Dear Sir
I am preparing for Ph.D studies in Spain and require a 12-month overseas medical insurance policy that complies with the Spanish Embassy’s student visa requirements. My course work has been waived. So I will not be staying in Spain continuously for the whole period of study. I am required to visit only 2/3 times every year for consultation, coloquim and feedback sessions with my supervising professor. Each stay is expected to last between 2-4 weeks. 
Could you kindly provide me with the following:
Premium quote for a 12-month policy for a 48-year-old, non-smoker.
Confirmation that the policy includes:
Minimum medical coverage of €30,000 (or USD equivalent)
Emergency medical evacuation and repatriation of remains
No waiting period / immediate effect
Embassy-acceptable visa certificate / policy wording
Whether the policy can be renewed annually during my stay abroad (planned 5 years of study).
Kindly send me the premium details, policy terms, and a sample certificate/letter used for visa applications.
Thank you very much for your assistance.
 
  Regards

   M.  Arefeen Ibrahim 

 Phone: 01715035772