Medical insurance for the Schengen. Travel insurance abroad

To apply for Schengen, you must obtain a medical insurance policy. But do not think that medical insurance for Schengen is an empty formality, thanks to it the traveler in case of illness, can receive medical care free of charge... Medicine in Europe is not cheap, and if you stay there for a long time, sooner or later you will have to see a doctor.

Where to get health insurance

Tourists who prefer to rest through intermediaries have no questions about where to arrange health insurance for a Schengen visa, as a travel agency is engaged in this. But independent travelers will have to understand the variety of offers from different insurers, because the price of the insurance policy for a Schengen visa differs from company to company.

The policy can be obtained independently at any insurance company in Moscow or your city, or online. In the first case, the specialist who will issue the document must provide the data of the passport, indicate the purpose of the trip, the time of stay in a foreign country.

How to get insurance for Schengen online

Online Schengen visa insurance is more convenient as you don't even need to leave your home to get insurance. You just need to go to the website of the relevant insurance company, fill in all the cells and pay for the service through bank card or one of the available payment systems. As a result, you will get electronic policy, which can be printed and presented at the Visa Application Center or Embassy to obtain an entry permit.

Insurance for a Schengen visa can be bought online in a few minutes and has the same validity as a document issued at the office of an insurance company.

Primary requirements

Medical insurance for Schengen must meet the following criteria:

Minimum sum insured- 30 thousand euros. This amount should be enough for treatment and related expenses. Maximum size there is no payment;
Coverage area - all countries that have entered into the Schengen agreement;
The validity period covers the entire duration of the trip;
Some European countries require the policy to be extended for an additional 15 days after the scheduled date of departure from the Schengen area. Medical insurance is not paid for these 15 days.
No deductible (that is, in the event insured event the client will not have to pay extra for anything);
The cost of health insurance for a Schengen visa should include more than just providing medical services, but also the payment of travel to the home country.

Health insurance cost

The cost of medical insurance for a Schengen visa depends on:

Sum insured;
Validity period;
The age of the person to be insured;
Type of rest;
Tariff plan.

Insurance for Schengen is carried out according to several tariff plans:

Economy (the cheapest);
Comfort;
Premium.

The higher the price of health insurance, the more features it includes. The traveler independently chooses how much he is willing to pay, whether he will need an interpreter if he is admitted to a hospital and whether he will need legal or administrative assistance. Some companies provide discounts for groups of tourists.

Let's give an example of the cost of basic insurance options valid for 14 days in the most popular insurance companies:

Important nuances of choosing an insurance policy for Schengen

When concluding a contract, it is worth paying attention not only to the cost of insurance for a Schengen visa. Some Insurance companies offer programs with a limited number of services provided, which can be called nothing more than a formality. It is possible to obtain a permit to enter the Schengen area under such a policy, however, in the event of an unforeseen situation, the insured person will not receive compensation.

It is better not to buy into the deliberately low prices for insurance for a Schengen visa, but to carefully study the list of circumstances that fall under the concept of an "insured event" and choose the most appropriate option.

Sometimes it is much more profitable to arrange not disposable, but annual medical policy. By calculating how many trips are planned during the year, you can significantly save.

Insurance for a Schengen visa online must be issued depending on the travel program. So, if a tourist is going to relax by the sea and visit several attractions, he can take an inexpensive policy. But if a traveler is going to devote a lot of time to extreme sports or wants to include exotic foods in his menu, he should inquire how much health insurance for a Schengen visa costs, which includes increased risks.

The same applies to work visas. If the employer is ready to insure his employees additionally, for Schengen it is possible to issue a policy with a minimum set of services provided.

Do not skimp on insurance for young children and pregnant women. It is these categories of tourists who often find themselves in unforeseen situations (the temperature may rise, rashes appear, etc.).

Regardless of tariff and type medical policy, no insurance company will compensate for damage if the insured event occurred through the fault of the insured or the victim was intoxicated.

Video: health insurance for a visa

A visa stamp for the Schengen area can be classified as one of the most difficult to obtain. Its presence in the passport speaks of the good reputation of the owner and greatly facilitates the procedure for communicating with consulates in the future. Nevertheless, those wishing to enter the designated region must certainly prepare a voluminous package of papers, in which the insurance for a Schengen visa in 2019 occupies a special place.

Why do you need visa insurance

Setting off on a journey, every traveler is 90% sure that nothing will happen to him in a foreign country. In most cases, this is what happens. But the whims of fate are impossible to predict, and if something does happen, it is better to be insured in all respects. Moreover, insurance for a Schengen visa is a prerequisite entry to Europe.

