Stop Guessing What Your Health Insurance Actually Covers
Confusing policies, upsells, and renewal notices that just say “your premium is going up” — sound familiar? Ask us for real health insurance quotes, from a broker that isn't trying to sell you its own plan.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Health Insurance
Health cover in Spain ranges from cheap outpatient-only plans to full private hospitalization with no waiting lists, and the right choice depends on whether you already have Seguridad Social, how often you see specialists, and whether speed and choice of doctor matter to you. Confialy fits if you want those trade-offs explained in plain language before you commit — not sold a single insurer's plan.
We compare, we don't sell our own plan — so there's no incentive to steer you wrong.
One form. Multiple real quotes. Not five phone calls to five call centers.
If a plan doesn't cover something important to you, we'll tell you before you buy, not after.
Who Is Health Insurance For?
You're renewing and suspect you could get more for the same price, or the same for less.
You're adding a partner, a child, or a parent and want one plan that fits everyone.
You've had a bad experience with an insurer that made claims feel like a fight — and you want a broker in your corner next time.
What Does Health Insurance Cover in Spain?
- Outpatient consultations & specialists. GP visits and specialist appointments, usually without a referral and with shorter waits than the public system.
- Hospitalization & surgery. Room, theatre and surgeon fees for planned and emergency procedures within the insurer's private network.
- Diagnostic tests. Blood work, imaging (X-ray, MRI, CT) and lab results, often available faster than through Seguridad Social.
- Emergency care. Same-day admission to a private A&E, plus ambulance transport when the situation is serious.
- Oncology treatment. Chemotherapy, radiotherapy and cancer specialists, typically without a lifetime cap on the larger insurers' plans.
- Second medical opinion. A free international second opinion on serious diagnoses — a standard add-on on most mid-to-premium plans.
- Mental health support. A set number of psychology or psychiatry sessions per year, now included on more plans than a few years ago.
- Maternity & paediatric care. Many plans cover maternity and children's specialists after a waiting period that varies by insurer.
- Dental & optical add-ons. Basic dental cleanings and eye tests are bundled into many plans; major dental work is usually a separate policy.
Worth checking before you buy
Waiting periods for pre-existing conditions, and whether your preferred hospital or doctor network is actually included — ask what's excluded, not just what's covered.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Health Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Health Insurance in Spain
How much does health insurance cost in Spain?
It depends heavily on age, location, and whether you want basic or full coverage — our comparison shows you real prices for your specific situation instead of a generic range.
Can I switch health insurance providers at any time?
Usually yes, though timing and waiting periods depend on your current and new policy — we'll walk you through it so you don't lose coverage in the gap.
Will a pre-existing condition affect my quote?
It can affect price or terms depending on the insurer — this is asked upfront so the quotes you see are accurate, not a bait-and-switch price.
Is private health insurance worth it if I already have Seguridad Social?
Many residents use both — private cover for speed and choice of doctor, public healthcare as the safety net. We can help you think through whether it's worth it for your situation.