Health insurance in Mallorca: EHIC & cover abroad

This page explains what the European Health Insurance Card covers in Mallorca and where its cover ends. It explains the difference between public and private treatment and shows which elements additional travel health insurance typically covers. It is no substitute for individual insurance or legal advice.

In short

Is the EHIC enough for a holiday in Mallorca?

In principle, the EHIC covers medically necessary treatment within the Spanish public health system under the rules that apply there. Private doctors’ surgeries and private clinics are not automatically included. If you use private practices or want repatriation to be covered, you will usually need additional cover for that.

EHIC in the public health system

The card is printed on the back of the German health insurance card. You present it within the public system – i.e. at the Centro de Salud or at a public hospital. Billing follows Spanish rules; co-payments, as also apply to people insured in Spain, may be charged.

Private treatment

German-speaking practices for holidaymakers and private clinics often work on a private basis. There, you are typically billed directly and the EHIC does not apply automatically. Before treatment, ask about costs, which insurance is accepted and reimbursement options.

Repatriation

Medically accompanied repatriation to Germany is typically not part of the EHIC. It is one of the benefits that private travel health insurance covers depending on the policy – look for the wording “medically advisable” rather than “medically necessary” and check for exclusions.

Additional travel health insurance

Whether it is worthwhile depends on how you travel: if you are planning higher-risk activities, travelling with children or value private medical care, it closes the gaps. Things worth checking are the scope of cover, the excess, the maximum duration per trip and the rules on repatriation.

Bills and reimbursement

Keep all bills, medical reports and proofs of payment and submit them after your trip. For private treatment, a detailed invoice showing the diagnosis and itemised services is important – flat-rate receipts often lead to queries.

Overview

Public system: EHIC applies under the rules there
Private practice / clinic: Not automatically included
Repatriation: Typically not part of the EHIC
Documentation: Keep bills, medical reports and proofs of payment

In an emergency, first

Insurance questions come after treatment. In acute danger, call 112.

Last checked: September 2026

Frequently asked questions

What does the EHIC cover in Mallorca?

Is repatriation to Germany included?

Medically accompanied repatriation is typically not part of the EHIC. This element is usually covered by private travel health insurance – the terms differ from policy to policy.

Do I also need travel health insurance?

It can be worthwhile if you want private medical treatment, repatriation or co-payments to be covered. Before taking out a policy, check the scope of cover, the excess and the period of validity.

How do I get reimbursed for costs I have paid?

Keep all bills, medical reports and proofs of payment and submit them to your health insurer or insurance company after the trip. Deadlines and required documents vary by insurer.

Other travel insurance for your Mallorca holiday

Besides health cover, further protection may be worthwhile depending on the type of trip and the booking value. What matters is how much financial risk you are prepared to bear yourself. On 123tarifvergleich.de you can compare the different types of travel insurance separately.

Travel health insurance

Supplements your cover for medical costs abroad. It is particularly important to look at the benefits for private treatment and medical repatriation.

Compare travel health insurance