Expats Pensioners On Healthcare In Spain?

Expats Pensioners On Healthcare In Spain
Who is eligible for the healthcare? – Expats Pensioners On Healthcare In Spain The healthcare system in Spain is a significant public service offering social services to its citizens. Spanish speaking people are protected by one of the most generous welfare systems in Western Europe. This means that each citizen has access to a social security number (SSN). Anyone over 18 who is a citizen of Spain and has paid the relevant taxes can receive certain benefits, including free medical care.

  1. The social security system in Spain also has some of the best dental care available anywhere globally;
  2. Because most hospitals in Spain are private, they are often cheaper than in the UK and other European countries;

Spain strives to offer globality health. This is the primary healthcare that caters for a large number of ethnic minority groups. One of the most significant minorities within Spain is the Roman Catholic Church, which provides free health care for its followers.

The Roman Catholics and the majority of the population follow the Roman Catholic Church dogma regarding belief and religion. This means that several different types of healthcare in Spain for expats are provided for those followers of this religious faith.

There is also a state-funded secondary health care system, which is better funded than the private one. Anyone working or residing in Spain may use both the public and private healthcare systems, which are both free and funded by taxation and social security contributions.

  • Do you want to live in Spain? Our law firm has more than 15 years of experience;
  • Contact Us Now! In Spain, the EU, EEA, and Swiss citizens who attain retirement age are eligible for free healthcare;
  • If you reside in another EU nation, you’ll need a document of right to healthcare to utilize it;

EU, EEA, and Swiss citizens living in Spain temporarily, on the other hand, may utilize their European health insurance card, which entitles them to the same medical care as a Spanish person. On the other hand, third-country nationals must provide evidence of private health insurance in Spain before being granted a visa.

Medical insurance is required for non lucrative visa , golden visas or any Spanish visa. Spain’s public healthcare system is supported by payments to the country’s social security funds based on the government-set minimum and maximum rates.

Employers pay the equivalent of 23. 6 percent of an employee’s wages to the social security system, while general workers’ pay 4. 7 percent of their yearly income (28. 3 percent). As a result, self-employed employees pay between 26. 5 percent and 29. 3 percent of their income in taxes.

Do pensioners get free healthcare in Spain?

Healthcare in Spain for British citizens living in Spain from 01/01/2021 – The Social Security Coordination Protocol of the Trade and Cooperation Agreement between the European Union and the European Atomic Energy, and the United Kingdom of Great Britain and Northern Ireland, include the vast majority of social security benefits currently covered by Community Regulations. In regards to medical coverage, the following options are available:

  1. As long as you are eligible for medical coverage in the country that pays your pension (both State Pension or Government Pension), you will be able to receive medical coverage in the country where you live. To access this coverage, you must apply for the S1 in the UK before you arrive in Spain. You must then hand over your S1 form to the INSS office in Spain to finalise the process.
  2. If you are unable to provide the S1 form, you can either opt for private medical coverage or subscribe to the Andalusian Health Service (SAS) through the Convenio Especial – this incurs a monthly fee. The SAS public health insurance scheme can only be accessed by those not entitled to healthcare in their country of origin.

It is also important that you do not forget your tax obligations as a resident of Spain. Generally, you will be considered a tax resident if you stay over 183 days in Spanish territory in one calendar year or your primary area of economic interest and activity is in Spain, under article 9 of the IRPF Law. If you are considered a tax resident of Spain under either of these criteria, the following is a summary of the tax implications that may apply to you: TAX OBLIGATIONS

  • Tax return in Spain
  • Personal Income Tax : Your worldwide income will be taxed in Spain. This includes income such as UK pensions, rental income, shares, dividends etc. The double taxation agreement between Spain and the country where your income comes from will be applied here so that you can avoid double taxation.
  • Wealth Tax – Form 714 : The threshold for Wealth Tax in Spain is €700,000. Any amount that exceeds this number will be taxed. You must include all global assets within this tax return. Wealth Tax should be declared using Form 714.
  • Assets Declaration – Form 720 : Overseas assets held outside of Spain must be declared by any Spanish resident when the value exceeds €50,000. Declaration of these assets should be submitted via Form 720.
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Do expats living in Spain get free healthcare?

