Private healthcare in Murcia and across Spain, arranged in English by your Allianz agent. We issue expat policies with no waiting periods (carencias), so you can book a specialist the day your cover starts — and get the certificate your visa needs.
Private healthcare in Murcia and across Spain, arranged in English by your Allianz agent. We issue expat policies with no waiting periods, so you can book a specialist from day one.
Guide table based on the official Allianz health insurance brochure (ref. 446 1026, October 2026). Cover, co-payments, waiting periods, limits and exclusions depend on the terms of your policy.
What’s covered
Private healthcare without the public waiting lists
Private healthcare without the public waiting lists
When you move to Spain, getting seen quickly and being understood matter just as much as the treatment itself. Private health insurance gives you specialists in days rather than months, and we handle every authorisation and claim with you in English.
When you move to Spain, getting seen quickly and being understood matter just as much as the treatment itself. Private health insurance gives you specialists in days rather than months, and we handle every authorisation and claim with you in English.
Coming to Spain to study? We have the policy your student visa requires
Non-EU students need health insurance with no co-payments, no waiting periods and no cover limits. We issue that policy and the certificate for your visa application, usually within 24–48 hours.
Tell us who needs cover and their dates of birth, and an agent will prepare your options, in English, along with the certificate you need for a visa or residence application.
FAQs
Health insurance in Spain: frequently asked questions
We issue our expat policies with the waiting periods waived, so you can use the cover from the first day. Waiting periods and pre-existing conditions are different things: any condition you already have is declared and assessed when you apply, and we'll tell you exactly how it is treated before you sign.
For a non-lucrative, digital nomad or student visa, Spanish consulates require private health insurance from an insurer authorised in Spain, with cover comparable to the public system, no co-payments and no waiting periods. We issue that policy and the certificate for your application.
Many private clinics and hospitals in Murcia and on the Costa Cálida have English-speaking doctors, and we help you find them in the medical directory. Your agent also handles authorisations and claims with you in English.
No, it isn't required. Many of our clients add private insurance anyway to avoid public waiting lists, choose their specialist and get appointments within days.
No. The European health card covers necessary state treatment during a temporary stay, not while you live in Spain, and it is not accepted as the insurance a visa or residence application requires.
A small fixed amount you pay per visit or test, in exchange for a lower premium. Some plans include co-payments and others don't; if you need the policy for a visa, we issue it without co-payments.
Yes. Your policy covers urgent medical treatment abroad if an accident or sudden illness catches you while travelling. Reimbursement plans go further and let you use private doctors anywhere in the world and claim the cost back.
Yes. You can insure the whole family on the same policy, with children's paediatric care included, and our full plans add dental cover at no extra cost.
Usually within a day or two of sending us the application, and we can set the start date to match your arrival in Spain or your visa appointment. You get the certificate as soon as the policy is issued.
AMB Seguros is an exclusive Allianz agency in Murcia specialising in private health insurance for expats, families and businesses: policies with no waiting periods, visa certificates and help finding English-speaking doctors across Spain.
