Incoming insurance: Take out travel health insurance for foreign guests


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Do you want to take out travel health insurance for foreign guests so that your guest can travel to Europe with the best possible protection and worry? Here is a introduction to the so-called incoming health insurance that a non-EU citizen who requires a visa must present for his trip to Europe. 

Just remember that not every insurance company meets the requirements for the Schengen visa! Find out which foreign guests need travel health insurance and how you can select and apply for the right Schengen health insurance.

Incoming insurance

What is incoming insurance?

If you come from a country that requires a visa and want to travel to the Schengen area, when applying for the Schengen visa, you must prove that you have taken out travel health insurance for the Schengen area. Because the traveler enters the Schengen area, one speaks of an incoming insurance. 

Often the term is also used in connection with the invitation and travel health insurance of a foreign guest, because incoming travel health insurance can usually also be taken out by the hosts .

Ultimately, incoming health insurance is health insurance for the Schengen visa . There are many different terms for this type of insurance (Schengen insurance, Schengen visa health insurance, visa travel insurance, incoming travel health insurance, European travel health insurance, etc.), but one thing is important: the insurance must meet the requirements for applying for a Schengen -Fulfill a visa. The criteria for travel health insurance are regulated in the EU Visa Code.

Travel health insurance for foreign guests: What requirements should you pay attention to?

Incoming health insurance for a Schengen visa must have coverage of at least € 30,000 . This is the only way for the travel health insurance for foreign guests to cover the costs of emergency medical treatment, and only in this way will the countries visited not incur any costs. 

The Schengen travel insurance must be valid for the entire Schengen area (optionally the entire EU) and cover the entire travel period. In addition, the insurance must cover repatriation in the event of a medical emergency or death.

Incoming insurance

Which incoming health insurance to choose for the Schengen visa?

With a travel health insurance for foreign visitors , a Schengen visa type C (up to 90 days) or a national visa (longer than 90 days) can be applied for. AXA offers three different travel insurances for foreign guests. All policies comply with the Schengen Visa criteria and do not require a deductible.

Choose between an inexpensive variant, a variant with extended insurance protection and practical annual insurance for frequent trips. All three insurance policies are recognized by all embassies and consulates where a Schengen visa can be applied for.

A comparison of three travel health insurances for foreign guests

  1. Low-cost travel insurance: You can take out incoming health insurance for the Schengen area and for a Schengen visa from as little as € 0.99 per day. With an insured sum of € 30,000, medical treatment costs, repatriation and assistance are covered in an emergency, so that your guest can pack his suitcase and go on a journey without any worries. The low-cost travel health insurance is suitable for applications for Schengen visas type C and for national visa applications for up to 180 days, as the insurance can be taken out for a period of up to 6 months.
  2. European health insurance: From € 1.50 per day, your foreign guest receives extended insurance benefits and a higher coverage amount of € 100,000. This travel health insurance for foreigners is not only valid for the Schengen area, but also for the entire European Union – i.e. also for EU countries that are not part of the Schengen area, such as Ireland. The “Europe-Travel” travel health insurance is suitable for applications for Schengen visas type C and for national visa applications for up to 180 days, as the insurance can be taken out for a period of up to 6 months.
  3. Multi-trip health insurance: You can take out this annual insurance for frequent travelers from as little as € 298. This means that your guest does not have to worry about insurance cover before each individual trip. This policy also includes a higher coverage of € 100,000 as well as extended insurance benefits. The annual insurance is valid in the Schengen area and throughout the EU. In contrast to the two previous Schengen travel insurances, with the multi-trip insurance, the individual trips may not last longer than 90 days. The Schengen travel health insurance for foreign visitors is only suitable for Schengen visas type C.
Incoming insurance

As a host, how can I apply for health insurance for foreign guests?

As a host, you can also easily take out insurance online for your foreign guests. You can easily forward the proof of insurance to the visa applicant by email. In order to take out insurance online as a host, you need the following information on the foreign guest :

  • Surname
  • birth date
  • Passport number
  • nationality
  • Country of residence of the insured person

All incoming insurance can be taken out as:

  • Travel sickness insurance for foreign guests in Germany
  • Travel health insurance for foreign guests in Switzerland
  • Travel health insurance for foreign guests in Austria

In addition, every Incoming insurance policy should be valid for all Schengen countries (optionally also for the EU). This means that if you take out travel health insurance for foreign guests in Germany, for example, this is also valid for Austria and Switzerland, since both countries are also Schengen countries.

FAQ travel health insurance for foreign guests

Which incoming insurance for foreign guests is the cheapest?

For foreign guests who want to travel to Europe from non-EU countries, the low-cost option from € 1.06 per travel day is one the cheapest incoming insurance that also include emergency services. Find out more here.

Is it possible to take out incoming insurance after entering the country?

Foreigners who require a visa must present Schengen travel insurance when applying for a Schengen visa, i.e. before entering the country. Travelers who do not require a visa and who want to take out travel insurance for European trips must also take out insurance before they start their trip.

Can I extend an incoming insurance?

If you do not leave the Schengen area, your contract cannot be renewed. Only if it is impossible to return to your country of residence under certain verifiable reasons and your original insurance policy has not yet expired, your Schengen incoming insurance can exceptionally be extended (cancellation of your return flight is not a sufficient reason if there are alternative flights).

Expaturm aims to help educate Expats in Germany on key issues that they will have to deal with while living in Germany by providing everything you need to know about Banking, Healthcare, Lifestyle, and Housing in Germany


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