Is this calculator free?

Yes — completely free, no account needed. Nothing you enter is saved.

Can I deduct private health insurance from my Spanish tax return?

Self-employed workers (autónomos) can deduct health insurance premiums as a business expense up to €500/year per insured person (€1,500 for disabled dependants) under Article 30 LIRPF. Employed workers cannot deduct individual health insurance premiums on their personal IRPF return, but employer-provided health insurance schemes are exempt from personal income tax up to €500/person/year.

What is the difference between cuadro médico and libre elección?

Most Spanish health policies operate on a "cuadro médico" (designated doctor network) model — you choose from an approved list of doctors and clinics included in your plan. "Libre elección" plans allow you to visit any licensed doctor and claim reimbursement, but at a higher premium. HMO-style cuadro médico plans are typically 30–40% cheaper than libre elección equivalents.

Spain Private Health Insurance Calculator 2025

SNS vs. private health insurance in Spain

Spain's Sistema Nacional de Salud (SNS) provides universal healthcare to all residents through regional health services (e.g., SAS in Andalucía, Servei de Salut in Balearics). SNS funding comes from general taxation rather than specific health contributions — unlike Germany, Poland or Romania where explicit health contributions are levied.

SNS care quality for emergencies and hospital care is generally high, but specialist waiting times are a consistent issue: waiting 3–12 months for dermatology, traumatology or ophthalmology through the public system is common. Private health insurance (seguro médico privado) bypasses this: most plans offer specialist appointments within 1–3 working days.

Private health insurance for autónomos (self-employed)

Spain's autónomos (self-employed workers) are among the largest purchasers of private health insurance. Self-employed individuals in Spain can deduct health insurance premiums as a business expense up to €500/year per insured person (€1,500 for disabled dependants) under IRPF rules. This makes private health cover particularly tax-efficient for autónomos and sole traders.

Key private health insurance providers in Spain

Sanitas: Spain's largest private health insurer (BUPA group). Operates its own hospital network (Hospitales Sanitas) and offers both HMO-style (own network) and open-network plans. Strong penetration with expat communities and corporate clients.
SegurCaixa Adeslas: Joint venture between CaixaBank and Adeslas. Spain's second-largest health insurer with the largest own clinic network (IMED Hospitales). Very competitive for open-network plans.
Asisa: Owned by a cooperative of Spanish doctors. Offers extensive specialist coverage with wide geographic reach. Popular for families and pensioner plans.
DKV Seguros: Part of Munich Re's ERGO group. Known for digital health tools and telemedicine integration. Strong in preventive care and wellness add-ons.

Frequently asked questions

Is this calculator free?: Yes — completely free, no account needed. Nothing you enter is saved.
Can I deduct private health insurance from my Spanish tax return?: Self-employed workers (autónomos) can deduct health insurance premiums as a business expense up to €500/year per insured person (€1,500 for disabled dependants) under Article 30 LIRPF. Employed workers cannot deduct individual health insurance premiums on their personal IRPF return, but employer-provided health insurance schemes are exempt from personal income tax up to €500/person/year.
What is the difference between cuadro médico and libre elección?: Most Spanish health policies operate on a "cuadro médico" (designated doctor network) model — you choose from an approved list of doctors and clinics included in your plan. "Libre elección" plans allow you to visit any licensed doctor and claim reimbursement, but at a higher premium. HMO-style cuadro médico plans are typically 30–40% cheaper than libre elección equivalents.