Healthcare for Americans Living in Mallorca: Complete Insurance & Medical Guide
One of the biggest concerns for Americans considering a move to Mallorca is healthcare. The good news: Spain's healthcare system consistently ranks among the best in the world, and Mallorca offers excellent medical facilities.
Medicare Does NOT Work Abroad
First, the critical fact: Medicare does not cover healthcare outside the United States (with very limited exceptions for emergencies near US borders). If you're relying on Medicare, you'll need alternative coverage in Spain.
Spanish Public Healthcare (Seguridad Social)
Spain's public healthcare system is excellent and available to:
- Legal residents who pay into the system through employment or self-employment
- Retirees who can apply for the "convenio especial" (special agreement) for €60-157/month depending on age
- EU citizens with an EHIC card (not applicable to Americans)
What Public Healthcare Covers
- General practitioner visits
- Specialist consultations (with referral)
- Hospital care and surgery
- Prescription medications (with co-pay)
- Emergency services
Private Health Insurance Options
Many Americans in Mallorca choose private insurance for:
- Faster access to specialists
- English-speaking doctors
- Modern private hospitals
- No referral requirements
Recommended Private Insurers
- Sanitas - Wide network, good for families
- Adeslas - Comprehensive coverage, competitive pricing
- DKV - Strong international coverage
- Cigna Global - US company with worldwide coverage (good for frequent travelers)
Cost: Expect €100-300/month depending on age and coverage level.
Hospitals in Mallorca
Public Hospitals
- Hospital Universitario Son Espases - Main public hospital, excellent emergency services
- Hospital Son Llàtzer - Second major public hospital
Private Hospitals
- Clínica Rotger - Premium private hospital in Palma
- Hospital Quirónsalud Palmaplanas - Part of major Spanish hospital group
- Juaneda Hospitals - Multiple locations across the island
Prescriptions & Pharmacies
Pharmacies (farmacias) in Spain are well-stocked and pharmacists can advise on minor ailments. Many medications requiring prescriptions in the US are available over-the-counter in Spain.
Our Recommendation
For Americans moving to Mallorca, we typically recommend:
- Obtaining private health insurance immediately upon arrival
- Registering for the convenio especial if eligible
- Keeping a US-based travel insurance policy for visits home