Caser's age limit for health insurance & other important details

When considering health insurance in Spain, one often overlooked factor is the age limit for coverage, both minimum and maximum. Many insurers impose age restrictions, typically between 65 and 70, for new customers. In other countries, such as the United States, Medicare is available to those aged 65 or younger, provided they do not have certain disabilities or medical conditions. Children under 26 can benefit from their parents' current plan. But when moving abroad, how do you determine if your age qualifies you for health insurance plans?

For individual health insurance, some countries do not impose a maximum age limit, although premiums may increase significantly with age. Older policyholders may face exclusions or higher premiums for pre-existing conditions. In Spain, age limits for health insurance usually range between 65 and 75, depending on the insurer and policy.

In family health insurance plans, children are usually covered by their parents' health plan until certain age. Newborns, one of the parents must add the baby to the family health plan within the first 15 days of birth.The primary policyholder can continue coverage regardless of age, but premiums increase for older adults

If employed by a Spanish company, you qualify for public health insurance via the social security scheme with no upper age limit. The retirement age in most sectors is 65, but you must have contributed to social security for at least 38 years to continue qualifying. If not, you can either keep working or take out a private healthcare policy.

At Caser Seguros, we wanted to break down these barriers with Caser Salud +60, a health insurance plan specifically for individuals over 60. Unlike other options, Caser Salud +60 has no maximum age limit, making it an attractive choice for comprehensive coverage without age restrictions

With Caser Salud +60, you have health insurance with no age limit, regardless of health status. It includes quick diagnoses, specialist consultations, tests, treatments, and a medical checkup. Always review the terms and conditions or consult an insurance broker regarding age limits and benefits.

What about Caser’s medical insurance policies and an age maximum?

Many health insurance plans impose age limits. Some policies are available only to new policyholders under 69. However, premiums increase with age, and pre-existing conditions may lead to exclusions or higher costs. Parents must ensure newborns are added within 15 days of birth. The primary insured may remain covered regardless of age, although premiums rise for older adults. Many families and adults choose the Caser Medical Plan for its excellent benefits, covering the entire family. This plan, include access to more than 13,000 specialists, plus telehealth and selfie health options, reimbursement for dental expenses and prescriptions, and the peace of mind of being covered for any eventuality.

If considering Caser health insurance, note that the maximum age to take out a plan with Caser Médica is 69. You can find all Caser health plans, including Caser Salud +60. Caser’s comprehensive plan is ideal for young, relatively healthy adults. If you don't plan to visit the doctor often, this plan includes co-payments for low-cost medical services.

What to keep in mind about Caser’s health insurance plans when contracting

• You must be at least 18 to be a policyholder and a resident of Spain or applying for visa residency.
  
  
• There is no limit to the number of people on your policy, as long as they are direct family members. Minors must have a legal relationship with at least one policyholder.
  
  
• Health insurance plans renew annually for all family members. To make changes, notify Caser in writing at least 30 days before renewal; otherwise, coverage continues for another year.
  
  
• Your first step is researching plans. Then, fill out the mandatory health questionnaire for all members and receive a personalized quote in less than a minute.

Other frequently asked questions about age limit for health insurance in Spain

Is there an age limit for health insurance for visa purposes?

Retiring in Spain is increasingly popular due to high life expectancy and low living cost. A key element of your visa application is taking out an insurance with a Spanish company, which often has an upper age limit.

Caser offers the Adapta health plan for those needing insurance for visa purpose, This plan includes required medical and hospitalization coverage with no co-payments and required repatriation. Coverage begins immediately with no waiting periods. You qualify if under 65. To access Caser Expat Insurance plans, you must have a “Número de identificación del extranjero” (TIE numer). You can also add your children to a family plan, as they also need health insurance.

Can I get travel insurance with health coverage in Spain?

Travel insurance policies often have age limits, typically between 70 and 85, depending on the insurer.

Are there any further restrictions for coverage? What about the period de carencia?

For Caser Salud +60, there are no maximum age limits, making it ideal for seniors seeking comprehensive health insurance. Unlike other plans, Caser Salud +60 minimizes waiting periods (periodo de carencia) for most medical services. Some procedures, such as high-cost treatments or specialized surgeries, may have limited waiting periods, but these are generally shorter than in other policies.

Pre-existing conditions can still affect coverage, as is typical in insurance policies. However, Caser Salud +60 is designed to be as flexible as possible, offering quick healthcare access and avoiding long waiting times. Waiting periods for maternity care do not apply to Caser Salud +60, as the plan is tailored for older adults. Those planning to have children should consider other plans offering maternity-related coverage.

When choosing a health insurance plan in Spain, age limits and policy conditions play a significant role. With the launch of Caser Salud +60, senior expats now have a no-age-limit option, ensuring access to quality healthcare. Whether you need coverage for routine medical care, family insurance, ora visa-related policy, Caser offers a variety of plans to meet different needs.