Eligibility & Pre-Existing FAQs
Common questions about eligibility, age limits, pre-existing conditions and waiting periods. Still stuck? Ask us.
Frequently asked questions
Who can take out private health insurance in Spain?
Residents and many non-residents can apply, subject to insurer acceptance. See cover for non-residents.
Is there an age limit?
Some insurers set upper age limits for new applicants, especially over 65 or 70; this varies by insurer. See cover for retirees.
Are pre-existing conditions covered?
They may be covered, excluded or priced differently depending on the insurer. See pre-existing conditions.
Do I have to declare my medical history?
Yes — you should answer health questions honestly, as non-disclosure can void a claim. Terms vary by insurer and policy.
What are waiting periods?
These are set times before certain benefits, like maternity or surgery, become available. See no-waiting-period cover.
Can waiting periods be waived?
Some insurers waive them, for example if you show continuous prior cover; this varies by insurer and policy.
Will a pre-existing condition stop me getting visa cover?
Not always — some applicants get compliant cover with conditions excluded or loaded. Ask us about options.
Can children and newborns be added?
Yes — children can be insured, and newborns can usually be added during the policy. See family cover.
Do I need to be a Spanish resident to apply?
No — non-residents can often apply, though some plans differ. See cover for non-residents.
Are there conditions that are always excluded?
Some chronic or high-risk conditions may be excluded or need special terms; this varies by insurer and policy.
Will my premium be higher with a health condition?
It can be, depending on the condition and insurer. See pre-existing conditions.
Can I appeal if cover is declined?
You can often try another insurer or provide more medical detail. Ask us to compare options.
Does pregnancy affect eligibility?
You can usually apply while pregnant, but maternity benefits often have waiting periods. Terms vary by insurer and policy.
Do students and young applicants have easier acceptance?
Younger, healthier applicants generally find acceptance simpler and cheaper. See cover for students.
How is eligibility confirmed?
The insurer reviews your application and health declaration before accepting; cover is subject to insurer acceptance.