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Healthcare, education, housing, and daily life in Spain for foreign residents.

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Healthcare in Spain: Public vs Private Insurance

OptionCoverageAccessCostRequirementsMedication
Public Healthcare (SNS)Comprehensive care through Spain’s national health system (SNS)Residents contributing to Social Security, EU pensioners (S1 form), certain categories of residentsFunded by Social Security contributions where most services are free or have small co-paymentsHave a social security number and a health card (tarjeta sanitaria)Prescription drugs are subsidized 40–90% depending on income and pensioners often pay only 10% capped
Private Health InsuranceFast access to general practitioners and specialists, often with English-speaking staffMust be purchased, mandatory for most visa types (non-lucrative, student, entrepreneur, etc.) until covered by Social SecurityPremiums vary (€50–€200/month depending on age & coverage)Valid passport/NIE and Spanish bank account.Prescription drugs usually not included (some premium policies might offer discounts)Expats applying for visas, those wanting faster appointments or broader network choice

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