🇪🇸+34 868 290 730 🇬🇧0203 925 8884 🇺🇸+1 646 222 5288 +34 632 93 51 54
📲 Call Back WhatsApp
Mi Sanitas
Call Me Back › Get a Quote ›
ProfessionalsInternationalMoving to Spain

International Health Insurance for US Executives Moving to Spain

A US professional relocating to Spain usually wants strong private cover in Spain plus meaningful international features for travel. This page focuses on the cover you personally receive — the Sanitas network in Spain, worldwide reimbursement and cover in the USA on Residents Platinum — and how it fits the work, highly-qualified and intra-company routes. It is about your healthcare, not corporate administration.

Full private cover in SpainWorldwide reimbursement & USA cover on PlatinumFits work, HQP and intra-company routesFocus on the cover you receive
Get a Sanitas Quote →Ask an English-Speaking Adviser
Executive CoverIndividual
In SpainFull Sanitas network
Worldwide90% up to €500,000/yr
USAWithin the reimbursement
RouteWork / HQP / ICT
Ask About Executive Cover →
✓ English-speaking Sanitas specialists
✓ Focus on individual cover
✓ We arrange the insurance, not the visa
✓ Personalised quotes, no obligation

In short

The Cover a Relocating Professional Receives

Policy terms, acceptance, waiting periods and documentation requirements can change, so always check the current Sanitas wording and your personal policy conditions (and any local requirements) before relying on cover or applying.

For an internationally mobile professional living in Spain, Sanitas Residents Platinum gives full private cover through the Sanitas network in Spain, plus international benefits: worldwide medical-cost reimbursement — 90% of eligible costs up to €500,000 per insured per year, with sublimits — a separately listed USA Cover, and emergency care abroad of €30,000 a year for trips of up to 90 days. Those are separate benefits with their own terms, and they suit someone who travels for work and wants cover that reaches beyond Spain. If your care will be mainly in Spain, Residents provides full Spanish cover without the international side.

Network

The Sanitas Network in Spain

Day to day, the value is access in Spain: a broad private network of doctors, specialists, clinics and hospitals, with cover from day one and no co-payments on the visa products. That is what a relocating professional and their family use most. See the Sanitas medical network for how access works.

Routes

How the Route Usually Works

A US executive moving to Spain typically comes on a work or employee visa, as a highly qualified professional, or through an intra-company transfer. These routes expect suitable healthcare cover; where private cover is the proof, the plans above are used, and where you are covered through Spanish Social Security once employed, private cover becomes a top-up. We arrange the insurance; the visa itself is decided by the authorities.

RouteWho it suitsHealth-cover implication
Work / employee visaEmployed by a Spanish entityPublic cover once registered with Social Security; private bridges the start or tops up
Highly qualified professionalSenior or specialist roles meeting the criteriaSame public route once employed; private often used for speed and before registration
Intra-company transferMoving within your company group to SpainDepends on the set-up — public where registered, otherwise private or employer cover

See work visa health insurance, the highly qualified worker visa and intra-company transfer pages for the route detail.

Employer cover

If Your Employer Provides Cover

Some employers offer or arrange health cover as part of a package. If yours does, it is worth checking a few practical points: that the cover is issued by an insurer authorised in Spain, that it is suitable for your route and certificate, that it starts in time, and that it covers your family if they are joining. Where employer cover does not fit or does not extend to the family, an individual Sanitas policy can fill the gap. We keep this to the cover itself — plans, network and certificate — rather than corporate administration.

Family

Cover for an Accompanying Family

Where a partner and children relocate too, each needs suitable cover and their own certificate. A family can be arranged together, and each member's cover is looked at for their own place in the application. See health insurance for family members.

Continuity

Keeping Cover When Your Role or Employer Changes

Executive careers move, and a change of role or employer in Spain can quietly affect your healthcare position. If you move from an employer who registered you with Social Security to one who has not yet, or between a posted arrangement and a local contract, your public entitlement can pause or shift — and your residence may depend on cover being continuous. A private policy in your own name is independent of any one employer, so it holds steady through those changes and can be kept as a constant while the employment side settles.

