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Date Published: 10/04/2026

The best time to take out a health insurance policy: Young versus older

When considering taking out a health insurance policy, many people wonder at what age it is best to do so. Is it worthwhile to be insured when you are young? At what age should you start looking for private medical insurance? There is no perfect age, but there are certain advantages depending on the stage of life in which the policy is taken out.

Taking out health insurance when young: prevention and savings

When you are young, the body generally responds well to different situations and there is a lower likelihood of developing illnesses. However, this is actually one of the best times to take out a health insurance policy and a smart long term decision. The reasons are:

More affordable premiums

One of the main benefits is the price. Premiums are usually lower when the policy is taken out at an early age, while maintaining the same level of quality. In addition, companies such as ASSSA offer additional discounts for young people and maintain the price within the contracted age bracket, allowing you to enjoy health insurance throughout your life at a lower cost.

Lower likelihood of pre existing conditions

Taking out insurance when you are young makes it less likely that you will have previous illnesses (pre existing conditions). This avoids exclusions in the policy and therefore ensures that you are covered for medical issues that may arise in the future.

Greater prevention

Having direct access to specialists facilitates the early detection of illnesses, which improves diagnosis and makes treatment easier.

Health insurance for older people: peace of mind and security

As we grow older, medical needs tend to increase. For this reason, having private medical insurance is essential for improving quality of life and ensuring well being. The advantages include:

Fast access to specialists

A health insurance policy allows quick access to professionals and reputable medical centres, avoiding long waiting lists and enabling early diagnosis and treatment.

Greater financial predictability

Older individuals usually visit the doctor more frequently. Therefore, having a health insurance policy without co payments, such as those offered by ASSSA, makes it possible to access the medical services included in the policy without additional costs beyond the premium. This is especially important in cases of hospitalisation or complex treatments, as these can involve significant expenses.

Lifetime protection

One of the greatest concerns is the continuity of the insurance once a certain age is reached. Having lifetime cover guarantees that the policy will not be cancelled by the company, avoiding the difficulty of having to find another insurer at a stage when health conditions may already have developed.

Personalised care and medical follow up

A medical insurance policy allows for more personalised treatment, with continuous follow up and a better understanding of the patient’s medical history. In addition, many clinics offer translation services or attention in different languages, which greatly facilitates communication for expatriates. This leads to more accurate diagnoses and more effective care.

ASSSA is a health insurance company with more than 90 years of experience. It offers medical, surgical and hospital cover in all its modalities, as well as lifetime cover, policies without co payments, and no premium increases based on age. Furthermore, they are highly specialised in insurance for expatriates in Spain, meaning their policies meet all the requirements needed to obtain a Visa or Residency permit.

To ensure a high quality service, they provide personalised, multilingual assistance in their offices, along with an extensive medical network that includes reputable centres, international hospitals with language services, and immediate access to specialists.

With ASSSA, your peace of mind and your health are in good hands.

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