Best Health Insurance in Spain for Over 75

life in spaintravel
Written By Laetitia Woue

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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
Sanitas Up to 75 Request a Quote
Cigna No Age Limit Request a Quote

🚨 ALERT: Pre-Existing Condition Coverage Available

Finding Spanish health insurance that covers pre-existing conditions is almost impossible — but Sanitas Mas Salud Complete does. Get full, visa-compliant coverage with no exclusions, copayments, deductibles, or waiting periods for ages 0–75. Includes national coverage with no limit on benefits.

✅ Get Free 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.

Cigna

Cigna is a global leader in health insurance, known for providing comprehensive and flexible plans tailored for expats. With no age limit for new applicants, Cigna is a versatile option for individuals of all ages seeking international health coverage.

  • Coverage: Preventive care, primary care, specialist visits, hospitalization, and emergency services.

  • Price: Plans start at approximately €300 per month, with pricing varying depending on coverage level and location.

  • Additional Benefits: Cigna offers 24/7 multilingual customer service and a vast global network of healthcare providers. Their plans can also be customized with dental, vision, and mental health coverage, as well as options for international coverage while traveling.

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.

📦 Still Not Finding What You’re Looking For?

I work with international brokers who partner with niche insurance providers offering tailored health policies for expats. These plans often aren’t listed publicly but may offer more flexibility—especially if you’ve been rejected elsewhere.

👉 Need help finding a trusted broker? Reach out and I’ll connect you with someone who understands expat healthcare inside and out.

Speak to a Free Health Insurance Broker

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

Laetitia Woue

Laetitia Woue is the author of Coming to Spain and has been living in Spain for over six years. She is passionate about traveling throughout Spain and helping others overcome their limiting beliefs to achieve their dream of moving to Spain. Through her writing and resources, she provides practical advice and insights to support and guide individuals in making their dream of living in Spain a reality.

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