The reason for this scrupulousness is the high cost of medical care. Therefore, the countries that are members of the union considered it necessary to make sure once again that if something happens to the visitors, the entire financial burden will fall on the insurers, and not on their budget.

Buying insurance for a Schengen visa means ensuring yourself cover the following costs:

the cost of outpatient and inpatient treatment;
medical expenses;
doctor's consultations;
if necessary - call an ambulance;
evacuation in case of emergency;
reimbursement of the costs of leaving home, if it was postponed due to forced hospitalization;
emergency dentist help;
flight of relatives, if the patient needs to stay in the hospital for more than 10 days.

An insurance policy in Schengen protects not only from health problems, but also from many other troubles that may lie in wait on the trip: for example, from the loss of luggage.

To get the policy you need for the trip, you will need:

passport of a citizen of Russia;
money;
reliable insurance company;
a little time.

The procedure on how to make health insurance for a Schengen visa is not too complicated. Algorithm of actions:

determine the travel dates;
prioritize the set of services to be included in the package;
choose a category - for one trip or for several.

All these data will also be needed when you decide to buy online insurance for Schengen. In this case, each additional service is prescribed separately. Usually, the company's website already indicates how much it will cost the client.

With this method of purchase, the purchased certificate is usually sent to an email address. It is endowed with no less legal force than the one that you buy at the company's office.

Together with the insurance policy, the company representative is obliged to issue the client an application form for paying for the insured event and the contacts of the round-the-clock service, which can be contacted abroad.

Uninsured events

Do not forget that during the process of applying for your policy, the representative of the insurance service is obliged to inform you about which cases are not considered insured. These include:

chronic ailments;
sexually transmitted diseases;
an increase in temperature after exposure to the open sun;
mental disorders;
migraine;
dental problems (chronic).

The registration of the policy should be preceded by a stage at which it is necessary to find out what kind of insurance is needed for a Schengen visa.

Insurance requirements

To begin with, be sure that the staff of the consulate where you will apply for a visa will certainly check the compliance of the policy you provided with the requirements of their country, in this case, the Schengen area.

The document must be completed correctly and submitted in the original. All of the following requirements are mandatory:

the validity period of the policy must cover the duration of the entire trip. It is necessary to add another 15 days to it, which will serve as a kind of temporary corridor in case of emergency situations that will make you stay late;
insurance for the Schengen, issued for a year, or for the so-called, is provided only for the first trip. In this case, at the consulate, the applicant will have to sign a statement that he was informed about the need to issue a certificate also for all subsequent visits to the designated region;
insurance amount - from 30 thousand euros;
coverage area - the entire Schengen area;
covering all unforeseen expenses that a traveler may encounter on his trip.

A document is drawn up in the country of permanent residence of the applicant. Only those categories of persons who, by the nature of their activities, already have this document, are exempted from this procedure. For example, sailors or holders of diplomatic passports.

Annual insurance

Holders of long-term visa stamps may be better served by one-year medical insurance for a Schengen visa. It will allow you not to be distracted by this issue with each subsequent trip. This is especially true for businessmen and tourists who do not sit at home. It is important to remember that such a policy must contain the following information:

the exact number of entries to the zone during the year;
period of stay in specific countries for every six months.

Those who will also be able to use such a document, but in this case, for registration, you will also need to attach an invitation from the host company.

Insurance certificate cost

How much health insurance costs for a Schengen visa will depend on several indicators:

The amount of compensation in the event of an event covered by the policy.
The period of validity of the insurance.
Personal characteristics of the owner - age, occupation, health status.
The type of the ordered program.

There is no point in misleading your insurer while issuing a certificate. In the presence of chronic diseases, it is better to report this. This, of course, will affect the cost of the policy, but if the disease suddenly worsens in a foreign country, you will certainly be helped. Usually, the insurer in such cases asks to bring a certificate from a doctor who does not prohibit flights and travel to distant countries.

The cost of health insurance for a Schengen visa consists of the price of different kinds insurance cases. Usually, the policy is a basic package that includes the services listed above, and an additional one, which is added to it.

So, for example, if you are going to go diving or skiing, you definitely need to include this in the insurance program. Such types of recreation are fraught with risk, and therefore it is better to protect yourself.

For those who travel frequently, it will be more profitable to purchase insurance for a Schengen visa for six months, the cost of which will be much less than if you buy a policy for each individual trip. And this option will save money when applying for a Schengen visa.

Service packages

Moreover, all insurers usually offer three different service packages:

economy;
comfort;
premium.

For example, insurance for a Schengen visa in Rosgosstrakh without additional services will require such investments (per person):

"Economy" - 997.52 rubles;
"Comfort" - 1,426 rubles;
"Premium" - 2224 rubles.

