For a Schengen visa application, you must have an appropriate travel insurance meeting the following criteria:

Coverage: The insurance policy must cover the costs for repatriation in case of disease, urgent medical expenses and/or hospitalization.

– Limit coverage: Limit coverage of EUR 30.000.- is essential
– Validation: valid in all Schengen countries during the whole validity of the issued visa

FAQS

• What is travel insurance?

  Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one’s own country.

• What does it usually cover?

  The most common risks that are covered by travel insurance plans are:

  – Medical emergency (accident or sickness)
  – Emergency evacuation
  – Repatriation of remains
  – Return of a minor
  – Trip cancellation
  – Trip interruption
  – Visitor health insurance
  – Accidental death, injury or disablement benefit
  – Overseas funeral expenses
  – Lost, stolen or damaged baggage, personal effects or travel documents
  – Delayed baggage (and emergency replacement of essential items)
  – Flight connection was missed due to airline schedule
  – Travel delays due to weather
  – Hijacking

  Medical expense coverage can be per-occurrence or maximum-limit.

• How long does it cover?

  Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have extremely high medical costs, such as the USA.

• How much does it cover if I have an accident and need to go to the hospital?

  In general, you can choose among several plans with different coverages.

  Medical costs resulting from an accident or illness are covered up to the insured sum as per your insurance policy.

• What should I do if there is any accident, flight delay or property lost?

  All travel insurance providers offer a 24 hours emergency call centre.

  The most important rules about what to do in the event of an emergency:

  – Report the emergency immediately: contact the emergency call centre as soon as possible to provide details about the emergency. The emergency call centre is available round the clock.

  – Have important information ready at hand: have all necessary information ready so they can provide rapid and effective help: insurance documents, name of the hospital and of the doctor handling the case, telephone number(s) of contact person(s), trip details, etc.

  – Do not hand over your passport or travel documents: do not hand over your passport to a third party if you can avoid it! A copy is fully sufficient.

  – Notify the local travel representative: notify the tour company representative at your destination – where available – about the illness or accident.