Gibraltar Health Insurance for Expats

International Health Insurance for Expats in Gibraltar

Expats should secure international health insurance for their time in Gibraltar to avoid long wait times and for access to high-quality medical care. While some expats staying in Gibraltar may qualify for the public health insurance, most expats staying short-term won’t. 

Are you planning a trip or moving to Gibraltar? You’ll want to ensure you have proper health insurance coverage for your time in the British territory. The insurance experts at Pacific Prime have compiled this guide to health insurance for expats in Gibraltar.

We will discuss the country’s healthcare system, international health insurance providers, and more. We will also share resources for visitors in Gibraltar. Keep reading to learn more, or click here for a free health insurance quote!

Recommended International Health Insurance Plans for Expatriates Living in Gibraltar

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $5,000,000

Plan Details Get a Quote

The Healthcare System in Gibraltar

Gibraltar’s healthcare system is composed of public and private healthcare facilities, with the publicly funded healthcare overseen by the Gibraltar Health Authority (GHA). The healthcare system is closely modeled after Britain’s NHS (National Health Service). 

Gibraltar’s healthcare is considered high quality and meets the standards of care found in most Western European countries. Medical practitioners speak English in Gibraltar as it is the official language, but many also speak Spanish. 

Gibraltar Public Hospitals and Clinics

Gibraltar has one public hospital, the Saint Bernard’s Hospital. Operated by the Gibraltar Health Authority, Saint Bernard’s is also a teaching hospital. The public hospital in Gibraltar is well stocked and provides primary, secondary, and mental health care for locals and expats. 

Saint Bernard’s Hospital offers both inpatient and outpatient treatment for expats and locals in Gibraltar. The hospital has 212 beds. The specialties and facilities provided by the hospital are:

• Maternity ward
• Radiology
• Pathology
• Rehabilitation
• Critical care unit
• Pediatric ward
• And more

Saint Bernard’s Hospital

Address: Harbour Views Rd, Gibraltar GX11 1AA, Gibraltar

Phone: +350 200 79700

Gibraltar Private Hospitals and Clinics

Gibraltar has several private healthcare facilities that provide excellent care to expats and locals in the British territory. These private hospitals and clinics accept a variety of private international health insurance providers and offer shorter waiting times than public healthcare facilities. 

GibMed International Hospital

Address: ICC Building Casemates Square, Floor 2 Main St, Gibraltar GX11 1AA, Gibraltar

Phone: +350 200 49999

The GibMed International Hospital was the first private hospital in Gibraltar, and all of its medical staff are registered with the Medical Registration Board in Gibraltar. 

The hospital provides Gibraltar’s first MRI scanner, Densitometry machine, and private CT scanner. The hospital also includes specialities and facilities like: 

• Primary care center 
• Imaging and diagnostics
• Dermatology
• Orthopaedic surgery and pain management
• Urology
• Ear, Nose, and Throat
• Mental health and wellbeing services
• Ophthalmology
• Women’s Health

MidTown Clinic

Address: Retail Unit No. 1.00, Ground Level / Providence, MidTown / Queensway / Gibraltar

Phone: +350 200 62222

MidTown Clinic is located in the center of Gibraltar and offers prestigious healthcare professionals with over 15 years of experience. The specialists and medical professionals at the clinic are all fully registered with the Gibraltar Medical Registration Board (GMRB).

MidTown Clinic offers the following specialties and facilities: 

• Cardiology
• Chiropractic
• Clinical Oncology
• Colorectal Surgery
• Dermatology
• Dentist
• ENT
• Gastroenterology
• General Practice
• General Surgery
• Gynaecology
• Neurology
• Orthopaedic surgery
• Osteopathy
• Pediatrics
• Physiotherapy
• Podiatry
• Psychiatry and Psychology
• Radiology
• Urology
• Vascular Surgery
• And More

Health Insurance Options in Gibraltar for Expats

Expats in Gibraltar have the option of choosing a private health insurance plan for their time in Gibraltar, or they can choose to apply for the state health insurance if they qualify. The state health insurance has its own requirements to determine if an expat is eligible. 

Public Insurance in Gibraltar for Expats

The public health insurance in Gibraltar, the Group Practice Medical Scheme (GPMS) is funded through taxation and social security contributions. Residents and citizens can apply for the GPMS through the Gibraltar Health Authority. 

Some expats staying long-term in Gibraltar can access the GPMS. Expats may be able to qualify for the GPMS if they meet the following requirements: 

• They have a valid residence permit
• They are a UK citizen
• They pay social security contributions toward the GPMS

The GPMS covers most medical services, but not all. Dental treatments are not free, and prescription drugs are not either. For this reason, many expats who qualify for GPMS prefer to have a private health insurance plan as a supplement to their coverage. 

Anyone with a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC) can also receive free medical care while in Gibraltar. 

Private Insurance in Gibraltar for Expats

Private health insurance can help cover the cost of healthcare services in Gibraltar and grant expats access to private hospitals and clinics. Without private health insurance, expats are left to pay for their healthcare out of pocket, which can add up quickly. 

Private health insurance can cover a variety of healthcare services, such as: 

• Inpatient and day patient treatment
• Surgical costs
• Physician visits
• Mental health treatment 
• Vaccinations
• Prescription drugs
• Medical evacuation and repatriation
• Repatriation of remains
• Dental and vision coverage
• Maternity coverage

Expats in Gibraltar can secure a private health insurance policy through an international or local insurance provider. International insurance providers offer the benefit of globally portable coverage, so you can visit neighboring European countries like Spain and stay protected.

