Insurance Plans for Gig Workers in Spain

Spain's public healthcare is excellent, but gig workers benefit from private supplementary coverage. The DGSFP regulates the sector. Understanding health, life, accident, vehicle, and professional insurance options helps Spanish gig workers build comprehensive protection.

1. Sanidad Pública — Public Healthcare

Universal healthcare through RETA contributions

Free comprehensive coverage. Includes primary care, specialists, hospitalization, emergency, maternity, medications (40-60% co-pay). Ranked among world's best. Wait times vary by region.

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Ministry of Health: https://www.sanidad.gob.es/

2. Private Health Insurance

Faster specialist access

Major providers: Sanitas, Adeslas, ASISA, DKV, Mapfre. Premiums EUR 40-150/month. Autónomos can deduct premiums as business expense (up to EUR 500/person/year).

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Sanitas: https://www.sanitas.es/

3. Life Insurance

Death benefit protection

Major providers: Mapfre, VidaCaixa, Zurich, Allianz. Term premiums from EUR 8-20/month for EUR 100,000. Tax-deductible for autónomos.

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Mapfre: https://www.mapfre.es/

4. Accident Insurance

Personal accident coverage

Premiums from EUR 50-200/year. Ley Rider improved coverage for platform delivery workers. Personal PA extends beyond platform-provided coverage.

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AXA Spain: https://www.axa.es/

5. Motor Insurance

Mandatory vehicle insurance

RC obligatorio (mandatory liability). Comprehensive optional. VTC drivers need professional transport insurance. Comparison: Rastreator, Acierto.

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Rastreator: https://www.rastreator.com/

6. RC Profesional

Professional liability

Mandatory for regulated professions. Premiums EUR 150-1,000. Deductible for autónomos. Providers: Hiscox, AXA, Zurich.

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Hiscox Spain: https://www.hiscox.es/

7. Dental Insurance

Essential supplement to limited public dental

Public system covers extractions only for adults. Private dental: Sanitas, Adeslas, DKV. Premiums EUR 8-30/month. Covers cleanings, fillings, root canals, orthodontics.

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Sanitas Dental: https://www.sanitas.es/

8. Income Protection

Supplement Social Security disability benefits

Private products top up incapacidad temporal benefits (60-75% of base). Essential when actual income exceeds declared contribution base.

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Mapfre: https://www.mapfre.es/

9. Home Insurance

Property and contents protection

Covers fire, water, theft, natural disasters, liability. Equipment endorsements for gig workers. Premiums EUR 150-400/year.

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Línea Directa: https://www.lineadirecta.com/

10. Travel Insurance

International travel coverage

EHIC/TSE covers EU/EEA. Essential outside Europe. Annual multi-trip EUR 50-200. Providers: Mapfre, Allianz Travel, Europ Assistance.

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Europ Assistance Spain: https://www.europ-assistance.es/

Disclaimer: This guide is for informational purposes only. Always consult a licensed insurance advisor in Spain for personalized recommendations. Links verified as of April 2026.