Sanitas International Students: insurance for your Spain student visa

For the student visa in Spain, the Sanitas policy is Sanitas International Students: insurance for students aged 14 to 35, with no copays and no waiting periods, full coverage in Spain, emergency care on trips abroad of up to 90 days and repatriation in the event of death. It meets what consulates ask for the student visa: an insurer authorized in Spain, full healthcare coverage, no copays, no waiting periods and repatriation. You take it out with your passport and enrollment, for stays from 3 months to 1 year, and it can be extended while you keep studying. If you need it to last longer, write to us and we will look at it together. If you are under 14 or over 35, the right policy is Residents Visado (and if you turn 36 while on International Students, it covers you until the end of that month), also with no copays or waiting periods, up to age 75. In both cases Sanitas issues the certificate for the consulate within 24 hours, in Spanish or English; it can take up to 48 hours only if there are pre-existing conditions to assess or you pay by bank transfer. Under the Sanitas rates of April 2026, International Students costs between €47.18 and €67.79 a month in Madrid, depending on your age.

You can take it out with us, the Sanitas Office Majadahonda: we are an exclusive agency of Sanitas (ANYO HEALTH SL, DGSFP code C0320B67816207), so the policy is a Sanitas policy and Sanitas issues the certificate, but you handle the whole process with real people you know by name. Most students take it out from their home country before traveling, by email, WhatsApp or video call, in English, Spanish, German, French, Italian, Portuguese, Russian or Chinese, with the start date set for the day you arrive in Spain. All you need is your passport and enrollment, which you send us by WhatsApp or by email. If your parents handle it, we talk to them directly. And once you're here, you have our office in Majadahonda for anything you need, including renewing your TIE every academic year. Our clients rate us 5.0 on Google, with more than 420 reviews.

It depends on your age and province. For example, €60.22/month at age 20 in Madrid (Sanitas rates of April 2026). The calculator on this page gives you your exact price with your age and province, without asking for personal details. You can pay monthly, quarterly, half-yearly or annually, never for longer than your stay.

Yes, this insurance works for the Type D student visa. It meets every requirement the consulate checks: an insurer authorized to operate in Spain, coverage equivalent to the public healthcare system's service portfolio, no copays, no waiting periods, and repatriation in the event of death included. The certificate Sanitas issues states all of this explicitly, point by point, which is exactly what the official reviewing your application looks for, and you receive it guaranteed within 24 hours (up to 48 h with pre-existing conditions or payment by bank transfer), in Spanish or English depending on what your consulate requires. The same insurance then serves to formalize your university enrollment and, every academic year, to renew your TIE (Foreigner Identity Card) with the immigration authorities, so you won't need to switch policies during your studies. If your consulate requires any specific wording on the document, let us know and we'll review it before requesting it.

If you are an EU citizen with a valid European Health Insurance Card, for an Erasmus stay you typically don't need to take out mandatory private insurance. Even so, many European students get one voluntarily to avoid public healthcare waiting times and to have direct access to specialists, 24-hour video consultations and emergency care with no queues. The situation is completely different if you're coming from outside the EU: then private health insurance with no copays or waiting periods is mandatory to obtain the student visa and to renew your TIE every academic year. There are also in-between cases, such as long stays spanning several academic years or internships, where it's worth checking the fine print of your card. Tell us your specific situation and our office will confirm, free and with no obligation, whether you really need the policy or whether your European card already covers you.

Yes, you can take it out from your home country before traveling, and in fact that's the usual process: the consulate requires the insurance before granting your visa, so the policy is arranged remotely with an effective date matching your arrival day in Spain. That way you don't pay for coverage on days you won't use and you land already insured, including for emergencies. The whole process is handled by email and video call, in any of our eight languages, and you receive the Sanitas certificate as a PDF guaranteed within 24 hours (up to 48 h with pre-existing conditions or payment by bank transfer) to attach directly to your application. If your country's consulate requires the document in English or proof of the premium paid, we send that too. And if your parents prefer to handle it from your home country, we speak with them by WhatsApp or video call.

You can request a refund by submitting the consulate's official visa denial. Our office helps you file the request with Sanitas, which handles the refund according to its terms.

To renew your student residence authorization you need to prove to the immigration authorities that you remain insured, under a policy that keeps the same terms: no copays, no waiting periods and full coverage. This is the step where most students get stuck, because the appointment arrives and last year's certificate no longer applies. Our system is simple: we notify you before the policy expires, renew it for the following academic year, and send you the updated Sanitas certificate guaranteed within 24 hours (up to 48 h with pre-existing conditions or payment by bank transfer), ready for your immigration appointment. You can renew it up to age 35; if you turn 36, the insurance covers you until the end of that month. That way coverage stays continuous, with no gap between one academic year and the next, which is exactly what the official checks. It's the situation where having an office behind you, rather than an online policy, is most appreciated: a real person remembers your renewal for you.

Yes, medical care for injury or illness is covered across all of Spain, including injuries from non-professional sports and those arising during your curricular internship at a company. It doesn't matter whether the injury happens on campus, at the gym, or in another city where you're doing your internship: coverage is nationwide and doesn't depend on where you study. You would have specialist consultations, diagnostic tests, physiotherapy and rehabilitation, 24-hour emergency care and, if needed, hospitalization and surgery, all with no copays. Extreme sports and federated competition are the exception: they have specific terms, since they usually require a sports federation license with its own sports insurance. If you compete or practice any high-risk activity, ask us about your specific case before signing up and our office will tell you exactly what's covered and what isn't.

Yes, your parents can manage the insurance on your behalf, and in fact it's very common: in many cases they are the ones who take out and pay for the policy from your home country before the student travels to Spain. We speak with them by phone, WhatsApp or video call, in any of our eight languages (Spanish, English, German, French, Italian, Portuguese, Russian and Chinese), explain the coverage and visa requirements, and answer their questions just as we would in our office. On the policy we list both the student and the family as contacts, so both of you receive the important notices: each academic year's renewal, the certificate for the TIE, or any pending paperwork. For many families, this is the greatest peace of mind in the whole process: knowing there's a physical office in Madrid, with real people, looking out for their child thousands of miles away.