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
– 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
Medical expense coverage can be per-occurrence or maximum-limit.
Medical costs resulting from an accident or illness are covered up to the insured sum as per your insurance policy.
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.