The difference between programs from each other lies in the number of options that are included in the main package. For example, in the "economy" package there are only 17 of them, and in the other two - 24 and 28, respectively.

The most budgetary option will not include compensation for:

moving to the place of residence after leaving the hospital;
observation on inpatient treatment;
residence in the country before leaving home after discharge;
sending emergency messages to relatives;
translation services;
a visit from a relative;
the return of children who are still under age;
early return of relatives;
legal assistance;
administrative services;
search and rescue operations.

The more services a traveler orders, the higher the cost of medical insurance for a Schengen visa becomes. For example, adding the option "active rest" to the package of services implies an increase in the cost of the policy something like this:

economy - 1995.04 rubles;
comfort - 2852.90 rubles;
premium - 4,448.93 rubles.

That is, almost twice. It would be logical to assume that the price will rise even more significantly, if we add here also compensation for the loss of luggage or for non-departure.

The cheapest policies in Schengen

The hope for the best and the firm belief that the journey will pass without incident makes many Russians look for budget certification options. We offer a small list of companies where cheap insurance for a Schengen visa is a very real fact.

The cost of the "economy" package for one person for a two-week trip:

Liberty insurance - 599 rubles;
Sberbank of Russia - 1,481, 31 rubles;
VTB insurance - 855.02 rubles;
Alpha insurance - 961.89 rubles.

Do not forget that in some cases the standard package of operations is simply not enough.

Where to get insurance

There are several options for where to get health insurance for a Schengen visa:

online on the insurer's website;
through a travel agency;
directly at the office of the insurance company.

If a voucher is issued through the mediation of a tour operator, then he will take care of all the troubles on this issue. Moreover, many agencies may not sell you a tour if you want to take care of the insurance issue yourself. The price of the certificate is usually already included in the price of the tour itself.

How to get health insurance for a Schengen visa? What are the features of online travel insurance for Schengen countries? Where to get visa insurance at an affordable cost?

Hello everyone who has visited the site of the popular online magazine "HeatherBober"! Denis Kuderin is in touch.

The topic of our article is insurance for a Schengen visa. It will be of interest to everyone who is planning a trip to Europe in the near or distant future. It is always useful to know how to protect yourself on the territory of another state.

So, our journey begins!

1. Why do I need visa insurance?

When planning a trip to another country, people tend to think only of good things. I don't feel like thinking about troubles like illness and injury. And this is quite natural: a positive emotional attitude is vital for a traveler.

However, it is also unwise to completely ignore unforeseen situations. Visa insurance will help to protect the tourist from sudden expenses caused by diseases, accidents and traffic accidents.

Having issued a policy, you don't have to think about what to do if in an unfamiliar country you suddenly have a stomach or tooth ache, if you twist your leg or overheat in the sun. With the insurance document, all health problems will be solved at the expense of the insurance company. Your task is only to promptly contact the service department for help.

To travel to the countries of the Schengen agreement (and this is almost all the states of Europe), the registration of an insurance policy - mandatory procedure... Without such a document, you will simply not be issued a visa and will not be allowed into the country. So you still have to buy a policy - whether you like it or not.

Unfortunately, many Russian tourists do not fully realize all the benefits of insurance coverage. Some citizens consider insurance to be a kind of imposed service and almost a scam on the part of the tour operator.

Meanwhile, travel insurance is common international practice... Foreign tourists are insured without exception, including all possible risks in the document. This gives you a sense of security and saves you finances in the event of an emergency.

Therefore, Russian travelers should not regard insurance as an unpleasant obligation. Believe me - everyone who at least once experienced health problems in a foreign country knows what advantages a compulsory travel insurance policy gives.

2. Types of insurance for a visa - an overview of the TOP-5 main types

Insurance for a Schengen visa is a document that guarantees a tourist reimbursement of medical, transport and some other expenses related to unforeseen circumstances.

Such a document must meet certain requirements:

the validity period must cover the entire validity period of the visa;
the coverage area of the insurance applies only to the Schengen countries;
the presence of a deductible in the policy is not allowed;
the sum insured must be at least EUR 30,000.

Some countries put forward additional conditions.

Example

The consulate of Denmark requires that the validity period of the policy exceeds the period of stay in the country by 2 weeks. There are countries that insist that the insurance document must be completed by hand.

There are also various insurance programs that the traveler can choose at their own discretion. Let's consider them in more detail.

View 1. Minimum program (A)

This is the basic insurance that is the most affordable. The list of insurance services includes emergency assistance, hospital delivery, examination, treatment, and repatriation in case of death.

This tariff plan is usually included in the cost of the tour. It is chosen by travelers who do not need extra spending or those who are indifferent to the conditions and nuances of the purchased insurance document.

