Expatriate Insurance Spain

McKinley International Risk Management works with individuals and organizations that need to provide medical insurance in Spain for expatriate employees, for travelers to Barcelona and other cities in Spain, and local nationals of Spain and the European Union.

Please contact us for a free insurance and general international risk management consultation that will design a strategy that goes beyond global health insurance based on your exact international exposures throughout Spain and the EU (where people are traveling and for how long.) Did we mention this is a free service, something the international consultants will charge you over $7,000 to do.

Whether you are working full time in Spain and need global health insurance, or just traveling for two weeks to Madrid on vacation, anyone traveling or working abroad needs the right international medical insurance scheme, security program, and other insurance protection such as international life, disability, foreign workers compensation insurance, and medical evacuation. In addition to the proper expatriate health insurance for those living full time in Spain, here is a list of useful information for anyone working or traveling to this country:

Local National Insurance in Spain, Information for companies that employ Spanish local nationals

Legislation passed in 1994 is the basis for the current Spanish social security system, offering both cash and medical benefits. Coverage under the system is available to both employees and pensioners. Insured persons are required to make a contribution of a certain percentage of earnings based on varying wage classes.

Under the Spanish healthcare system medical services are available to patients directly, provided the doctors and hospitals concerned are affiliated with the National Institute of Social Security or are contracted by the regional autonomous health service.

Corporate private medical plans with large insurance companies are common in Spain, with employees often required to pay a small excess. Comprehensive private coverage for Spanish local nationals is less common and may be offered only to top management. Of course, coverage is good throughout the European Union.

Expatriate Insurance Spain Needs Chart (1 to 10 with 10 being a critical need) Looks at the need for expatriate insurance vs. what can be obtained in the local market or what many not even be needed for an expatriate assignment in Spain.