- 60 years is the age after which insurance companies do not offer medical coverage
- Premium increases, non-renewal of insurance or the elimination of guarantees are some of the actions that are usually implemented when the insured reaches a maximum age
There are many reasons why you may want to take out
However, not all people have the same ease of purchasing health insurance . If you have an illness before taking out the insurance or if you are pregnant, companies may refuse to insure you.
Specifically, one of the groups that has the most difficulty accessing private healthcare through conventional insurance ( scaled , reimbursed or with co-payment , among others) is those made up of people over 60 years of age. As you age, health problems begin to appear that force you to take care of your bones and joints and pay more attention to your physical condition. In order not to deprive you of health care, some insurers have created specific products .
At Rastreator we have selected some of the best insurance for seniors on the market, with competitive prices and very interesting coverage. They stand out among them:
| Type of insurance | Coverages | Characteristics | More information | |
|---|---|---|---|---|
 | Sanitas More Vital | Primary care, 5 specialist consultations, dental coverage, Senior Program | Intended for people over 59 years of age. Senior Family Assistance | Calculate
|
 | Adeslas Senior | Primary care, specialties, implants and prostheses, ambulance | Health advisor. Geriatrics | Calculate |
Age, a key factor in health insurance
One of the factors that companies take into account when setting the amount of the premium for a health policy is the age of the insured. In the same way, it is also the determining element to refuse to insure a person. From age 60 or 65, the vast majority of companies do not offer medical coverage and from age 65, temporary disability coverage will cease . One of the main reasons is that the risk that an insurer would have to bear is greater than that of covering, for example, a 28-year-old person.
Medical chart without hospitalization
Although most insurers do not allow people over a certain age to take out health insurance, there are others that are not so strict and make products available without hospitalization . This type of policy allows the insured to access a medical package with agreed prices, that is, with co-payment, through the payment of a reduced monthly payment .
Hospitalization coverage is one of the most valued as it consists of the insured person's free stay in a private hospital. These centers are characterized by the comforts they offer to patients who are admitted in a single room and even with an additional bed for the companion.
Health insurance designed for seniors
Another option available to people who are over 60 years old and cannot find a company willing to insure them is to take out a specific policy for senior citizens . The main characteristic of these products is the amount of the premium , much higher than that of other insurance policies .
This health insurance usually includes a medical panel supervised by a geriatrics specialist
Unlike the non-hospitalization medical plan modality, these policies do take care of the expenses incurred by the patient as a result of their hospital stay. However, the use of this and other guarantees is usually subject to a co-payment and a certain waiting period .
Is finding health insurance for seniors difficult?
Sometimes it can be difficult to find a health policy that covers you if you are over 60 years old. However, as we said, there are insurers that have specific products for people over a certain age, so that they can enjoy the advantages of having health insurance.
Health insurance for seniors Adeslas Seniors
For those people between 55 and 84 years old who want to take out health insurance, Adeslas has its Seniors product. Through this insurance, the company offers personal health advisors, extensive coverage and one of the best medical tables, as well as free access to the Adeslas Salud y Bienestar platform. With your Adelas Seniors policy, you will have access to general medicine, outpatient and hospital emergencies, high-tech diagnostic tools and special treatments, among other services.
Additionally, if you have a family policy in which there are at least three insurers under 60 years of age, the company allows you to include another insurer over 70.
Health insurance for seniors with Aegon
The insurer does not have a specific product for seniors over a specific age. However, the maximum age to take out insurance is 67 years, which can reach 75 if you have a family policy in which more than half of the insured are under 55 years old.
Asisa health insurance for seniors
The insurer Asisa, for its part, does not have specific policies for seniors, but it offers its Asisa Activa, Asisa Próxima, Asisa Próxima PLUS and Asisa Integral insurance policies with an age limit of 69 years. So if you purchase one of these products, you will be able to enjoy it up to this age limit.
Axa senior health insurance
With Axa you can enjoy any of its health insurance up to age 65, a limit that will reach 70 if you have a family policy in which there are at least three other insured persons under 65 years of age.
DKV senior health insurance
DKV offers the possibility of contracting health insurance up to age 75, being the company with the highest contracting limit. If you purchase health insurance with the company, you will have access to telephone medical assistance and unlimited consultations with more than 40,000 professionals to choose from. In addition, you can enjoy medical assistance abroad and unlimited hospitalization days in a single room, among other advantages offered by DKV.
Health insurance for seniors from Fiatc
The Fiatc insurance company will allow you to enjoy your insurance until you are 65 years old. You can continue to have health insurance from age 65 as long as you have a family policy in which there is another insured person under 65 years of age.
Mapfre Senior Generation Health Insurance
The insurer Mapfre has a range of insurance called Senior Generation that includes car, home, accident and health insurance that you can access up to the age of 65. By taking out your health insurance you will have coverage for your prostheses and implants, as well as for rehabilitation sessions, cutting-edge techniques in different surgeries and help at home for convalescence.
Health insurance for seniors Sanitas Más Vital
Sanitas has health insurance for seniors that has specific coverage. This is a product designed for people between 60 and 75 years old who wish to receive medical care in general medicine, but also from specialists in geriatrics or physiotherapy, among other services. You can take out this Sanitas Más Vital health insurance from 21.90 euros per month.
What happens if you have health insurance and you turn 60?
Companies do not usually insure people over 60 years old, but what happens when the insured reach that age? The way to deal with this situation depends on the policy of each company. Some choose not to renew the policy the year in which the insured turns 60, 65, 70 or 75 years old . However, if you are being treated for a certain pathology or illness, the company must continue to pay for it despite having reached the maximum age stipulated in the conditions.
Other alternatives that more than one insurer applies are, instead of not renewing the policy, considerably increasing the amount of the premium or eliminating certain coverages from the policy .
Compare and find your health insurance with Rastreator
.The different types of health insurance, the territorial scope of coverage or the guarantees included and excluded are some of the factors to take into account when contracting health insurance. Comparing insurance
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