For those who are planning to travel to EU countries, insurance is required for Schengen. This is a document of a certain type, valid in a number of European countries. Medical insurance for Schengen countries is valid throughout the trip. It must meet a number of requirements:
- The term for which insurance is issued must be no less than the duration of the visa.
- Medical insurance for Schengen must be valid in all countries included in its zone.
“Under the terms, it should cover all medical expenses.”
If these requirements are not met, then most likely you will be denied a visa.
Insurance for Schengen can be issued in three ways: using programs A, B and C, each of which supplements the previous one. For example, insurance under program A guarantees qualified assistance after an accident, after an acute attack of a disease. Program B involves both the possibilities of the first and the additional service: calling your doctor from home. The third option - insurance for Schengen C includes the first two options and guarantees payment of all expenses for additional services, which in each case can be completely different.
When traveling abroad with your family or in the company of friends, you need to know that each family member or group member must be insured, including minors, because in case of illness it will not work to use someone else's policy.
Insurance for the Schengen area must be issued in accordance with the rules that apply in European countries.
The availability of medical insurance for travel to Schengen countries is also mandatory for entry into most other world countries. The embassies of these countries and the United States will not issue a visa if the corresponding policy is not issued. Abroad, you will probably need it, because the costs of obtaining medical care for the disease overlap, as well as the cost of medicines. In addition, it is guaranteed that, if necessary, the victim is sent home free of charge.
Accident insurance requires far greater benefits than medical expenses. If a tourist receives minor injuries, then he has the right to count on receiving free medical care and, if necessary, on sending him home. If a person loses his ability to work completely (or even partially), then he will be paid compensation, which may amount to several tens of thousands of dollars.
Baggage loss insurance. In this case, the insurance company guarantees partial or full compensation for the cost of lost luggage. For those who have lost their luggage due to their own negligence, loss compensation does not apply.
The insurance is also valid for fires, terrorist attacks, natural disasters. This type of service is relevant for trips to countries with unstable conditions.
Various companies offer health insurance for countries on the European Region list. You need to know that insurance for Schengen is issued without a deductible, and liability for it should be at least thirty thousand euros. Typically, these conditions are fully consistent with the requirements of foreign embassies both in the provision of medical care and in terms of validity. Today, Schengen insurance is available to all insurance companies.