The Spanish Health Service
There are options available to you if you and your family have recently moved to Spain or are preparing to do so. The Spanish Health Service has a reciprocal agreement with theUK, but you cannot simply arrive without the required health cards in place and expect to receive treatment as you potentially could in the UK with the NHS.
The options available are as follows and will depend on your own personal circumstances:
EHIC – (European Healthcare Insurance Card)
The better-known E111 health card was replaced by the EHIC (European Health Insurance Card) in January 2006. The current EHIC card allows you to receive emergency treatment when you visiting other European countries and as such can be used temporarily in Spain, however it cannot be used to provide continuing treatment or if you are a permanent resident in Spain.
Please note that if you have children, then they will also need to be included in your application with each member your family receiving their own EHIC card. All EHIC cards are valid for 5 years and at which time will need to be renewed.
Application forms are available from the NHS website, more information here: http://www.nhs.uk/nhsengland/healthcareabroad/ehic/pages/about-the-ehic.aspx
You can also apply for a EHIC card by obtaining a form at your local Post Office branch: http://www.postoffice.co.uk/health-insurance-card or by calling the NHS directly on 0845 606 2030
S1 Certificate (Replaces existing E106 / E121 forms)
Should you be relocating from the UK to Spain and you have not yet reached the official retirement age at the time, one option is to apply for an S1 certificate (formerly E106). Upon receipt of this certificate, you will be entitled to a maximum of 2 years of treatment on a reciprocal arrangement, dependant on your UK contribution history. However, it is not unusual for Expats to experience some delays in receiving these certificates and for this reason many decide that it is simply easier to take out private health insurance. There is also a further consideration to take into account, which is that once you have moved from the UK for a period of 3 months, then if you have also been issued an S1 certificate, you are not entitled to use the NHS free of charge unless you can prove that you are returning permanently to the UK. At the same time, once the period of entitlement in Spain expires, you will not then receive free medical treatment in Spain either.
The new S1 certificate also replaces the existing E121 form for pensioners moving to Spain and entitles you to treatment through the Spanish medical system.
The S1 application can be done via the International Pension Centre (IPC)https://www.gov.uk/international-pension-centre on +44 (0)191 218 7777 or +44 (0)191 218 7280. Or The Pension Service at https://www.gov.uk/contact-pension-service – 08456 060 265 or by contacting the Overseas Healthcare Team on 0191 218 1999
Registering for healthcare in Spain?
Although it is possible to register yourself in the Spanish Health Service, there are a number of steps required, not least of which are the requirements to be resident and also to be making social security contributions as a result of undertaking paid employment in Spain.
As a result, it is very common for Expats to take out private medical insurance, not just for medical care itself, but also for ambulance and dental services as well. If you think that you may fall into this category, it would be wise to take insurance sooner rather than later, so that you do not risk being uninsurable for medical problems which arise over the course of time.