How to Use Unión Madrileña Health Insurance

If you’ve recently taken out a policy with Unión Madrileña, the next step is understanding how to use it in practice.

This guide explains how to access your policy, use the mobile app, request authorisations, and find doctors in Spain.

If you purchased your policy for residency purposes, you can also read our guide to health insurance for a Spanish non-lucrative visa to understand the requirements and documents you may need.

Accessing Your Unión Madrileña Policy

There are three main ways to access your Union Madrilena health insurance:

For most clients, the mobile app is the fastest and easiest option.

The Unión Madrileña app is designed to give you full control of your policy in one place.

Instead of emailing documents or calling support, you can handle almost everything directly from your phone.

For international clients, the app is available in English, which makes navigating the Spanish healthcare system much easier.

Once your policy is active, you don’t need to carry a physical card.

Inside the app, you’ll find your digital insurance card, which you can show at:

This is usually all you need to access treatment within the network.

ome medical services in Spain require pre-approval from the insurer.

You have several options:

1. Through the mobile app (recommended)
Upload your prescription or medical report and submit directly.

2. Through the clinic or hospital
Some providers will request authorisation on your behalf.

3. Telephoning Union Madrileña
Calling and speaking in English on the Union Madrileña helpline..

4. Through your broker
We can assist you if you’re unsure what’s required.

With Unión Madrileña, you access healthcare through an approved network known as the cuadro médico.

You can search for doctors:

You’ll be able to filter by:

The app and client area also allow you to manage the administrative side of your policy.

To keep things simple: