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Health Insurance for an Intra-Company Transfer to Spain

An intra-company transfer to Spain under Law 14/2013 needs healthcare cover. Depending on how the transfer is set up, that can be public cover through Spanish Social Security, employer-arranged cover, or an individual private policy. This page explains the choice and the individual cover a transferring employee receives — focused on your healthcare, not corporate administration.

Public cover where registered with Social SecurityPrivate cover otherwise, or before thatCheck employer-provided cover carefullyFocus on the cover you receive
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ICT CoverLaw 14/2013
Registered with SSPublic cover
OtherwisePrivate cover
Employer coverCheck it is suitable
ProductResidents / Platinum
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✓ English-speaking Sanitas specialists
✓ Focus on individual cover
✓ We arrange the insurance, not the visa
✓ Personalised quotes, no obligation

In short

How Cover Works on an Intra-Company Transfer

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.

The intra-company transfer route sits under Law 14/2013, which sets the health-cover requirement as public cover or private insurance from an insurer authorised in Spain. On an ICT you usually remain employed within your company group, and how healthcare is arranged depends on the set-up: if the transfer registers you with Spanish Social Security you may be covered by the public system; if not, or before that is active, private cover is the route. Some employers also arrange cover as part of the package.

Employer cover

If Your Company Provides Cover

Where your employer arranges health cover, it is worth checking a few practical points before relying on it for the transfer: that it is issued by an insurer authorised in Spain, that it is suitable for your route and certificate, that it starts in time for your application, and that it extends to any family joining you. Where employer cover does not fit or does not cover the family, an individual Sanitas policy can fill the gap. We keep this to the cover itself, not corporate administration.

Which product

The Individual Cover a Transferee Receives

Where private cover is the route, Sanitas Residents or Residents Platinum provide full, no-copayment cover through the Sanitas network in Spain, from an insurer authorised in Spain, with the international features on Platinum if you travel. This is individual cover for you and your family; we do not attach it to a named corporate scheme unless a current product genuinely fits your situation. See the Sanitas medical network and the work visa health insurance page.

Family

Cover for an Accompanying Family

Where a partner and children transfer too, each needs suitable cover and their own certificate, matched to how they are included. A family can be arranged together, with each member's cover assessed for their own place in the application — see health insurance for family members.

Posted workers

Posted Workers and the Certificate of Coverage

There is one feature that makes intra-company transfers different from an ordinary local hire, and it decides whether you need private cover: posting. Where a social-security agreement applies between your home country and Spain — the United States and the United Kingdom both have one — a transferred employee can be “posted” and stay in their home country's social-security system for a set period, evidenced by a certificate of coverage. If you hold one, you are generally not affiliated to Spanish Social Security for that period, which usually means you would not receive Spanish public healthcare through your employment.

The practical consequence is straightforward: posted transferees typically need private health cover in Spain, because the public route through employment is not open to them while they remain in their home system. The certificate of coverage itself is obtained through your employer and your home social-security authority, not through us — but if you are posted, private cover is very often the answer, and we arrange it.

Which applies

Which Situation Applies to You

Your set-upPublic cover in Spain?Usual cover route
Registered with Spanish Social SecurityYes, once registration is completePublic; private optional as a top-up
Posted on a certificate of coverageNo — you stay in your home systemPrivate cover in Spain
Employer provides a schemeDepends on the schemeCheck it is authorised in Spain, suitable and covers family; private fills any gap
Not yet registered / arrivingNot until registration is activePrivate cover to bridge the start

Tell us which of these fits and we will arrange suitable individual Sanitas cover for you and your family and prepare the certificate. The visa itself is decided by the authorities.

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 Cover for Your Transfer

Tell us how your transfer is set up and whether public or employer cover applies, and we will arrange suitable individual Sanitas cover. 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.

  • Public / employer / private clarified
  • Individual cover for you and family
  • Certificate prepared to fit
  • No obligation

Request a Personalised Quote

FAQs

Intra-Company Transfer Cover — Common Questions

Common questions about health insurance for an intra-company transfer to Spain under Law 14/2013, focused on the cover the individual receives.

It depends on the set-up. If your transfer registers you with Spanish Social Security you may be covered publicly; if not, or before that is active, private insurance from an insurer authorised in Spain is the route. Some employers arrange cover as part of the package.
Only if it fits the route: check it is issued by an insurer authorised in Spain, suitable for your certificate, active in time, and — importantly on a transfer — that it is not simply your home-country scheme, which may not be accepted here. Where it does not fit, an individual Spanish policy fills the gap.
Usually yes. A certificate of coverage keeps you in your home country's social-security system, so you are generally not affiliated to Spanish Social Security and would not get Spanish public healthcare through your employment — which makes private cover in Spain the practical route.
Yes. The intra-company transfer route sits under Law 14/2013, which sets the health-cover requirement as public cover or private insurance from an insurer authorised in Spain.
Where private cover is the route, Sanitas Residents or Residents Platinum provide full, no-copayment cover through the Sanitas network, with Platinum adding international features if you travel.
This page focuses on the individual cover you and your family receive rather than a named corporate scheme. If a specific product suits your situation we will confirm it against the current documents.
Yes — a partner and children transferring with you each need cover and their own certificate. We arrange the family together and set each member's cover to match how they are included in the transfer application.
No. We arrange suitable individual cover and a certificate that fits; the visa is decided by the competent authority.

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