View 2. Economy program (B)

Another "budget" option. This includes all services that are in tariff "A", plus dental care, emergency communication with the patient's relatives, early transportation of the tourist to the country of residence.

If the traveler has minors in the host country, they will also be returned home early at the expense of the insurer.

View 3. Classic program ©

The above items are supplemented by the receipt of legal assistance of any kind, as well as reimbursement of expenses in case of loss or damage to documents.

View 4. Auto program (D)

Tariff "D" provides (in addition to the above risks) the cost of repairing vehicles. That is, if you are traveling by car and it breaks down during the trip, the insurance company will pay for the services of the auto repair shop. Provided, of course, that the case is documented.

View 5. Premium program

Property risks are added to the previous risks. The insurer bears the costs of storing valuable luggage and its transportation. If your property is damaged or lost, you will be refunded its value.

The expenses will be compensated even if, due to compelling circumstances, you were forced to cancel your trip.

The premium program also includes liability insurance. This means that if during the trip you cause damage to the property or health of third parties, the insurance organization will reimburse all the costs of the victims.

Example

During slalom training in a resort city, an amateur athlete Vasily broke expensive equipment. Fortunately, he had premium insurance, so the insurer paid for the damaged items.

For more information, see the article "".

3.3 proven ways to get visa insurance

There are several options for purchasing insurance for a visa. Let's take a look at the pros and cons of each.

Method 1. In a travel agency, together with the purchase of a voucher abroad

This is the most affordable and easiest way. A standard insurance policy is usually already included in the tour package. You have the right to buy it or insist on an independent registration of the document in an insurance company.

Experienced tourists believe that the "built-in" policy is not effective enough. Indeed, the possibilities of such protection are limited, and the amount of the sum insured is minimal. Standard coverage is not always sufficient to cover all costs, especially in the case of serious injuries and illnesses.

Method 2. At the office of the insurance company

By filling out the document yourself in the office, you have more room for maneuver. Some risks that are not relevant to you personally can be eliminated, while others, on the contrary, can be added.

Your best bet is to buy insurance from a company you already do business with. For example, if in any company you have already made a policy, you can also take out travel insurance there. For regular customers agents make discounts.

Method 3. Through the Internet

Another option self purchase policy. If you do not want to waste time visiting the office, you should use the online insurance service. Most modern insurance companies provide this opportunity to everyone.

By filling out the form on the website and paying the insurance premium, you will receive an electronic policy by e-mail along with a payment receipt and a memo with phone numbers and general information.

If you want to save even more money and time - use professional services. For example, on the site InsuranceBirzha.rf you can not only study and compare the offers of the most popular insurance companies in Russia, but also apply for a policy by choosing the most favorable rate for yourself.

Service services are available to everyone. In a few clicks, you can calculate the cost of insurance in several companies at once and purchase a document in online mode... Users can access not only travel insurance, but also other services - auto insurance, property and life insurance.

The algorithm of actions is as simple as possible:

choose the type of insurance;
fill out the form;
the calculator calculates the price in different insurance organizations;
you choose the most profitable option;
take out insurance and pay for services.

With service Insurance Exchange only verified and reliable participants cooperate insurance market- Alfa Insurance, Tinkoff, Sogaz, Rosgosstrakh, VTB-insurance. When registering through the website, the client receives significant discounts - 10-25%.

Needed reliable insurance for a visa, feel free to go to the site and draw up a document.

4. How to get health insurance for a visa - step by step instructions

The process of obtaining insurance for a visa is not particularly difficult. No one is interested in creating obstacles for tourists looking for a pleasant vacation or business trip.

However, it is worth knowing in advance what steps you need to take to buy a travel insurance policy quickly and hassle-free.

Step 1. Choosing an insurance or travel company

When choosing an insurer, be guided by considerations of reliability and safety. Bright advertising and generous offers are, of course, good, but you need to focus on other criteria. In particular, on the experience, solvency indicators and the reputation of the company in professional circles.

Pay attention to the fact that the majority of Russian insurers do not have their representative offices in all countries and cities where tourists go. Therefore, the direct settlement of insurance situations on the ground is handled by partners of insurance organizations - the assistance of the company.

How timely and in what volume medical assistance will be provided depends on the activities of the service services. Assistance partners are also responsible for correct design documentation on the insured event.

However, the insurance company itself pays the compensation. In addition, it depends on the level of the insurer which partners he chooses. Companies that value their reputation work with reliable assistants. It is not in their interests to use the services of dubious firms.

In the table the criteria for selecting a company and practical advice presented in a visual form:

Step 2. Collecting documents

You will definitely need: passport, TIN, international passport.

As a rule, no additional information is required. The policyholder indicates all other information about himself by filling out the questionnaire.