Who can access healthcare in Spain? – State healthcare is free of charge to anyone living and working in Spain. However, on some of the Spanish islands, you may have to travel to find a state healthcare provider. As the Spanish healthcare system is decentralized, you will need to check the conditions in your own area for using healthcare services. As an expat, you can get free state healthcare if you are:

  • A resident in Spain and work in employment or self-employment and pay social security contributions
  • Living in Spain and receiving certain state benefits
  • A resident in Spain and recently divorced or separated from a partner registered with social security
  • A child resident in Spain
  • A pregnant woman who is a resident in Spain
  • Under 26 and studying in Spain
  • A state pensioner
  • Staying temporarily in Spain and have an EHIC card

Spain has bilateral agreements with some countries, such as Andorra, Brazil, Chile, Ecuador, and Peru, that allow citizens from these countries visiting Spain, for short periods of time, to obtain free emergency medical treatment. Check with your local Spanish embassy to see if any agreements are in place between Spain and your home country. If you don’t have the right to state healthcare, you will have to organize private health cover.

Do British expats get free healthcare in Spain?

Brexit has changed the way British expats access healthcare in Spain. Once registered, British expats can access basic medical services for free, but there are still a lot of treatments that are paid for. These include discounted or full priced prescriptions.

Who is entitled to free healthcare in Spain?

Spain has both public and private healthcare systems. The public system provides free basic healthcare to those who contribute to the Spanish social security system and their families. The public system also provides free healthcare for retirees, including those from other EU countries.

The UK government pays Spain an annual sum per pensioner to cover their health costs. Foreign employees working for Spanish companies or self-employed foreigners in Spain usually have to contribute to Spanish social security (seguridad social).

This entitles them and their families to receive free or subsidised medical care on the same terms as Spanish residents. If you are not a pensioner, employed person or officially a resident in Spain you will not qualify for free medical treatment under the Spanish public system.

  1. The British Embassy in Spain states that residents should ensure they are covered by private medical insurance if the spanish security system does not cover them;
  2. It’s worth noting that the E111 form is no longer valid and was replaced in January 2006 by the European Health Insurance Card (EHIC);

The EHIC is usually valid for three to five years and covers any medical treatment that may become necessary, through either illness or accident. The card only allows you treatment under the state system and you may have to pay a contribution towards the cost of your care.

  1. The EHIC is not a substitute for medical and travel insurance and will not cover you for medical repatriation, on-going medical treatment, treatment of a non-urgent nature or private care;
  2. People who are ordinarily resident in the UK are entitled to a UK-issued EHIC and it is not valid for people who are going to live abroad;

After you have registered with seguridad social, you will be given a registration card (cartilla de la seguridad social, or tarjeta sanitaria). The card is usually sent directly to you by post, but in some cases you may have to visit the nearest health centre (centro de salud) to pick up your registration card.

This card will give you your social security number. Spain has an excellent system of private medicine that exists easily alongside the state system and in recent years has become more important. An estimated 15% of the population holds private health insurance.

This can either be used as a supplement or an alternative to public care and is available from both local and worldwide based insurers. As with the state systems in other European countries there can be long waiting lists to see specialists and for non-emergency surgical care.

The public system covers only basic medical care – dental and eye care is available privately. For minor ailments, there are local pharmacies (farmacias), which have a green flashing cross displayed outside or in the window.

They take turns to provide a 24-hour service, and display their schedules in the window – or in the local paper. Pharmacists in Spain are better trained than in some other countries, and provide treatment advice for many common illnesses and ailments. In the case of an emergency, go straight to the nearest casualty department (urgencias).

