Healthcare in Costa Blanca for Expats: Complete 2026 Guide
Lifestyle12 min read

Healthcare in Costa Blanca for Expats: Complete 2026 Guide

New Build Homes Costa Blanca1 February 2026
Quick Answer

Spain has excellent healthcare—ranked 7th globally. EU citizens with S1 forms access free public healthcare. Non-EU citizens need private insurance (€50-250/month depending on age). Hospital de Torrevieja serves Costa Blanca South with English-speaking staff. Private GP consultation: €30-50. Most expats report satisfaction with healthcare quality.

Healthcare is often the make-or-break question for people considering international relocation. The good news: Spain has one of the world's best healthcare systems, ranked 7th globally by WHO. The better news: Costa Blanca has developed excellent infrastructure for international residents, including English-speaking doctors, modern hospitals, and multiple access options.

This guide explains exactly how healthcare works for expats in Costa Blanca: who qualifies for what, how much it costs, and practical steps to ensure you're covered from day one.

The Spanish Healthcare System Explained

Spain operates a universal healthcare system funded through taxation and social security contributions:

Public Healthcare (Sistema Nacional de Salud)
World-class quality—ranked above UK, USA, and many developed nations
Free at point of use for those who qualify
Covers everything from GP visits to major surgery
Wait times for non-urgent care can be longer than private
Most staff speak Spanish; English varies
Private Healthcare
Faster access to specialists and procedures
Choice of doctor and hospital
Often English-speaking
Costs vary: insurance or pay-as-you-go
Many expats use private for convenience, public for major issues

The reality for expats: Most international residents use a combination. Public healthcare handles serious/expensive conditions; private healthcare provides convenience for routine care and faster specialist access. The systems work well together.

Quality indicators:

Spain has more doctors per capita than UK or USA
Hospital standards are high, especially in newer facilities
Prescription medications are affordable
Specialist expertise is readily available
Medical tourism is common—people come TO Spain for care

Healthcare Access: Who Qualifies for What

Your healthcare access depends on your residency status and nationality:

EU/EEA Citizens Receiving State Pension (S1 holders)

If you receive a state pension from an EU country (including UK via Withdrawal Agreement):

Apply for S1 form from your home country
Register S1 with Spanish social security (INSS)
Receive Tarjeta Sanitaria (health card)
Access full public healthcare—free at point of use
This is the gold standard for retired expats

EU/EEA Citizens Working in Spain

Contributions through employment entitle you to public healthcare
Employer handles registration
Same access as Spanish workers
Self-employed must register and contribute

EU/EEA Citizens Not Working/No State Pension

Can apply for Convenio Especial (special agreement)
Monthly payment grants public healthcare access
Cost: €60/month (under 65) to €160/month (65+)
Good option for early retirees or those without S1

UK Citizens (Post-Brexit)

If resident before Dec 31, 2020: Protected under Withdrawal Agreement
S1 rights continue if receiving UK state pension
New residents: Must have private insurance initially
After 3 years legal residence: May access Convenio Especial

Non-EU Citizens

Must have private health insurance for residency visa
Insurance must meet visa requirements (no co-pays, repatriation cover)
After 5 years legal residence: May access Convenio Especial
Public healthcare available in emergencies regardless of status

Non-EU Citizens

Must have private health insurance for residency visa
Insurance must meet visa requirements (no co-pays, repatriation cover)
After 5 years legal residence: May access Convenio Especial
Public healthcare available in emergencies regardless of status

Private Health Insurance: Options and Costs

Private insurance is essential for some, beneficial for many:

When you NEED private insurance:

Non-EU citizens applying for non-lucrative visa
New residents without S1 or work-based access
Anyone wanting guaranteed English-speaking care

Major Spanish insurers:

Sanitas: Largest, widest network, €70-250/month
Adeslas: Extensive coverage, €60-200/month
Asisa: Good value, €50-180/month
DKV: Strong in Valencia region, €60-220/month
Mapfre Salud: Solid option, €55-190/month

Cost by age (approximate monthly):

Under 40: €50-80
40-50: €60-100
50-60: €80-150
60-70: €100-200
70-80: €180-300
Over 80: €250-450+ (limited options)

What policies typically include:

GP consultations (no limit)
Specialist consultations
Hospital admission and surgery
Diagnostic tests (blood, imaging)
Emergency treatment
Dental (basic—full dental often extra)
Physiotherapy
Mental health services

What to watch for:

Waiting periods for pre-existing conditions
Age limits for new policies (often 65-70)
Geographic coverage (ensure Costa Blanca included)
Repatriation cover (required for visas)
Co-pays on some policies (not allowed for visa applications)

For visa applications: Policy must have no co-pays and include repatriation. Not all policies qualify—confirm before purchasing.

