Health insurance for student visa in Spain
DKV Visado de Estudios is a health insurance for international students in Spain who need to prove health coverage for their student visa or study stay authorization.
equivalent to €35.77/month · paid annually
- No co-payments, no waiting periods and no deductible.
- Hospitalization, surgery, emergencies, specialists and diagnostic tests within the product's coverage.
- Healthcare through DKV's Compact medical network.
- Visa Estudiantes Certificate in under 24 hours to include with your application.
- Repatriation to your home country in the event of death.
Coverage of the health insurance for international students
Private healthcare cover for international students who need health insurance for their study stay in Spain.
Primary care
General practice and the primary care services included in the product's medical network.
Emergencies
Access to the emergency services included in the network and the product's terms.
Specialists
Consultations with the medical specialties included in DKV's medical network.
Diagnostic tests
Diagnostic tests and procedures included under the policy's terms.
Hospitalization
Hospitalization included within the scope of the policy's healthcare cover.
Surgery
Surgical procedures covered according to the general and specific terms.
No co-payments, waiting periods or deductible
There are no per-use co-payments, waiting periods or deductibles under this product's terms.
Repatriation
Includes repatriation to your home country in the event of death, according to the policy's terms.
Healthcare is provided through DKV's Compact medical network. You can look up doctors and centers in DKV's official doctor finder.
Who is this student insurance for?
It's designed for international students who are going to study in Spain and whose visa or stay authorization procedure requires proof of private health insurance.
The immigration procedure can vary depending on the type of studies, your nationality, and where you submit your application. For example, citizens of the EU, EEA or Switzerland follow a different regime to the student visa for third-country nationals.
Before you apply: tell me your nationality, type of studies, city, and where you'll submit your application. That way we can check that the insurance documentation matches your specific procedure.
Price of the health insurance for student visa in Spain
The price of DKV Visado de Estudios is calculated by age and uses a nationwide rate. Payment is annual; we also show the monthly equivalent purely to make comparison easier.
| Age | Monthly equivalent | Annual payment |
|---|---|---|
| 0 to 15 years | €32.94 | €395.28 |
| 16 to 24 years | €35.77 | €429.24 |
| 25 to 34 years | €40.47 | €485.64 |
| 35 to 40 years | €44.71 | €536.52 |
| 41 to 44 years | €85.47 | €1,025.64 |
| 45 to 50 years | €93.27 | €1,119.24 |
| 51 to 54 years | €104.42 | €1,253.04 |
| 55 to 59 years | €119.23 | €1,430.76 |
| 60 to 64 years | €143.05 | €1,716.60 |
| 65 to 69 years | €177.56 | €2,130.72 |
| 70 to 74 years | €211.97 | €2,543.64 |
| 75 to 79 years | €237.71 | €2,852.52 |
Rates shown for DKV Visado de Estudios. Prices per person, taxes included, subject to the group policy's contracting terms. Age and effective date determine the applicable bracket. Always request a personalized quote before taking out the policy.
What the insurance must meet for a student visa in Spain
For foreign nationals subject to the study stay regime, health insurance is one of the required documents for the application. Spain's official Migraciones fact sheet requires holding a health insurance policy with an insurer authorized to operate in Spain, with benefits similar to those provided under the National Health System's basic common package.
In addition, the consular office handling the visa may set out exactly how coverage must be evidenced. Some consulates expressly specify conditions such as no co-payments, no waiting periods or deductibles, and coverage for the required period.
| What to check | DKV Visado de Estudios |
|---|---|
| Insurer authorized to operate in Spain | DKV Seguros |
| Healthcare through a medical network | Yes · Compact medical network |
| No co-payments | Yes |
| No waiting periods | Yes |
| No deductible | Yes |
| Hospitalization and surgery | Included under the product's terms |
| Certificate to prove the insurance | Visa Estudiantes Certificate in under 24 hours |
| Coverage dates | Must match your application's requirements and the contracted effective date |
Official sources: check the Migraciones fact sheet on study stays and the instructions from Consular Services, Ministry of Foreign Affairs for the country where you'll submit your application.
Can I take out the insurance from outside Spain?
Yes. You can start the process before traveling to Spain while you prepare your visa. It can be arranged with your passport and the required study documentation, without having to be physically in Spain.
You don't need an NIE to start the process — it's arranged with your passport. I'll confirm the price for your age and the dates you need, review the documentation required to issue the policy, and once it's issued, send you the certificate within 24 hours for your application.
Lead time: the application can be prepared up to 90 days before the requested effective date.
What you need to take out the student insurance
To process your application correctly, I need to check your personal details, your study program and the insurance dates. You'll usually need:
How to take out DKV Visado de Estudios
A straightforward process to get your health insurance and the documentation you need for your application.
Request your quote
Send me your date of birth, nationality, city of study and expected start date.
Send the documents
Passport and the certificate from your study center confirming your student status.
Complete the contract
We confirm the effective date and applicable price, and you make the annual payment for the policy.
Get your certificate
I'll send you the Visa Estudiantes Certificate within 24 hours to attach to your application.
Plan ahead: the application can be arranged up to 90 days before the requested effective date.
What if my visa is denied? If the visa is denied before the insurance start date, I'll refund the full premium. If the denial comes after the policy has already started, I'll refund the unused proportional amount.
