Health Insurance Requirements
for Spain Student Visa

Private health insurance from a Spanish-registered insurer. No co-payments, no deductibles. Minimum €30,000 annual medical coverage. Coverage across all of Spain. Valid for the full duration of your course. Travel insurance and EHIC/GHIC are not accepted.

Not unless it is a private Spanish health insurance policy from an insurer registered in Spain. UK private health insurance, US health insurance, or Australian private health insurance policies are generally not accepted — they are not registered in Spain and do not meet the specific requirements.

The policy itself is usually issued in Spanish by a Spanish insurer. If you are buying from a Spanish insurer, the policy will be in Spanish. If you have an international policy, you may need to provide a Spanish summary or work with our team to verify it meets requirements.

The policy must be active from no later than the date you plan to enter Spain. Consulates typically want the policy to be active at or before your appointment, or at a minimum, activating before your intended travel date.

Working or studying in Spain with expired health insurance means you are in breach of your visa conditions. At renewal, an expired policy is a common refusal ground. Always renew your policy before it expires.

Mental health cover is not a specific requirement listed by Spanish consulates for the student visa. The required minimum is general medical coverage (GP, specialist, hospital, emergency) with no co-payments, no deductibles, and €30,000+ annual cover. Mental health coverage, if offered, is an addition rather than a requirement.

Repatriation cover is not a stated requirement for the Spain student visa health insurance. The consulate checks specifically for: private health insurance from a Spanish-registered insurer, no co-payments, no deductibles, €30,000+ annual coverage, all Spain, and valid for the full course. Repatriation is a travel insurance feature, not a health insurance requirement.

The minimum is €30,000 annual medical coverage. Most student-specific Spanish health insurance policies offer unlimited or €300,000+ limits — check the stated limit in your policy schedule before submitting your application.

The insurer must be registered in Spain — not just in Europe. An EU insurance company not registered in Spain does not satisfy the requirement. The policy must be issued by an entity with a registered presence in Spain as a private health insurer.

Bring the complete policy document (póliza) rather than a summary or confirmation email. If the officer has questions, you should be able to point to the specific clause confirming no co-payments, no deductibles, the coverage limit, and the coverage dates. Working with an immigration specialist ensures your documentation is complete before the appointment.

Your health insurance policy must be valid and cover the renewal period at the time you submit your renewal application. Do not let your policy lapse waiting for your renewal to be processed. Renew your health insurance first, then submit your visa renewal with the new policy document included.

There is no specific requirement for prescription medicines to be included. The consulate checks for the four main conditions: no co-payments, no deductibles, €30,000+ coverage, and all Spain coverage. Standard private health insurance from Spanish insurers typically includes specialist-prescribed treatments.