Step 3. Choosing an insurance program

Which package to choose is up to you and only you. If the basic program that the travel agency offers "automatically" is enough for you, take the basic one - no one will blame you for it. If you need additional items, choose the advanced option.

Step 4. We conclude an agreement

A tourist makes a big mistake if he signs a contract without reading its contents. You should not do this - unless, of course, you need full protection of your finances and health. It is imperative to read the text of the agreement. And more than once is better.

Notes and annexes usually contain the most valuable information regarding the conditions and amounts of insurance benefits. It also indicates which situations will not be considered insurance.

Step 5. We receive an insurance policy

The last stage is getting a policy. Together with the insurance, you must be given a package mandatory documents- an application form for compensation in the event of an insurance accident, contacts of the service center and an attachment with mandatory information.

5. Where to get insurance for a Schengen visa - an overview of the TOP-5 service companies

To make it easier for readers to choose an insurance partner, we offer an overview of the top five best companies in travel insurance.

The international company "Alliance" was founded in the nineteenth century in Germany (founded in 1890). The company started to insure travelers in the 50s of the XX century, gradually protecting the interests of tourists became a priority direction of this organization.

Allianz Global Assistance offers reliable, affordable and effective programs for all occasions. With insurance from this company, qualified assistance is available to tourists in all corners of the world. Alliance provides independent insurance services and performs the functions of the company's assistance.

The insurer has been present on the Russian market since 2008. In addition to insurance of the health and life of tourists, the company also deals with the protection of travelers' property. In particular, here you can insure vehicles in case of road breakdowns both in the country of the insured and abroad.

Other advantages of Allianz Global include quick response, 24/7 consulting support, professionalism and experience. Another feature of the company is that its activities are strictly personalized. The insurer concludes each contract on individual terms that are beneficial and relevant to the client.

A professional service called. This is the official representative (provider) of the Alliance company in Russia.

Regardless of what kind of rest you prefer - relaxed, active, extreme - here they will select, calculate and arrange the most optimal package of services for you. The finished document is sent in the form of a pdf file to e-mail. All that remains is to print it out and take it with you on your trip.

2) Tinkoff Insurance

The company does not have a long history (it was founded in 2013), but it already has popularity, reputation and professionalism. Founded by the famous entrepreneur Tinkov and the Tinkoff Bank group of companies.

The company is confidently heading for modern digital technologies and works primarily via the Internet. The network provides travel insurance for one trip and multi-use policies. The document is done in 3 steps: cost calculation, payment, receipt electronic version by e-mail.

3) Alpha Insurance

One of the leaders of the Russian insurance market. Has been working since 1992, has authorized capital 5 billion rubles. Implements over 100 unique, effective and affordable insurance products.

Several different programs are available to travelers: "Visa policy" standard sample(issued in 5 minutes directly on the website), "Travel cancellation insurance" - the policy guarantees a refund in case of trip cancellation due to illness or other emergencies, "Water transport" (for travelers on water).

Oldest insurer Russian market... The company was founded in 1947. The company offers affordable and healthy foods for all categories of citizens, has offices in almost every city of the Russian Federation and millions of clients throughout the country.

Ingosstrakh offers comprehensive programs for those traveling abroad. The tourist himself has the right to choose the risks for drawing up an individual package. Health insurance, property insurance, civil liability, from cancellation.

Another international insurer with vast experience and effective insurance products. Part of the Liberty Mutual group of companies. The head office of the Russian division is located in St. Petersburg. The company has been operating in the Russian Federation since 1993.

You can provide reliable insurance coverage and get a policy for a Schengen visa here in a couple of minutes. After completing the application form and paying, the client receives a package of ready-made documents to the email address and SMS with the policy number.

Since the policy is an official and very important document, you need to treat its receipt accordingly. This paper will help keep your finances for more enjoyable needs than medical expenses.

By the way, if during the trip or after you have any disputes or disagreements with insurance companies, a professional legal organization will help to resolve them. The firm provides any legal assistance to citizens online. Users can get professional advice on insurance conflicts free of charge.

And now a few useful tips for those who get visa insurance for the first time.

Advice 1. Before choosing an insurance company, be sure to read customer reviews

Do not trust too much praise songs on the websites of the insurers themselves; it is better to visit thematic forums. On such resources, you are more likely to meet reviews from real customers.

Better yet, use the information received from friends and acquaintances who have already used the services of specific insurance companies when traveling to Europe.

Tip 2. Carefully read the list of insured events that are covered by the insurer

It happens that a company refuses to compensate for costs and does so legally. The reason for the refusal is simple - the policyholder claims compensation for an event not covered by the contract.

Conclusion: the list of insurance and non-insurance situations should be studied in advance, and not after the incident has already happened.

