Complete Guide to Insurance for Foreign Residents in Murcia [Updated 2025]

Introduction: Murcia, preferred destination for foreign residents

The Region of Murcia has established itself as one of the most attractive destinations for the international community in Spain, hosting 250,745 foreign residents representing 15.8% of the total population. With 146 different nationalities coexisting in the region and a particularly favorable tax framework, Murcia offers unique opportunities for those who decide to establish their residence here.

However, navigating the Spanish insurance system as a foreigner can be complex. Each type of visa, nationality, and personal situation presents specific requirements that are essential to understand in order to comply with regulations and optimize both protection and tax aspects.

At the Antonio Martínez Ballester Agency, exclusive Allianz agent in Murcia, we have developed a specialization in advising foreign residents, helping them find the most suitable insurance solutions for their particular situation. This guide, updated for 2025, contains all the essential information you need to know.

Legal framework: tax residency and its implications

When are you a tax resident in Spain?

Spanish tax residency is determined by two main criteria:

• Permanence exceeding 183 days during the calendar year (not necessarily consecutive)

• Location of the center of economic activities in Spanish territory

This distinction is crucial because it determines your tax obligations and, therefore, the advantages you can obtain from certain types of insurance.

Tax differences: residents vs non-residents

Tax residents pay taxes on their worldwide income in Personal Income Tax with progressive rates from 19% to 47%, but have access to deductions, reductions and the special expatriate regime (24% flat rate for six years). Non-residents pay flat rates of 24% (non-EU) or 19% (EU) only on Spanish income, without access to most tax benefits.

Valid double taxation agreements

Spain maintains double taxation agreements with more than 100 countries, highlighting:

• United Kingdom: Maintains full validity post-Brexit

• Germany: Renegotiated in 2011 with favorable conditions

• France: Special coordination due to geographical proximity

• Netherlands and Italy: Advantageous conditions for pensioners

These agreements prevent double taxation and facilitate the exchange of tax information between administrations.

Specific tax advantages of Murcia for foreigners

Inheritance Tax: the most favorable community

Murcia offers 99% bonus on Inheritance and Gift Tax for groups I-II (descendants, spouses, ascendants), placing it among the most favorable communities in Spain. This is especially relevant for foreigners planning family asset transfers.

Regional Personal Income Tax deductions 2025

The 20 Murcian regional deductions include specific novelties for 2025:

• Rural internet (15% up to €300)

• Language teaching (15% up to €300)

• Support for single-parent families

• Nursery expenses (15% up to €250)

These deductions are especially useful for foreign families settling in the region.

Wealth Tax

Murcia presents minimum exemption of €3,700,000 compared to the state €700,000, with additional exemption of €300,000 for main residence. This advantage positions the region as a strategic destination for significant assets.

Insurance requirements by type of residence and nationality

European Union citizens

For temporary stays: The European Health Insurance Card provides access to the Spanish public system.

For permanent residence: Form S1 allows complete access to the Spanish health system, financed by the country of origin during the first years.

Posted workers: Can maintain affiliation to the system of origin through form A1 during temporary postings.

Non-EU citizens

Mandatory private health insurance: All non-EU citizens require private health insurance without co-payments or waiting periods, with coverage equivalent to the Spanish public system.

Specific requirements:

• Coverage of general medicine and specialties

• Complete hospitalization

• 24-hour emergencies

• No limits for pre-existing conditions

• Health repatriation included

Specific cases by visa type

Student visas: Insurance must include all medical specialties and be valid during the entire academic stay.

Non-lucrative residence visas: Require private insurance valid throughout Spanish territory during the entire permit validity.

Family reunification: The sponsor must prove health coverage for all family members.

Specific Allianz insurance for foreigners: complete solutions

Allianz Health: your best health option

Allianz Health offers coverage specifically adapted for foreign residents in Murcia, with more than 51,000 professionals throughout Spain and specialized services:

Exclusive services for foreigners:

• Telephone assistance in multiple languages

• Medical network in Murcian reference hospitals

• Temporary coverage in country of origin up to 90 days annually

• Claims management from abroad

• Allianz Health App with international functionalities

Available modalities:

• Contracted medical network: Direct access without advance payment

• Reimbursement: Total flexibility in choosing professionals

• Dental insurance: Specific dental coverage

Allianz Home: comprehensive protection for your new residence

Properties of foreigners require special considerations that Allianz Home specifically contemplates:

Modalities adapted for foreigners:

Allianz Home Standard: Ideal for occasional use properties

• Fundamental basic coverage

• Simplified management for non-residents

• Specific civil liability for foreign property owners

Allianz Home Complete: The most demanded option by foreigners

• Electrical phenomena (crucial in unoccupied properties)

• Aesthetic damage with greater coverage

• Remote computer assistance

• DIY services

Allianz Home Superior: Maximum protection for established residents

• All accidental risk

• Pest control

• Mobile screen breakage (important for international communication)

Specific services included:

• Claims management from abroad

• Documentation in English when necessary

• Network of professionals specialized in communication with foreigners

• 24/7 home emergencies with multilingual support

Allianz Auto Plus: mobility without borders

Specific advantages for foreigners:

Automatic international coverage: All Allianz Auto Plus insurance includes coverage in European territory without additional restrictions.

