Your private
health insurance

For Mallorca, Canary Islands, and mainland Spain

Secure private health insurance with Iberia

In Spain, Canary Islands or on the Balaeric Islands, you are usually covered automatically by the Spanish public health insurance. However, this often does not meet the usual standard from home. Many Spaniards and foreigners wanting more comprehensive medical care and free choice of doctor opt for private supplementary insurance – with worldwide coverage.

Since we represent not just ONE insurance company, with IBERIA INSURANCE BROKERS you enjoy a wide selection of insurers. We find the right solution for your needs.

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Why choose Iberia Insurance Brokers?

Customized rates and a wide selection

We work closely with different insurers to achieve the best special rates FOR YOU.

We are independent

We advise you free of charge and without obligation. We work with different insurers to ensure that you receive the best coverage.

Always there for you

Excellent German-speaking customer service, 24 hours a day, even on holidays.

Our health insurance performance

Contribution stability and affordable rates from 34 euros per month
Acceptance also for people up to 75 years
German specialists
100% direct billing without prepayment at contracted doctors
Worldwide free choice of doctor, including all German specialists with 80% reimbursement
Medications and aids
Psychotherapy
Annual dental cleaning
Homeopathy
Accommodation in a single room with accompanying person
Including worldwide travel insurance up to 12,000 euros
24-hour emergency hotline
and more services

More than just standard

At Iberia Insurance Brokers, customers receive the Iberia Service+. This means you get more service for which you do not have to pay extra or sign an extra contract. This includes:

Selection of insurance from over 10 different insurance companies
24-hour hotline - free - throughout Spain
Personal consultation at the customer's site
Cost-benefit analysis of old insurance policies with optimization suggestions
Advice in your language

The advantages of private health insurance in Spain

Many people in Spain opt additionally for private health insurance for more flexibility and comfort. Here are some advantages:

Fast access to specialists:

While the public system sometimes struggles with longer waiting times for specialists, with private health insurance you can usually get an appointment faster.

Free choice of doctor:

With private health insurance, you often have a larger selection of doctors and clinics, which is especially useful if you need specialized treatments.

More comfortable hospital stays:

Private health insurance often offers better accommodation options, such as private rooms and additional services during a hospital stay.

Important questions & answers

Frequently asked questions about private health insurance:

HOW does the Spanish health insurance differ?

In Spain, insurance offers vary significantly in coverage and price.

The Spanish private health insurer fundamentally assumes that every person already has basic coverage under the state-funded Seguridad Social and only needs additional coverage.

HOW do the systems differ?

Basically, every employee or person registered as self-employed is automatically insured under Seguridad Social. Private supplementary insurance is always just a complement to state protection. Two different systems of private health insurance are offered:

Options with a limited selection of doctors and clinics (these have direct agreements with the respective health insurers). Here, costs are directly billed to the insurer by the contracted doctors and clinics at 100%.
As above, but with the added benefit of worldwide free choice of doctors and clinics. With worldwide free choice of doctors, the patient initially pays the bill and receives 80% of the invoice amount reimbursed. This also covers treatments by German specialists of your choice.

WHAT do the systems include?

Full insurance coverage in Spain. Additionally, Spanish health insurance includes worldwide travel insurance, so that you are well protected during holidays in the event of acute illnesses or accidents (including repatriation and accompaniment of relatives, etc.). Before taking out private health insurance, you should definitely have comparison offers made and compare the insurance terms. Important selection criteria include, for example:

What are the waiting periods (waiting times)?
Are preventive examinations included?
Are there exclusions (especially: dialysis, AIDS, etc.) or pre-existing conditions?

Many insurers also have an age restriction upon admission or even a set annual maximum compensation. Iberia Insurance Brokers not only offers you access to the best medical care, but also optimal insurance coverage. Let us advise you professionally.

DO you need to be a resident in Spain to take out private health insurance?

No, you do not necessarily have to be a resident in Spain to take out private health insurance. Many insurance companies in Spain also offer private health insurance for non-residents, which means people who live in Spain or spend regular time there but do not have official resident status. This is especially convenient if you frequently travel to Spain or own a holiday home there and wish to secure coverage locally.

As a non-resident, you still have access to all the benefits of private health insurance in Spain, such as quick access to doctors, free choice of doctors, private hospital rooms, and many other advantages that make private health insurance so attractive.

IS a private health insurance comparison worth it?

Yes, it is definitely worth comparing private health insurance rates in Spain. Everyone has different health needs, and different insurers often offer a variety of rates with different benefits, prices, and conditions. By comparing, you can ensure that you find insurance that perfectly suits you without overpaying or missing out on important benefits.

IS DKV for foreigners in Spain?

DKV ensures that you have access to a comprehensive network of medical facilities and specialists, and offers excellent insurance cover that can be tailored to your personal needs. DKV will help you prepare documents in your native language. DKV offers a variety of options tailored to everyone from international students to retirees, with and without co-payments and from basic care to dental plans.

Free service:

We review and optimize your existing insurance.

We take a close look at your current insurance policies and offer you tailor-made comparison offers from leading insurers like Allianz, Generali, Zurich, DKV and many more.

Whether you have had insurance for a long time or just want to ensure you have the best coverage at the best price – we are here for you. Together, we check your existing policies and compare them with the latest offers we have created for you.

Personal consultation

Would you like a personal consultation? Let us advise you without obligation. Provide us with your email address or phone number and we will contact you as soon as possible.