Tip 3. Do not make mistakes in specifying personal data

If there are no errors in your personal data in your contract, it will be easier for the company to identify you among other policyholders. Conversely, mistakes can lead to refusal of compensation.

Tip 4. Enter into an agreement with companies whose services you have already used

It is more profitable to deal with insurers whose services you have already used. This gives the right to substantial discounts and facilitates the process of obtaining insurance. Companies love loyal customers and are always ready to meet them.

Watch an informative video on the topic of the article.

7. Conclusion

Let's summarize. Visa insurance for tourists traveling to Europe is a mandatory procedure for every traveler. However, it depends on you which type of insurance coverage you choose.

Hello dear readers of my blog. Summer is in full swing and, for sure, you are going on your long-awaited vacation. If you have chosen a destination to Europe, then from this article you will find out what insurance for a Schengen visa is and what are the minimum requirements for health insurance required to enter these countries.

The Schengen area is made up of 26 countries and was formed to eliminate the need for passport and immigration controls at their common borders. That is, these countries have almost the same requirements, so as soon as you enter one of them, you can freely travel within the Schengen area without having to go through customs again.

On our travels, we often had to use the services of an insurance company. For example, during our life in Thailand, we picked up. if you haven't read this story yet, be sure to check out the link. Travel insurance just saved our budget from serious expenses and paid for itself several times over.

A Schengen visa is common for both business travel and holidaymakers for a certain number of days. And the main requirement for getting it is medical insurance.

Let's first define what a medical policy is for. When planning your trip, you should get a reliable assistant in the person of an insurance policy. Having such a document, you provide yourself with a guarantee to provide medical care in case of unforeseen circumstances and illnesses. Not all countries are so demanding on this document, however, medical insurance for Schengen is mandatory when applying for a visa. Well, for peace of mind, don't you want to relax without unnecessary worries and worries?

More detailed information you can learn about from my previous post.

If you are not traveling alone, then you can take out one Schengen insurance for the whole company. To do this, you will need to provide the passports of all travelers, including children. Some agencies may provide a discount for group travelers.

What are the requirements for insurance Schengen abroad

Medical insurance requirements for a Schengen visa:

The minimum coverage must be € 30,000 (equivalent to $ 50,000). Medical service not cheap in Europe, but this amount should be enough to cover the basic costs of receiving medical care in cases of sudden illness or injury
Do not include a deductible (non-refundable amount to the tourist)
Insurance to the Schengen countries must cover the entire territory of the Schengen area, no matter which country's embassy you received a visa and valid for the entire period of stay
Also the policy in mandatory must cover any expenses that may arise in connection with repatriation for medical reasons, urgent medical attention and / or hospital emergency or death
The document must have all the necessary stamps

If the requirements specified above for Schengen insurance are not met, the consulate may refuse to issue you a visa. It is better to check the requirements with the consulate of the country you are going to visit before purchasing a policy. Despite the fact that a correctly issued policy is valid throughout the entire Schengen area, some countries still include their own additional requirements for it. For example, France and Finland may only require a hard copy. And the Danish consulate may require that the policy be valid for another 15 days after the end of the trip.

On a note

One of important points to consider - even if you have a medical policy, it is advisable not to neglect the usual standard first aid kit for travel. Especially if you already have existing illnesses, allergies, or chronic diseases, consult your doctor and be sure to bring the necessary medications with you.

It will also be appropriate to have a medical card and other papers with you that describe your physical condition. Usually, insurance companies cover the costs of exacerbations of diseases, however, each company has its own conditions, so it is advisable to clarify such details in advance. And most importantly, remember - no company will cover the costs of providing assistance or treatment for injuries acquired while under the influence of alcohol and drugs.

Naturally, you can increase the minimum amount according to your preferences and include various other circumstances that may arise during your stay in the Schengen area. Be sure to consult with your consulate about all the nuances of this issue.

How much do you need to pay

As a rule, the cost of insurance for Schengen depends on factors such as:

Travel times (the longer your stay, the more expensive the cost)
The amount of the sum insured (50,000 euros will cost more than 30,000 euros)
Type of recreation (for extreme sports and entertainment you will also have to pay extra)
The age of the insured (elderly people over 65 and children under 3 are at risk, therefore the cost of their insurance is more expensive).

It is impossible to name one specific insurance price, so now almost any insurance company offers to independently calculate the cost on the calculator located on their website. Each company has several types of service packages and tariff plans, you just have to choose the one that suits you.

To make your search easier the right company you can use special services that can help you. The lightest and quick way you can buy Schengen insurance online on the Cherekhapa service, which will help you find not only the most cheap insurance Schengen, but also choose the most optimal insurance option that meets all your requirements.