Recommended modalities for foreigners:

Allianz Auto Plus Basic + Theft: Ideal for foreigners' vehicles

• Specific protection against theft (higher risk for foreigners)

• Natural phenomena

• Replacement vehicle from the third day

Allianz Auto Plus Comprehensive: Maximum peace of mind for new residents

• Own damage without excess

• Excellent Workshop network with home collection

• Roadside assistance from kilometer 0

Exclusive services:

• Claims management with bilingual documentation

• Traffic fine advice (especially useful for foreigners)

• Specific assistance for license validation

Allianz Life: international family protection

Allianz life insurance offers specific tax advantages and services adapted for foreigners:

Allianz Life Risk Plus - Modalities for foreigners:

Professional Modality: Specific for expatriate professionals

• Total professional disability

• Critical illness with international second medical opinion

• Adapted to high professional incomes

Comprehensive Risk Modality: Maximum protection for international families

• Death from traffic accident (especially relevant for foreigners in adaptation)

• Premium services included

• International beneficiary management

Allianz Constant Life Risk: Stability for long-term planning

• Constant premium throughout the contract life

• Ideal for foreigners planning permanent residence

• Automatic increasing benefits

Specific services for foreigners:

• International beneficiaries: No geographical restrictions

• Capital repatriation: Automatic transfers to any country

• Multilingual documentation: Contracts in English when necessary

• Consular management: Support in international processing

Special considerations by nationality

British citizens post-Brexit

Rights maintained: Residents prior to January 1, 2021 retain rights under the Withdrawal Agreement, including access to the Spanish health system.

Specific Allianz solutions:

• Allianz Health International: Specific coverage for new British residents

• Health repatriation: Included in all modalities

• Consular management: Specific support in post-Brexit documentation

Taxation: The Spain-United Kingdom Double Taxation Agreement maintains full validity despite Brexit, allowing tax optimization with Allianz savings products.

German citizens: bilateral optimization

Specific advantages with Allianz products:

• Allianz Pension Plans: Taking advantage of bilateral agreement for tax optimization

• Allianz FondoVida: Unit Linked with advantages for German residents

• Coordination with German insurance: Possibility to maintain complementary insurance

Specialized services:

• German language advice available

• Documentation adapted to German regulations

• Beneficiary management in Germany

French citizens: cross-border coordination

Adapted Allianz solutions:

• CLEISS coordination: Specialized management for cross-border procedures

• Allianz Health: Compatible with forms S1 and A1

• Bilingual services: French language assistance available

Non-EU citizens: complete solutions

Specific Allianz products:

• Allianz Health without waiting periods: Immediate coverage to meet visa requirements

• Comprehensive documentation: Complete support in processing

• Family reunification: Products designed to cover the entire family unit

Countries with specific agreements such as Argentina, Chile and Brazil allow totalization of contribution periods and use of specific tax advantages with Allianz products.

Advantages of the Murcian insurance market with Allianz

Competitive prices and specialized services

The Murcian market presents specific advantages for foreigners with Allianz products:

Regional competitiveness:

• Prices 5-10% more competitive than the national average

• Specific discounts for Allianz multi-product

• Special conditions for established international community

Exclusive Allianz Murcia services:

• Care network

• Specialized medical centers in Cartagena and Lorca

• Telemedicine for rural districts (important for foreigners in rural areas)

• 24/7 assistance in Spanish and English

Advanced digital management for foreigners

Specific Allianz apps:

• Allianz Auto App: Digital accident report, workshop location

• Allianz Health App: Appointment management, telemedicine, medical network

• Claims management: Complete processing from mobile

Optimized response times:

• Emergencies: Immediate attention

• Standard reports: 48-72 hours

• Compensation offers: Maximum 15 days

Advanced tax aspects: maximize your advantages with Allianz

Allianz savings products for foreigners

Foreigners can significantly optimize through specialized Allianz products:

Allianz FondoVida Plus (Unit Linked):

• Fund changes without taxation

• International diversification

• Specific tax advantages for foreigners

• Professional management adapted to international profiles

Allianz Pension Plans:

• Six modalities according to risk profile

• Specific limits optimized for foreigners

• Taking advantage of double taxation agreements

• Management by teams with international experience

Allianz Flexible Term:

• Guaranteed profitability for conservative planning

• Partial liquidity from the first year

• Tax benefits in survival and death

• Ideal for foreigners in establishment process

Allianz Capital:

• Programmable periodic disposals

• Guaranteed profitability first year

• Flexibility to modify conditions

• Optimized tax benefits

Necessary documentation: complete checklist

Basic documents required

For all foreigners:

• NIE (Foreigner Identification Number)

• Residence certificate or municipal registration

• Documentation from country of origin (translated and apostilled)

For Allianz Health:

• International medical history

• Previous coverage certificate (if applicable)

• Specific European forms (S1, A1, etc.)

