Medical Insurance Requirements for Student Visa

To obtain a student visa in Spain, one of the most important requirements is to have medical insurance that meets certain conditions established by Spanish legislation. This insurance is crucial to ensure medical attention for the student during their stay in the country. Below are the main requirements that medical insurance must fulfill for the student visa.

What is medical insurance for students?

Medical insurance for students is a healthcare assistance contract that must provide adequate coverage during the time the student stays in Spain. This insurance is particularly relevant for those students coming from countries outside of the European Union who do not have access to the Spanish health system.

Medical Insurance Requirements

Below are the requirements that medical insurance must fulfill for the student visa:

1. Minimum Coverage

The medical insurance must offer a minimum coverage of €30,000. This amount ensures that the student can face any medical eventuality requiring urgent care, hospitalization, or repatriation in case of serious illness or accident.

2. Coverage of Medical and Hospital Expenses

It is essential that the insurance includes coverage for medical and hospital expenses. This means that the plan must cover medical consultations, treatments, diagnostic tests, and any type of surgical intervention that may be necessary during the student's stay.

3. Validity Throughout Spanish Territory

The insurance must be valid throughout Spain. This ensures that the student can access health services in any location where they may be during their stay.

4. No Copayments

The insurance must not have copayment clauses, meaning that the student should not have to pay any part of the medical expenses when receiving care. This is crucial to avoid financial problems in emergency situations.

5. Assistance in Spanish and English

The assistance service of the medical insurance must be available in at least Spanish and English. This is important to ensure that the student can communicate effectively in case they need medical attention.

Required Documentation

To submit the visa application, the student must include a copy of the medical insurance contract that meets the aforementioned requirements. Additionally, it is recommended that the medical insurance be contracted before submitting the application to avoid delays in the process.

Conclusion

Having adequate medical insurance is a crucial step for any student wishing to study in Spain. Ensuring that the insurance meets all legal requirements will not only facilitate the visa acquisition but also guarantee peace of mind and access to necessary medical care during their stay.

Written by:
Javier Dominguez
Expert Immigration Lawyer
Publication Date: April 7, 2026

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