Best International Health Insurance Providers in Gibraltar

The best private insurance providers for expats in Gibraltar are offered by international health insurance providers Allianz, April International, AXA, Cigna Global, and Bupa. We will share a brief overview and highlight these providers’ plans in the following sections.

If you’d like to learn even more about the top international health insurance providers, check out our article guide here!

Allianz Health Insurance in Gibraltar

Allianz offers comprehensive insurance plans in Gibraltar to fit a variety of expats’ needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad. 

The plans offered by Allianz include the Care, Care Plus, and Care Pro plans. While each of these plans may differ in coverage limits and benefits, they share similar benefits as listed below:

• Inpatient treatment
• Surgical costs
• Cancer treatment
• Diagnostic services
• Medical evacuation coverage

Plan Details Get a Quote

April International Health Insurance in Gibraltar

April International is a leading international insurance provider that offers affordable, comprehensive coverage to expats in Gibraltar.

They offer their health benefits to expats in different tiers of coverage through their Emergency Plan, Formule Basic, Essential Plan, Comfort, and Premium Plan.

April International offers a variety of benefits in its plans, including:

• Inpatient treatment
• Outpatient treatment
• Emergency repatriation
• Emergency medical evacuation
• Maternity, dental, and vision coverage

Plan Details Get a Quote

AXA Health Insurance in Gibraltar

AXA is a leading international health insurance provider that insures expat individuals and families in Gibraltar. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.

Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.  

The core benefits included in all five plans are:

• Hospitalization and surgery
• Emergency medical coverage
• Medical evacuation and repatriation
• Cancer treatment
• Diagnostic scans

Plan Details Get a Quote

Cigna Global Health Insurance in Gibraltar

Cigna provides flexible insurance plans to expats in Gibraltar and across the world. They offer their members 24/7 access to a customer care team and access to any of Gibraltar’s private healthcare facilities. Their plans are customizable and comprehensive. 

Cigna has a Silver, Gold, and Platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:

• Hospitalization
• Inpatient and outpatient services
• Cancer treatment
• Medical evacuation and repatriation
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

Bupa Global Health Insurance in Gibraltar

Bupa Global is a top international insurance provider for expats in Gibraltar looking for comprehensive and customizable coverage. Bupa Global allows its members to seek second medical opinions if needed and requires no referrals for specialist visits.

Bupa Global offers three international health insurance plans in the islands: Bupa Select, Bupa Premier, and Bupa Elite. Bupa Select offers the most basic and affordable coverage, while Bupa Elite offers the most comprehensive coverage with an annual limit of around USD $4,761,300. 

Bupa Global covers the following benefits in its plans:

• Inpatient treatment
• Cancer treatment
• Private hospital room coverage
• Medical evacuation coverage
• Health checks and screenings

Plan Details Get a Quote

Facts to Consider When Picking Insurance in Gibraltar

You should consider your budget, how long your trip is, and what your coverage needs are when choosing a health insurance plan for Gibraltar. Considering these factors is an important step to finding the right private health insurance plan for you. 

1. Your Budget: You should understand how much you can afford in monthly or yearly premiums, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
2. The Length of Your Trip: How long your trip to Gibraltar is will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive, like an international health insurance plan.
3. Your Coverage Needs: Do you plan on needing outpatient care for your time in Gibraltar? Or preventative care? Take the time to determine where you may need additional medical support to ensure you have the right coverage for your health needs.

Health and Safety Tips for Expats and Travelers in Gibraltar

Expats and travelers can stay safe in Gibraltar by watching out for terrorism, avoiding petty crime, and avoiding contaminated water. We will discuss these safety tips more below: 

• Watch Out for Terrorism: There is a rising risk of terrorism in the UK and British territories, so expats in Gibraltar should take care in avoiding any political demonstrations. 
• Avoid Petty Crime: Expats can avoid petty crime in Gibraltar by not leaving their bags unattended in restaurants, parked cars, and hotel lobbies. Expats should be aware of pickpocketing and theft of cell phones, watches, and jewelry, and should only use licensed taxi cabs.
• Avoid Contaminated Water: There is a risk of Leptospirosis in Gibraltar, which expats and visitors can avoid by only drinking safe water, avoiding swimming in fresh water, and avoiding contaminated soil. 

Emergency Resources in Gibraltar

Expats can dial 999 for all emergencies in Gibraltar. The number 999 is used for all emergency needs, from medical to police and fire departments. 

Conclusion: Compare Plans and Quotes Now

Expats are recommended to secure private health insurance for Gibraltar to keep themselves protected and to provide peace of mind. Medical facilities in Gibraltar are high-quality and generally on par with Britain and other Western European countries.  

Looking for a private health insurance plan for Gibraltar? Expats can find coverage through international health insurance plans. Pacific Prime is partnered with a wide variety of international health insurance providers, and can help you find the best fit for your needs. 

As a global health insurance broker who specializes in expat health insurance, Pacific Prime can offer a wealth of professional expertise and services. Our tailor-made policies suit every budget and health care need for expats and travellers across the world.

Contact Pacific Prime to discuss, free of charge, a range of Gibraltar health insurance services available for you, your loved ones, or your group. To get a no-obligation, free price comparison quote, visit our website today!

Frequently Asked Questions: 

Do expats qualify for free healthcare in Gibraltar?

Expats can qualify for free healthcare in Gibraltar only if they are staying long-term and have a valid residence permit. Expats staying short-term and visitors will need to have their own private health insurance or pay out-of-pocket for their medical services. 

Do you need health insurance to visit Gibraltar?

While health insurance is not required to visit Gibraltar, it is highly recommended to protect your finances and provide peace of mind. If you have a medical emergency in the British territory and don’t have health insurance, you will have to pay the full cost of the bill out of pocket.