Health Insurance Premiums Rise 19% in Spain Amid Digital Healthcare Growth in 2025
Spain's private health insurance premiums rose 19% in 2025 amid growing consumer demand for faster, personalized, and digital healthcare services.
- • Health insurance premiums increased by 19% in Spain in 2025 compared to 2024.
- • Despite higher costs, policy subscriptions grew by 13%, with 41% of Spaniards insured for easier specialist access.
- • Digital healthcare, including telemedicine and mobile apps, is reshaping service delivery in private insurance.
- • Insurers offer personalized, modular policies and services addressing mental health and senior care.
Key details
In 2025, Spain has witnessed a significant 19% increase in private health insurance premiums compared to 2024, driven by rising living costs, healthcare expenses, and inflationary pressures. The average monthly premium for basic private health insurance without copayments now stands at 46 euros, while comprehensive plans average 74 euros, according to the Health Insurance Price Index by Rastreator.
Despite rising costs, demand for private health insurance is robust, with a 13% year-on-year growth in policy subscriptions. Currently, 41% of Spaniards have purchased health insurance in the past year to gain quicker access to specialists and avoid long public healthcare wait times. A notable trend is the growing uptake among younger professionals and freelancers who view private coverage as an investment in well-being and productivity.
Driven by consumer demand for personalized services, insurance companies are increasingly offering modular policies, telemedicine coverage, and family plans aided by digital tools for price comparisons. Telemedicine has become a transformative element of healthcare access in Spain; companies like MAPFRE provide medical apps enabling teleconsultations, digital medical reports, and mental health therapy sessions remotely. This digital shift also addresses mental health challenges, including support for victims of bullying and gender violence, while promoting injury prevention services aligned with rising sports participation.
Recognizing demographic shifts, insurers have introduced services like MAPFRE's Savia Silver, combining in-person and virtual care tailored to seniors with features such as video consultations and multilingual support.
Experts forecast continued premium increases in 2026, albeit at a slower rate, as the sector balances rising costs with the demand for quality, speedy healthcare access. This evolving landscape signals a deeper integration of digital health solutions with personalized insurance offerings, shaping the future of private healthcare in Spain.
This article was synthesized and translated from native language sources to provide English-speaking readers with local perspectives.
