Why Health Insurance Causes Visa Delays for Applicants
Many applicants from India assume that any international travel insurance or Indian private medical plan will be accepted for Spain. This is a common mistake.
Spanish consulates evaluate whether your policy matches strict immigration requirements, not whether it is “good insurance” in general. If the wording or coverage terms are wrong, your file can be delayed or refused.
The most frequent reason for rejection is a policy that has co-payments, waiting periods, or limited coverage.
What This Page Will Help You Do
This guide explains exactly what Spain expects from health insurance submitted in India, how much it usually costs, and how to select a plan that is accepted smoothly.
- Understand the coverage requirements for long-stay visas
- Know what your insurance certificate must include
- Estimate the typical cost range for India-based applicants
- Avoid common mistakes that cause delays
What Spain Consulates Expect from Your Insurance
Your policy must operate in Spain
For long-stay visas, Spain generally expects insurance that is valid in Spain and provides full access to the Spanish healthcare network. In most cases, this means a policy issued by a Spanish insurer (or an equivalent insurer with confirmed coverage arrangements in Spain).
Key visa-compliant coverage terms
A Spain visa-compliant health insurance policy typically needs to confirm:
- No co-payments (sin copagos)
- No waiting periods (sin carencias)
- Full medical coverage (consultations, diagnostics, specialists)
- Hospitalisation and surgeries (inpatient and outpatient)
- Repatriation of remains (commonly requested)
- Coverage for the entire duration of your stay
If your stay is less than one year, you may need supporting proof for the duration (such as an admission letter, invitation letter, or course duration certificate).
Why travel insurance often fails for long-stay visas
Travel insurance usually focuses on trip events (baggage delay, trip cancellation) and emergency-only medical cover. Long-stay visas require full healthcare coverage in Spain, not just emergency coverage.
How Much Spain Visa Compliant Insurance Costs in India
Costs vary based on your age, visa type, insurer network size, and policy duration. Typical ranges are:
- €45–€80 per month for many student visa plans
- €60–€120 per month for non-lucrative and long-stay residency needs
- Annual policies are common for residence permits and renewals
Lower-priced plans may exist, but it’s important to confirm they do not include co-payments or waiting periods, as those are common reasons for visa issues.
The best cost strategy is choosing the right compliant plan the first time, instead of paying twice after a rejection.
How to Choose the Right Policy from India
Check the certificate wording before you submit
Your insurance certificate should clearly show your name, policy number, coverage dates, and confirm full medical coverage in Spain without co-payments or waiting periods.
Focus on access and network, not only price
A student in Madrid may want a strong network in Madrid, while a student in Valencia might prioritise local clinics. Look for:
- Large medical network (cuadro médico)
- Easy appointment booking (app or helpline)
- Direct payment to providers (no large upfront payments)
- Clear process for renewals
Common insurers used for Spanish visas
Applicants often use well-known Spanish insurers that issue visa-friendly certificates and operate across Spain. Examples commonly seen include ASISA, advigon, Adeslas, and DKV (availability and acceptance can vary by location and channel).
Costs and Recommended Compliant Plans
Health insurance costs for students in Spain are generally predictable. We offer plans specifically accepted by Spanish universities and immigration authorities.
Visa Confidence Standard
- Guaranteed visa compliance
- No copay coverage
- 40K+ provider network
- Instant certificate
- Repatriation included
- Zero financial risk before visa approval
Visa Confidence Flexible
- Reimbursement option
- Cancel anytime
- Instant visa certificate
- Easy refunds
- Full visa compliance
Secure your visa safely — without paying the full premium upfront.
The fastest way to make your insurance hassle-free
If you’re applying from India, the simplest path is to treat health insurance like a compliance document, not a generic purchase. Your goal is a certificate that the consulate can approve quickly.
When the policy clearly meets visa rules and is valid in Spain with full coverage, you remove one of the biggest causes of Spain visa delays.
Get the insurance right early, and the rest of your Spain application becomes far more predictable.