Why buy private health insurance?

Private healthcare insurance is designed to make you feel secure when you need medical treatment. It makes sure that when you need treatment covered by the health insurance plan you’ll be cared for comfortably, quickly and given a greater choice about where and when you receive treatment. It also offers you flexibility around appointment times and a choice of specialists, consultants and surgeons. If you are in hospital you may prefer to have a private en-suite room, access to tv and telephone and more flexible visiting times.

State health service budgets are under strain and waiting times for treatment can be long and may get longer. Private health insurance gives you a wide choice of quality hospitals and other medical facilities to choose from enabling you to receive prompt treatment at a convenient time and location.

However, we know that the world of private medical insurance can be baffling. With so many different policies to choose from how can you decide which is the right one for you and your family? That is why Ibex insurance does not work with just one medical insurer, we work with a variety of insurers and each provider has a range of plans. We have chosen the best the market has to offer aimed specifically at people who live away from their home country for all or part of the year.

These companies include AXA PPP, ALC Healthcare, DKV, Caser, BUPA, IMG Europe, Aetna and ASSSA.

So which one to choose?

Let us do the work for you. We can assess your needs and present you with a comparison between policies which we feel are relevant to those needs. So you can rest assured that we have a plan to cover you and your loved ones at a price you can afford.

Health Insurance Plans for Spanish Residency

We are also experts in finding medical plans for residency in Portugal. Given that most people relocating to Portugal will need some form of medical insurance in order to live here, we receive a lot of enquiries from individuals who require it as a condition for residency or a TIE.

There are various boxes that a health insurance plan must tick if it is to be satisfactory for a residency application and it needs to cover hospitalisations and any kind of medical transportation. Furthermore, it has to be valid for the entirety of the Spanish territory, covering any type of disease or illness.

Allow us to help you navigate this new territory and find the right health insurance for Spanish residencia for you.

Health Insurance Comparison Chart

STANDARD PLANS

    •  
    • Plan Name
    • Area of cover
    • usa cover
    • age limit for entry
    • currencies available
    • in-patient cover
    • overall annual limit
    • out-patient cover
    • prescribed drugs/dressings
    • dental
    • pregnancy
    • cover begins after...
    • underwriting terms
    • excess/deductible
    • ALC Healthcare
    • Classic
    • Europe/Worldwide excl USA
    • Optional
    • No limit
    • €,£,$
    • € 1,500,000
    • € 12,000
    • optional
    • optional
    • Immediate
    • Moratorium & Continued Personal Medical Exclusions
    • Zero to €9,000 (Iberica €120 compulsory excess)
    • ASSSA
    • Summum
    • Portugal & emergencies worldwide
    • up to €12,000 per emergency
    • 79
    • Unlimited *subject to T&Cs
    • One annual check up & teeth clean included
    • Immediate
    • Underwritten, all pre-existing conditions excluded
    • No excess. Operates on voucher scheme (€2 each)
    • AXA PPP
    • European (EHC) Level 3
    • Europe
    • No upper limit
    • €,£,$
    • (limited to € 51,000)
    • € 125,000
    • € 3,185
    • € 125
    • Immediate
    • Underwritten
    • €25 doctor consultations, in addition can take a voluntary excess up to €900
    • AXA PPP International
    • Standard
    • Worldwide excluding USA
    • Optional
    • No upper limit
    • €,£,$
    • € 950,000
    • € 405 (50%)
    • Immediate
    • Choice of Moratorium or underwritten
    • Zero to € 2,550
    • BUPA
    • Worldwide Health Options
    • Worldwide excl USA
    • Optional
    • No upper limit
    • €,£,$
    • € 1,875,000
    • optional
    • optional
    • optional
    • optional
    • Immediate
    • Underwritten
    • Zero to €6,250 hospital and €125 outpatient
    • Caser Seguros
    • Activa/Integral
    • Portugal
    • Activa: 64 years / Integral: 69 years
    • Unlimited *subject to T&Cs
    • Yes
    • 50% of expenses up to € 100 per insured per year
    • Dental Complement included at no additional cost
    • Yes *waiting period may apply
    • A waiting period on some services
    • Underwritten, all pre-existing conditions excluded
    • Activa: € 0 - € 80.00 (per treatment) - Capped at €280 per year - insured / Integral: € 0 - € 15.00 (per treatment)
    • Caser Seguros
    • Adapta
    • Portugal
    • 64 years
    • Unlimited *subject to T&Cs
    • Yes
    • No
    • No
    • Yes *waiting period may apply
    • A waiting period on some services
    • Underwritten, all pre-existing conditions excluded
    • No Excess (except € 8 per session in Psychology for adults)
    • DKV
    • Integral Classic
    • Portugal
    • 70
    • (limited to 60 days for psychiatric)
    • Unlimited *subject to T&Cs
    • (Some procedures are covered)
    • a waiting period for some services
    • Underwritten, all pre-existing conditions excluded
    • No excess - operates on a contribution scheme
    • IMG Europe
    • Silver
    • Europe/Worldwide excluding certain countries
    • Worldwide option
    • 74
    • €,£,$
    • (limited amount for Room & Board)
    • € 3.35M lifetime limit
    • Limits on doctor visits and tests
    • Optional
    • Optional
    • 6 months for certain conditions
    • Underwritten and moratorium on accepted conditions
    • Zero to € 6,700
    • Morgan Price Health Insurance - Evolution Health
    • Standard
    • Europe/Worldwide excluding USA & Asia/Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$500,000
    • Emergency only due to accident
    • (available on higher plan)
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental.
    • Moratorium, fully medical underwritten or cpme
    • €£/$ 100 / 250 / 500 / 1,000 / 2,000
    • Morgan Price Health Insurance - Evolution Health
    • Standard Plus
    • Europe/ Worldwide excluding USA & Asia / Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$ 750,000
    • limits apply
    • limits apply
    • Emergency only due to accident
    • Complications only
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme.
    • €£/$100 / 250 / 500 / 1,000 / 2,000
    • Morgan Price Health Insurance - Evolution Health
    • Comprehensive
    • Europe / Worldwide excluding USA & Asia / Worldwide
    • Optional
    • 74
    • €,£,$
    • €£/$ 1,000,000
    • limits apply
    • limits apply
    • limits apply
    • Complications only
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme
    • €/£/$ 100 / 250 / 500 / 1,000 / 2,000
    • NOW Health
    • Advance
    • Worldwide excl USA
    • Optional
    • 79
    • €,£,$
    • € 2,800,000
    • (available on higher plan)
    • (available on higher plan)
    • Immediate
    • Moratorium
    • Zero to €2,000

