Spain’s three main insurance science

Spain’s top three insurance policies: Asisa, Sanitas, Adeslas

Why do you need insurance?

From a policy point of view, according to the Spanish Consulate, students who apply for a student visa for stays longer than 90 days are required to purchase a public or private health insurance from an insurance company authorized to operate in Spain.

From a personal point of view, insurance is also important, and many students are glad they bought it when they arrive in Spain.

Which type of insurance to buy

The long-term insurance we have to buy is not the same as the insurance for a tourist visa or a short-term study visa of less than 90 days! You can’t use domestic insurance companies’ foreign insurance or travel insurance for long-term study in Spain.

So what kind of insurance can you choose? At present, most of the study abroad/residence insurance companies used by Spanish students are Asisa, Sanitas and Adeslas.

How to choose insurance?

Notes on insurance

How to determine the effective period of insurance: When you buy insurance, you should pay attention to the calculation of the time, the insurance time must not only cover the start and end of your studies as written in your acceptance letter, but also the entry and departure time periods before and after the start and end of your studies, that is to say, you must have insurance for every day you stay in Bandua, and the insurance time must cover every day you are in Spain. Generally, it is necessary to make sure that the insurance coverage is in effect at the same time as the expected departure time or slightly earlier.

What is the full medical insurance: the three major insurance policies are full coverage, the scope of medical insurance includes the daily medical items, detailed items to check their official website, anyway, there is insurance to see the general sickness do not have to spend money. The insurance is generally not used several times.

How to surrender your insurance if there is a change in your plan: Generally, you can surrender your insurance with the consulate’s rejection letter, and apply about ten working days in advance. After deducting the months of insurance coverage and paying a processing fee, the remaining cost will be refunded in full.

Do you need a physical insurance card for visa delivery and medical treatment: After the insurance is formally taken out, the insurance company will send the policy to the policyholder’s email address in PDF form, and you can print it out in color. When you arrive in Spain for medical treatment, you can download their official app and apply for an electronic insurance card, and the insurance company’s system will have everyone’s insurance information. If you want to have a card, you can contact your insurance dealer to arrange free mailing.

In order to facilitate your choice, we summarize the characteristics of the three major insurance policies ~

ASISA Insurance

The starting time of insurance must be the first of each month

The policy will be issued 3-5 working days after enrollment

Few documents are required for purchase, only passport can be provided

Reasonable price, high cost performance

Basic dentist included

But not as many outlets as Adeslas

No coverage outside Spain

Sanitas Insurance

The insurance must be effective from the 1st of each month

The policy is also issued 3-5 working days after the application