Health insurance for a Spanish student visa

No co-payments, no waiting periods, and the certificate your consulate asks for

If you’re coming to study in Spain and you’re not an EU citizen, the consulate won’t approve your visa without health insurance that meets very specific conditions. Not just any policy will do: it has to come from an insurer authorised to operate in Spain, cover 100% of your medical costs with no co-payments, no waiting periods and no cover limits, and stay valid for the whole period of your study authorisation.

As Allianz agents, we arrange these policies for students all over Spain. We prepare your quote, complete the application and the health questionnaire with you, and give you the specific certificate the embassy requires within 24–48 hours.

Allianz Salud, no co-payment

Health insurance for non-EU students who need the consulate certificate.

from

46€

/month

No co-payments and no waiting periods
100% cover with no spending limit
Consulate certificate in 24–48 h

Get my free quote

Allianz Salud, no co-payment

Health insurance for non-EU students who need the consulate certificate.

from

46€

/month

No co-payments and no waiting periods
100% cover with no spending limit
Consulate certificate in 24–48 h

Get my free quote

Allianz Salud, no co-payment

Health insurance for non-EU students who need the consulate certificate.

from

46€

/month

No co-payments and no waiting periods
100% cover with no spending limit
Consulate certificate in 24–48 h
No NIE or Spanish bank account needed
Nationwide medical network and dental

Get my free quote

Consulate requirements

What Spain actually requires to approve your student visa

This is where most applications fall down: many students buy travel insurance thinking it counts. It doesn’t. These are the requirements that apply to a student stay authorisation.

Insurer authorised in Spain

The company has to be listed in the DGSFP register of the Ministry of Economy:

Allianz Seguros is registered and authorised to operate in Spain.

A policy bought in your home country usually doesn't qualify.

You can check it yourself in the public DGSFP register.

No co-payment, no waiting periods and no limits

The cover has to be complete and active from the first day:

No co-payment: you pay nothing when you see a doctor, go to A&E or visit a specialist.

No waiting periods: the cover is active from day one.

No limits: it covers 100% of medical, hospital and outpatient costs.

It must cover the same risks as the Spanish National Health System (Law 16/2003).

Validity and paperwork

The consulate checks the dates and the language as closely as the cover itself:

Valid for the entire period of your stay authorisation.

Translated into Spanish, unless it is written in English.

With a Hague apostille if your paperwork requires one.

Insurer authorised in Spain

The company has to be listed in the DGSFP register of the Ministry of Economy:

Allianz Seguros is registered and authorised to operate in Spain.

A policy bought in your home country usually doesn't qualify.

You can check it yourself in the public DGSFP register.

No co-payment, no waiting periods and no limits

The cover has to be complete and active from the first day:

No co-payment: you pay nothing when you see a doctor, go to A&E or visit a specialist.

No waiting periods: the cover is active from day one.

No limits: it covers 100% of medical, hospital and outpatient costs.

It must cover the same risks as the Spanish National Health System (Law 16/2003).

Validity and paperwork

The consulate checks the dates and the language as closely as the cover itself:

Valid for the entire period of your stay authorisation.

Translated into Spanish, unless it is written in English.

With a Hague apostille if your paperwork requires one.

Why our policy qualifies

Requirement by requirement, no small print

Allianz Salud is issued expressly with no co-payment and no waiting period on every medical cover, and that is stated in writing on the certificate you present at the consulate. These are the two things worth knowing before you buy.

The only waiting period is childbirth

We'd rather tell you before you read it on the certificate: every medical cover is listed with a waiting period of “None” — A&E, specialists, lab tests, imaging, hospital stays, surgery, ICU, ambulance and dental. The only exception is childbirth, with the 8-month waiting period that is standard across the Spanish insurance market and cannot be waived by any company.

The only waiting period is childbirth

A policy that doesn't expire when you graduate

The “student” policies sold online are temporary, non-renewable products: they expire and disappear. Ours is a real Allianz health policy. If you finish your master's and stay on to work in Spain, it renews and stays with you, with the seniority you've built up and without going through a health questionnaire again.

A policy that doesn't expire when you graduate

Cover

What your policy includes, and from when

This is the list of covers that appears on the certificate you hand in at the consulate. Every one of them, without exception, with a waiting period of “None” and no financial cap inside the Allianz network, which brings together more than 50,000 professionals across Spain.

Everyday medical care

Available from day one, with no co-payment:

A&E at a medical centre, 24 hours a day.

Emergency doctor and nurse visits at home.

GP, paediatrics and nursing.

Specialist appointments, with no referral needed.

Diagnosis and tests

No waiting lists and no spending cap:

Simple and complex lab tests.