COMPREHENSIVE PLANS

    •  
    • Plan Name
    • Area of cover
    • usa cover
    • age limit for entry
    • currencies available
    • in-patient cover
    • overall annual limit
    • out-patient cover
    • prescribed drugs/dressings
    • dental
    • pregnancy
    • cover begins after...
    • underwriting terms
    • excess/deductible
    • ALC Healthcare
    • Classic
    • Europe/Worldwide excl USA
    • Optional
    • No limit
    • €,£,$
    • € 1,500,000
    • € 12,000
    • Optional
    • Optional
    • Immediate
    • Moratorium & Continued Personal Medical Exclusions
    • Zero to €9,000 (Iberica €120 compulsory excess)
    • ASSSA
    • Master
    • Portugal
    • 74
    • (limits apply)
    • Unlimited* subject to T&Cs
    • One annual check up included
    • a waiting period for some services
    • Underwritten, all pre-existing conditions excluded
    • No excess. Operates on voucher scheme (€2 each)
    • AXA PPP International
    • Comprehensive
    • Worldwide excluding USA
    • Optional
    • No upper limit
    • €,£,$
    • € 1,900,000
    • € 3,825
    • € 255
    • €405 (50%)
    • (available on higher plan)
    • Immediate
    • Choice of Moratorium or underwritten
    • Zero to €2,550
    • BUPA
    • Worldwide Health Options
    • Worldwide excl USA
    • Optional
    • No upper limit
    • €,£,$
    • € 1,875,000
    • Optional
    • Optional
    • Optional
    • Optional
    • Immediate
    • Underwritten
    • Zero to €6,250 hospital and €125 outpatient
    • Caser Seguros
    • Prestige
    • Europe / Worldwide
    • 64 years
    • €,£,$
    • € 210,000 per insured / year
    • Yes
    • 50% of the expenses up to € 100 per insured per year
    • Dental Complement included at no additional cost
    • Yes *waiting period may apply
    • A waiting period on some services
    • Underwritten, all pre-existing conditions excluded
    • 10% hospitalisation in Portugal and 20% abroad and non-hospital in Portugal
    • DKV
    • Mundisalud Elite
    • Worldwide
    • Refund of 90%
    • 70
    • (limited to €250,000 per year)
    • € 300,000
    • € 50,000
    • (Some procedures are covered)
    • a waiting period for some services
    • Underwritten, all pre-existing conditions excluded
    • No excess when using DKV medical directory
    • IMG Europe
    • Gold Plus
    • Europe/Worldwide excl certain countries
    • Optional Worldwide option
    • 74
    • €,£,$
    • €3.35M lifetime limit
    • optional
    • optional
    • Immediate
    • Underwritten and moratorium on accepted conditions
    • Zero to €6,700
    • Morgan Price Health Insurance - Evolution Health
    • Elite
    • Europe/Worldwide excluding USA & Asia/Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$ 2,000,000
    • limits apply
    • limits apply
    • limits apply
    • Waiting periods apply - 12m for psychiatric, wellness, infertility benefits, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme
    • €£/$ 100 / 250 / 500 / 1,000 / 2,000
    • NOW Health
    • Advance
    • Worldwide excl USA
    • Optional
    • 79
    • €,£,$
    • € 2,800,000
    • (available on higher plan)
    • (available on higher plan)
    • Immediate
    • Moratorium
    • Zero to €2,000

