30 ago 2025
Health Insurance Prices for Student Visas in Spain: What to Expect
If you're planning to study in Spain, one of the first things you’ll need is a health insurance plan that meets visa requirements. But how much does student health insurance in Spain actually cost? In this article, we’ll break down real prices, explain what affects them, and show you how to choose the right plan for your budget and visa approval.
Is health insurance mandatory for a student visa?
Yes. If you're a non-EU student, Spanish law requires you to purchase private health insurance before applying for your visa. This policy must:
Offer full medical coverage (equivalent to Spain’s public system)
Have no co-payments or deductibles
Cover you during your entire stay
Include repatriation and emergency assistance
Without a compliant health insurance certificate, your visa application will likely be denied.
So, how much does student health insurance cost in Spain?
Prices depend on a few key factors:
Your age
The length of your stay (usually 9 or 12 months)
Whether the insurer is based in Spain or abroad
Your health status and pre-existing conditions
In general, valid plans range from:
€300 to €600 per year, or
€25 to €50 per month
These prices reflect plans with no co-payments and full coverage, accepted by Spanish consulates.
What’s included in these prices?
A typical visa-approved student plan should include:
General and specialist consultations
Emergency services
Hospital stays and surgery
Diagnostic tests
Medication during treatment
Repatriation of remains (a visa requirement)
Watch out for “cheap” plans that don’t qualify
Some ultra-low-cost policies come with catches:
Hidden co-payments (not visa-compliant)
Long waiting periods for care
No repatriation included
Certificates not in Spanish or missing key legal clauses
Choosing the wrong plan can result in delays or outright visa denial. That's why Seguren works only with insurers approved for visa processing.
Case examples from real students
Anushka (India, 23 years) paid €380 for a full year of coverage and received her visa in 9 days.
Mateo (Colombia, 26 years) opted for a €298 9-month plan, issued and emailed within 24 hours.
Sarah (USA, 21 years) paid €460 for top-tier coverage including dental and repatriation.
Can I purchase insurance before arriving in Spain?
Yes. In fact, you should. You’ll need to present your health insurance certificate at your consulate appointment or when applying for a student residence permit.
We recommend starting your insurance coverage one week before your departure date, just in case of travel delays.
📍 Get a Custom Insurance Quote Now
At Seguren, we help students get affordable, visa-ready health insurance tailored to their age, stay length and embassy requirements. Get your personalized plan now:
👉 https://www.seguren.com/student-visa-health-insurance-for-spain
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