Simple and complex diagnostic imaging.

Diagnostic tests and complementary treatments.

Rehabilitation.

Hospital and surgery

Full cover within the Allianz network:

Medical and surgical hospital admissions.

Operations, cancer treatment and prostheses.

Intensive Care Unit (ICU).

Bloodless surgery.

And also

Included in the same premium, with no separate add-ons:

Ambulance and medical transport.

Pain clinic.

Medical assistance while travelling abroad.

Allianz dental cover included.

Everyday medical care

Available from day one, with no co-payment:

A&E at a medical centre, 24 hours a day.

Emergency doctor and nurse visits at home.

GP, paediatrics and nursing.

Specialist appointments, with no referral needed.

Hospital and surgery

Full cover within the Allianz network:

Medical and surgical hospital admissions.

Operations, cancer treatment and prostheses.

Intensive Care Unit (ICU).

Bloodless surgery.

Diagnosis and tests

No waiting lists and no spending cap:

Simple and complex lab tests.

Simple and complex diagnostic imaging.

Diagnostic tests and complementary treatments.

Rehabilitation.

And also

Included in the same premium, with no separate add-ons:

Ambulance and medical transport.

Pain clinic.

Medical assistance while travelling abroad.

Allianz dental cover included.

Prices

How much it costs, by age

The price depends only on the insured person’s age: there are no surcharges for your nationality, your university or the type of studies.

Request my quote

Up to 19 years old

Undergraduate, exchange and high-school programmes:

0–4 years — €63.00/month

5–19 years — €46.00/month

20 to 54 years old

The usual range for undergraduate, master's and PhD students:

20–44 years — €69.00/month

45–54 years — €78.50/month

55 to 64 years old

Researchers and senior programmes:

55–59 years — €99.00/month

60–64 years — €143.00/month

How to apply

How to arrange your policy, step by step

The whole process is done remotely, from your home country. You don’t need to be in Spain, have an NIE or hold a Spanish bank account. From sending us your documents to having the certificate in your hands usually takes 3 to 5 working days, so don’t leave the insurance until the week of your consular appointment.

Step 1 — Ask for your quote

Send us three things and we'll come back with the exact price for your age:

A copy of your passport.

The acceptance letter from your university or institution.

The date you want the policy to start.

Step 2 — Application and health questionnaire

The application is completed together with the health declaration:

Available in Spanish and in English.

Answer it honestly: an inaccurate declaration can cost you your cover.

If you already have another policy in force, send it to us so waiting periods can be waived.

Step 3 — Payment

Three ways to pay, and none of them requires a Spanish bank:

Direct debit from a Spanish IBAN.

Credit card valid for international payments.

Bank transfer to Allianz or to the agent.

Step 4 — Policy and certificate

The policy is issued and released within 24 to 48 hours:

The specific certificate for the embassy, in Spanish.

The particular conditions of your policy.

The general conditions of your policy.

The certificate

The document you hand in at the consulate

It isn’t the policy, the receipt or the health card. It is a separate document, issued and signed by the Health Department of Allianz Compañía de Seguros y Reaseguros, S.A. from its head office in Barcelona, confirming to the consulate that your policy meets the requirements.

Exactly what the certificate shows

The company's identification with its tax number and registry details, the policy number, the policyholder and the insured person, the start date, confirmation that it renews annually, the payment method, and the plan written out word for word: “Cuadro Concertado con Asistencia Primaria sin COPAGO” (network plan with primary care, no co-payment). And, above all, the full list of covers with its waiting period written next to each one.

Exactly what the certificate shows

Why it convinces the consular officer

Because it doesn't claim “no waiting periods” in the abstract: it lists every cover with the word “Ninguna” (none) written beside it. It is a verifiable document, not a marketing claim. We hand it to you together with the particular and general conditions of your policy, which are what govern the actual cover.

Why it convinces the consular officer

Sample Allianz health insurance certificate with no co-payment for a Spanish student visa, listing every cover with no waiting period

Common mistakes

Why visa applications get refused because of the insurance

These are the mistakes we see again and again, and every one of them is avoidable. Check them before your consular appointment: any single one is enough for a refusal, even if the rest of your file is perfect.

The wrong product

They are different policies, and the consulate can tell them apart:

Presenting travel insurance instead of health insurance.

Buying from an insurer not authorised to operate in Spain.

Conditions that invalidate it

The policy looks right and costs less, but it doesn't qualify:

Choosing the co-payment plan because it's cheaper.

A policy with waiting periods for hospital treatment or surgery.

Dates that don't line up

The quietest reason for a refusal:

Cover that is shorter than the stay you are applying for.

A start date later than your planned arrival in Spain.

