Posted: Thu Sep 21, 2023 8:24am
Information or advice which may accompany an S1 will be generic and not necessarily aimed at Spain or any country in particular.
Re ambulances: it's true that their is a 2 tier public/private system here so you need to ensure that you are only attended by a public one (either by calling 112 or 061) in which case there will be no cost to you and therefore no need for any insurance.
Re dental care: There is no provision for dental care in the state system so yes, private insurance might prove useful.
Re waiting lists: if that's something which concerns you then you can indeed take out annual private insurance or pay per treatment.
Neither of the above really fit the definition of 'top up' though which is why I queried your use of the term.