“Studying in Spain? Don’t Get Stuck With a €10,000 Hospital Bill!”
Imagine this: You’re enjoying your study abroad adventure in Barcelona when suddenly—food poisoning strikes. The hospital visit costs €800, but your insurance only covers €200. Now you’re scrambling to pay the difference while trying to focus on exams.
This nightmare scenario happens to thousands of international students every year—but it doesn’t have to happen to you.
After researching dozens of plans and talking to students across Spain, we’ve identified the 5 best health insurance policies that provide real protection without breaking the bank.
In this guide, you’ll discover:
✔ The exact policies students recommend
✔ What each plan covers (and what they don’t)
✔ How to avoid common insurance traps
✔ FAQs about health insurance in Spain
Let’s find you the perfect coverage!
1. Sanitas Estudiante Internacional – Best Overall
Why Students Love It:
✅ Full coverage at all public hospitals
✅ English-speaking doctors available
✅ Includes dental emergencies (rare for student plans)
Key Details:
- Cost: ~€45/month
- Special Perk: Free telehealth app with 24/7 support
- Best For: Students who want worry-free comprehensive care
“Saved me when I broke my arm skiing in the Pyrenees—zero bills!”
—Liam, UK student in Madrid
2. Adeslas Ñ – Most Affordable
Why Students Love It:
✅ Just €33/month (cheapest quality option)
✅ Covers COVID-19 treatment
✅ Quick online claims
Key Details:
- Cost: €33-38/month
- Special Perk: Discounts at partnered pharmacies
- Best For: Budget-conscious students in good health
“Paid only €5 for my allergy meds that cost €60 back home.”
—Sophie, Canadian student in Valencia
3. MAPFRE Salud – Best for Pre-Existing Conditions
Why Students Love It:
✅ Covers some chronic illnesses (with doctor’s note)
✅ No copays for specialist visits
✅ Includes mental health services
Key Details:
- Cost: ~€52/month
- Special Perk: Free annual check-up
- Best For: Students with asthma, diabetes, etc.
“Finally found a plan that covers my asthma inhalers.”
—Raj, Indian student in Granada
4. Allianz Care – Best for EU Students
Why Students Love It:
✅ Works across Europe (perfect for travelers)
✅ Covers repatriation (if you need to go home)
✅ English/German/French support
Key Details:
- Cost: ~€40/month
- Special Perk: Adventure sports coverage (hiking, surfing)
- Best For: Erasmus students exploring multiple countries
“Got treated in France and Portugal with zero hassle.”
—Elena, Italian student in Seville
5. AXA Seguros – Best Premium Option
Why Students Love It:
✅ Private hospital access (no waiting lists)
✅ Includes vision care (glasses/contacts)
✅ 24/7 English helpline
Key Details:
- Cost: ~€65/month
- Special Perk: Second medical opinion service
- Best For: Students who want luxury healthcare
“Saw a specialist in 2 days instead of waiting 3 months.”
—Omar, UAE student in Barcelona
FAQs About Health Insurance in Spain
❓ Is health insurance mandatory for students in Spain?
✅ Yes! You must show proof of coverage to get your student visa.
❓ What’s the cheapest acceptable insurance?
💰 Around €30/month, but confirm it meets visa requirements.
❓ Does Spanish insurance work in other EU countries?
🌍 Some do (like Allianz)—check before traveling.
❓ What’s NOT typically covered?
⚠ Pre-existing conditions (unless declared), cosmetic procedures, extreme sports injuries.
❓ How do I make a claim?
📱 Most use apps now—just upload your bill.
❓ Can I use my home country’s insurance?
✈ Usually no—Spain requires specific local coverage.
3 Common Traps to Avoid
- “Basic” plans that don’t meet visa requirements
- Always verify with your university
- Hidden copays
- Some charge €20-50 per doctor visit
- Slow reimbursement policies
- Look for “direct billing” where possible
How to Choose Your Perfect Plan
Ask Yourself:
- What’s my budget? (€30-65/month)
- Do I have special health needs?
- Will I travel outside Spain?
Pro Tip:
Your university’s international office often has exclusive discounts—ask before buying!
Next Steps to Get Covered
- Compare plans using this guide
- Check visa requirements with your school
- Sign up online (most take <15 minutes)
Need help deciding? Comment with your situation below—we’ll suggest the best option!