If you’re starting out in Spain as an autónomo (self-employed) or running a small company, medical insurance comes up from two sides: for your own residency and for your team.
For yourself: residency and access to care
When obtaining residency through an entrepreneur or business visa, you need a no-co-payment medical policy with a certificate — the same requirements as other visas. And for an already-working autónomo, private insurance is simply convenient: fast access to doctors without queues, which matters when time is money.
For the team: group policies
Employees can be covered by a corporate (group) policy. It is:
- an attractive perk for the team;
- single management instead of separate policies;
- terms that depend on the number of employees.
What to consider
- Visa type — it determines the policy requirements.
- How many people you’re insuring — this drives the group-policy cost.
- Tax details — whether the insurance counts as an expense is best checked with your gestor; we help with choosing the policy itself.
For an autónomo applying for residency, the same rule applies: the policy must have no co-payments and come with a certificate.
Need to insure yourself or your team on Tenerife? Ask in the chat — we’ll find a suitable option and calculate the cost for free.