Pre-Existing Conditions Health Insurance Spain FAQ

Possibly, but it depends on the condition, treatment history, age and insurer underwriting. You must declare medical history accurately because non-disclosure can cause problems later.

Pre-existing conditions may be excluded, accepted, reviewed or subject to special terms depending on the insurer's decision. You should never assume a pre-existing condition is covered unless confirmed in writing.

Some applicants with pre-existing conditions can still obtain visa-suitable insurance, but it depends on underwriting. Complex medical history may require specialist guidance before submitting a visa application.

Yes. You should declare medical information honestly when asked. Even older conditions can be relevant if they involved surgery, hospitalisation, ongoing treatment, medication or follow-up appointments.

Yes, like any insurer, Sanitas can decline an application or apply special terms depending on age, medical history or underwriting rules. Applicants should arrange insurance early, especially if they have medical history.

Failing to declare a medical condition can lead to claim refusal, policy cancellation or serious problems later. It is better to be transparent and get correct underwriting from the start.

Heart conditions are assessed case by case. The insurer may request details about diagnosis, surgery, medication, follow-ups and stability before deciding whether to accept the applicant.

Cancer history is assessed individually. The insurer may consider the type of cancer, treatment date, remission period, ongoing checks and medication before making a decision.

Diabetes may be reviewed depending on type, control, complications and medication. Some applicants may be accepted, while others may face exclusions or refusal.

Possibly. Regular medication does not automatically prevent acceptance, but it should be declared if requested. The insurer will assess the underlying condition and any related risk.