Travel Insurance for Schengen Visa

Travel Insurance for Schengen Visa


The European Union is conscious of the occurrences that may occur throughout one’s travels through the Schengen Region; that’s why all travelers must be in ownership of Travel Health/Medical Insurance. Schengen Zone affiliate nations have approved on the least coverage of travel medical insurance, which is 30,000 Euro each individual. Even though the least medical coverage essential is 30,000 Euros, it may be harmless for you to buying an Insurance of 50,000 Euros when staying for an extended period in Europe, just in case of a unadorned medical situation. While assembly the required documents for the Schengen visa application, you may get confused when it comes to Travel Medical Insurance and buying Travel Insurance as an alternative. However both are alike since they may cover features of one another, the European Union desires you to get a Schengen Travel Health Insurance (also mentioned to as Travel Medical Insurance or Global Medical Insurance) and not only Travel Insurance.

Necessities for the Schengen Travel Medical Insurance

Schengen Zone fellow nations have approved on the standards that the Travel Medical Insurance for Schengen visa should come across in demand to be qualified. Below you have the list of these necessities:

  • The least coverage should be of 30,000 Euros. Ensure to check with your embassy or consulate about any other precise health insurance minimums because they can differ, from nation to nation.
  • It should be legal in all Schengen Area nations. 
  • Should cover the whole period of the person’s planned to stay or transit. 
  • It has to cover unanticipated expenditures concerning deportation for medical reasons.
  • It has to cover unpredicted costs that may arise as a consequence of acute medical care and/or emergency hospital action.
  • It has to cover unforeseen overheads that may arise as an outcome of the person’s demise.

What Should Health Insurance Plan Cover

When buying your Schengen Visa Insurance take care to see what it covers and if it accomplishes the necessities of the Schengen Zone member nations. In overall, the Travel Health Insurance for Europe should have the below-mentioned characteristics:

  • Offers a global network of providers.
  • Political Evacuation advantage.
  • Natural Catastrophe advantage.
  • Provides hospital room and board (regular room rate).
  • Provides Intensive Care Unit (usual charges).
  • Delivers terrorism coverage for qualified medical expenditures.
  • Repayment for unforeseen medical charges due to emergency medical care.
  • Recompense for unanticipated dental expenses due to an accident.
  • Advance payments to medical services and help get emergency medical transport when you are wounded.
  • Organization of and payment for emergency medical evacuation facilities, counting medical care providers to attend to you till you reach a suitable medical care facility. Covers local ambulance fees for covered sickness or injury.
  • AD&D and travel accident aids to help take care of you or your family members if you are extremely wounded or killed while travelling.
  • 24/7 emergency travel support services to help you locate a suitable medicinal facility to care for your medical requirements and those of your family members.

Travel Insurance vs Travel Medical Insurance

Schengen Travel Insurance

Travel insurance is a kind of short-term insurance, which guards the financial savings of the traveller during a trip.

What does it cover?

Dependent on the policy of the insurance company, it may also cover other cases as:

  • Lost or stolen baggage
  • Missed departure
  • Travel postponement
  • Travel rejection
  • Loss of passport
  • Lost or whipped money etc.

If your journey has been cancelled or interrupted for a specific cause, the travel insurance company where you are a client has to repay you for the suitable pre-paid and non-refundable portions of your trip. Though some of the travel insurance policies may also contain coverage of appropriate medical costs, not all of them do so.

Schengen Medical Insurance

The Schengen travel medical insurance is a kind of short-term insurance, which covers unpredicted health care expenses outside the traveller’s home nation.

What does it cover?

Depending on the policy, travel medical insurance usually covers:

  • Political evacuation
  • Terrorism
  • Natural disaster
  • Accidental death
  • Deportation of remains in case of death.

This sort of insurance may also cover your financial expenditures in case you have to abandon your flight or if it is interrupted. However, some of the reasons for cancellation might be considered non-refundable or partly non-refundable.

Is it Necessary to Buying Travel Medical Insurance for my trip to Europe

Travel Medical Insurance for Schengen visa which is legal in all Schengen Zone nations is a necessity for anybody applying for a Schengen visa, as specified by the “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”. Whether you are visiting Europe for holidays, to study, for business, or you are travelling there for other determinations, the competent authorities will request you to submit evidence of buying of Travel Health Insurance throughout your Schengen visa application. Even if you are travelling to the Schengen terrain from a visa-exempt nation, it is still recommended for you to buying insurance, which would cover your costs in case of unforeseen wound or sickness outside your home nation. Travel Medical Insurance is essential, even if you have private medical insurance at your home nation. That is because the probabilities are it will not cover you when travelling overseas, or its coverage is not adequate.

Evidence of Buying Health Insurance for Schengen Visa

On the day of the Schengen visa appointment, claimants should have with them a letter from their insurance corporation that approves that coverage comes across the minimum level appointed by Schengen member nations. The period of coverage should match the duration of travel specified in the visa sticker. The Schengen Visa Insurance Letter is a one-page document which assures that the Schengen visa applicant has bought Schengen Travel Medical Insurance. You must submit this letter at the embassy or consulate or your destination nation when you go at your appointment, collected with the other documents.

How Much Travel Health Insurance Policies Usually Cost in Europe

The fee of Travel Medical Insurance differs from company to company and also in the sort of insurance policy you decide. Most of travel medical policies cost an average rate, by calculating the duration of the journey with the age of the tourist and the maximum coverage limit he or she chooses.

The duration of the tour: The sum you will have to pay in demand to buying Travel Health Insurance Europe rest on the number of days you are scheduling to reside in the Schengen area. The lengthier you stay, the extra you will have to pay.

Your age: Maximum of the companies consider the age of the tourist when calculating the value the tourist will have to pay. As your age group rises, you will probably see an upsurge in your regular rate (and vice versa).

The maximum coverage boundary: This is the maximum sum of costs the company where you are a customer will have to pay in case you face any sickness and wound while overseas. The higher the coverage boundary is, the higher your regular rate will be and vice versa. Even though the Schengen visa has its least necessities, it is suggested to buying extra coverage, when you are leaving your home nation and entering Schengen, particularly for lengthier tours.

Kinds of Europe Travel Medical Plans

A Travel Medical plan arises in four variations dependent on the amount of time you demand to enter the Schengen Zone, and if you are scheduling to come to this region alone or with other persons. These plans are as below:

Single-Trip Plan: This is the most customarily bought plan since it is an average plan that offers coverage for the duration and destination(s) you require for a single trip overseas, for up to six months, and it is paid for upfront.

Multi-Trip Plan: This plan covers numerous worldwide tours within a three-months, six-months, or one year.

Long-Term Plan: This is suggested to long-term tourists and expatriates since it is a continuous medical coverage for the long term tourist and characteristically paid on a monthly base. These plans can habitually be renewed.

Group Plan: While travelling in groups, this is the best sort of Travel Health Insurance to buying. Characteristically it can cover five or more individuals under one policy, often at a reduced rate.

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