Key points of the providers we work with

Who is it for?

ALC Health Insurance is for individuals, families and groups from across the world reflecting the lifestyle of today's expatriate and global citizen. 

At a glance

Established in 2001.
Head office is in the UK with European offices in Marbella (Spain) and Gibraltar.
Four different products on offer.
Plans on offer: Prima Concept, Prima Classic, Prima Premier and Prima Platinum.

  • Established in 2001.
  • Head office is in the UK with European offices in Marbella (Spain) and Gibraltar.
  • Four different products on offer.
  • Plans on offer: Prima Concept, Prima Classic, Prima Premier and Prima Platinum.

Key Points

  • Choice of three areas of cover:  Europe, Worldwide excluding USA and Worldwide.
  • Choice of currencies:  sterling, euro, US dollar.       
    Choice of excess levels.
  • Concept - low cost plan covering a limited amount of hospital and out-patients cover.
  • Classic - a comprehensive policy with generous limits for both hospital and outpatient costs.  Health checks are included after the first year.
  • Premier - hospital cover with higher overall limits than Classic, with the option of adding on outpatient costs including health checks.
  • Platinum - top of the range policy with extremely high annual limits for hospital and out-patient treatment including health checks.
  • Evacuation and Repatriation can be added to all plans.
  • Pregnancy and Dental can be added to all plans except Concept.

Who is it for?

ASSSA health care is for individuals, families, companies and groups in Portugal. Specialists in the Expats market with English speaking customer service staff along the Mediterranean Coast.

At a glance

  • Established in 1935
  • Head offices in Alicante, Madrid and Barcelona.
  • Five different plans: Basic, Standard, Plus, Master and Summum.

Key Points

  • Guaranteed cover for life.
  • Age you join is the age you stay.
  • After sales service with English speaking staff.

Who is it for?

This cover is designed for people during their working life who need cover in Europe or Worldwide and the retired who wish to have a choice of hospitals and doctors in Europe as well as their own country.

At a glance

  • AXA PPP Healthcare was established in 1940 and has grown to become one of the largest health insurers in the UK.
  • AXA PPP International formed in 2009 reflecting their significant growth overseas.
  • Plans on offer:
    International Health Plan (IHP) with 4 levels of cover
    European Health Plan (EHP) with 3 levels of cover

Key Points

  • The International Health Plan
  • Two areas of cover: Worldwide and Worldwide Excluding USA
  • Choice of currencies:  sterling, euro and US dollar
  • Standard Plan – Hospital only cover
  • Comprehensive Plan – as it says this gives good overall comprehensive cover for hospital and out-patient, including GP, complementary treatment, vaccinations, drugs and dressings, optical and a limited amount of dental as well as cover for chronic conditions.
  • Prestige Plan – as Comprehensive but with higher limits and the addition of pregnancy, annual health checks and travel insurance.

European Health Plan

  • European cover
  • Three levels of cover
  • Basic plan with limited hospital cover on each level
  • €25 / £20 compulsory excess for doctor consultations
  • Choice of currencies: sterling and euro

Repatriation and Evacuation included on all AXA PPP plans
Choice of voluntary excess on all plans.

Who is it for?

Caser offer insurances for the Expats living in Portugal. Discover one of the most complete health insurance in Portugal, with the best professionals and adapted service in English for expatriates.

At a glance

  • Established in 1942.
  • Head office is in the Madrid.
  • Member of The Eurapco Alliance which is a unique and strong partnership of leading European mutual insurance companies.
  • Private, personal and business products on offer.

