International student health insurance Spain

Frequently Asked Questions

• How can I change my address?

  Update your address by logging into your customer account or through the MySwisscare app, available on iOS and Android.

• Will I received a physical insurance card?

  Since 2019, Swisscare has chosen not to distribute physical insurance cards. Instead, you can easily access your Digital Insurance Card by downloading the MySwisscare app on both iOS and Android. Once installed, you'll find your card within your policy account.

• What is included?

  This insurance is tailored to the visa requirements for Spain, with full medical insurance coverage, no co-payments, no deductible, no waiting periods, immediate entitlements, and repatriation coverage included.

   

  It allows free choice of the doctors or centers within the arranged medical directory of Clínicum. The medical coverage includes primary medicine, specialist visitation, emergencies locally and abroad, diagnostic tests, treatments, hospitalization, and surgical interventions.

   

• What is a deductible?

  The insurance deductible is a fixed sum at the expense of the insured in the case of a claim covered by the chosen insurance policy. The general insurance conditions define the amount and the scope of application. The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a particular treatment, or for a specific insurance cover. 

  
  The International Student Health Insurance Spain product has No Deductible.

• Can I go to any medical center and to any specialist I wish?

  You can have a free choice of doctors and medical centers within the arranged medical directory of Clinicum. The arranged medical directory is the list of medical service providers in Clinicum’s medical network. 

   

  Here you can find the search portal of the medical directory:

   

  For insured staying in Catalunya(Barcelona, Gerona, Lérida and Tarragona):

  https://www.clinicum.es/cuadro-medico/ 

   

  For insured staying in the rest of Spain:

  https://clinicum.scdirecto.com/selector?idc=FF4C7C5483010716076825224510D8D64A

   

  If a doctor prescribes a test, the medical prescription must always come from a specialist in the Clínicum Medical Directory. You will have to send this prescription to Clinicum through the email autorizaciones@clinicum.es.

• What shall I do if I want to visit a doctor or a hospital?

  If you require medical treatments while in Spain and you can simply click on the appropriate link provided below according to your place of residency. Within the provided links, you can search for a medical institution and make an appointment. You could present your digital or physical insurance card to the medical institutions.

   

  For insured staying in Catalunya(Barcelona, Gerona, Lérida and Tarragona):

  https://www.clinicum.es/cuadro-medico/ 

   

  For insured staying in the rest of Spain:

  https://clinicum.scdirecto.com/selector?idc=FF4C7C5483010716076825224510D8D64A

   

  If a doctor prescribes a test, the medical prescription must always come from a specialist in the Clínicum Medical Directory. You will have to send this prescription to Clinicum through the email autorizaciones@clinicum.es.

   

  In case of an emergency, you contact the 24/7 URGENCIES. Emergency means a case in which the insured party cannot wait for the normal services of the insurer if they are to receive the appropriate level of care.

   

  In Spain: +34 93 131 70 47

   

• What should I do in case of a medical emergency outside Spain?

  Medical emergencies and illnesses occurring during the trip are covered anywhere in the world up to a limit of 15.000 € and during the first 90 days since the beginning of the trip. If you require medical attention in these cases, you should call 

   

  Abroad: + 34 93 485 74 73 

  Deceased Assistance Center: +34 93 462 49 09

   

  The service is available for you 24/7. 

   

• How long does it take until I receive my insurance policy?

  Instantly if you pay by credit card

   

  If you pay for your insurance by credit card, you can download your insurance policy immediately from your online account.

   

• How do I cancel my insurance?

  You can cancel your insurance before the start date of coverage. Termination with a refund is only possible in the following circumstances:

   

  Cancellation accepted with a full refund

   

  If the embassy or consulate refuses your visa, you can request the cancellation of your insurance by sending the official refusal letter of the embassy to us. Once your request has been verified, we will refund you by the same method initially used for the payment.

   

  Cancellation after the start date, no refund possible

   

  If the insurance coverage begins, then it is no longer possible to cancel and obtain a refund without an official visa refusal. In this case, the entire insurance premium is due and must be paid.

   

  Renewal / Termination

  The policyholder can oppose the contract renewal through a written email notification at least one month before the contract expiration date. 

   

• Does the International Student Insurance Spain (ISIES) cover Covid-19?

  Yes, Covid-19 medical coverage is included in the current plan.

• How long does it take until I receive my insurance policy?

  Instantly if you pay by credit card
   

  After the initial payment by credit card you can log-in into your MySwisscare account and download the insurance policy immediately.

• What should I do if I need emergency dental service?

  In case of a dental emergency, please contact the Dental Emergency Number in Spain.

  
  Dental Emergency Number in Spain: +34 93 131 70 47

   

  Do I need authorization to access diagnostic tests?

   

  Certain diagnostic tests require prior authorization from Clínicum. To request authorization, simply send us the medical request from a Clínicum network doctor via email at autorizaciones@clinicum.es.

   

  If you require dental medical service, you can click on the appropriate link provided for the dental medical network. Present your digital or physical insurance card at the dental clinics.

   

  Dental Medical Network for all of Spain:
  https://www.clinicum.es/cuadro-medico-dental (select by province, town or postcode and by dental specialties).

   

  What should I do if I have any questions about my dental coverage?

   

  You can contact us at at.cliente@clinicum.es or call +34 93 131 70 47.

   

  Please kindly refer to the General Insurance Conditions ANNEX II: DESCRIPTION AND USE OF DENTAL SERVICES for information on dental coverage.