Allianz Care for Expats in Spain (2026)

Spanish consulates require private health insurance with no co-pays, no coverage limits, and full coverage within Spain. Allianz's Classic and Premium plans typically satisfy these requirements without issue.

The Essential plan offers lower premiums but more limited coverage. Some consulates have questioned whether Essential-level plans meet the 'comprehensive coverage' standard. For visa applications, Classic or Premium is the safer choice.

Documentation advantage: Allianz is a European company with strong brand recognition in Spain. Consular officials are familiar with Allianz documentation, which can reduce questions and processing delays.

Essential: Core coverage with focus on inpatient care and emergencies. Lower premiums but limited outpatient benefits. May not satisfy all Spanish visa requirements.

Classic: Comprehensive inpatient and outpatient coverage. Includes specialists, diagnostics, and prescription coverage. The standard choice for non-lucrative visa applications.

Premium: Maximum coverage including wellness benefits, dental, vision, and maternity. Higher cost but fewest coverage gaps. Good for families and those with ongoing healthcare needs.

The non-lucrative visa is designed for those with passive income who won't work in Spain—typically retirees. Allianz's conservative, comprehensive coverage aligns well with this profile. Applicants are typically risk-averse and prioritize certainty over cost savings.

The income requirement for non-lucrative visa (approximately €2,400/month for primary applicant) suggests applicants can afford quality coverage. Allianz Classic at €200-300/month represents a reasonable portion of the required income.

For couples, Allianz offers family plans that can provide savings over separate individual policies. Both partners need coverage for visa applications.

For a 55-year-old (common retiree profile), expect roughly €200-300/month for Classic coverage. For a 65-year-old, costs rise to €300-400/month. Premium adds 20-30% to these figures.

Younger applicants pay less—a 35-year-old might pay €140-200/month for Classic. However, Allianz's pricing is competitive primarily for the older demographic where it's most commonly used.

Allianz typically requires annual payment, though some payment plans are available. Annual payment often includes a small discount versus monthly billing.

Many expats in Spain travel frequently to other EU countries—visiting family, tourism, or spending summers elsewhere. Allianz coverage works seamlessly across Europe, with strong hospital networks in most EU countries.

This European integration is valuable for the Schengen travel that many Spain-based expats do. You're not limited to Spanish hospitals; care throughout the EU is covered under the same policy.

For those splitting time between Spain and another EU country (common for retirees with family elsewhere), Allianz's pan-European approach may be more practical than insurers with narrower geographic focus.

Allianz has relationships with major private hospital groups in Spain. In Madrid, Barcelona, Valencia, and other major cities, you'll find multiple private hospital options.

For most care, you can visit any private hospital and submit claims for reimbursement. For planned procedures, Allianz can often arrange direct billing with major hospital groups.

The Spanish private healthcare system is well-developed, and Allianz's coverage gives you access to it. Quality is generally high, with shorter wait times than the public system for non-urgent care.

Allianz provides policy certificates for visa applications. Request a certificate that clearly states: coverage valid in Spain, no annual or lifetime limits, hospitalization and outpatient coverage included, and no co-payments on essential services.

Spanish-language certificates are available. While not strictly required, they can smooth the visa process, especially at busier consulates.

Allianz is experienced with visa documentation requests. Their customer service can advise on exactly what your consulate needs, though requirements ultimately depend on the specific consulate.

vs Cigna Global: Very similar tier and coverage. Both are safe choices for Spanish visas. Allianz has stronger European identity; Cigna has broader global reach. Choice often comes down to specific plan details.

vs SafetyWing: Different products for different needs. SafetyWing is much cheaper but may not meet visa requirements. Allianz is the safer choice for visa applications.

vs Spanish private insurers: Sanitas, Adeslas, and other Spanish insurers are cheaper but require residency. Use Allianz for the visa; switch to local coverage later if desired.