10 sept 2025
What Type of Health Insurance Do I Need to Study in Spain?
If you're planning to study in Spain, you'll soon learn that having the right health insurance policy is not just important—it’s mandatory. But what kind of insurance is accepted by Spanish consulates for student visas? Let’s break down exactly what you need to know.
Health Insurance Requirements for Student Visas
To be valid for a Spanish student visa, a health insurance policy must:
Be private, not public or travel insurance
Include full coverage with no co-payments or deductibles
Cover hospitalization, surgery, medical care, and emergencies
Be valid throughout your entire stay in Spain
Include medical repatriation and funeral transport
Be issued by a recognized insurance provider within Spain or approved internationally
If your insurance lacks any of these elements, your visa can be denied.
What NOT to Use
Many students make the mistake of:
Submitting travel insurance policies, which are insufficient
Using insurance with co-pays, which violates immigration rules
Purchasing incomplete plans from brokers unfamiliar with Spanish regulations
Travel insurance is not the same as medical insurance for immigration. Immigration policies require full health coverage with zero exclusions.
Insurance by Type of Visa or Stay
Short-term language courses (<90 days): Schengen travel insurance may be acceptable
University degree (Bachelor, Master, PhD): Full health insurance is mandatory
Student mobility programs (Erasmus+): Some countries provide coverage, but check validity
Training or internship (Arraigo or Formación): Same health coverage as student visa
What Should the Certificate Say?
The insurance certificate must clearly include:
Policyholder’s name and passport number
Exact dates of coverage
Statement of no co-payments or deductibles
Repatriation and hospitalization coverage
Certification that it meets Spanish immigration requirements
At Seguren, we ensure the certificate includes all legally required clauses and is provided in Spanish.
What Happens If You Submit the Wrong Insurance?
Unfortunately, consulates often reject visa applications due to non-compliant insurance. This leads to:
Loss of visa appointment
Delayed travel plans
Additional costs for new insurance and re-application
To avoid all this, use a trusted broker like Seguren to find an insurer who knows the specific wording and coverage required.
📍 Apply for Your Visa-Ready Health Insurance Now
We make sure your insurance is 100% approved by Spanish consulates, with certificates and coverage tailored for student visas.
👉 https://www.seguren.com/student-visa-health-insurance-for-spain
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