Hospitals in Costa Blanca

The region is well-served by public and private hospitals:

Costa Blanca South:

Hospital Universitario de Torrevieja
Main public hospital for the southern coast
Modern facility (opened 2006)
Emergency department 24/7
Full range of specialties
Many English-speaking staff
8 km from Orihuela Costa
Excellent reputation among expats
Hospital General de Elche
Larger public hospital
20 km from San Fulgencio area
Good for specialist referrals
Less English spoken than Torrevieja

Quirónsalud Torrevieja (Private)

Private hospital with international department
English-speaking throughout
Faster access, more comfort
Direct billing with most insurers

Costa Blanca North:

Hospital Marina Baixa, Villajoyosa
Serves Benidorm and surrounding area
Good general hospital
Emergency services
Hospital de Denia
Serves northern Costa Blanca
Marina Salud managed
Good reputation

Hospital Vithas Medimar (Private, Alicante)

International department
English-speaking service
High-end facilities

Emergency note: In genuine emergencies, dial 112. All hospitals treat emergencies regardless of insurance status—paperwork comes later.

Finding English-Speaking Doctors

Language needn't be a barrier to good healthcare:

In the public system:

Many doctors speak English, especially in expat areas
Hospital de Torrevieja has English-speaking staff
Can request English-speaking doctor when booking
Translation services available for appointments
Not guaranteed—level varies by individual doctor

Private English-speaking practices: Numerous private clinics specifically serve the international community:

General practices (private):

Clinica Britannia (multiple locations)
The Doctors Clinic (Villamartin area)
Costa Blanca Medical Centre (various locations)
Sanitas Clinics (English available)

Consultation costs: €30-50 for GP visit

How to find English-speaking doctors:

Ask in expat Facebook groups (very active, helpful)
Check local English-language newspapers (Costa Blanca News, etc.)
Ask at real estate agencies—they know who their clients use
Word of mouth from existing residents
Insurance company directories

Specialists: English-speaking specialists available in most fields:

Cardiology, dermatology, ophthalmology, orthopedics, etc.
Private access is straightforward
Public system may need to check English availability
Many specialists work both public and private

Dental care:

Excellent quality at lower prices than UK/Northern Europe
Many dentists trained in UK or speak English
Private only—not covered by public healthcare
Checkup: €30-50; cleaning: €40-60; fillings: €50-80

Prescription Medications

Medications are generally affordable and accessible:

Pharmacy access:

Pharmacies (farmacias) are everywhere
Green cross sign indicates pharmacy
Pharmacists can advise on minor ailments
Many medications available OTC that require prescription elsewhere
24-hour pharmacies in larger towns

Prescription costs:

With public health card (working age): 40-60% of cost
With public health card (pensioner): 10% up to monthly cap
Private/uninsured: Full cost (still often cheaper than home)

Price examples (approximate):

Common blood pressure medication: €3-10/month
Cholesterol medication: €5-15/month
Common antibiotics: €5-15 course
Inhaler: €5-20

Transferring prescriptions from home:

Spanish doctors will usually prescribe equivalent medications
Bring current medication list (generic names)
May need local consultation for repeat prescriptions
Some medications have different brand names

Medications not available:

Some medications approved elsewhere aren't approved in Spain
Discuss with doctor before moving if taking unusual medications
Usually alternatives exist
Tip

Pharmacists are knowledgeable and helpful. For minor issues (cold symptoms, indigestion, minor injuries), ask the pharmacist first—they can often help without needing doctor visit.

Emergency Services

In emergencies, the system works efficiently:

Emergency numbers:

112: General emergencies (police, fire, ambulance)
061: Medical emergencies (ambulance)
091: National Police
062: Guardia Civil

What happens in an emergency:

1Call 112 (English operators available)
2Ambulance dispatched if needed
3Taken to nearest appropriate hospital
4Treated regardless of insurance/residency status
5Paperwork sorted later

Hospital emergency departments (Urgencias):

24/7 service at major hospitals
Can drive yourself for non-life-threatening emergencies
Triage system prioritizes serious cases
Wait times vary—serious cases seen immediately
Take ID and health card if possible

After-hours medical care:

Centros de Salud have out-of-hours services
Private clinics may have extended hours
Pharmacies can help with minor issues
Hospital emergency for anything serious

Cost of emergency care:

Public healthcare: Free for cardholders
Private insurance: Usually covered
Uninsured: May receive bill later (negotiate if needed)
EU citizens with EHIC: Covered for emergencies

Registering with the Healthcare System

Practical steps to get set up:

For S1 holders (EU pensioners):

1Obtain S1 from home country:
UK: Apply through NHS BSA
Other EU: Through national health authority
Takes 2-6 weeks typically
2Register at Spanish Social Security (INSS):
Book appointment (cita previa) online or by phone
Bring: S1, passport, NIE, empadronamiento
Office will process registration
3Receive Tarjeta Sanitaria (health card):
Card issued at Centro de Salud
May take a few weeks
Temporary document provided meanwhile
4Register at local Centro de Salud (health center):
Assigned a GP (médico de cabecera)
Can book appointments from this point

For Convenio Especial applicants:

1Apply at INSS office
2Provide: NIE, empadronamiento, passport
3Set up monthly direct debit (€60-160)
4Receive health card and register at Centro de Salud

For private insurance:

1Compare policies (online or through broker)
2Apply—medical questionnaire required
3Receive policy documents
4Find network doctors/clinics
5Book appointments directly

Timeframe: Allow 1-2 months to fully set up healthcare after arriving. Consider travel insurance to cover the gap.