Insurance certificate for the student visa
Once the policy is confirmed, I'll send you the Visa Estudiantes Certificate within 24 hours to include with your application. The certificate proves the details of the policy to the body handling your application.
The insurance documentation does not replace the other visa requirements. Always check the up-to-date instructions from the consulate or immigration office relevant to your case.
Important: submit the certificate issued by the insurer along with any additional proof your consulate requires. A quote, proposal, or pending application may not be sufficient.
Health insurance or travel insurance for a student visa: they're not the same
A standard travel insurance policy is mainly designed for incidents during a trip and may not offer the cover required for a study stay. Before you buy, check what the product actually covers and what certificate you'll receive.
| What to check | Standard travel insurance | DKV Visado de Estudios |
|---|---|---|
| Main purpose | Incidents during a trip | Healthcare cover for a study stay |
| Routine medical care | Depends on the product and its limits | Primary care, specialists and tests under the policy |
| Hospitalization and surgery | May be limited or capped | Included under the product's terms |
| Co-payments | Depends on the product | No co-payments |
| Waiting periods | Depends on the product | No waiting periods |
| Medical network in Spain | May not have a contracted network | Compact medical network |
| Specific certificate | May be insufficient for immigration purposes | Visa Estudiantes Certificate in 24h |
| Payment method | Depends on the product | Annual payment |
Need health insurance for your student visa?
I'll confirm the price, arrange the policy, and prepare the certificate for your application.
Other insurance and immigration procedures in Spain
Health insurance for NIE
General requirements for health insurance used in immigration procedures.
See the NIE guide →Health insurance for a Spanish visa
General guide to choosing coverage based on your visa, residency or stay type.
See the visa insurance guide →Health insurance for family reunification
Information for family members who also need to prove health coverage.
See family reunification insurance →Note: the NIE and family reunification guides above link to their Spanish versions — replace with the English URLs once confirmed.
Frequently asked questions about health insurance for a student visa
Is health insurance mandatory for a student visa in Spain?
For foreign nationals subject to the study stay authorization, Migraciones requires holding a health insurance policy with an insurer authorized to operate in Spain, with benefits similar to the National Health System's basic common package.
How much does health insurance for a student visa in Spain cost?
The price of DKV Visado de Estudios depends on age. For someone aged 16 to 24, the premium shown in this rate is €429.24 per year, equivalent to €35.77 per month. Check the table for the other age brackets, and always ask for confirmation of the price that applies to your effective date.
Is DKV Visado de Estudios valid for a student visa?
It's a health insurance product designed for international students who need to prove health coverage for a visa or study stay authorization application in Spain. Always check the specific instructions from the consulate or office handling your application.
Does it have co-payments, waiting periods or a deductible?
No. DKV Visado de Estudios comes with no co-payments, no waiting periods and no deductible.
What's the difference between a co-payment, deductible and waiting period?
A co-payment is an amount you pay when using certain services. A deductible is an amount you cover before the insurance starts paying out. A waiting period is an initial period during which certain benefits aren't yet available.
Can I take out the insurance before traveling to Spain?
Yes. You can start the process from your home country and prepare the documentation before traveling to Spain. The application can be arranged up to 90 days before the effective date.
Do I need an NIE to take out the insurance?
You don't need an NIE to start the process. It's arranged with your passport as ID, along with the certificate from your study center confirming your student status.
What documents do I need to take it out?
You'll need your passport and the certificate from your study center confirming your student status, along with the requested coverage dates and your personal and contact details.
How is DKV Visado de Estudios paid?
Payment is annual. The monthly equivalent shown in the table is purely to make comparison easier; the premium is paid in full in a single payment when you take out the policy.
What certificate will I get for my visa?
Once the policy is issued, I'll send you the Visa Estudiantes Certificate within 24 hours to include with your application. Submit it along with any additional proof your consulate or immigration office requests.
What happens if my visa is denied?
If the visa is denied before the insurance start date, I'll refund the full premium. If the denial comes after the policy has already started, I'll refund the unused proportional amount.
Does the insurance need to cover my whole study stay?
Coverage dates must match the period required for your application and the instructions of the office where you submit it. Some consulates set additional margins around the study dates, so it's worth checking before fixing the effective date.
Does it work for a master's, bachelor's, PhD, Erasmus or exchange program?
It can be used when your program and the relevant immigration procedure require you to prove private health insurance. For Erasmus and exchanges, you need to check your nationality and the applicable regime, since citizens of the EU, EEA or Switzerland follow different rules to third-country nationals.
Is travel insurance enough for a student visa?
Not necessarily. Travel insurance is mainly designed for incidents during trips and may not offer healthcare cover equivalent to what's required for a study stay. Some consulates explicitly exclude travel or bank-provided insurance.
Does it also work to renew or extend a study stay?
It can, when you need to prove health insurance again for a renewal or extension and the coverage dates match the required period. Check the current requirements of your application before renewing or taking out a new policy.
Does the price change depending on where I study?
The product uses a single nationwide rate. Price is determined mainly by age bracket and the applicable contracting terms.
Does it include repatriation?
Yes. It includes repatriation to your home country in the event of death, according to the policy's terms.
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