Options in Private Healthcare Providers

In the context of private health insurance in Spain, a copayment is a fixed amount that the insured must pay for each medical service or consultation received, in addition to the monthly payment of the insurance. Here are the estimated rates in table format for a healthy person with no pre-existing conditions, at the ages of 60, 70, and 80, for each of the three types of policies (high copay, low copay, and no copay).

We have also created this basic calculator, extracting data from Spanish health insurance companies with artifical intelligence. The estimated amount is with non-preexisting conditions.

Key Companies

These are the largest private health insurance companies in Spain, with some figures in number of customers.

Healthcare may be provided in the private sector in the following circumstances:

Patient Choice: Some patients might have decided to have also private providers at their own expenses. for certain treatments, with costs covered by the public health system.

Concerted Care Agreements: The Spanish National Health System (SNS) may establish agreements with private healthcare providers to deliver services that are not sufficiently available in the public sector. This is common in areas with high demand or where public facilities are lacking. In some cases, the public health system may refer patients to private facilities for specialized treatments or surgeries to reduce waiting times.

Emergencies: During emergencies or exceptional situations, such as natural disasters or pandemics, private hospitals may be utilized to supplement public healthcare services.

Companies Agreements: Some corporations may choose to provide compulsory social security healthcare services to their employees through private companies. It is no unusual that big corporations assist in their own facilities with general practitioners, and use private companies for specialists, hospitalization, and others.