Turner Insurance News   •   Sept 23, 2024

The aftermath of Brexit has changed the landscape for British expats living in Spain. With the transition from EU membership, healthcare access rules have shifted, leaving many UK citizens uncertain about their medical coverage. In this blog post, we’ll explore the key changes to expat healthcare post-Brexit and why private health insurance is more important than ever for Brits living in Spain.

Understanding the Post-Brexit Healthcare Changes

Before Brexit, UK expats enjoyed relatively easy access to Spain’s public healthcare system through the European Health Insurance Card (EHIC) and Social Security agreements. However, post-Brexit, the situation has become more complex. While Spain and the UK have reached certain agreements, not all expats will be covered as before.

What Has Changed for UK Expats?

• EHIC Replaced by GHIC: UK residents can still access emergency care with the new Global Health Insurance Card (GHIC), but it does not offer the same comprehensive coverage across all EU countries​.
• Social Security Rules: Expats who have paid into the Spanish Social Security system may still access public healthcare, but for many, this option is limited.
• No Automatic Coverage for Non-Workers: Retirees, students, or those not working in Spain may no longer be automatically entitled to state healthcare, making private insurance a vital option for ensuring continuous access to healthcare services​.

Why UK Expats Should Consider Private Health Insurance

1. Comprehensive Coverage

Post-Brexit, UK expats must take proactive steps to secure healthcare. While the GHIC offers emergency care, it does not cover everything, including routine check-ups, elective procedures, and specialist treatments. By opting for private health insurance, expats can access these services without worrying about hefty out-of-pocket costs​.

2. Faster Access to Medical Care

Spain’s public healthcare system is exceptional, but it comes with long wait times, especially for non-emergency procedures like surgeries or specialist consultations. Private insurance allows expats to bypass these queues, gaining quicker access to treatment when it matters most​.

3. English-Speaking Medical Professionals

Navigating the Spanish healthcare system can be challenging for expats, especially when language barriers arise. Private health insurance typically offers access to a wide network of English-speaking doctors and specialists, providing greater peace of mind and clearer communication during medical appointments​.

Choosing the Right Private Health Insurance Plan

Given the changes in healthcare access, it’s crucial for UK expats to choose the right private health insurance plan in Spain. Here are some key factors to consider:

1. Assess Your Coverage Needs

Do you need comprehensive medical coverage that includes dental and optical care? Or are you looking for a more basic plan to complement emergency coverage under the GHIC? Assess your healthcare needs and select a plan that suits your lifestyle and medical history​.

2. International Coverage

If you frequently travel between the UK and Spain, or elsewhere in Europe, consider an international health insurance plan. These policies ensure you’re covered for medical treatment both at home and abroad, offering flexibility and peace of mind during your travels​.

3. Check for Pre-existing Conditions

Some private insurance plans offer coverage for pre-existing conditions, but it’s essential to confirm this when choosing a policy. At Turner Insurance, we help expats navigate their options and find the best plans that fit their health needs​.

How Turner Insurance Can Help

At Turner Insurance, we understand the unique challenges UK expats face in securing healthcare post-Brexit. Our range of private health insurance plans offers comprehensive coverage, quick access to treatment, and options tailored specifically for expats living in Spain. Whether you need basic medical coverage or an international plan, we are here to help you navigate the complexities of post-Brexit healthcare.