Spain Explained

Healthcare for retired expats in Spain: Who’s entitled?

One of the main concerns for anyone coming to live in another country must be ‘how will I obtain the healthcare I need?’. This is particularly the case where you are perhaps a little older in years and know that more, rather than less, healthcare is on the horizon. Learn more on the healthcare for retired expats in Spain in the following post.

Healthcare for retired expats in Spain

The situation has been precarious for those moving to Spain as their country of choice. State healthcare in Spain is generally considered to be good. It deserves this reputation and most people who have had direct experience of it speak highly of the care they have received.

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However, it comes at a cost. Like many countries, Spain has become concerned that the Spanish health service is being taken for granted. Amid fears of ‘health tourism’ it was announced in August 2012 that foreigners in Spain without residency or work permits would no longer receive free Spanish healthcare. This would  exclude children and pregnant women and emergency services would still be free.

At the same time residency became more difficult to obtain. Not only did you need the necessary passport and NIE documentation but to prove that you would have some form of healthcare when you arrived in Spain.

Regional governments protested and organisations such as ‘Yo Si Sanidad Universal’ have grown to advise those no longer eligible. It’s claimed that the new, more restrictive approach, is saving money and clarifies the situation for everyone. But what could you do if you weren’t eligible?

Healthcare in Spain: The state insurance scheme

To compensate a little for the crackdown it was announced that there would be a state-run insurance scheme (convenio especial) that would be available to everyone, at a price.

This national scheme would require a monthly subscription in order to guarantee access to the healthcare in Spain. It would not, however, cover the cost of medicine or health transport services.

The scheme is managed by each autonomous region and accepts people with pre-existing conditions. The basic monthly fee is 60€ for those under 65 and 157€ for those aged 65 and over. Of course, most people aged over 65 will be in receipt of a state pension and so entitled to state healthcare anyway.

El País reports that only 300 people have taken out the insurance so far. This was particularly surprising as something similar had already been operating in the Valencian region with a good degree of success.

Perhaps its lack of success could partly be attributed to the fact that many expats discovered that they were already eligible for state healthcare in Spain, without knowing it.

Resident before 2012

Although the requirements for healthcare were tightening up for some, they were relaxing for others.

Those early retirees resident in Spain before 2012 discovered that they   could access Spanish national healthcare for free provided:

  • they didn’t have an income of more than €100,000 annually
  • they could produce a letter to indicate they weren’t eligible for healthcare elsewhere

There must have been mixed feelings for those who were already paying into private health insurance or the Valencian health insurance scheme.

Resident after 2012

So, what healthcare can you access if you are considering moving to Spain and will not be eligible through employment?

Pensioners

If you are receiving a state pension or are on long term sickness benefit, then you are entitled to healthcare and should obtain an S1 form (previously E121) from the international Pension Centre on 0044 191 218 7777. Once it has been issued you should register the S1 form with your local INSS office.

Early retirees

There are two alternatives:

  • Option 1 – you can take out private health insurance.
  • Option 2 – the convenio especial – state-run insurance scheme

For those people with a pre-existing condition, the convenio especial may be the only option in the future.  The residual S1 (formerly residual E 106) previously provided temporary healthcare for early retirees. From July 2014, its issue has been withdrawn by the UK government.

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And finally

It is a little ironic that the very measures that were taken to restrict healthcare access in Spain actually opened the door for many expats who had thought themselves ineligible. An outcome that those devising this policy had probably not foreseen.

REMEMBER

If you were registered as a resident in Spain prior to 24th April  2012 and have an annual income less than €100,000 then you should speak to your local INSS office to register for healthcare in Spain as a resident.

More information on the Healthcare for retired expats in Spain

INSS http://www.seg-social.es/Internet_6/index.htm

El Pais in English: http://elpais.com/elpais/2014/04/28/inenglish/1398692445_765520.html?rel=rosEP

Gov.uk – Healthcare in Spain

https://www.gov.uk/healthcare-in-spain

NHS choices – Update – residual S1 forms for early retirees:

http://www.nhs.uk/NHSEngland/Healthcareabroad/movingabroad/Pages/residual-S1-forms-for-early-retirees.aspx

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14 comments

Chris Clarke

4 October, 2018 12:06 pm

I am 65 and have submitted my
I am 65 and have submitted my S1 for healthcare, my wife is 59 years old is she covered on my S1

