Sanitas Students is designed specifically for international students who need reliable, visa-friendly healthcare while studying in Spain. It gives you complete access to the Sanitas medical network — including GPs, specialists, diagnostics, emergencies and hospital care — all without co-payments and without waiting periods.
You’ll also benefit from Dental 21, mental health support, emergency medical assistance abroad up to €12,000 and repatriation to your home country. With the app, it’s easy to book appointments, view test results and access to services wherever you are.
Whether you’re in Spain for a semester, a full degree or a longer study programme, this plan keeps your healthcare simple, predictable and fully aligned with what universities, schools and regional authorities expect from international students.
GPs & specialists Unlimited visits across the Sanitas network
Diagnostics Lab tests, X‑rays, ultrasounds and high‑tech imaging
Therapies Physiotherapy and therapeutic care
Digital care Video consultations, e‑prescriptions, results via the app
What's included / Excluded
Summary - exact limits confirmed in the policy terms & conditions.
Benefit
Included
Notes / Limits
GPs + Specialists
Yes
Unlimited consultations in the Sanitas network
Diagnostics / Tests
Yes
Lab tests, X‑rays, scans and imaging when clinically required
Hospitalisation & Surgery
Yes
Day-case and inpatient surgery in Sanitas hospitals with a private room
Psychology
Yes
15 sessions per year maximum
Emergency care
Yes
24/7 urgent care in Spain within the Sanitas network
Maternity & Childbirth
No
Maternity, childbirth and related services are not included in the student plan
Dental
Yes
30 included services plus discounts on further treatment
Digital GP & Telemedicine
Yes
Online GP and telemedicine via the app
Travel insurance
Yes
Emergency medical assistance abroad up to €12,000 per year
Co‑payments
No
All covered services within the Sanitas network are included in the premium
Repatriation
Yes
Repatriate you to your country of origin in the event of death within Spain
Co‑payments
The Sanitas Student plan has no co-payments. All services that are covered by the policy and carried out in the Sanitas network are fully included in your premium.
Waiting periods (Qualification periods)
Waiting periods refer to the amount of time that must pass after joining a health insurance plan before you can access specific services. The student plan has NO waiting periods
Work/Traffic accidents: Additional protection if you are injured in a work-related or road traffic accident. (FREE for students under 18 years of age).
Pharmacy Coverage: Reclaim 50% of your prescription costs (spend €400 get €200 back).
Accidental death €30,000 or €60,000: Optional cover providing €30k/€60k insured capital.
Add-ons can be included when completing the application form.
Eligibility, ages & payments
Available for students aged 14 to 35 at the time of contracting. If you are 36 years of age or more then you will need the Mas Salud plan*.
4% annual payment discount available.
Policy start date is always the 1st of the month.
*Subject to underwriting and current product rules.
How to use the Student plan
Choose a GP, specialist or hospital from the Sanitas network.
Book an appointment by phone, online or via the app.
Show your membership card (physical or digital) when you attend your appointment.
Sanitas settles the bill directly with the centre for covered services, so you do not pay upfront for treatment included in your plan.
You can also use the app to manage appointments, view test results, access your medical history and use digital services.
Compare Students, Mas Salud, & Top Quantum
Feature
Students
Mas Salud
Top Quantum
Outpatient consultations
Unlimited
Unlimited
Unlimited
Hospitalisation
Yes
Yes
Yes
Co-payments
No
No
No
Visa / residency compliant
Yes
Yes
Yes
Dental
Yes
Yes
Yes
FAQ
Does the student plan have copayments?
No. This plan has no co-payments. All services covered by the policy and carried out in the Sanitas network are included in your premium.
Are there waiting periods?
No. There are no waiting periods, so you can use covered services from day one of your policy.
Is hospital care included?
Yes. Inpatient and day‑case surgery are included in the Sanitas network.
Is the student plan suitable for my student visa?
Yes. It’s accepted by all Spanish consulates as a compliant policy for your student visas.
Is maternity cover included?
No. Maternity, childbirth and related services are not included in Sanitas Student plan.
Are dental services included?
Yes. The plan includes dental cover, which gives you 30 free dental services and discounts on additional treatments.
Is emergency medical cover available outside Spain?
Yes. The plan includes emergency medical assistance abroad up to €12,000 per year through the travel assistance benefit.
Can I add worldwide or reimbursement cover?
No. Worldwide or reimbursement cover cannot be added to the student plan.
What happens if I am over 35?
If you are older than 35 at the time of contracting, you will need to choose a different Sanitas plan, such as the Sanitas Mas Salud or Top Quantum.
Care received in centres or from professionals outside the Sanitas network.
Treatment for chronic alcoholism, drug dependency or substance abuse.
Any cosmetic or aesthetic treatments and surgery.
Surgical procedures for conditions such as Parkinson´s disease, epilepsy, or involving radio surgery.
Maternity, childbirth, fertility treatments and pregnancy termination are not included in the Student plan.
Any type of vaccine or autovaccination.
Therapies or treatments based on alternative medicine.
Injuries or illnesses resulting from acts of war, terrorism or insurrection.
Contract term and cancellation
The Sanitas Student plan is contracted for the duration of your studies in Spain, up to 1 year. If your course is longer than 1 year then the policy will be renewed for a further period.
Sanitas may also cancel or refuse renewal in situations described in the general conditions (for example, non-payment of premiums or other contractual breaches).
The policy is automatically cancelled at the end of the contract term. If you leave Spain before the end of your studies, the policy can be cancelled upon receipt of confirmation that the reaminder of your course has been cancelled.
The exact conditions that apply in your case will be shown in the particular conditions of your policy.
Premiums from €42,65
Premiums are valid for new policyholders who enroll between April 1, 2026 and March 31, 2027. A 0.15% surcharge from the Insurance Compensation Consortium will be applied to these premiums. Premiums may vary depending on the policyholder’s place of residence. The maximum age for both enrollment and continued coverage is 35.
A new policyholder is someone who has not been insured under any other Sanitas policy in the 6 months immediately before joining the new one.
