Health Insurance 2026
Spain Student Visa
Spain Student Visa
Health Insurance
The consulate will not issue your visa without the right health insurance. Here is exactly what is required — no co-payments, €30,000 minimum cover, all Spain — and what policies qualify.
€30,000
Minimum medical cover
€0
Co-payments or deductibles
All Spain
Coverage must cover all Spain
Full term
Cover your full course duration
What Is Required
Spain Student Visa Health Insurance Requirements
Spain student visa health insurance is one of the non-negotiable requirements. The consulate will not issue your visa without a valid policy meeting all four criteria. Understanding what qualifies — and what doesn't — before you purchase saves you from an expensive mistake.
✓ Accepted Policies
- Private health insurance from an insurer registered in Spain
- Coverage across all of Spain (not just one region)
- Minimum €30,000 medical coverage per year
- No co-payments (copagos) on any consultation or treatment
- No deductibles (franquicias) on any claim
- Policy valid for the full duration of your course
- Cover includes hospitalisation, GP, specialist, emergency
✗ Not Accepted
- Travel insurance (not a private health insurance policy)
- UK NHS or any public health system coverage alone
- EHIC / GHIC European health cards
- Policies with any co-payments or consultation fees
- Policies covering less than the full course duration
- International health insurance not registered in Spain
- Policies covering only one region of Spain
Guides
Spain Student Visa Health Insurance — Everything You Need to Know
📋
What Does the Consulate Require?
Every specific requirement for health insurance for the Spain student visa — from the coverage level to the exact policy conditions consulates check.
🏆
Best Policies for Spain Student Visa
Which health insurance providers are accepted by Spanish consulates for student visas — what to look for and how to choose the right policy.
💶
Health Insurance Cost for Spain Student Visa
How much Spain student visa health insurance costs in 2026 — typical price ranges, what affects the premium, and how to find an affordable policy.
FAQ
Health Insurance — Questions Answered
Private health insurance from a registered Spanish insurer, covering all of Spain for the full duration of your course. Must have no co-payments, no deductibles, and a minimum of €30,000 medical coverage per year. Travel insurance and EHIC/GHIC cards are not accepted.
No. Travel insurance does not qualify for the Spain student visa. You need a private health insurance policy from a registered Spanish insurer, not a travel insurance product.
No. The European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) is not accepted for Spain student visa purposes. You need a private Spanish health insurance policy meeting specific requirements.
Yes — your policy must cover the entire duration of your course in Spain. The consulate will check that the policy's end date matches or exceeds your course end date.
A minimum of €30,000 medical coverage per year, with no co-payments and no deductibles. Coverage must extend across all of Spain, and must include GP, specialist, hospitalisation, and emergency treatment.
Yes — for each visa renewal, you need health insurance valid for the new authorisation period. Your existing insurer can simply renew the policy. Expired health insurance is the most common avoidable renewal refusal ground.
The most widely accepted providers are Sanitas (via the Más Salud Sin Copago plan), Adeslas, Asisa, and Cigna España. All must provide no co-payment, no deductible plans with a minimum €30,000 annual coverage across all of Spain.
Most students under 30 pay approximately €150–350 per year for a qualifying policy. The exact cost depends on age, policy duration, insurer, and coverage level. Student-specific visa-compliant policies are among the most affordable private health insurance products in Spain.
Yes — and you must. The consulate requires proof of health insurance as part of your initial visa application, so you need to purchase a qualifying policy before your appointment. Most Spanish health insurers allow you to apply online from outside Spain.
Bring the full policy document (póliza) or certificate of insurance showing your name, policy dates, coverage level (€30,000+), and explicit confirmation of zero co-payments and zero deductibles. Print it — do not rely on showing it on a phone screen at the consulate.
Dental cover is not a formal requirement for the Spain student visa health insurance. The required coverage is general medical — GP, specialist, hospitalisation, and emergency care. Dental cover, if included, is a bonus but not a condition of acceptance.
Only if it is issued by an insurer registered in Spain, has no co-payments, no deductibles, €30,000+ annual coverage, and covers all of Spain. Most international policies issued outside Spain do not meet all these criteria. Check with your immigration specialist if you are unsure.