What is the Travel Medical Insurance Criteria for the Schengen Visa?

Schengen Visa Travel Insurance

Introduction

Schengen states have made it mandatory for all theapplicants to avail visa travel insurance as it helps in coping with mammoth expenses in case of any unforeseen medical complication. Besides, visa travel insurance provides financial security to backpackers so that they can fully enjoy their journey without any anxiety.

Travel Medical Insurance Criteria

•           The availed medical insurance must cover minimum expenses equivalent to 30000 EUR or 50000 USD.

•           Travel medicalinsurance should be valid in all member states of the Schengen Area.

•           It should cover all expenses pertaining to repatriation for medical reasons, medical emergency, treatment in hospital and death.

It is pertinent here to mention that not all travelers are obliged to avail the insurance. Rather, it is compulsory only for visa nationalities.

The aforesaid group is bound to avail medical insurance regardless if they are traveling to the Schengen Area on the visit, tourism, business, study or any other visa.

The citizens of those countries who enjoy visa-free procedures with EU are not bound to avail the policy. Medical insurance is optional for them and embassies or consulates do not demand it from them.

Travel Visa Insurance is a must when applying for a SchengenVisa

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.

 The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

States Covered by Schengen Travel Insurance

The Schengen medical insurance covers the following states:

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.