INFORMATION ON SCHOOL INSURANCE
Student Insurance is governed by the Law of 17th July 1953, the Order of 11th August 1953 ratifying the Statutes on Student Insurance, and the numerous Ministerial Orders implementing the benefits included therein.
A. SCOPE OF APPLICATION
1. BY VIRTUE OF NATIONALITY
The Law of 17th July 1953 laid down compulsory Student Insurance for all Spanish students who meet the statutory requirements (Order 11-08-53, Article 2).
Nationals of all European Union Member Countries, in addition to nationals of countries included in the Agreement on the European Economic Area: Iceland, Liechtenstein and Norway (Regulation (EC) No 307/1999).
Refugees and stateless persons residing in the territory of the aforementioned countries.
All foreign students residing in Spain under the same conditions as Spanish students (Organic Law 4/2000, of 11th January, Article 14).
2. BY VIRTUE OF STUDIES
In the university context, Student Insurance applies to those studying official courses in Spain at the graduate, post graduate, PhD or Final Degree Project level. In the case of a Final Degree Project, the Insurance only applies to the academic year in which students enrol.
3. BY VIRTUE OF AGE
In accordance with the provisions of the Law of 17th July 1953, Student Insurance applies to students aged 28 and under.
Student Insurance cover will continue throughout the academic year in which a student turns 28.
B. STUDENT INSURANCE COVER
Student Insurance covers students included in its scope of application for all contingencies expressly stated therein, provided that the health care expenses are incurred within the territory of Spain in accordance with the principle of territoriality as laid down in the General Law on Social Security.
Student Insurance covers the insured for certain contingencies that may occur to them, to which the following benefits apply:
1. STUDY-RELATED INJURY
A study-related injury is understood as any physical injury suffered by the insured during activities directly or indirectly related to their status as a student, including sports activities, assemblies, study trips, work experience or end of degree trips or similar, provided that such activities have been organised or authorised by the study centre. Students may go to the medical service provider or centre of their choice, although when the medical service provider or centre is not approved as part of the Student Insurance, only the expenses for the amount included therein will be covered and any difference shall be met by the student.
Outpatient care, hospital admission and day hospitalisation
3. PULMONARY AND BONE TUBERCULOSIS
4. GENERAL SURGERY
6. BURIAL EXPENSES
7. FAMILY HARDSHIP
A minimum level of academic performance and the income level of the family unit will be taken into account. In the event of the death of the head of household, the family income may not be more than €6,010.12 for each member of the family unit, taking into account all the family members who live with the student in addition to their respective incomes.
8. DISCRETIONARY BENEFITS:
Rehabilitation, radiotherapy, radium therapy, cobalt therapy, artificial kidney, maxillofacial surgery.
Student Insurance benefits are incompatible with any other benefits of identical content or those arising from a similar risk of which students may be beneficiaries by virtue of being registered with any Social Security Scheme. In such cases, benefits will be received from the corresponding Social Security Scheme and Student Insurance will cover any difference.
Benefits from the MUFACE, ISFAS and MUGEJU schemes will be regarded in the same way as Social Security Schemes and as such their benefits are considered incompatible with those included in Student Insurance.
However, in the case of benefits of a similar nature in policies taken out with private companies and private insurance companies, no incompatibility exists.
D. IN-COMPANY WORK EXPERIENCE
In relation to Student Insurance cover in the case of students doing in-company work experience, the Directorate General of Planning for the Social Security issued a Resolution on 25th March 1999, according to which work experience done by students under the provisions of Royal Decree 1497/1981 of 19th June, updated by Royal Decree 1845/1994 of 9th September, are covered by Student Insurance provided that the work experience has been organised or authorised in accordance with the provisions of the aforementioned Royal Decree, irrespective of whether or not it is compulsory for obtaining the qualification, provided that the student is enrolled at a university and the payment of the corresponding fee is up to date.
Similarly, such protection includes students doing in-company work experience beyond the scope of the aforementioned Royal Decree, provided that the work experience is authorised or organised by the Study Centre and does not constitute an employment relationship or an activity which may result in the inclusion of students in any other Social Security Scheme.
E. DOCUMENTS WHICH MUST ACCOMPANY APPLICATIONS
In all cases:
- National Identity Document.
- Passport in the case of foreign students.
- For university students, enrolment receipt showing the year of study, the centre at which the student is studying and payment of the Student Insurance premium.
Applications for these benefits, with the exception of a study-related injury, must be presented prior to receiving health care for the recognition of the right to benefits, except in emergencies, in which case applications may be presented within 3 months following admission.
These documents may be presented at any Social Security Information and Support Centre (CAISS), except when assistance is provided at an authorised medical centre.
