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Date Published: 16/10/2025

What does a lifetime health insurance policy involve?

When considering health insurance, it is essential to understand the different types of coverage available, as this will help ensure personal wellbeing both in the short and long term. One of the most important aspects is lifetime coverage, which means the policy cannot be cancelled. But what does this mean, and what are the benefits? Here is everything you need to know:

What is a lifelong health insurance policy?

It is an excellent choice for anyone seeking long-term peace of mind and medical security, as well as protection as they age. This type of policy includes a guarantee that the insurer will not cancel or refuse to renew your coverage. Without this safeguard, you could face difficulties finding another health insurance provider in Spain willing to accept you, especially if you have existing medical conditions or are of advanced age. In this sense, lifelong coverage is a key factor in avoiding unpleasant surprises.

How does it work?

The policyholder is the only person who can decide whether to continue with their health insurance at the time of renewal. If they do not express a wish to cancel the policy, the insurer will usually renew it automatically – just as ASSSA does – without requiring any additional paperwork.

What are the features of a lifelong health insurance policy?

Lifetime guarantee: Once insured, there is no limit to how long you can remain covered, regardless of age.
Long-term security: Ideal for individuals seeking peace of mind and medical protection throughout their life.
Annual renewal: The policy is renewed each year automatically, without the need to carry out any formal procedures. We recommend reviewing the specific conditions offered by each insurance provider.
Comprehensive coverage: Once the waiting period has been completed, you will have access to the coverage included in the selected plan.
Continuous care: Access to medical services whenever required, with ongoing and supervised treatment.

ASSSA is a health insurance company with over 90 years of experience, committed to long-term care of your health. For this reason, it offers a contractual lifetime guarantee, ensuring that only the policyholder has the right to decide whether to renew their insurance. Furthermore, the policy is renewed automatically, and any lifetime discounts agreed at the time of signing are maintained.

In addition, it offers many more advantages: the insurance premium does not increase with age, multilingual customer service staff are available, it meets the requirements for obtaining a Visa and Residence Permit in Spain, and it provides access to a wide network of medical professionals, among other benefits.

With ASSSA, you can enjoy peace of mind knowing that your health insurance in Spain will not be cancelled.

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