During my research for a couple planning to move to Spain, I uncovered some critical insights into health insurance in Spain for expats over 75. The couple, both active and in excellent health, are planning to live in Spain for at least the next 5–10 years and require private health insurance for their non-lucrative visa.

For the husband, aged 73, and his wife, aged 69, their age has proven a major headache for securing health insurance. Despite Spain's reputation for welcoming expats, finding private health insurance options for individuals in their age group isn't as straightforward as it might seem.

After researching several providers and their offerings, here’s a detailed breakdown of the best health insurance options for expats between 65 and over.

Best Health Insurance for Over 75 in Spain

Insurance Company	Age of Member	Request a Quote
Innoinsure	Up to 70	Request a Quote
Asisa	Up to 71	Request a Quote
ASSSA	Up to 79	Request a Quote
Sanitas	Up to 75	Request a Quote
AXA	Up to 65	Request a Quote

Innoinsure

Innoinsure is a trusted provider for expats in Spain, offering comprehensive plans tailored to non-lucrative visa requirements. However, their coverage is limited to individuals up to 70 years old, making it suitable for younger seniors.

Coverage: General medical services, hospitalization, specialist care, and preventive health measures.
Price: From €200-€500 per month, depending on the coverage.
Additional Benefits: Innoinsure provides fast response times and multilingual support, making the process easier for expats.

Request a quote

Asisa

Asisa has plans tailored for seniors between 0-71 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.

REQUEST A QUOTE

🏆 ASSSA

Coming to Spain Top Pick for Over 75

ASSSA stands out as a top health insurance provider for seniors, offering reliable and comprehensive options tailored to individuals over 75. Here’s why it’s our top pick:

✔ Coverage: ASSSA provides lifetime coverage with no age-related cancellations. Their plans meet all Spanish Non-Lucrative Visa requirements, ensuring peace of mind for expats over 75.
✔ Price: ASSSA offers transparent pricing across three tiers:
- Ages 65-69: €1,721 (Standard), €2,025 (Plus), €2,330 (Master)
- Ages 70-74: €2,126 (Standard), €2,456 (Plus), €2,785 (Master)
- Ages 74-79: €2,910 (Standard)
✔ Additional Benefits: ASSSA guarantees no premium increases due to age and offers multilingual customer support. With over 80 years of experience, they provide personalized assistance every step of the way.

Request a Quote

Sanitas

Sanitas is one of Spain's most well-known health insurance providers, offering plans specifically designed for expats. They accept new members up to 75 years old, making them an excellent option for older applicants.

Coverage: Preventive care, primary care, specialist visits, hospitalization, and emergency services.
Price: From €250-€550 per month, based on the plan selected.
Additional Benefits: Sanitas provides English-speaking customer service and access to a large network of private healthcare providers. They also offer add-ons for dental care and international travel coverage.

request a quote

AXA

AXA is a global health insurance provider that offers comprehensive plans for expats in Spain. However, their coverage is capped for individuals up to 65 years old, so it's not suitable for those over this age limit.

Coverage: General medical care, hospitalization, specialist consultations, and wellness programs.
Price: From €180-€450 per month, depending on the plan.
Additional Benefits: AXA provides 24/7 multilingual support and options for international coverage, which can be beneficial for those traveling frequently.

request a quote

Finding the right health insurance for those over 75 in Spain takes some careful thought. Innosure, Asisa, ASSSA, Sanitas and AXA 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.