Key Points

  • Terms and conditions in various languages.
  • Expatriate support helpline in English.
  • Multi-product company including private medical.
  • Optical, pharmacy and dental included as standard in the co-payment products.
  • Emergency treatment abroad included on all health policies.
  • Multi-cultural expatriate team.

Who is it for?

DKV Health Insurance is for individuals, families and groups from across the world reflecting the lifestyle of today's expatriate and global citizen.

At a glance

  • Established in Portugal.
  • Head office is in Zaragoza.
  • Different products on offer
  • Underwritten by DKV

Key Points

  • Choice of doctors inside and outside of Portugal.
  • Choice of excess levels.
  • DKV Integral complet, plus and classic - low cost plans covering the 3 levels of medical assistance (primary care, specialists and diagnostic aids, hospitalization and surgery) with 3 levels of excess
  • DKV Integral Elite - covering the 3 levels of medical assistance without any excess.
  • DKV Mundisalud complet, plus, classic and elite covers the 3 levels of medical assistance inside or outside Portugal according to different limits: 62.000€, 100.000€, 217.000€ and 300.000€ per person per year

Plans on offer:

DKV Integral: primary care, specialists, diagnostic aids, emergency care, hospital care and surgery. Includes additional worldwide emergency care insurance. Everything is covered and you decide which doctor or which hospital in DKV health care network to go to.

DKV Mundisalud: the mixed refund insurance policy offers you freedom, flexibility and a wide range of health coverage:

  • if you use doctors or hospitals in DKV medical directory, DKV covers all the costs, except for prosthesis with an annual limit of 12.000€
  • if you use doctors and hospitals that are not included in the DKV medical directory they refund the expenses: 90% of expenses for acts carried out abroad and 80% (or 90% in the case of Mundisalud Elite) for treatments in Portugal.

Who is it for?

Morgan Price Health Insurance - Evolution Health is for all types of expatriates whether individuals, families, groups or even large corporations. Offering a wide variety and range of products to suit all individual needs and requirements.

At a glance

  • Established in 1999.
  • Head office is in the UK with Worldwide offices in Dubai and Hong Kong.
  • Underwritten by ASTRENSKA INSURANCE LIMITED.

Key Points

  • Standard - In-patient only plan except for cancer when out-patient is included. Good coverer for hospital admissions. 
  • Standard Plus - Competitively priced plan offering good levels of cover for in-patient with limited out-patient coverage.  
  • Comprehensive - Excellent mid-range plan offering good levels of cover for both in and out-patients, including dental.
  • Premium - Superior plan offering maternity, dental, optical and hearing test plus in-patient and enhanced out-patient coverage.  
  • Elite - Top of the range plan offering greater levels of cover many on full refund including enhanced maternity cover.

Who is it for?

Now Health is a specialist international health insurance provider for individuals and families living abroad.

At a glance

  • Relatively new health insurer.
  • Four different products to choose from: Essential, Advance, Excel and Apex
  • Two different areas of cover: Worldwide and Worldwide excluding USA
  • Underwritten By AXA PPP

Key Points

  • All plans have a high annual overall limit
  • Essential Plan – lowest cost plan covering hospital and day-patient care.
  • Advance Plan – Cover for hospital and out-patient care including GP and specialist consultation, physiotherapy and alternative therapies.
  • Excel Plan Similar to Advance but at higher benefit levels than Advance, including routine and complex dental after a 9 month waiting period.
  • WorldCare Apex top of the range plan with very high benefit limits and including maternity after a 10 month waiting period.

Online plan management for fast processing of claims.

Who is it for?

Worldwide Health option plan is a flexible health insurance for groups or individuals and families which enables them to create a bespoke plan by adding extra options to the core cover.

At a glance

  • BUPA International (now called BUPA Global) is well established in and its name and has dominated the worldwide health insurance market over the years.
  • Their Worldwide Core plan is a modular plan that allows you to mix and match optional covers to suit your needs.
    Area of cover is worldwide including or excluding the USA.

Key Points

Worldwide Medical Insurance – hospital cover with a high annual limit and includes all surgery, cancer treatment and advanced imaging. It includes hospital charges for maternity.

Choice of excess levels.

Then you can add-on:

  • Worldwide Medical Plus – outpatient doctor and specialist consultations including complementary therapies.
  • Worldwide Medicines and Equipment – prescription medicines and rental of medical appliances.
  • Worldwide Wellbeing – health screenings, vaccinations, dental and optical treatment
  • Worldwide Evacuation and Repatriation

Pre-existing conditions will be considered for outside of USA.
Choice of currencies: sterling, euro and US dollar.

Interested in getting a quote?

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