Incomplete paperwork

Easy to sort out, but you need to plan for it:

A policy not translated into Spanish, unless it is written in English.

Official documents without the Hague apostille.

The wrong product

They are different policies, and the consulate can tell them apart:

Presenting travel insurance instead of health insurance.

Buying from an insurer not authorised to operate in Spain.

Dates that don't line up

The quietest reason for a refusal:

Cover that is shorter than the stay you are applying for.

A start date later than your planned arrival in Spain.

Conditions that invalidate it

The policy looks right and costs less, but it doesn't qualify:

Choosing the co-payment plan because it's cheaper.

A policy with waiting periods for hospital treatment or surgery.

Incomplete paperwork

Easy to sort out, but you need to plan for it:

A policy not translated into Spanish, unless it is written in English.

Official documents without the Hague apostille.

FAQs

Student visa health insurance: frequently asked questions

Is health insurance compulsory for a Spanish student visa?

Yes. Every non-EU student applying for a stay authorisation for studies must provide proof of public or private health insurance taken out with an insurer authorised to operate in Spain. Without it, the visa application is refused.

Will any health insurance policy do?

No. It has to cover all the risks covered by the Spanish public system, with no co-payments, no waiting periods and no cover limits, and be valid for the whole of your stay authorisation. Travel insurance, or a policy with co-payments, does not meet the requirements.

Does the policy have waiting periods?

Not for the medical covers. The certificate you present at the consulate lists every cover with the waiting period “None” beside it: A&E, specialists, lab tests, imaging, hospital stays, surgery, ICU, ambulance and dental. The only exception is childbirth, with the 8-month waiting period that is standard in the sector.

Can I arrange it from my own country, before travelling to Spain?

Yes. The whole process is remote. You send us your passport and acceptance letter by WhatsApp or email, and you receive the certificate by email without having set foot in Spain.

Do I need an NIE or a Spanish bank account?

No. You can take out the policy without an NIE, and pay by credit card or bank transfer if you haven't opened a Spanish account yet. Direct debit from a Spanish IBAN is only one of the three options.

How long does the certificate take?

The policy is released within 24 to 48 hours and the embassy certificate is issued from that moment. Counting the quote and the application, allow 3 to 5 working days from the time you send us your documents.

What do I need to send to get a quote?

Three things: a copy of your passport, the acceptance letter from your university or institution, and the date you want the policy to start.

Is the health questionnaire available in English?

Yes. We have the application and the health declaration in both Spanish and English, so you can complete it in whichever language you're comfortable with.

What if I have a pre-existing condition?

In most cases it doesn't prevent you from taking out the policy. What matters is declaring it: an inaccurate health declaration can lead the insurer to reduce or reject a future claim. Tell us and we'll assess it before anything is issued.

Does the policy cover repatriation?

A study visa is not a travel visa, and several consulates state expressly that repatriation is not required. The policy includes medical assistance while travelling abroad. Send us your case and we'll go through your consulate's requirement sheet with you.

What happens if my visa is refused?

Tell us as soon as you know and we'll look at your case with Allianz before the policy takes effect. That's why it's worth setting the start date carefully in step 1.

What happens when I finish my studies and stay to work in Spain?

Your policy renews and stays with you, with the seniority you've built up and without repeating the health questionnaire. That's one of the differences from temporary student policies, which expire and force you to start from scratch.

Can I insure my partner or my children too?

Yes. It can be arranged as a family group, with each insured person's premium based on their age. Mention it when you ask for a quote and we'll prepare the combined calculation.

How much does student visa health insurance cost?

It depends on your age. The 5 to 19 band starts at €46/month and the 20 to 44 band is €69/month, on the no-co-payment plan with primary care and dental included. Paying annually carries a 3% discount.

How do I check that Allianz is authorised in Spain?

You can look it up in the public register of insurers held by the Dirección General de Seguros y Fondos de Pensiones, on the Ministry of Economy website. It is the same register your consulate's requirement sheet refers to.

Start your application today

Send us your passport, your acceptance letter and the date you want the policy to start. We’ll come back with a no-obligation quote and, if it works for you, you’ll have the consulate certificate within days.

Email us

We arrange health insurance for non-EU students all over Spain — Madrid, Barcelona, Valencia, Seville, Granada, Málaga, Salamanca, Bilbao or Murcia — 100% remotely, by WhatsApp, email or video call. We are an exclusive Allianz agency with a physical office in Murcia, run by a registered agent listed in the DGSFP register: when you write to us, you get a person who knows the consular process, not a form.

Up to 12% OFF your TRAVEL INSURANCE

05d11h34m36s

Up to 12% OFF your TRAVEL INSURANCE

05d11h34m36s