• Simplified Allianz medical questionnaire

For Allianz Home:

• Property deeds (translated)

• Energy certificate

• Installation certificates

• Contents inventory (Allianz support available)

For Allianz Auto Plus:

• Driving license (original and translated)

• Claims history from country of origin

• Vehicle documentation (if imported)

• No-claims certificate

Practical cases: real Allianz solutions

Case 1: German retired couple

Situation: Hans and Greta, 65 and 62 years old, move to Los Alcázares after retirement.

Implemented Allianz solution:

• Allianz Health Reimbursement modality: Flexibility to occasionally maintain German doctors

• Allianz Home Superior: Complete protection with pest control for periodically unoccupied housing

• Allianz Constant Life Risk: Tax optimization through Spain-Germany agreement

• Allianz Auto Plus Comprehensive: Complete peace of mind for international travel

Result: Savings of €1,400 annually vs. generic options + tax optimization of €800 annually

Case 2: British family with children

Situation: The Johnsons, with two minor children, settle in Murcia capital post-Brexit.

Implemented Allianz solution:

• Allianz Family Health: Complete coverage without waiting periods to comply with post-Brexit regulations

• Allianz Home Complete: Specific protection for family adaptation

• Allianz Auto Plus Comprehensive: Maximum security during adaptation period to Spanish driving

• Allianz Life Risk Plus Comprehensive: Family protection with beneficiaries in United Kingdom

Result: Complete coverage with maintenance of British ties + total tax peace of mind

Common mistakes you should avoid

Mistake 1: Not considering residence temporality

Many foreigners contract insurance thinking of short stays, without considering they may become tax residents. This can generate coverage and tax problems later.

Mistake 2: Undervaluing specific coverage

Standard Spanish insurance doesn't always include coverage that foreigners consider basic, such as repatriation or coverage in country of origin.

Mistake 3: Not taking advantage of tax benefits

Not knowing the specific tax advantages of Murcia can mean significant losses, especially in life insurance and estate planning.

Mistake 4: Inadequate documentation management

Lack of official translation or apostilling can invalidate policies or complicate claims management.

Why choose Allianz with our agency

As we explain in our article about why you need an insurance broker, the complexity of insurance for foreigners makes it essential to have specialized advice from a leading brand.

Exclusive Allianz advantages for foreigners:

• World leader: Presence in more than 70 countries, international knowledge

• Global care network: Coverage and assistance worldwide

• Specific products: Designed for international needs

• Multilingual management: Assistance in main European languages

• Advanced technology: Latest generation apps and digital services

Our specialization as exclusive agents:

• International regulatory knowledge: Agreements, taxation, documentation

• Multicultural experience: More than 20 years advising foreigners in Murcia

• Continuous updating: Constant training in regulatory changes

Allianz, your best decision to reside in Murcia

The Region of Murcia offers the most favorable environment for foreign residents in Spain, and Allianz provides the best protection solutions, combining:

• World leader in insurance with specific products for foreigners

• Advantageous Murcian tax framework optimized with Allianz savings products

• Specialized services for the international community

• Advanced technology for complete digital management

At the Antonio Martínez Ballester Agency, as exclusive Allianz agents, our specialization in foreign residents allows us to offer you:

• Comprehensive Allianz advice adapted to your nationality and situation

• Tax optimization through specialized Allianz products

• Complete management of documentation and procedures

• Continuous accompaniment with the support of the world's leading brand

Don't let the complexity of insurance complicate your new life in Murcia. With Allianz and our specialized advice, you'll have the peace of mind of being protected by the world's best insurance company.

Frequently asked questions

Why choose Allianz over other options for foreigners? Allianz is a world leader with presence in more than 70 countries, guaranteeing international experience and specific services for foreigners. Our products are specifically designed for international needs, with multilingual management and global coverage.

Does Allianz Health cover medical emergencies in my country of origin? Yes, all Allianz Health modalities include temporary coverage abroad (up to 90 days annually depending on modality), perfect for family visits or business trips to your country of origin.

Can I manage my Allianz insurance from abroad? Absolutely. The Allianz Auto, Allianz Health apps and our digital services allow complete management from anywhere in the world, including claims processing and policy modifications.

What specific tax advantages do Allianz products offer for foreigners? Allianz savings products (FondoVida, Pension Plans, Flexible Term) are optimized to take advantage of double taxation agreements and Murcia's specific tax advantages, such as the 99% bonus on Inheritance.

Does Allianz have specific products for each nationality? Yes, we have adapted solutions: Allianz Health International for post-Brexit British, coordination with forms S1/A1 for Europeans, products without waiting periods for non-EU citizens, and specific tax optimization according to bilateral agreements.

Do you need the best Allianz solutions for your situation as a foreign resident in Murcia?

📞 Call us at 968 240 974 / WhatsApp 653 978 897
🏢 Visit us at Avenida General Primo de Rivera, 6, 1ºB, Murcia
✉️ Email: martinez.ballester@allianzmed.es

Free consultation without commitment - Exclusive Allianz agents with more than 20 years of experience. Assistance in Spanish, English and support for other languages. Your new life in Murcia protected by the world leader in insurance!