  1. Under Spanish law any health organisation, public or private, is required to treat patients in an emergency situation regardless of their insurance status;
  2. The responsibility of deciding what constitutes an emergency rests with the nurse or doctor on call;
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If you require an emergency ambulance, use the general emergency number 112. For a list of foreign language speaking doctors, the best advice is to consult your embassy or local consulate. They usually hold lists of physicians available to their citizens.

  • Pensioners may find that the wide range of facilities available to them in the UK aren’t on offer to them in Spain;
  • While they can expect the same care as any Spanish citizen under the same conditions, they should bear in mind that certain services (Meals on Wheels and daycare centres) vary from district to district and may be scarce;

Also, the staff working for these services will be unlikely to speak English. In Spain, some provision is expected from family and friends.

Can I use the NHS if I am resident in Spain?

Accessing The UK NHS For Expats In Spain Expat Tips Published: 19 December 2016 12:21 CET Updated: 22 June 2022 12:21 CET When you’re a British expat in Spain, returning to the UK is a time to catch up with friends and family, sort out business and family affairs, and revisit old haunts. Usually, you’re returning to the UK for a holiday, so hopefully, you won’t have to see a doctor or access any NHS services during your visit. However, the way you access the NHS has changed recently, so it is wise to be prepared, especially if you’re a pensioner.

NOTE:  If you currently have a  Health Plan Spain private insurance policy , you are automatically covered with international health insurance coverage of up to 10,000 Euros per person, per claim when travelling abroad.

You will also have a free 24 hour English speaking helpline at your fingertips if you are in need of any urgent assistance or advice. State Pensioner Access to NHS If you’re a State Pensioner with a UK issued S1 form – or you are included in the category of Posted workers from UK to Spain (and therefore you may have an S1 form issued by HMRC or you are using a UK issued EHIC in Spain): Officially you have the right to free secondary care and you will be able to access healthcare on the same basis that a UK resident would, where secondary care is defined as access to A&E and hospital treatments.

Primary care – GP clinics, Walk-Ins, some dentist and ophthalmology services – is free at the point of use, too. It will be entirely up to the GP surgery in question, whether they will accept patients from abroad.

What this means in practice is that if you find a local surgery that will accept you, you will be able to see a GP. In the event that you require a specialist, you will have to be referred by a GP. You will only be charged for treatment in cases where UK residents would be charged for the same treatment.

Prescriptions will also need to be paid for on the same basis as a UK resident. If exemptions apply for UK residents (for pregnant women etc. ), they will also apply to you. Expat State pensioners therefore will not need to pay for prescriptions while visiting the UK.

In order to access services at the GP surgery or hospital, State Pensioners will need to remember to ask reception or the billing department to call the Overseas Healthcare Team on 0191 218 1999 to verify that you are indeed registered as S1 in Spain.

You should have your national insurance number at hand. Posted Workers Posted workers will need to provide their NHS number OR ask the reception or the billing department to call the Overseas Healthcare Team on 0191 218 1999 to verify that they do have a registered S1 in Spain.

You will also need to have your national insurance number at hand. Workers If you are a worker in Spain contributing to Spanish social security, if you are in receipt of a Spanish state pension or benefit, or you were registered on the basis of residency prior to the 24th of April 2012 (and therefore might not have contributed to the Spanish system): You will be able to access NHS services as you are covered by the Spanish issued European Health Insurance Card (EHIC) aka Tarjeta Sanitaria Europea.

This takes care of any medical necessities that cannot wait until your planned return to Spain. You will also be expected to pay for prescriptions on the same basis as a UK resident. Again, if UK residents would be exempt, you will be too.

You should present your Spain issued EHIC at the point of access for medical services. Limite de Rentas If you are ” limite de rentas “, you will be covered by a Spanish issued Certificado Provisional Sustitorio (CPS), which is a kind of temporary EHIC that you apply for whenever you travel within EEA countries.

This will cover you for all state-provided care, as long as you cannot wait until you return to Spain. You will also pay prescriptions as a UK resident would, and will be entitled to the same exemptions.