Suzanne O'Connell

10 October, 2018 11:45 am

Hi Chris

Hi Chris

Yes, she will be covered as a dependent

bernard frankland

4 February, 2019 4:42 pm

HI AT THE MOMENT I LIKE IN
HI AT THE MOMENT I LIKE IN FRANCE BUT A FRIEND IS ASKING ME TO LIVE WITH HIM IN SPAIN I HAVE AN S1 WHICH IS VALID FOR FRANCE , IM IN THE FRENCH HEALTH SYSTEM AS A UK PENSIONER , WILL I BE ABLE TO TRANSFER MY S1 TO SPAIN IF I DECIDE TO GO .

THANKS FOR ANY INFORMATION

Suzanne O'Connell

6 February, 2019 2:00 pm

Hi Bernard

Hi Bernard

Yes you can transfer the S1 form but you must apply for the Spanish residency card first.

Patrick

10 February, 2019 10:33 am

Hi, I have a complex
Hi, I have a complex situation and details:- My wife is a Spanish National, over 65 who lived & worked in the UK for 30+ years, receives a UK State Pension and has made contributions to the Spanish HealthCare (NHS equivalent) for only 6 months. I am English, retired, aged 70 & receive a UK State Pension & a Contributary Private Pension. Can my wife receive FREE Spanish Healthcare??

Suzanne O'Connell

18 February, 2019 1:35 pm

Hi Patrick

Hi Patrick

Yes, she can receive free Spanish health care as long as she obtains her residency card and gets everything registered properly at the social security office. 

Michael b

26 May, 2019 10:13 am

My wife and I are early
My wife and I are early retirees ( under state pension age) living in Spain. I have a local authority pension on which I pay tax in the UK ( no choice given) I was medically discharged from my job and was on disability allowance in the UK. When I contacted DWP they stopped my disability allowance saying it was my choice to live abroad. ( we initially moved to France). Am I correct in thinking the only way I can get health cover is under the convention especial after living in Spain for 12 months.
I have attempted to register with a local doctor but they will not entertain us without a social security number and we can’t get one of them.

Suzanne O'Connell

1 June, 2019 4:11 pm

Hi Michael

Hi Michael

Since you are not on a state pension yet, it looks as though you will have to take private insurance to apply for the residency cards. Then after a year, you will be able to get on the public system paying a monthly fee. 

Alan

10 June, 2019 8:08 am

Hi me and the wife are moving
Hi me and the wife are moving to Spain in September I’ve retired early my wife will have a work contract so she will automatically get Spanish health care will I also get Spanish health care with my wife working ?

Suzanne O'Connell

20 June, 2019 8:57 am

Hi Alan

Hi Alan

Yes, your wife will automatically get Spanish health care but you will need a Spanish residency card to obtain yours. 

gary walker

11 July, 2019 1:19 pm

hello, my wife and myself
hello, my wife and myself have recently bought a property in Pedralba Valencia and have been living here for approx 3 weeks, I am 61 years old and have retired early although i may go back to work in the future, my wife does not work, i dont have any pensions and my wife has a very small monthly pension. i have a rental property in the UK which along with my wifes pension gives us approx £400 per month. what healthcare options are available to us, do we need to take out private healthcare or does the S1 cover us, or can we join the Spanish healthcare system for a monthly fee.

Suzanne O'Connell

17 July, 2019 6:10 am

Hi Gary

Hi Gary

The first thing you need to do is to obtain Spanish residency. Then, whether you can join the Spanish health care system, would require a deeper study of your situation. 

Graham Rice

6 July, 2020 1:24 pm

Hi
I have residencia in Spain, I am over 65 and I have registered my S1 with the relevant office who have sent me a letter stating that I have a right to state healthcare. What now? Is there anything else to do? I have heard references to a plastic credit card type of card, do I need to register with a doctor? Do they operate an appointment system? Can you help me?

Oscar Paoli

7 July, 2020 8:22 am

Hi Graham,
Our recommendation is to speak with our relocation adviser collaborator David Ruiz. He will go through everything with you, timing, financial means, healthcare, etc. If you wish to contact him directly please send him an email at david@torreviejatranslation.com
With kind regards,
Ábaco Advisers