Health Insurance for Students

Health insurance is a mandatory requirement for obtaining a Spanish student visa — and it’s also essential for your peace of mind while living abroad. Understanding your options can save you money and ensure you’re properly covered.

Spain has an excellent public healthcare system, but as an international student, your access to it depends on your visa type and home country. Here’s what you need to know.

Insurance Requirements for Your Visa

The Spanish consulate requires that your health insurance meets specific criteria: it must be issued by a company operating in Spain, provide full coverage without copays or deductibles, cover the entire duration of your stay, and include repatriation coverage.

Travel insurance or policies with high deductibles are typically not accepted. Make sure your policy explicitly states "sin copagos" (no copays) to avoid issues at the consulate.

Popular Insurance Providers

Several insurance companies specialize in coverage for international students in Spain. Popular options include Adeslas, Sanitas, MAPFRE, and Asisa. These providers offer student-specific plans that meet visa requirements and typically cost between 40 to 80 euros per month.

Some universities also offer group insurance plans at discounted rates. Check with your university’s international office before purchasing your own policy — you might save money by joining a group plan.

Public vs. Private Healthcare

Spain’s public healthcare system (Seguridad Social) is excellent, but access for students varies. EU citizens with a European Health Insurance Card (EHIC) can use public services. Non-EU students generally rely on private insurance, though some regions allow students to register with the public system after arriving.

Private insurance gives you access to shorter wait times, English-speaking doctors, and more flexibility in choosing specialists. For most international students, private insurance is the most practical option.

What to Do in an Emergency

In an emergency, go directly to the nearest hospital emergency room (urgencias) — they are required to treat you regardless of your insurance status. For non-emergencies, call your insurance provider’s helpline to find a nearby clinic or doctor.

Save your insurance company’s emergency number in your phone before you arrive. Keep a digital and physical copy of your insurance card and policy documents. If you need help choosing the right plan, our team can guide you through the options during a free consultation.