Getting Health Insurance in Spain: Options and Recommendations for International Students

As an international student in Spain, having proper health insurance is not only a necessity but also a legal requirement. This article will guide you through the available options and provide recommendations for choosing the best coverage for your academic stay.

The Importance of Health Insurance for International Students

1. It is a legal requirement to obtain a student visa.

2. It guarantees access to quality healthcare without unexpected costs.

3. It provides peace of mind during your academic stay.

Public Insurance: European Health Insurance Card (EHIC)

If you are a citizen of the European Union (EU), the European Economic Area (EEA), or Switzerland, you can use the European Health Insurance Card (EHIC) to access public healthcare services in Spain. However, keep in mind that:

• The EHIC only covers medically necessary and emergency treatments.

• It does not cover all services you might need during a prolonged stay.

Private Health Insurance

For non-European students or those seeking more comprehensive coverage, private health insurance is the most recommended option. These insurances must meet certain requirements to be accepted by Spanish authorities:

1. Comprehensive healthcare coverage without co-payments.

2. No medical expense limits.

3. No waiting periods.

4. Valid throughout Spain.

5. Includes repatriation in case of serious illness or death.

Comparison of Health Insurance for Students

Several companies offer health insurance plans specifically designed for international students in Spain. Here are some popular options:

1. Sanitas International Students:

   • Designed for students aged 14 to 35.

   • Full coverage without co-payments or waiting periods.

   • Includes dental insurance and telemedicine services.

   • Price: from €38 per month.

2. Asisa International Students:

   • Flexible duration (minimum 3 months, maximum 12 months).

   • No health questionnaire required.

   • Includes dental insurance and coverage for accidental death.

   • Price: varies based on the duration of the stay.

3. Swisscare for International Students in Spain:

   • Unlimited surgical hospitalization.

   • Meets visa requirements.

   • No co-payment, no deductible, and immediate rights.

   • Price: from €31.90 per month.

4. AXA Assistance for Foreign Students:

   • Medical expenses coverage up to €3,000 within Spain.

   • Affordable option for short stays.

   • Price: from €0.71 per day.

Recommendations for Choosing Your Health Insurance

1. Check Visa Requirements: Ensure the insurance meets all the requirements set by Spanish authorities.

2. Consider the Duration of Your Stay: Some insurance plans offer better rates for longer stays.

3. Assess Your Specific Needs: If you have pre-existing medical conditions or plan to travel around Europe, look for an insurance plan that covers these needs.

4. Compare Coverage and Prices: Don't just go for the lowest price; make sure the coverage is adequate.

5. Read the Terms Carefully: Pay attention to the exclusions and limitations of the policy.

6. Check the Provider Network: Make sure the insurance has a wide network of doctors and hospitals in your area of residence in Spain.

7. Consider Additional Services: Some policies offer extra services like telemedicine or dental coverage, which can be very useful.

Conclusion

Getting adequate health insurance is a crucial step in preparing for your studies in Spain. Although it may seem like an extra expense, the peace of mind and protection it offers are invaluable. Take the time to research and compare the available options, ensuring that the policy you choose meets both legal requirements and your personal needs. With the right coverage, you can focus on your studies and fully enjoy your academic experience in Spain, knowing that you are protected in case of any medical eventuality.

If you have more questions, don’t hesitate to contact us!