In recent years, life expectancy has increased notably, as well as the quality of life of the elderly, who in many cases maintain remarkable levels of activity and health. At the same time, there has been an increased interest in contracting medical insurance for complement the benefits of the Public Health in the Canary Islands and have greater agility in consultations, diagnostic tests and hospitalizations.
Health insurance companies are aware of this reality, and have been increasing their age limits for contracting health insurance. This greater contracting flexibility does not imply that a rigorous selection of clients is not made, analyzing and assessing the pre-stock (illnesses or consequences prior to the insurance). In these cases advice from an insurance broker is essential, who advises the client and negotiates with the insurer the type of clauses that will be applied to the contract. Direct dealings with the insurer originate in many cases, the imposition of clauses that go against the interests of the client, and may leave future treatments or interventions out of coverage. Medical insurance is an investment in the future to guarantee quality of life, and a bad negotiation in the contract can ruin our planning.
As a general rule, we can say that the specialist companies present in the Canary Islands are the ones with the highest contracting age, with a cap of 75 years, such as DKV or Sanitas. In the case of Sanitas with a special differentiated product (Sanitas Oro). Adeslas remains at 70 years and Caser at 69. The rest of the insurers such as Mapfre, Allianz, Axa, Previsora General, Plus Ultra, remain at 64/65 years.
Comparative table maximum ages:
Company | DKV | SANITAS | ADESLAS | CASER | MAPFRE | AXIS | ALLIANZ | PLUS ULTRA | FORESIGHTFUL |
maximum age | 75 | 75 | 70 | 69 | 65 | 65 | 65 | 65 | 64 |
There are certain cases in which insurers can vary the above:
- Collectives, where a significant number of policyholders of a company, school, etc. are negotiated. In these cases, the acceptance of older people can be negotiated
- Families with 2 or 3 generations, can also be the subject of negotiation in these cases, since younger people will compensate older people
- Refund modalities, in these cases the maximum ages are usually lower, even up to 5 years
Contracting medical insurance requires independent and personalized advice. With our insurance comparator you can have a price orientation, and later we can advise you in a personalized way on the best option for your medical insurance in the Canary Islands.
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