If you're over 75 and trying to find health insurance in Spain, especially to meet the non-lucrative visa requirements, you might be feeling a bit overwhelmed. The high costs and rising premiums with age and health conditions make this search slightly more challenging. Plus, not all insurance companies offer coverage for people over 75, especially if you have existing medical conditions.

In this article, we’ll walk you through some of the best insurance options out there and will attempt to address any concerns you may have whilst highlighting the best plans tailored for over individuals 75.

Non-Lucrative Visa Healthcare Requirements

The non-lucrative visa is a residence visa for non-working individuals who want to live in Spain. It’s an excellent option for elderly people because it allows them to retire in Spain without the need to work, as long as they have sufficient financial means to support themselves and comprehensive health insurance. The non-lucrative visa for retirees requires private health insurance that meets the following criteria:

Covers you throughout Spain.
Has no co-payments.
Includes repatriation coverage.
Offers comprehensive healthcare services similar to the Spanish public healthcare system.

Best Health Insurance for Over 75 in Spain

1. DKV

DKV offers plans focused on preventive care and managing chronic diseases. Their senior plans cover people aged 0-99 years old and it fits Non-Lucrative visa needs perfectly.

Coverage: Preventive care, chronic disease management, home care, and comprehensive medical services.
Price: From €300-€600 per month, depending on the plan.
Additional Benefits: Wide network of providers and excellent customer service. DKV provides partial reimbursement (50%) on prescribed medications, capped annually at €100.

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Asisa

Asisa has plans tailored for seniors between 0-65 years old, ensuring comprehensive coverage that meets visa requirements.

Coverage: Comprehensive medical services, chronic disease management, mental health services, and specialist care.
Price: Starts at €185 per month for individuals over 65.
Additional Benefits: 24/7 English-speaking helpline for advice on preparing for international and for assistance during international travel.

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3. Feather

With an impressive rating of 4.9 out of 5 stars on Trustpilot, Feather emerges as one of the most affordable and highly rated insurance options for expats over 75 planning to move to Spain.

Coverage: Specialist consultations, preventive care, hospitalization, and emergency services.
Price: Plan cost €204 a month retirees between 65 and 74 years of age
Additional Benefits: Easy-to-use platform and great customer support, making it simple to manage your insurance. Whilst most health insurance requires an upfront payment of a year, all of Feather’s plans can be paid monthly.

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Finding the right health insurance for those over 75 in Spain, especially for a non-lucrative visa, takes some careful thought. DKV, Asisa, and Feather offer great options with plans tailored to seniors, providing comprehensive care that meets visa requirements. By doing extensive research, you can find the right coverage to give you peace of mind.

Can a Retiree in Spain Obtain Access to the Public (Provincial) Health Insurance System?

Yes, a retiree in Spain can access the public health insurance system (Seguridad Social) under certain conditions. For retirees from the EU, EEA, or Switzerland, it’s often possible to transfer healthcare rights from their home country to Spain using the S1 form.

For non-EU retirees, the process can be more complex, and private health insurance is usually required, especially for those on a non-lucrative visa. However, after obtaining residency and meeting certain criteria, non-EU retirees might also gain access to the public healthcare system.

Health Insurance in Spain with Pre-Existing Conditions

Obtaining health insurance with pre-existing conditions can be more challenging, but it’s not impossible. Here are some considerations:

Disclosure: Always disclose pre-existing conditions when applying for health insurance. Failure to do so can result in denied claims or cancellation of the policy.
Waiting Periods: Some insurers may impose waiting periods for coverage of pre-existing conditions. This means there could be a delay before your condition is covered.
Premiums and Coverage: Expect higher premiums if you have pre-existing conditions. Additionally, coverage for these conditions might be limited or come with specific exclusions.
Specialized Plans: Look for insurers that offer specialized plans for seniors or those with pre-existing conditions, as they may provide more suitable coverage options.