Tailor-made health insurance for you.

health insurance for foreigners

The most comprehensive cover on the Costa del Sol for when you need it most.

24-hour emergency medical hotlines in English.

Health insurance designed for foreigners in Spain

Health insurance to make plans work out well

Tailor-made health insurance for you.

health insurance for foreigners

The most comprehensive cover on the Costa del Sol for when you need it most.

24-hour emergency medical hotlines in English.

Health insurance designed for foreigners in Spain

Health insurance to make plans work out well

Meridional & Coseba, 100% independent to get the best health insurance for you in Spain.

Plan a good stay, plan health with the best insurances for your wellbeing.

expatriate insurance

health insurance for foreigners

We rely on very «medical» companies

From a national doctors’ cooperative to large international companies, all with one main goal: The patient is the centre.

The largest private health networks in Spain

We rely on the most reliable and advanced health insurers in Spain, with the largest networks of private hospitals and specialised clinics.

They like to speak English all day

 All selected companies have a dedicated English-speaking customer service team and a 24/7 medical emergency hotline also in English.

Find the right cover at the right price.

We offer you the best health insurance for foreigners with the best coverage.

Frequently Asked Questions Health Insurance

Who is this insurance for?

This insurance is for anyone who wishes to benefit from the advantages of Spanish healthcare, without the language barriers. This includes:

  • Full-time or part-time residents in Spain
  • Residents in other countries who visit Spain on a regular or occasional basis.
  • Those who want to enjoy the advantages of one of the best healthcare systems in the world, regardless of where they live.

What documents are required for private health insurance?

The documents you must provide are:

  • Passport details
  • A form of payment: a Spanish bank account or an international debit/credit card.

You will also be asked to:

  • Complete an online health questionnaire.
  • Indicate a correspondence address in Spain
  • The correspondence address does not need to be your home address, however, in order to receive home visits from a doctor or nurse in Spain, changes of address must be communicated in advance.

What is the difference between a policy with co-payment and without co-payment?

Co-payment policies

The co-payment option is more economical. In return, you will be asked to pay a small portion of some services

Before choosing this option, please note that:

The Spanish Consulate only accepts policies without co-payments for Visa/Residency Applications. If you are looking for a health insurance policy to apply for a Spanish visa or Spanish residency, make sure you select the no co-payment option.

Premiums for policies with co-payments can only be paid by Permanent Direct Debit through a Spanish bank account.

No co-payment

The no co-payment option has a higher annual premium. In return, you will never have to pay out-of-pocket for any services covered by your policy.

Can I communicate with companies in English?

Yes, all the companies we have selected have personal and medical care services in English.

Can I pay if I do not have a Spanish bank account?

No. Because of new capital prevention restrictions. Only accounts and credit cards are accepted

Do I need to be registered as a permanent resident in Spain?

You do not have to be a resident in Spain to have private health insurance.

Regardless of your resident status and place of residence, you can enjoy the same advantages and privileges as a permanent Spanish resident.

Taking care of the important things

At Meridional we know that people are interested in four things: a simple insurance contracting process, that it is affordable, with adequate coverage, with good customer service when problems arise and if possible at least in English.

Our approach is clear: make insurance easy, fast and hassle-free. We are here to look after our homeowners and provide insurance that responds.

insurance for foreigners

Specialized consulting

Our professionals are also foreigners who one day came to live in Malaga and know your problems from experience.

expatriate insurance

Fast service

We will always process an insurance or claim quickly, because we like to be attentive to any inconvenience or doubt you may have.

We speak your language

We don’t want language to be a barrier. We speak English and will do our best to communicate with you and help you.

Extraordinary Conditions

We have the experience and credibility of the leading companies in the market, which will provide the highest quality cover for you.

Home insurance expatries

Simple to hire

Please call us or write us leaving your details and we will attend you by phone, by mail, WhatsApp or in an appointment at our office in Miraflores.

Home insurance expatries

Payment facilities

All our insurances have payment facilities: for example monthly (health), quarterly, half-yearly or annually for the others.

We don’t say we care, our customers do.

You may also be interested in…

All our insurances for your peace of mind


Health Insurance

The insurance that covers your medical needs during your stay in Spain.

Travel & Holiday Insurance

The time of your holiday should be as pleasant as possible and you should only think about resting.


Home Insurance

Take care of your home against any unforeseen event with all the protection you need.


Building Insurance

Covers the risks that endanger the peace of mind of your community of neighbours.

Car insurance for foreigners

With Meridional and Coseba, discover a secure journey.

We protect your freedom of movement.

Free quote

Welcome to the Care

Ask for an appointment with our agents because we want to hear how we can help you. Remember we speak English

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