You should issue your CPS at the point of access to the NHS. Early Retiree If you are an Early Retiree and do not have private healthcare insurance such as one of our Sanitas policies , you will need to take out private travel insurance to access NHS services.

  1. Alternatively, you can choose to pay for any NHS services you use as you use them;
  2. You will be required to pay the whole prescription fee unless your insurance covers that;
  3. You should show your insurance policy at the point of access to the NHS or pay upfront;
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If you have a residual S1, you will not be affected as it will remain valid until its original expiry date. Free Travel Assistance with Health Plan Spain Policies If you currently have a Health Plan Spain private insurance policy , you are automatically covered with international health insurance coverage of up to 10,000 Euros per person, per claim when travelling abroad.

Cover includes visits to see a doctor, hospitalisation, emergency dental care and prescription payments. You also have a free 24 hour English speaking helpline at your fingertips if you are in need of any urgent assistance or advice.

Please visit our travel assistance page for further details.

Do you pay for hospital treatment in Spain?

What EHIC and GHIC covers – An EHIC or GHIC covers state healthcare, not private treatment. With an EHIC or GHIC you can get medically necessary treatment in Spain on the same basis as a Spanish citizen. This means that you’ll get healthcare services for free or at a reduced cost.

  1. An EHIC or GHIC is not a replacement for travel insurance – it does not cover everything, such as mountain rescue or being flown back to the UK (medical repatriation);
  2. Make sure you have both before you travel to Spain;

You may need to pay in full for treatment if you do not have an EHIC , GHIC or provisional replacement certificate (PRC).

How do expats get healthcare in Spain?

How does the Spanish Healthcare System Work for Expats? – All Spanish citizens have access to  seguridad social , or the Spanish National Health System (SNS) , which covers them for medical assistance, free of charge. Emergency medical services in Spain are accessible even by the country’s undocumented immigrants. Expats may be able to obtain free healthcare services in Spain if:

  • They work in Spain and make social security contributions
  • They are eligible for certain state benefits
  • They recently separated from a partner who had a registered social security
  • They are country’s child residents or are pregnant women who reside in Spain
  • They are students under the age of 26 studying in the country
  • They are state pensioners
  • They hold a European Health Insurance Card (EHIC) and are temporarily staying in Spain

How long can pensioners stay in Spain?

Visa Requirements – Brits are now subject to the same general rules as other non-EU citizens (see the article ‘ The New Rules For Brits Moving To Spain ‘ for more details). Where you are not planning to be resident you will of subject to the terms of a Schengen visa.

  1. This allows you to visit Spain regularly but you will be subject to a maximum of 90 days in Spain in every 180 days;
  2. British citizens do not need to apply for a visa but are subject to the same rules;

Your passport will be stamped on entry and exit from the Schengen zone and they will use this to monitor compliance with the 90 in 180 days rule. If you wish to stay longer than 90 days you will need to get a visa appropriate for the purposes of your stay in Spain.

Thus Brits or other Non-EU citizens wishing to retire to Spain will generally need to apply for a Golden Visa or a Non-Lucrative Visa if they wish to stay long term in Spain. This places more onerous requirements on those wishing to settle in Spain, particularly in terms of financial resources to demonstrate you will be able to support yourself.

A single applicant for a Non-Lucrative Visa will need to demonstrate at least €27. 115. 20 through their account per annum ( €33,894 a year for a couple). The financial requirements for a Golden Visa are lower but it requires a capital outlay of €500,000 on property. Alderton’s provide low cost support for you visa application as well as relocation and property finding. My Lawyer in Spain can help with your visa application, your property purchase and other legal requirements.

Do you pay to see a doctor in Spain?

Cost of doctors in Spain – Being registered with the national health system means that a visit to the doctors in Spain is free, as are non-elective treatments. Without state or private cover, the costs of visiting the doctors are on average:

  • Initial consultation: €40
  • Blood tests: €80
  • Specialist: €80-150
  • One-day hospital stay: €200