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Insurance in Spain Health Insurance

International Student Insurance in Spain

April 23, 2024

So you've decided to try Spain as a country to study in? Well done! Spain is one of the most welcoming countries and full of experiences. Pack your suitcase, we're leaving.

Next steps: Are you looking to discover the best way to be insured for your healthcare needs when spending time in Spain as a student? Look no further, you've come to the right place. In this article you will find all the details of one of the best student health insurance options you will find on the market as a foreigner coming to study in Spain.

students using international student insurance


Do I need international student insurance in Spain?

Recently, the EU countries have officially come out of the blockade due to Covid-19 and the channels for international students to come to Spain have been reopened. At last, the world is back to normal and Spain is once again a destination for students from all over the world. Some students will come to do internships in Spanish companies, others will take part in the Erasmus exchange programme or start an MBA here. It is a whole world of possibilities… What is your case?

Whatever the case may be, when you reside in Spain as a foreigner for more than 3 months, you need a special health insurance. Keep an eye out, normally the health insurance coverage from your home country has a validation of a maximum of 90 days. After that you will need a local health insurance or a special travel insurance.

So, to answer your question, yes, all people studying in Spain will need some kind of international student insurance in Spain. Don't worry, it's easy. We will help you.

But there are some differences depending on your country of origin. Here we explain them to you in detail.


EU vs. Non-EU Students

First, we must differentiate between two types of students: EU or non-EU students. When you are from one of the EU countries and you can obtain a NIE, you can choose between a health insurance through the Spanish government or contracting a private health insurance. A curious fact: According to WHO (World Health Organization) Spain is among the best public healthcare systems in the world. So, whichever option you choose, you can always feel safe.

In case you come from a non-EU country, your options are limited: you can only opt for a private health insurance.

Take note that most Spanish private health insurance companies only allow 12-month coverages, and in most cases, you will have to pay for the complete policy year upfront. which can be a significant expense that you may not have anticipated. Also, if you don't have a NIE, your choice of private health insurance will be a little more limited because for most insurance packages the insurance company requires the NIE. If you don't want that to be a problem, click here and find out how to get a NIE in this free guide.


Caser Student Health Insurance

Caser Expat Insurance offers a complete line of insurance for foreigners in Spain through their website. This website is completely in English with an English-speaking helpdesk (as well as other language offerings). It's so easy. So you can focus on studying, instead of worrying about your health insurance.

Caser Expat Insurance offers the following student insurance in Spain with regard to health insurance:

Caser Adapta + Dental - Health Insurance

  • Complete coverage. The only exclusions are psychiatric hospitalization and treatment for sterility or infertility.
  • No co-payments(a requirement when obtaining the NIE).
  • In the case you don’t have a NIE, you can contract this policy on the condition of paying on a half-yearly or yearly base.
  • You can pay through a foreign bank account.
  • Policy in English


friends happy about international student insurance

In the case of the Adapta health insurance option, a dental coverage is included. You will be able to visit dental clinics in bigger cities in Spain or local dentists that work together with Caser Expat Insurance. The coverage includes a yearly free check-up and a basic cleaning. If you need further treatment, you will only have to pay a very reduced price compared to clients who do not have this type of insurance.

Very complete, isn't it? With this option, you will have a particularly complete coverage during your stay in Spain. You can visit doctors, specialists and hospitals that cooperate with Caser. If you want to have a look, find them in the Medical Guide!

We know that choosing the right insurance is very important. That's why our insurance covers all kinds of needs such as medical specialities, tests, hospitalisation, emergencies, the option to ask for a second opinion, home visits and 24-hour assistance.

We know, it's a lot of information in one go. Take your time and if you need more info on Adapta health and dental insurance, the perfect policy for students in Spain, click here. And if you prefer yo speak to one of our agents, don't hesitate to do so. We will be happy to answer any of your questions. And the best thing: we speak your language.

Just one more detail: in case you didn’t already know, Spanish doctors are top-level. In the case of an accident, emergency, or any other healthcare need, you will get the among the best treatment and services in the world. And Caser Expat Insurance co-operates with the best hospitals in Spain. For more information or a quote for student health insurance in Spain, please visit the Caser website.

And the best thing: all this cover at a very competitive price. Because health should not be expensive. To prove it to you, here you can calculate the price of your health insurance the easy way.

It's time to think about your future and gather new experiences. Are you ready? Our advice: leave nothing to chance, take out the best international student insurance in Spain with Caser and live the student life! We'll make sure you always feel as safe as you do at home.

Download Free Guide:  How to choose the right Caser Health Insurance Policy



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