FAQs

Q: Is health insurance mandatory for Spanish student visa?

A: Yes, absolutely. Spanish law (Real Decreto 1155/2024) requires all non-EU international students to have private health insurance with coverage equivalent to the Spanish National Health System. This is a mandatory requirement that cannot be waived.

Q: Can I use travel insurance instead?

A: No. Travel insurance does not meet Spanish legal requirements for student visas. You need specific health insurance "with primary health care" that covers general medicine, all medical specialties, and hospitalization without limitations.

Q: What if I'm from EU country?

A: EU students can use the European Health Insurance Card (EHIC) for temporary stays, but many choose private insurance like Allianz Health for better access to specialists and no waiting lists. For studies longer than one year, private insurance is highly recommended.

Q: What's the minimum coverage amount required?

A: Spanish law doesn't specify a minimum amount but requires coverage equivalent to the public system, meaning comprehensive medical care without co-payments, waiting periods, or exclusions for pre-existing conditions.

Q: Does Allianz Health meet all Spanish visa requirements?

A: Yes, completely. Allianz Health "with Primary Health Care" is specifically designed to meet all Spanish visa requirements. It includes general medicine, pediatrics, all medical specialties, 24/7 emergencies, hospitalization, and is valid throughout Spanish territory.

Q: How long does policy delivery take?

A: Instant delivery. Once approved, you receive your policy certificate immediately by email, allowing you to proceed with your visa application without delays.

VISA REQUIREMENTS

POLICY DETAILS

Q: Can I modify my coverage later?

A: Yes, you can adjust your coverage level, add family members, or modify payment options. However, you must maintain the minimum "with Primary Health Care" coverage throughout your student visa validity.

Q: What's included and excluded in the policy?

A: Included: Primary health care, all medical specialties, hospitalization with private room, emergency services, diagnostic tests, surgical procedures, dental coverage (78 free treatments), and the Allianz Health App. Excluded: Cosmetic treatments, experimental procedures, and treatments resulting from illegal activities.

PRACTICAL QUESTIONS

Q: When should I buy insurance?

A: Purchase it as soon as you receive your university acceptance letter. You'll need the policy certificate for your visa application, and having it early ensures no delays in your application process.

Q: Do I need insurance before my visa application?

A: Yes, the insurance policy certificate is a required document for your student visa application. Spanish consulates will not process applications without proof of adequate health insurance.

Q: Can I cancel if I decide not to come to Spain?

A: Yes, you can cancel before your policy start date for a full refund. After the start date, standard cancellation terms apply.

ADDITIONAL IMPORTANT QUESTIONS

Q: Can I use the insurance immediately upon arrival?

A: Yes, coverage begins on your policy start date with no waiting periods for essential services. You can access medical care from day one in Spain.

Q: What if I don't speak Spanish well?

A: The Allianz Health App provides 24/7 telemedicine in multiple languages, and many specialists in our network speak English. Our customer service also offers multilingual support.

Q: Does the insurance work if I travel within Europe during holidays?

A: Yes, you're covered for up to 90 days annually when traveling abroad, perfect for visiting family or exploring Europe during university breaks.

Q: How do I find doctors and hospitals in Murcia?

A: Use our online medical directory at allianzcuadromedico.es or the Allianz Health App to find over 51,000 medical professionals across Spain, including hundreds in the Murcia region.

Q: What happens if I need emergency care at night or weekends?

A: 24/7 emergency coverage is included. Call 900 300 386 for immediate assistance, or visit any authorized emergency center. You can also use the Allianz Health App for urgent medical consultations.