Claim for reimbursement of medical expenses from a health insurer (Spain)
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This document is in Spanish
The PDF you download is in Spanish — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
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A Spanish letter, in Spanish, for a person covered by a private health insurance policy with expense reimbursement in Spain who has paid for a consultation, a test or a treatment and wants back what the policy covers. It claims the refund from the insurer under Article 105 of the Spanish Insurance Contract Act, lists the care, the invoices, the amount and the IBAN, and asks for any refusal to be explained in writing. Send it by certified post, burofax or the insurer's customer area. It holds health data, so it is sold blank and filled in by hand.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- You paid a private specialist in Spain and your health insurance should refund part of it.
- The insurer has not reimbursed the invoices you sent weeks ago.
- You had tests at a clinic outside the insurer's network and want the refund your policy covers.
- You want to claim back medical expenses from your private health insurer in writing.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's DNI or NIE (Spanish identity number)
- Insurer
- Private health insurer's postal address
- City
- Date
- Policy number
- Insured person who received the care
- Period or episode of care (dates, department)
- Doctor or centre that provided the care
- Invoices (number, date, item and amount of each)
- Total amount to be refunded (euros)
- IBAN
- Attachments
Common questions
- What can I do if a Spanish health insurer refuses the refund?
- Ask in writing for the reason and the clause. If you disagree, complain to the insurer's customer service department. If it rejects the complaint or does not answer, you can turn free of charge to the complaints service of Spain's Directorate-General for Insurance and Pension Funds (DGSFP), whose report does not bind the insurer. Before a civil claim in court, a prior attempt to negotiate is required (Spanish Organic Law 1/2025).
- Will the Spanish public health service refund what I paid a doctor in another EU country?
- Not with this letter. What you paid in another EU country with the European Health Insurance Card is claimed free of charge from Spain's INSS, at its offices, with the original invoices; planned cross-border care under Spanish Royal Decree 81/2014 is claimed from your region's health service. You do not need DocMuse for these steps. In Spain the public service provides care directly and does not refund a private consultation, except urgent life-saving care received outside it because it could not be used (Article 4.3 of Spanish Royal Decree 1030/2006).
- Which documents do I enclose, and how fast must a Spanish insurer pay?
- The policy sets the deadline for sending invoices and the documents it requires (itemised invoice, prescription, medical report). If the insurer does not pay within three months of the claim event without good reason, the Spanish Insurance Contract Act charges it late-payment interest (Article 20 of Law 50/1980). Send the letter by a traceable means: certified post, burofax or the insurer's customer area.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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