DKV Integral Élite Student — copayment-free policy for the Spanish student visa
Technical parameters
Cost
Cost : From €38 per month per person
Period : monthly / minimum contract term 12 months
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Private healthcare with direct access to the medical network |
| Payment format | No copayments and no deductible |
| Geographic coverage | All of Spain plus emergency assistance abroad |
| Purpose | Student visa D and renewal of student residence |
| Requirements compliance | Meets the requirements usually asked for by consulates and Extranjería offices |
| Payment | The full year upfront only; it is not sold monthly |
| Start and renewal | From the 1st of the month of activation, as with DKV Selección |
| Co-payments per visit | None |
| Relation to the Integral modalities | A separate variant: it does not belong to the four modalities Complet, Plus, Classic and Élite |
| Certificate for Extranjería | Certificado de primas pagadas — proof of premiums paid and of uninterrupted cover. We request it from the insurer on your behalf; it is what the authorities usually ask for when applying for or renewing residency |
| DKV Integral Élite Student Specifications | |
| Parameter | Value |
| Visa certificate | Document in Spanish expressly stating the absence of copayments and waiting periods and the inclusion of repatriation |
| Waiting periods | None for basic services, assistance active from day one |
| Repatriation | Transfer to the home country included under the policy terms |
| Medical network | Over 51,000 professionals and around 1,000 DKV centers nationwide |
| Coverage abroad | Emergency assistance on trips up to 180 days with a €20,000 annual limit |
| Digital services | Round-the-clock video consultations and medical chat in the Quiero cuidarme Más app |
The document they will ask for at renewal
The policy is only half of it. When you renew your residency you will be asked to prove that the premiums have been paid and that cover has not lapsed. That document is the certificado de primas pagadas, and the insurer issues it.
We request it for our clients as soon as they ask. You will not have to work out whom to write to or how to phrase it — write to us and we will obtain it and pass it on.
The policy that opens the door to the student visa and a calm stay
DKV Integral Élite Student was built for one exact task: to give a foreign student insurance designed with the requirements that consulates and Extranjería usually ask for. None of the details that most often require the application to be amended are present here: per-visit copayments, waiting periods or a deductible. The policy covers primary care, every specialty, diagnostics, hospitalization, and surgery at a level equivalent to the National Health System, and the certificate is issued in Spanish, expressly stating the absence of copayments and the inclusion of repatriation. The policy meets the requirements for processing the student visa D and student residence, and these are precisely the requirements that consulates and Extranjería most often check.
For a student, the visa paper is not the only thing that matters: real healthcare without long waits matters just as much. The policy gives direct access to Spain’s largest private network: a doctor’s appointment comes in days rather than weeks, and assistance works from the first day of the contract with no waiting periods on basic services. A young person far from family receives emergency medical care abroad under the terms of the policy, video consultations in the app, and support during acute situations. The contract term fits the academic program, whether a course, a master’s, or a doctorate, and renewal adapts to the new dates of stay.
Why arrange it through MG Seguros MG Seguros is an exclusive agent of DKV. We help you choose the policy according to the requirements of your type of student visa and residence, and prepare the certificate for the consulate and Extranjería at no extra cost. Support in English, Spanish and Russian, online enrolment.
Typical tasks that this policy solves
Agent's opinion