Healthcare Costs Summary

What you'll actually spend on healthcare:

If covered by public system (S1/Convenio):

GP visits: Free
Specialists: Free
Hospital: Free
Prescriptions: €0-30/month (depending on status)
Dental: Private costs (see below)
Glasses: Private costs

If using private insurance:

Monthly premium: €50-250 (age-dependent)
Usually no co-pays for covered services
Out-of-network costs: As charged

Pay-as-you-go private healthcare:

GP consultation: €30-50
Specialist consultation: €50-100
Blood tests: €30-80
X-ray: €40-80
MRI scan: €200-400
Ultrasound: €50-100

Dental (private):

Checkup: €30-50
Cleaning: €40-60
Filling: €50-80
Crown: €300-500
Extraction: €50-100
Implant: €800-1,200

Optical (private):

Eye test: €30-50
Glasses: €80-300
Contact lenses: Similar to home prices

Monthly healthcare budget:

Public system access: €0-100 (prescriptions, dental)
Private insurance: €50-250 + dental/optical
Pay-as-you-go: Variable, budget €100-200

Common Health Concerns for Expats

Health issues and resources specific to expat life:

Climate adaptation:

Summer heat: Hydration crucial, avoid midday sun
Air conditioning: Can cause respiratory issues if overused
Sun exposure: High UV year-round, skin checks recommended
Allergies: Different pollen seasons than home country

Mental health:

Transition challenges are normal
English-speaking therapists available
Some public mental health services exist
Private therapy: €50-100/session
Expat support groups help many

Age-related healthcare:

Good geriatric care available
Home care services exist
Residential care options for later life
Costs lower than UK/Northern Europe

Chronic condition management:

Diabetes, heart disease, etc. well-managed
Medications available and affordable
Specialist follow-up straightforward
Bring medical records when moving

Mobility issues:

Wheelchair accessibility improving
Some older buildings less accessible
Beaches increasingly have adapted access
Home modifications available

Medical tourism:

Some expats return home for complex procedures
Usually unnecessary—Spanish care is excellent
Consider for very specialized needs
Maintain home country insurance if planning this

The Bottom Line

Healthcare in Costa Blanca meets or exceeds what most expats experience at home. The public system provides excellent care for those who qualify; private options fill gaps with English-speaking convenience. The infrastructure exists, the quality is high, and the costs are manageable.

For property buyers, healthcare access should be planned from the start: determine your route to coverage, research local facilities, and budget appropriately. Most expats report that healthcare becomes a non-issue once properly set up—something that works well in the background while they enjoy Costa Blanca life.

Ready to explore properties in Costa Blanca? We can connect you with healthcare advisors who specialize in helping international residents navigate the system.

Frequently Asked Questions

1Is healthcare free in Spain for expats?
It depends on your status. EU citizens with S1 forms (receiving state pensions) get free public healthcare. Working residents are covered through contributions. Others can pay into Convenio Especial (€60-160/month) for public access. Non-EU citizens initially need private insurance.
2How much does private health insurance cost in Spain?
Private insurance costs €50-250/month depending on age. Under 60: €50-100/month. 60-70: €100-200/month. Over 70: €200-400/month. Prices vary by insurer and coverage level.
3Can I find English-speaking doctors in Costa Blanca?
Yes, readily. Many doctors in expat areas speak English. Hospital de Torrevieja has English-speaking staff. Private clinics specifically serve the international community. English-speaking GPs, specialists, and dentists are available throughout the region.
4What is the S1 form for healthcare in Spain?
The S1 form allows EU citizens receiving state pensions to access Spanish public healthcare free of charge. Apply through your home country's health authority, then register with Spanish Social Security. UK citizens covered under the Withdrawal Agreement can still use this system.
5Which hospital serves Orihuela Costa?
Hospital Universitario de Torrevieja is the main public hospital, located 6-10 km from most Orihuela Costa properties. It's modern (opened 2006), has English-speaking staff, and is highly rated by expats. Quirónsalud Torrevieja offers private hospital services nearby.
6How does the Convenio Especial work?
Convenio Especial allows legal residents without other healthcare access to join the public system by monthly payment. Cost is approximately €60/month (under 65) to €160/month (65+). Apply at INSS office with NIE and empadronamiento. Covers same services as standard public healthcare.
7Are prescriptions expensive in Spain?
Prescriptions are generally affordable. Pensioners with public healthcare pay 10% up to a monthly cap. Others pay 40-60%. Even full price is often cheaper than in UK/Northern Europe. Common medications cost €3-15/month.
8What happens if I need emergency treatment in Spain?
Call 112 for emergencies. Ambulance will take you to nearest hospital. Treatment is provided regardless of insurance status—paperwork sorted later. Hospital emergency departments (Urgencias) are open 24/7. Costs are covered by public healthcare, private insurance, or billed later if uninsured.

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