2705 Yes - required to obtain a visa<\/td><\/tr>
Family reunion<\/strong><\/td>\u2705 Yes - for each family member<\/td><\/tr>
Digital Nomad Visa<\/strong><\/td>\u2705 Yes - mandatory requirement<\/td><\/tr>
There is access to public healthcare (SNS)<\/strong><\/td>\u26a0\ufe0f Not required, but recommended \u2014 queues 3\u20136 months<\/td><\/tr>
Tourist (up to 90 days)<\/strong><\/td>\u26a0\ufe0f Recommended - sufficient travel insurance<\/td><\/tr>
Temporary protection<\/strong><\/td>\u26a0\ufe0f Not required, but recommended \u2014 queues 3\u20136 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\ud83d\udca1 Not sure if you need insurance in your case? Write to me and I will help you figure it out. Consultation and miscalculations<\/a> \u2013 free.<\/p>\n\n\n\n

What does health insurance cover in Spain?<\/h2>\n\n\n\n

Here's what's included in the DKV standard plan:<\/p>\n\n\n\n

Service<\/strong><\/th>Enabled?<\/strong><\/th><\/tr><\/thead>
General practitioner and specialists<\/strong><\/td>\u2705 Yes. Without any restrictions, you choose the doctor you want to see.<\/td><\/tr>
Analyses and diagnostics (ultrasound, MRI, CT)<\/strong><\/td>\u2705 Yes<\/td><\/tr>
Emergency assistance 24\/7 throughout Spain<\/strong><\/td>\u2705 Yes<\/td><\/tr>
Hospitalization and surgeries<\/strong><\/td>\u2705 Yes<\/td><\/tr>
Online consultations (video call)<\/strong><\/td>\u2705 Yes - through the DKV Salud app<\/td><\/tr>
Psychological support<\/strong><\/td>\u2705 In Integral plans and some standard plans<\/td><\/tr>
Pregnancy and childbirth<\/strong><\/td>\u23f3 Yes, but there is a waiting period (carencia) of 8 months<\/td><\/tr>
Dentistry<\/a><\/strong><\/td>\u2705 Yes<\/td><\/tr>
Travel insurance <\/strong><\/td>\u2705 Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How much does health insurance cost for foreigners 2026<\/h2>\n\n\n\n

The price depends on age<\/strong>, place of residence in Spain and the chosen plan<\/strong>. DKV indicative prices:<\/p>\n\n\n\n

Age<\/strong><\/th>Basic policy
<\/strong>(Without surgeries and hospitalizations)<\/th>		DKV Integral<\/strong><\/strong><\/th>DKV Mundisalud<\/strong><\/th>DKV Selection<\/th><\/tr><\/thead>
0\u2013<\/strong>17 years old<\/strong><\/td><\/td>from \u20ac30\/month<\/td>from \u20ac70\/month<\/td>\u20ac39\/month<\/td><\/tr>
18\u201335 years old<\/strong><\/td><\/td>from \u20ac45\/month<\/td>from \u20ac95\/month<\/td>\u20ac39\/month<\/td><\/tr>
36\u201345 years old<\/strong><\/td><\/td>from \u20ac65\/month<\/td>from \u20ac110\/month<\/td>\u20ac39\/month<\/td><\/tr>
46\u201355 years old<\/strong><\/td><\/td>from \u20ac76\/month<\/td>from \u20ac135\/month<\/td>\u20ac68\/month<\/td><\/tr>
56\u201365 years old<\/strong><\/td><\/td>from \u20ac94\/month<\/td>from \u20ac170\/month<\/td>\u20ac68\/month<\/td><\/tr>
66-99 years old <\/strong><\/td><\/td><\/td><\/td>\u20ac135\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\ud83d\udca1 Tip: <\/strong>Family of 2 adults (e.g. 30 and 33 years old) + child = approximately \u20ac75\u2013145\/month<\/strong> depending on the plan. There are family discounts up to 15%.<\/p>\n\n\n\n

Why DKV is the best choice for foreigners<\/h2>\n\n\n\n