If you are a non-EU citizen who requires a visa and want to visit countries such as Germany or Switzerland, you need a Schengen visa. Visa travel insurance with a minimum coverage of € 30,000 for medical emergencies is mandatory for the application.
You have to choose the right Schengen visa travel insurance. It is therefore important to make a Schengen visa travel insurance comparison before applying for the Schengen visa.
What does a Schengen visa travel insurance ideally include?
- Incoming international health insurance: We pay the costs for medication, visits to the doctor and hospital stays.
- Patient repatriation: We will take you to a hospital near your place of residence if it is medically sensible and justifiable.
- Luggage insurance: We support you if your luggage is stolen or lost. Only included in incoming health and luggage protection.
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What services does a Schengen visa travel insurance offer?
When applying for a Schengen visa, there are clear rules, also with regard to health insurance. Schengen health insurance must cover at least € 30,000 for medical costs and emergencies.
What is insured?
- Medically sensible and justifiable repatriation to a suitable hospital near your place of residence
- Medically necessary transport to the hospital abroad and back to the accommodation
- Medically necessary treatment as well as medicines and aids
- Pain relieving dental treatment and repair of dentures
- Rooming-in for inpatient treatment of children under 18 years of age
What is not insured?
X Dental treatments that go beyond pain relieving treatments or repairs to dentures
X Psychoanalytic and psychotherapeutic treatments
X Medical treatment for the purpose of which the trip was undertaken
X Medical treatments, the necessity of which was known before the trip
X Treatment of addictions
X Aids such as glasses or hearing aids
X Check-ups during pregnancy, delivery after the 36th week and medically not indicated abortions
X The treatment of injuries from sports competitions when you are making money by participating
Tips for completing a Schengen visa travel insurance online
- Have the travel period, destination, name and dates of birth of all fellow travelers at hand
- Payment by direct debit and credit card
- Foreign health insurance and all other travel insurance policies that do not include travel cancellation insurance can be taken out up to the day of departure
- The insurance premium for an annual insurance is often cheaper – look for the note “Our recommendation” in the booking path
Comparison of travel health insurance for visitors from abroad up to a stay of 365 days
Note: All of the travel insurances listed below for foreign guests staying in Germany for up to 1 year meet the requirements for a Schengen visa.
| Tariff | Age limit | Fulfillment of a Schengen visa | Emergency service | Premium per day |
|---|---|---|---|---|
| HanseMerkur | up to 64 years | yes | yes | 1.70 € |
| HanseMerkur | from 65 years to 74 years | yes | yes | € 3.50 |
| ERGO | up to 64 years | yes | yes | 1.40 € 1 day to max. 45 days from 1.70 € 1 day to max. 365 days |
| ERGO | from 65 years | yes | yes | € 3.30 1 day to max. 45 days from € 3.90 1 day to max. 365 days |
| Wurzburger | up to 64 years from 65 – 74 years from 75 years | yes | yes | € 1.60 € 4.50 € 6.50 |
| Allianz Travel up to 93 days | up to 65 years | yes | yes | from 1.60 € |
| Allianz Travel up to 93 days | from 66 years | yes | yes | from € 4.70 |
| EDUCARE24 * | up to 39 years | yes | yes | € 1.06 ** up to 18 months € 1.61 ** from the 19th month |
| EDUCARE24 * | up to 69 years | yes | yes | 1.80 € ** up to 18 months 3.67 € ** from the 19th month |
| PROVISIT * | up to 29 years | yes | yes | 1.28 € ** (conclusion within 1 month after entry for 1st to 12th month) 1.80 € ** (conclusion within 1 year after entry for 1st to 12th month) |
| PROVISIT * | up to 69 years | yes | yes | 2.13 € ** (conclusion within 1 month after entry for 1st to 12th month) 2.83 € ** (conclusion within 1 year after entry for 1st to 12th month) |
| Au-Pair24 * | up to 29 years | yes | yes | from 1.30 € ** |
| Care Visa Protect | up to 64 years from 65 – 74 years | yes | no | from € 0.85 from € 2.60 |
| Care Visa Protect Annual Policy | up to 64 years from 65 – 74 years | yes | no | from € 0.30 from € 0.59 |
| PROVISIT VISA | up to 64 years from 65 years | yes | yes | from 1.10 € from 6.50 € |
** The contributions are only payable as monthly contributions.
Daily premiums are listed for comparison only.
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