MEDICAL CENTRES INCLUDED IN STUDENT INSURANCE
ACCIDENT AND GENERAL MEDICAL ASSISTANCE (without specialisation)
|CLÍNICA VIRGEN DEL CAMINO||Paseo de las Delicias, 150
|Tel. 91 468 28 61|
|INCOMA||Calle Explanada, 16
|Tel. 91 554 54 05|
|CENTRO LA MAESTRANZA (Odontology only in the case of study-related injury)||Calle Jarama, 15
|Tel. 91 562 66 70|
|CENTRO MEDICO COMPLUTENSE||Calle Vía Complutense, 77
28805 ALCALA DE HENARES
|Tel. 902 57 57 80|
|CENTRO CLINICO LA CHOPERA||Paseo de la Chopera, 121
|Tel. 91 661 00 21|
|DAVIDA||Calle Marques de la Valdavia, 87
|Tel. 91 662 60 11|
|CENTRO MEDICO MONTEBLANCO||Calle Monteblanco, 24
|Tel. 91 606 03 93|
|NUESTRA SEÑORA DE LOS ANGELES||Calle Madrid, 71, 1º C
|Tel. 91 695 94 71|
|CENTRO DE ESPECIALIDADES MÉDICAS GETAFE S.L.||Calle Huelva, 1
|Tel. 91 696 89 23|
|CELLOSA||Calle Solana, 12
28850 TORREJON DE ARDOZ
|Tel. 91 675 30 72|
|CARLOS GONZALES GARCIA||Calle Altamirano, 34, 1º C
|Tel. 91 549 58 85|
|JUANA MARTINEZ LADRON||Calle Ortega y Gasset, 77, 1º A
|Tel. 91 402 58 07|
|ELENA TRIGUEROS APRAIZ||Calle Conde de Peñalver, 68, 1º dcha
|Tel. 91 401 75 06|
DAY HOSPITALS (Outpatient care also available)
|MIL SOC. COOP. LTDA||Calle Manuel Marañón, 4
|Tel. 91 759 66 92|
|ICPR||Calle Guadiana, 17
|Tel. 91 563 00 94|
|INSTITUTO PSIQUIATRICO MONTREAL||Calle Cardenal Herrera Oria, 144
|Tel. 91 735 13 55|
|ADALMED (DR. MANUEL FARACO FAVIERES)||Calle Cavanilles, 47
|Tel. 91 551 29 44|
FULL HOSPITAL ADMISSION/ DAY HOSPITAL/ OUTPATIENTS
|SANATORIO DR ESQUERDO||Avenida de los Poblados, 70
|Tel. 91 706 15 21|
|CLINICA ARTROS||Calle Zurbaran, 7
|Tel. 91 310 01 96|
|INCOMA||Calle Explanada, 16
|Tel. 91 554 54 05|
|CLINICA ARIMÓN||Calle Guzmán el Bueno, 133
|Tel. 91 533 67 00|
|CORBOR||Calle Madrid, 81, 1º
|Tel. 91 695 37 63|
IN ORDER TO PROCESS BENEFITS CONCERNING STUDENT INSURANCE, STUDENTS MAY GO TO ANY SOCIAL SECURITY INFORMATION AND SUPPORT CENTRE (CAISS) ON THE FOLLOWING LIST (PREFERABLY THE CENTRE CLOSEST TO THEIR PLACE OF RESIDENCE). Information may also be obtained free of charge by calling 900 16 65 65.
SOCIAL SECURITY INFORMATION AND SUPPORT CENTRES (CAISS)
|MADRID (DP)||Serrano, 102||Tel. 91 5907100|
|MADRID (Tetuán-Castillejos)||Avenida de Brasil, 14||Tel. 91 5552359|
|MADRID (Delicias)||Tomás Bretón, 38||Tel. 91 5304348|
|MADRID (Moratalaz)||Hacienda de Pavones,s/n (no number)||Tel. 91 7724100|
|MADRID (Vallecas)||Emilio Franco, 55||Tel. 914788761|
|MADRID (Pueblo Nuevo)||G. Pérez Carrasco, 61||Tel. 91 4083418|
|MADRID (San Blas)||García Noblejas, 89||Tel. 91 3040916|
|MADRID (Carabanchel)||Azabache, 1||Tel. 91 4711355|
|MADRID (Villaverde)||Avenida Real de Pinto, 7||Tel. 91 7983111|
|MADRID (Manuel Becerra)||Doctor Gómez Ulla, 2||Tel. 91 2584500|
|MADRID (Paseo Extremadura)||Paseo Extremadura, 162||Tel. 91 4649212|
|MADRID (Peña Grande)||Isla de Arosa, s/n (no number)||Tel. 91 2019602|
|MADRID (Centre)||Cedaceros, 11||Tel. 91 4297926|
|MADRID (Tribunal)||Fuencarral,77||Tel. 91 5327903|
|ALCALÁ DE HENARES||Divino Vallés, 2 y 4||Tel. 91 8892358|
|ALCOBENDAS-S. S. REYES||Avenida España, 20||Tel. 91 6520899|
|ALCORCÓN||Paseo de Extremadura, 17||Tel. 91 6121462|
|ARANJUEZ||Gómez Castrillón, 124||Tel. 91 8921430|
|ARGANDA DEL REY||Puente del Cura, 3||Tel. 91 8700179|
|COLMENAR VIEJO||Huertas, 6||Tel. 91 8463119|
|COSLADA/ S. FDO. HENARES||Doctor Tamames, s/n (no number)||Tel. 91 6725595|
|GETAFE||Avenida de los Angeles, 57||Tel. 91 6955305|
|LEGANÉS||Avenida Dos de Mayo, 29||Tel. 91 6800068|
|MÓSTOLES||Coronel de Palma, s/n (no number)||Tel. 91 6133612|
|POZUELO DE ALARCÓN||París, 2||Tel. 91 7151312|
|S. LORENZO DE EL ESCORIAL||Duque de Alba, 22||Tel. 91 8960947|
|S. MARTÍN DE VALDEIGLESIAS||Ca. de Ávila, 1||Tel. 91 8610076|
|TORREJÓN DE ARDOZ||Avenida de Madrid, s/n (no number)||Tel. 91 6754862|
MORE DETAILED INFORMATION ON STUDENT INSURANCE IS AVAILABLE AT THE INSS (National Social Security Institute), MADRID PROVINCIAL DIRECTORATE, Calle Lopez de Hoyos, 169 – 28002 Madrid. Tel. 91 590 71 00 / 73 76 / 73 87