If you’re over 75 and looking for private health insurance in Spain, you may have noticed the options thin out dramatically after age 70. But you do still have a few valid routes—both private and public—that are worth exploring.
Spanish Insurers That May Accept Over‑75s
Some Spanish insurers still accept seniors over 75, although options depend on region, medical history, and how generous they’re feeling that day.
- ASISA: Often accepts new applicants up to 79, depending on province. Plans are modular—check what’s actually included.
- Adeslas: Offers “seniors” plans aimed at those 70+, usually covering just hospitalisation and urgent care.
- DKV: May cover over-75s through broker-only policies, often with a full health screening.
- Feather (underwritten by Allianz): No upper age limit. English support and visa-compliant. One of the few fully viable options post-75.
Expect premiums of €250–€500/month, especially if pre-existing conditions are excluded or there are waiting periods involved.
Hospital-Only or Top-Up Plans
If full private coverage isn’t an option, consider:
- Hospital-only plans: Limited to major incidents like emergency surgery or inpatient stays.
- Top-up cover: Works as a private addition if you already have public access via another route (like the Convenio Especial).
⚠️ Note: Neither option is typically visa-compliant.
The Convenio Especial: Public Healthcare Buy-In
If you’ve been living in Spain for over a year and don’t qualify for standard public healthcare, you can often buy into the national system through the Convenio Especial.
- No age limit
- Monthly cost: approx. €60 under 65; €157 if older
- Covers: GPs, specialists, hospital visits, emergencies
It doesn’t cover prescriptions or repatriation, and it can’t be used for visa applications, but it’s a widely used fallback for seniors already living in Spain.
📎 Official government page on the Convenio Especial
Applying for a Visa After Age 75?
If you’re over 75 and applying for a non-lucrative visa, you’ll usually need private health insurance that is:
- Fully comprehensive
- Without copayments or exclusions
- Without waiting periods
This is hard to find at this age, but some options exist:
- Feather’s expat health plan (feather-insurance.com): Visa-compliant with no age cap
- Specialist brokers: May be able to arrange underwritten or group plans not available online
- Golden Visa route: If you’re investing in Spain, insurance requirements are more flexible
Quick Comparison Table
| Option | Age Limit | Visa‑Compliant? | Typical Monthly Cost | Notes |
|---|---|---|---|---|
| Feather (Allianz) | None | ✅ Yes | €250+ | English support |
| ASISA | To 79 | Sometimes | €185+ | Region-dependent |
| DKV | Varies | Usually not | €300–€500 | Often broker-only |
| Convenio Especial | None | ❌ No | €157 (65+) | Public healthcare buy-in |
Final Thoughts
Getting health insurance over 75 in Spain is tough but not impossible. The key is knowing your options, setting realistic expectations, and working with someone who understands this space.
If you’re already a resident, the Convenio Especial may be your best route to peace of mind. If you’re applying for a visa, start by looking at plans with no age cap, like those offered by Feather. And don’t hesitate to talk to a specialist broker — they often know the gaps in the system and the insurers that don’t publicly advertise their full range.