Just one click and you will save tons of time. Registration will take no more than 7 minutes, and insurance is accepted by all visa centers. Try right now in the form below to dial the direction you need and calculate the cost of Schengen insurance in your case. Link to the insurance registration form. Detailed video instruction below.

How to deal with dates

Many are a little confused on the insured days indicated in the policy. I'll try to clarify. When specific dates are indicated in the policy, this means that you are insured during this specified period, from the beginning to the end of the trip. And there is also the number of insured days. That is, no matter how much during the year you travel to the Schengen countries, the insurance is valid until the total number of days spent there expires.

The insurance can be bought both for one trip and for multiple trips. From here we will move on to the topic of insurance for the Schengen year, with the help of which you can increase your visits to the Schengen area. Such insurance is mainly needed for those who travel on frequent business trips or simply like to visit Europe at least 1-2 times a year. In this case, even annual insurance will be cheaper.

However, each trip has a limit on the number of days. If you purchase Schengen insurance for 30 days, this means that your stay in one trip should not exceed the number of days indicated. The same principle applies to insurance for 90 days Schengen.

Multiple entry visas are issued to those who have previously visited the Schengen area. An annual visa allows travelers to move freely between countries with one condition that they must first enter the country that issued the visa. You can purchase a policy with any specified days and use them throughout the year.

Who to buy from

The first option is Sberbank's Schengen insurance

Coverage from € 30,000 to € 200,000
Validity up to 1 year, the number of trips is not limited
Persons over 65 years old are not insured here
For a trip for 10 days with a basic package of services, you will have to pay 534.07 rubles.

The company's website does not have any information about insurance specifically for those traveling to the Schengen countries. From general information it is known about insurance that it is advisable to purchase it at the headquarters of the company, and not online. According to many reviews, Sberbank is not famous for its efficiency and quality of service, so since you have decided to use the services of this company, it is preferable to check that all the papers are correctly drawn up.

VTB insurance Schengen

Service company - GVA (Global Voyager Assistance), part of the International Assistance Group (IAG)
Any destination for a stay up to 180 days
The minimum amount of coverage in this company is 30,000 euros
No age restrictions
For a trip to Europe for 10 days, you will have to pay 578.78 rubles

The company recently included a service such as travel cancellation insurance, which comes in handy given frequent travel disruptions. recent times due to the unstable situation in the world.

Schengen Reso insurance

For a standard package of 30,000 euros you need to pay 564.31 rubles.

RESO-Garant has existed for 25 years. During this time, according to the rating services, the agency acquired the "Exceptional level of reliability A ++". However, among the clients of this company there are a lot of those who are still dissatisfied with the service and speak negatively about the services provided.

Schengen Renaissance insurance

Coverage amount from 5,000 to 100,000 dollars or euros
The minimum possible stay is 3 days
If you buy a policy for a year, then each trip should not last more than 60 days
10 days of travel with the basic package will cost 549.84 rubles.

Insurance Schengen Alpha Insurance

The minimum amount of coverage is EUR 30,000
Stay up to 1 year
The cost of the trip for 10 days is 641.26 rubles.

The insurance policy from this company also offers a "cancellation insurance" service.

And the last option is relatively expensive - Schengen Ingosstrakh insurance

The minimum amount is 40,000 euros
Multiple trips for both 180 days and a year
Unlimited rides, each must be up to 90 days
The price for a standard package is 723, 48 rubles.

When choosing any company (even if not from this list), be sure to make sure that it has a license that is accepted in the Schengen countries. All the same, we are talking about your safety, you do not want to trust just anyone.

So, we learned that before you start packing your bags, the first thing you should do is get a visa for the Schengen area, which requires compulsory health insurance, without which it is impossible to obtain a visa. This is your guarantee that in case of unforeseen incidents you will be provided with the necessary assistance according to your insurance program.

Now the process of issuing this document has been simplified as much as possible and you do not need to worry about where to get insurance for Schengen. This is mainly done in the offices of the insurance company. And recently, thanks to our modern world now you can carry out such operations without leaving your home and take out insurance for a Schengen day right on the company's websites. Upon completion of the process, you will receive the document directly to your email. Print and attach to travel bag.

Before concluding a contract, be sure to check it for the correct spelling of your data and study it inside and out to avoid surprises. Make a note of and keep any required contact information. The more thoroughly you prepare, the better your rest.

Subscribe to blog updates. Ahead is our report on our new journey. Where do you think we are?

Have a safe and enjoyable flight! Press the social media buttons!

Believe in the dream and go!

If you are going to Europe and are preparing for a Schengen visa, you will have to take out insurance, since an insurance policy is a mandatory item in the list of documents submitted for a visa. In addition, it is highly likely that the policy may be asked for inspection at the border. It remains only to choose how and where to get it. I will share my personal experience, tell you the easiest way to make insurance and which one to choose.

