Private Health Insurance for Spanish Residency – No Age Limit, No Copayments

Think you’re “too old” to move to Spain because you can’t get private medical insurance? Not anymore. We offer a health insurance policy with:

• No age limit
• No copayments (no excess)
• Full coverage suitable for Spanish residency and non-lucrative visa applications
• Access to Spain’s top private hospitals and specialists If you’re applying for a Spanish residence permit (residencia), this policy ticks the required boxes.

Why this policy works for Spanish residency and visas

1. No age limit: Applications accepted at any age (subject to a completed health questionnaire).
2. No copayments: Unlimited use of all included services without paying for a consultation or diagnostic test.
3. Extensive hospital network: Agreements with leading hospital groups such as Quirón Salud, Vithas, Grupo HLA, and many others).
4. Direct access to specialists: Skip the waiting lists in the public system.
5. Emergency care and ambulances covered.
6. Worldwide emergency coverage + medical repatriation (illness, injury, or death).
7. Perfect complement: Once you obtain residency and register in the National Health System, you keep this policy for speed and comfort.

• Requirement: When you need the certificate for visa / residency (authorities typically require a full-year policy with no copayments and comprehensive coverage). Upon renewal this can be changed to monthly, quarterly or six monthly payments.

To apply we need confirmation of your date of birth and the postcode of the area in Spain you will be residing or visiting. Lastly confirmation of your passport number or N.I.E. number if you have one. With this we can then send you some prices and information and if everything is acceptable then a policy will be issued. 

1. Contact us and request the health questionnaire.
2. Medical underwriting review (generally no physical exam; declaration-based).
3. Policy approval and issuance of your insurance certificate (needed for consular or immigration filings).
4. Immediate access to the network once active.

Do you really accept any age?

Yes—there is no numerical upper age limit. Acceptance depends on the completed health questionnaire (possible exclusions or adjusted terms may apply).

Does it include hospitalization and diagnostic tests?

Yes, when medically indicated and within policy scope (lab work, imaging such as MRI/CT, inpatient stays, etc., as defined in the coverage conditions).

Is it valid for a non-lucrative visa?
Yes. It meets typical consular requirements: no copayments, full territorial coverage in Spain, emergency coverage abroad, and repatriation. (Always verify specific consulate nuances.)

Are pre-existing conditions covered?

They are reviewed case by case. Some conditions may be excluded or subjected to waiting periods. You will know before binding the policy.

Are there waiting periods (qualifying periods)?

Some benefits (e.g., maternity) may have waiting periods depending on the product. We guide you toward the version best aligned with residency needs (often minimizing relevant waiting periods).

Key advantages at a glance

• No age limit
• No copayments
• Renowned hospital network
• Fast-track access to specialists and tests
• Emergency + ambulance coverage
• Worldwide emergency assistance + repatriation
• Works alongside the public system once you enroll
• Flexible payment (annual required for residency paperwork)

What it does NOT promise (transparent expectations)

• Does not pay for the routine cost of chronic prescription drugs
• Does not automatically enroll you in the public system (you must apply separately)
• Final acceptance depends on underwriting of your health questionnaire

Myth: “I’m too old to move to Spain.”
Reality: With the right private health policy, age is no barrier. Your relocation plan is still possible.

Next steps – Get your personalized quote Send us:

• Age
• Country of current residence
• Planned arrival date in Spain
• Any significant medical conditions
• Whether the policy is for visa/residency or personal use

You’ll receive:

1. Tailored quote
2. Detailed coverage summary and policy wording
3. Sample certificate for your immigration file

Don’t let age or paperwork hold you back: secure your comprehensive cover today and start living your life in Spain with complete peace of mind. Your health, your peace of mind and your residency are just a click away. Contact The Insurance Centre now and take the first step towards your new life.

The Insurance Centre

About Our Team
At The Insurance Centre, we’ve been helping clients since 1999 with friendly, professional, and multilingual insurance services tailored especially for expatriates in Spain. We work with top-tier, reputable insurance providers and have proudly received awards for excellence in customer service and expat insurance for the past 10 years.
We are fully registered with the Dirección General de Seguros (DGS) and are members of the Colegio de Mediadores. Our team speaks English, Spanish, French, and Swedish, ensuring clear and confident communication with clients from around the world.