What the public SNS covers
If you're working (paying social security) or hold a Convenio Especial (~€60–€157/month based on age), you get: GP, all hospital care, surgery, oncology, maternity, mental health, prescriptions at 40–60% discount. Quality at Hospital Costa del Sol (Marbella) and Hospital Quirónsalud (public-private) is high. Waiting lists for non-urgent specialists: 3–10 weeks.
What private adds
Same-week specialist appointments, English-speaking doctors at all major clinics, hospital choice (Quirón, HC Marbella, Vithas), private room comfort, faster diagnostics.
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Start matching2026 premiums (Costa del Sol)
| Age | Adeslas | Sanitas | DKV |
|---|---|---|---|
| 35 | €55 | €68 | €58 |
| 50 | €82 | €95 | €87 |
| 65 | €148 | €165 | €152 |
| 70+ | €240+ | €265+ | €245+ |
Most expats run both
Keep SNS for major events (surgery, oncology), private for daily access. Combined cost a fraction of UK private equivalent. See Marbella healthcare guide.
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Areas in this article
- Marbella guide6,800 €/sqm · +9.2% YoY
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