Healthcare as the #1 concern for retirees
For many retirees moving abroad, healthcare is a top priority. Spain consistently ranks among the best healthcare systems in the world, offering quality care at affordable costs.
But how does it work for retirees from the UK, the Netherlands or other countries? Let’s explore the options, pros and cons, and what expat retirees need to know.
🏥 Public healthcare for retirees
- EU retirees (Dutch, German, etc.) → usually covered through bilateral agreements (using the S1 form).
- UK retirees (post-Brexit) → access may depend on residency status and agreements, but many still qualify via S1.
- Once registered, retirees get a health card (Tarjeta Sanitaria) for free or low-cost care.
💶 Private healthcare: why many retirees choose it
- Monthly insurance costs: €60–150 depending on age and coverage.
- Advantages:
- Shorter waiting times.
- More English/Dutch-speaking doctors.
- Greater comfort for chronic conditions or regular check-ups.
👍 Pros of healthcare in Spain for retirees
- Excellent hospitals and doctors.
- Lower costs compared to Northern Europe.
- Wide availability of specialists.
- Affordable medications.
👎 Cons or challenges
- Bureaucracy to register (especially for non-EU retirees).
- Waiting times in the public system.
- Language barriers in smaller towns.
🌍 Why Castellón is ideal for retired expats
- Quieter hospitals, less crowded than Costa del Sol.
- High-quality clinics in Vinaròs, Castellón, Valencia.
- Affordable private insurance compared to Barcelona or Málaga.
- Peaceful lifestyle, good for long-term health and wellbeing.
✅ Practical tips for retirees
- Bring all medical records translated into Spanish.
- Apply for the S1 form before leaving your country.
- Consider hybrid coverage: public for emergencies, private for regular visits.
- Learn basic medical Spanish phrases.
- Choose towns with international clinics (Castellón and Valencia have several).
✨ Conclusion
Retiring in Spain is not just about sunshine—it’s about peace of mind. With one of the best healthcare systems in Europe, Spain is a safe choice for retirees.
At Sunny Spain Realty, we don’t just help you buy a home. We guide you through healthcare, insurance and all the details that make retirement abroad stress-free.
Ready to buy safely in Spain? Contact us today for independent advice and a free consultation.
Newsletter
👉 Thinking about retiring in Spain?
📩 Join our free newsletter here and get practical advice directly to your inbo