General private healthcare guidance for people over 75 already living in Spain or considering private medical access — most often through Sanitas Único. This page is not for visa, residency, NLV, DNV, student or consulate applications. Acceptance and terms depend on Sanitas’ current rules.
Please read first
This page gives general private healthcare guidance for people aged over 75 — for example those already living in Spain, EU citizens, permanent residents, or anyone looking at private medical access outside a visa application. Over 75, new private cover is more limited and cannot be guaranteed, but options such as Sanitas Único may be available. We help with the health-insurance part and are honest about what is realistic; we do not handle visa applications or give medical advice.
Visa / residency
No. In general, over-75 private health insurance options should not be presented as visa-compliant or residency-compliant cover. Spanish visa and residency routes such as the NLV, DNV, student visa and other consulate applications usually require specific private health insurance conditions, and the policies available to over-75 applicants may not meet those requirements.
This page is therefore for general private healthcare access only — for example, people already living in Spain, EU citizens, permanent residents, or people looking at private medical access outside a visa application. Anyone over 75 applying for a Spanish visa or residency route should get individual advice before proceeding, as suitable cover may be limited or unavailable.
Availability
Often yes, but it is more limited than at younger ages and cannot be guaranteed. The most common route over 75 is Sanitas Único, which is designed for older applicants and commonly described as having no stated upper contracting age and no general health questionnaire. Whether cover can be arranged, and on what terms, depends on the plan’s rules and Sanitas’ assessment. We tell you honestly what is realistic and never promise acceptance.
Options
The most likely route over 75 — a complementary plan aimed at older applicants, commonly with no stated upper contracting age and typically no general health questionnaire. It has its own conditions and limits, so confirm what it covers for your situation.
A general comprehensive plan may sometimes be possible depending on the current tariff’s maximum contracting age — checked case by case.
Compare Sanitas Único and Más Salud.
Age limits
Two different things are often confused:
Medical declaration
Some private cover involves a health declaration — a set of medical questions used to check suitable options. Sanitas Único is notable for typically not requiring a general health questionnaire, which is part of why it suits older applicants. Where a declaration applies, the simplest approach is to tell us your medical history so we can help check suitable options. Acceptance and terms depend on Sanitas’ rules.
Pre-existing
A pre-existing condition does not automatically mean no cover, but it may affect acceptance or terms — and this matters more at older ages. It is best disclosed early so we can help check suitable options. See pre-existing conditions cover.
Who it's for
If you are over 75 and need cover for a visa or residency route, please get individual advice first — the suitable options may be limited or unavailable. See also over-60, over-65 and over-70 cover, and retiree health insurance.
How we help
Tell us your age, residency status and healthcare needs, and we will check honestly whether any suitable general private healthcare options may be available, and prepare a quote. We do not handle visa applications. If you already have cover, do not cancel it until any new cover is accepted and confirmed.
Mistakes
Important information
Tell us your age, residency status and healthcare needs. We will check whether any suitable general private healthcare options may be available. This is not for visa or residency-compliant insurance. Please check the actual current policy terms and your personal conditions before purchasing or using any Sanitas policy. Policies change and individual terms can vary.
Speak to an English-speaking adviser about general private healthcare options over 75.
FAQs
Common questions about this Sanitas add-on.