Firstly, it is most convenient to issue an insurance policy online, so as not to waste time on trips to insurance companies, especially since there are now enough offers from trusted companies.

Insurance for Schengen from Liberty Insurance

Why did we choose exactly Liberty? Mainly, we were satisfied with the price and the fact that in the aggregate there are positive reviews for the company, in any case, it is working and proven. It acts as an assistance Сlass assistance("KLASS-Assist") may not be the best service company, but on the whole not bad. If you buy insurance mostly for safety net (sorry for the tautology) and provision to the Consulate or Visa Application Center, then the Liberty policy is a good option, for which you will not have to overpay, and in the event of an insured event, you will receive qualified assistance.

Assistance is a service company that will interact with you directly in the event of an insured event and send you to the hospital.

In short, the Liberty company has been widely known for a long time, and this, in my opinion, is much better than working with small unknown companies, even if they offer slightly more favorable prices. Calmer, so to speak))

Also, Liberty turned out to be one of the few, or rather practically the only company, in which, when applying for insurance, it was possible to include such an item as "Technical assistance"... What it is? This is a very, very useful addition for those who, like us, are planning a trip to Europe in their car. What is included here I will write below.

All these points became decisive for us in the process of choosing an insurance company.

Liberty herself gives an even more complete number of reasons motivating the purchase of insurance from her:

Note! When applying for insurance, it is worth considering the following requirements imposed by the Consulates and the EC:
The sum insured or the amount of coverage must be at least 30,000 euros(namely euros, not dollars);
If you are applying for a multiple entry visa, then you must provide insurance that will cover at least the first trip, for the next trips you will present new insurance at passport control.

To check the current prices, enter the data (as the territory of the policy, you can specify both a separate European country and the entire Schengen area as a whole) and click the "Calculate" button, if everything suits you, click "Checkout":

After you click on the "Checkout" button, you will be taken to the site, where you will need to fill in the remaining data and select all the options of interest. Nothing is complicated, everything is intuitive, but I will explain a couple of points.

Liberty has two policy options - STANDARD and ECONOMY, as you might guess, the second one is simpler, the first one includes more options. Exactly which points each option includes, you can read on the website by clicking on the sign «?» next to the section of interest.
If you are traveling to Europe by car, pay attention to the already mentioned above technical assistance(in the process of comparing insurance from different companies, this service was found only from Liberty and another not too well-known insurance company). The presence of this item in the insurance will increase its cost (for example, with the following data - 1 insured person, the duration of the trip is 14 days - you will have to pay 529 rubles for the Technical Assistance), but you, in case of malfunction, loss or damage vehicle receive compensation for the following expenses:
Roadside repair and towing
Delivery of spare parts for repair
Accommodation during the renovation
Repatriation (return) of a vehicle
Transportation of passengers
Providing a driver

After entering all the data, it remains only to click the "Issue a policy" button and pay for it. Payment is made by bank cards.

Figures for example: the cost of a STANDARD policy from Liberty for one person (adult) with a Schengen territory, a travel duration of 14 days, an insured amount of 30,000 euros and "No Adventure" is 942 rubles.

After payment, you will receive an insurance policy and a memo with the "Rules for voluntary combined insurance of persons leaving the site permanent residence", As well as an SMS with the policy number. The policy will need to be printed out and one copy must be attached to the package of documents for the Consulate or the Visa Center, and the second one must be taken with you on the trip, or simply save the phone number that you need to call when an insured event occurs. Do not forget to sign the policy on the appropriate line.

Attention! Insurance policies from Liberty Insurance are accepted by all Consulates and Visa Application Centers.

Alternative insurance options for Schengen (Tripinsurance and Cherehapa)

In addition to Liberty, there are other insurance companies that allow you to issue a policy online. For example, insurance from Tripinsurance... The company is renowned for its very good and reliable assistance. Mondial, but their prices are noticeably higher. After talking with one of the managers, we learned that the higher cost is associated precisely with the content of the assistance, which is very expensive for the company, but it is worth it. So if you go on a trip, for example, with a child or an elderly person, it is better to take out insurance at a higher price and be sure that the best assistance will be provided if necessary.

If you decide to opt for Tripinsures, read how to get a 10% discount on their insurance.

Another good option to compare many offers from insurance companies and choose something suitable is to use an aggregator Cherehapa, which, under the parameters you specified, will offer at least a dozen policies from different insurers (VTB, Consent, Alfa Insurance, RESO, Ingosstrakh, etc.). Many of them work with unknown and sometimes not very reliable assistants, but there is an opportunity to save on the policy.