Health Insurance
Look after your health and your loved ones with fast access to doctors and specialists, without unnecessary waits. You choose, we guide you.
Medical care
without waits or surprises
Not all health insurance is the same. The key is comparing their network, what they really cover and how much they cost in practice.
For those who want fast care
Specialist appointments in days, not months. No public-health waiting lists when time matters.
For families
Paediatrics included and the whole family covered on better terms than individual policies.
For self-employed and businesses
Prompt medical care that reduces absenteeism. One of the benefits employees value most.
Choose how you want
to access your healthcare
With co-payment
The most popular option. A lower premium with a small amount per visit.
- GP and specialists
- Diagnostic tests
- 24h emergency care
- Hospitalisation and surgery
- Extensive network of centres
No co-payment
Fixed monthly fee, unlimited access. No surprises at each visit.
- Everything in the With co-payment plan
- No extra cost per visit
- Paediatrics included
- Optional basic dental
- Ideal for families who use it often
Reimbursement
Total freedom. Choose any doctor or clinic and we reimburse you.
- Free choice of doctor
- Any clinic or hospital
- National and international cover
- Reimbursement at an agreed percentage
- For very specific specialists
What people ask us about health insurance
We have a full guide on cover, waiting periods and policy types if you want to dig deeper.
Read the full guideWith co-payment you pay a small amount (€3–6) per visit, which lowers your monthly premium. Without co-payment you have unlimited access at no extra cost — the most practical option for families or people who use their insurance frequently.
For general consultations and emergencies, from day one. Some specialties and maternity have a waiting period that varies by company. We explain it all before you sign.
Yes. Family group policies are usually cheaper than taking out individual policies. They cover your spouse, children and other dependent relatives.
Yes, every plan includes hospitalisation and surgery. The difference lies in the choice of centre and whether there is a waiting list within the network.
Yes. You need to consider the new policy's waiting periods for ongoing treatments, and to give your current insurer at least one month's notice before expiry: how the deadline is counted. We review your specific situation before recommending a switch.
The price depends on age, the insurer and the cover chosen. For a 35-year-old adult, the typical range is between €50 and €120 per month depending on the type of policy. At Segurmar we compare across several insurers to get you the best cover at the best price.
With network-only cover you access doctors and hospitals within the insurer's network at no additional cost. With reimbursement cover you can see any doctor, pay upfront and the insurer refunds a percentage. Many policies combine both models.
Yes. Emergency cover is included in all private health insurance policies in Spain. You can attend the insurer's network emergency centres or, in a life-threatening situation, any hospital.
Shall we compare your current health insurance?
We'll find you the same cover or better for the same price or less. No obligation.