STUDENT INSURANCE

Erasmus students need to pay 187 pesetas in order to have student insurance coverage.

The academic insurance company was created in 1953. Its aim was to deal with certain family and health contingencies which could affect both secondary and higher education students.

To apply for the benefits covered by this insurance, you need to fill in the official forms available from the National Institute of the Social Security. You can also apply for these benefits at its Urban or Regional Agencies, where your queries will also be answered. The application form includes the minimum formal requirements, and must be submitted in the above-mentioned offices.

If you are a foreign student, ask for information at your college or get in contact with us to ascertain whether or not you are considered for insurance coverage in the following cases:

• School Accident
  Insurance coverage is granted depending on the circumstances and characteristics of an accident during a student's habitual activities. The benefits entail comprehensive medical care, free-of-charge prescriptions, stay in health centres or hospitals, surgery, and economic compensation in case or disability or death.
• Bone or Pulmonary Tuberculosis
  This includes the stay in a health centre, medical treatment and free-of-charge medicines for a maximum in-patient hospital treatment period of 3 years. If the patient's condition does not require staying in a hospital, medical care and medicines will be provided for a maximum period of six-months, with the limitations foreseen for these particular cases. This period may be extended depending on the student's personal and family circumstances.
• Surgery
  This includes all the expenses derived from diagnosis, stay in a hospital, medical care, medicines and surgery costs. To be entitled for reimbursement of surgery costs -except for emergencies- acknowledgement of this right should be applied for before a three-month deadline from discharge from hospital. Plastic surgery, oral-facial or dental surgery are not included, except for cases derived from a school accident.
• Neuro-psychiatry
  Comprehensive medical care and prescriptions for cases of schizophrenia, toxicomania and severe psychopathologies involving a stay in hospital for a maximum period of one year are covered. This period may be extended for an extra year. The coverage period for cases which do not require in-patient hospital treatment is six months. The same period is applied to those cases which require medical treatment after having stayed in hospital. The coverage period may be extended for an extra 6 months, with the limitations foreseen for these cases (70% refund prescriptions and medical fees according to the insurance rates).
• Family Misfortune
  This benefit applies when the head of the family dies, when he/she goes into bankruptcy or when the family economy collapses. If applied for, the student is entitled to receive economic help for the remaining years of the degree. This help is reviewed annually, taking into account the economic situation of the family and the academic situation of the student.
• Obstetrics
  Labour process with comprehensive care is covered. If the student chooses a non-insurance affiliated Maternity Hospital, the expenses will be refunded according to the fees established in the insurance policy. The patient will receive a fixed amount to pay for medical care expenses.
• Discretionary Benefits

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