We are sometimes asked questions regarding the Schengen travel Visa and the travel insurance that is needed.
In many cases, the person traveling is in the age group of 20 – 30, may be a student and therefore generally the person is not covered by any other scheme.
(Whilst just having said that, please note that many people that are covered by a local South African medical aid are able to access a certificate of coverage through the medical aids international travel benefit. In many of these cases, this meets the requirements for the Visa and would be acceptable. In which case, this article is not directed at you).
However, for those without medical aid cover that want to obtain a Visa for the Schengen area would need to obtain travel health insurance to get the Visa (a quote is not acceptable).
The Schengen area is the following countries:
Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland .
The main requirements of the cover for the purposes of the Schengen Visa, as issued by the European Union are:
– Minimum medical coverage of € 30 000
– The policy number and dates of cover must appear on the document
– No quotes will be accepted
– The insurance must cover costs for emergency treatment, hospitalization, urgent ambulance transportation and medical evacuation back to the home country
A company that we are using has designed a product specifically to meet these requirements.
The insurance can be captured online by the agent, not by the client (the client would complete a simple 2 page application).
The premiums for the insurance are cheaper than most insurance covers.There are various options available depending on how long you wish to travel for. The product meets the requirements of the European Union.
My reason for writing this article is that there are so many sites on the web which offer insurance cover that it is difficult for anyone to choose a product. Therefore, when i found a product which meets the requirements, whilst not being overly expensive (many people applying for the Visa are students, as i mentioned earlier) i thought it best to bring to the attention of the audience looking for this type of cover .
In summary, if you are applying for the Schegen visa … you do not have to take the most expensive option of medical insurance to meet the requirements of the European Union.