The point to avoid is a silent gap: assuming public cover carries over when it does not. If a move is coming up, it is worth checking whether your Social Security cover continues, and keeping private cover in place across the transition rather than cancelling it too early. We can keep your cover running independently of the employer changes.

Timing

Cover Before Your Role and Registration Start

For a relocating professional, the awkward window is the one between arriving and being fully registered with Spanish Social Security. Public cover follows employment and registration, which are not always complete on day one, so there can be a period — sometimes weeks — where you and your family have no public entitlement yet. An individual private policy covers that interim cleanly, and for some applications private cover is what the process expects up front regardless.

  • Confirm when your Social Security registration and public cover actually switch on
  • Put private cover in place from your arrival or start date so there is no uncovered gap
  • Check any employer-provided cover is authorised in Spain, suitable, in time, and extends to family
  • Decide whether to keep private cover afterwards as a faster-access top-up, or let it lapse once public cover is active

We arrange the private cover to fit that timeline — bridging the start, then continuing or stopping as your situation settles. The quote form below is the place to tell us your route and start date.

Important information

Important Information

Important: Sanitas policy benefits, exclusions, waiting periods, authorisation rules, medical network access and visa suitability can change. Cover also depends on the specific policy chosen, the applicant’s personal terms and conditions, health declaration, acceptance terms and any individual exclusions applied by Sanitas. Always check the actual current Sanitas policy wording, certificate wording, general terms and personal policy conditions before relying on any cover or making a visa, medical or financial decision.

Arrange International Cover for Your Move

Tell us your route and whether family are joining, and we will arrange suitable Sanitas cover and request a personalised quote. Spanish Health Insurance arranges Sanitas policies issued in Spain; we do not advise on US domestic insurance or Medicare. Please check the actual current policy terms and your personal conditions before purchasing or using any Sanitas policy. Policies change and individual terms can vary.

  • Full Spanish network cover
  • Worldwide and USA features on Platinum
  • Family cover coordinated
  • No obligation

Request a Personalised Quote

FAQs

Executive Cover — Common Questions

Common questions about international health insurance for US professionals moving to Spain, focused on the cover the individual receives.

Those who want strong international cover usually look at Sanitas Residents Platinum — full private cover in Spain plus worldwide reimbursement and USA cover. Where care will be mainly in Spain, Residents provides full Spanish cover without the worldwide side.
Residents Platinum includes worldwide reimbursement (90% up to €500,000 per insured per year, with sublimits) and emergency care abroad for trips of up to 90 days. These are separate benefits with separate limits.
Usually a work or employee visa, the highly-qualified professional route, or an intra-company transfer. Each expects suitable healthcare cover; we arrange the insurance and certificate.
Check that it is issued by an insurer authorised in Spain, is suitable for your route and certificate, starts in time, and covers your family. Where it does not fit or extend to the family, an individual Sanitas policy can fill the gap.
Each family member needs suitable cover and their own certificate. A family can be arranged together, with each member's cover assessed for their own place in the application.
This page focuses on the individual private cover you receive rather than a named corporate scheme. We arrange individual and family Sanitas cover; if a specific product suits your situation we will confirm it against the current documents.
Once you are resident in Spain it is your cover here, and its worldwide reimbursement supports business travel within a percentage and cap. It is not built to be your primary plan for extended time based back in the US, where a domestic arrangement would still be needed.

Related Sanitas Add-ons & Guides

Sanitas Plans

Sanitas ResidentsSanitas Residents PlatinumCopay vs No-Copay CoverComprehensive Health InsuranceEmployee Relocation Health Insurance

Hospitals & Network

Sanitas Hospitals in SpainSanitas Medical CentresSanitas Cuadro MédicoHospitals & Centres for Expats

Get Started

Sanitas Residents PlatinumWork Visa Health InsuranceHighly Qualified Worker VisaSanitas Medical NetworkGet a Sanitas Quote

Arranging this cover for yourself, or for a team?

Choose the route that fits — a personalised quote for one person, or a company enquiry if you are insuring a team.

For one person

Get a personalised individual quote for yourself or your family.

Get an individual quote →

For a team or company

Start a company health-insurance enquiry, or see how we insure teams in Spain.

Company enquiry →   Insuring your team →