The procedure for medical insurance of citizens of the Russian Federation. Insurance for a Schengen visa. How to get an insurance policy

Many residents of our country choose holidays abroad today. Traveling to Europe often requires a Schengen visa. Its receipt is possible if you worry about receiving it in advance medical policy... It should not be assumed that the issuance of a medical policy when traveling to the Schengen zone is an empty formality. Insurance saves a traveler in another country from many problems. She provides him financial support in case of illness. In the presence of this document, each tourist, being abroad, can count on medical assistance, which will be provided to him free of charge.

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In European countries, the cost medical care quite high. Therefore, if your plans include a long trip to the Old World, then in this case it is worth worrying about obtaining a medical policy for a Schengen visa in advance. After all, being in one of the European countries, sooner or later you will need to see a doctor. Having a medical policy, a visit to medical institution will not require you to spend money.

Basic requirements for a medical policy

A policy for traveling to European countries must meet certain criteria:

Insurance registration

Every person who is going to travel to one of the Schengen countries should think about registration insurance policy... If he does not have this document, then he will not be issued a Schengen visa. To get insurance, you need to take care of a certain set of documents that should be prepared before contacting:

passport;
amount of money to pay for insurance;
example of ready-made insurance;
insurance for a Schengen visa.

Necessary steps for registration

To get insurance without any problems, you should use the following instruction:

What determines the cost of insurance?

If we talk about health insurance cost for Schengen, then it differs depending on the country you plan to travel to and the amount of coverage. It is influenced by the number of days of your trip, as well as the cost of the voucher and the age of the insured person. The general state of demographics in the country chosen to visit is also important.

The type of vacation also has a significant impact on the cost of a medical policy for Schengen: if you have planned a regular visit to one of the European countries, then you will spend less money for insurance, than when traveling with extreme entertainment. In the latter case, the cost of the document will be more expensive, since the number of insured events present in it will noticeably increase.

For example, when issuing a policy for medical expenses in large Russian insurance companies for up to 30 days and covering 30,000 euros, the document needed by a tourist will cost amount 430 rubles.

Before concluding an insurance contract, you should carefully read its terms. You should pay special attention to the list of insured events and familiarize yourself with the terms of the franchise, which are present in the policy. You should be aware that medical insurance with a deductible will be cheaper. But part of the losses that are spelled out in it may not be paid by the insurance company. For this reason, the quality of such an insurance policy is low.

Annual insurance in Schengen

Registration of annual insurance for Schengen gives the tourist the opportunity to travel frequently abroad. It is required by businessmen who regularly have a need to conduct negotiations with business partners abroad. Also, a medical policy for Schengen should be made for people who have a craving for travel to European countries that are part of the Schengen area.

Registration of an annual visa gives an opportunity for free movement across the territory of the countries included in this zone for 12 months. However, there are several conditions that a tourist must fulfill. One of them: the first to visit the country that opened the visa. In the rest, you can make trips at your discretion.

When applying for an annual visa for Schengen, you mustso that the following marks are present there:

number of days to enter;
term of stay in each semester.

If your trips to Europe are solely related to work, then it is better to get an annual insurance and a visa. In this case, the traveler can obtain permission only if he has an official invitation in his hands, which must be issued according to all standards and have seals.

How is the procedure for obtaining health insurance for Schengen?

Several stages include the procedure for obtaining insurance for Schengen:

The cost of health insurance for Schengen: calculation features

In order to get health insurance, it is necessary not only to collect all required documentsbut also pay a certain amount for obtaining an insurance policy. At the moment, the cost of insurance varies from 30 to 50 rubles per day of stay in the territory of a state that is part of the Schengen zone. However, there are some peculiaritiesthat can affect the size of the insurance price:

if you need to issue a medical policy for obtaining a multiple-entry visa, then a certain system of discounts is used when calculating the cost;
a visa, which is issued in Schengen for a period of one year with the right to stay abroad for a month, makes it possible to buy insurance at a cheaper price. Usually it costs 270 rubles;
insurance for a Schengen visa, which is issued on maximum term, equal to 180 days, will cost a tourist 1,080 rubles;
the age of the policyholder also affects the cost of the policy. If the traveler is 65 years old, then the price of the medical policy increases by 1.5 times. After 75 years, the cost of insurance increases 2 times compared to the standard one, and tourists who are already 85 years old will have to pay 3 times more;
a policy for a child who has not reached the age of three will cost twice as much for the policyholder.

The cost of the policy increases if the plans of the traveler abroad include extreme entertainment, for example, diving or skiing.

There is currently no specific price for an insurance policy for Schengen. Depending on the insurance company in which the tourist decided to issue this document, it can change.

How to buy insurance for Schengen on the Internet?

It is not always necessary to contact the office of the insurance company in order to issue a medical policy for Schengen. In order to get the desired document, you can take out insurance online... Today, there are many sites of insurance companies in the network. By going to one of the resources and going through a simple procedure, you can get insurance online. On many websites of large insurance companies there is an opportunity to complete an application.

During this procedure, it is necessary to enter personal data in an electronic form, as well as information that relate to insurance for Schengen. Or a tourist can go to the aggregator's website and make a choice in favor of the insurance policy that suits him best. After reviewing the offers of insurance companies, you will only have to make a choice in favor of best option online insurance. You should decide in advance on the type and duration of the document.

When taking out insurance online, the client must provide the following data:

country of travel;
period of validity of the insurance document.

When you have entered the necessary information, you should pay for the service of issuing a medical policy online. Currently available the following payment options:

bank card;
electronic money system.

When the operation to pay for services is completed, a PDF document will be sent to the applicant's mail, which is a copy of the insurance contract. If you wish, you can get your hands on the original of the policy. To do this, you will have to contact the company that provided the insurance document registration service.

Conclusion

Travel to European countries is very popular among Russians. To visit the Old World, you need a Schengen visa. It allows you to travel across the European continent without encountering obstacles when crossing the border. To obtain it, you need such a document, as insurance policy for a Schengen visa... You can issue it at the consulate of the country to which you decide to go. It can also be obtained from the travel agency where you plan to buy a ticket.

Today, anyone can take out insurance online. Going to the website of the insurance company and submitting an application, and after paying for the services, the tourist receives a completed insurance contract. With it in your hands, you can safely travel around Europe.

Medical insurance is included in the list of mandatory documents that must be prepared to obtain a Schengen visa. The demand is quite justified: the services of doctors in Europe are expensive, and those who are in emergency a foreigner may not have the money to cover the necessary expenses. Health and even life in this case are at risk.

An insurance policy issued before traveling abroad saves a foreign guest from a number of unforeseen expenses for their own health. If a citizen decides to choose an extended insurance program, depending on the terms of the insurance contract, he has the right to hope for compensation not only for treatment, but also for a number of other expenses - travel of relatives to the hospital, legal assistance and even the organization of a rescue operation. Let's take a closer look at the rules for applying for a policy, cost, and also where you can make insurance for a Schengen visa.

Medical insurance requirements for a Schengen visa

Medical insurance for those traveling abroad is necessary in the event that a foreign citizen unscheduled the assistance of doctors while traveling. The reason may be injury, illness, or a sharp deterioration in health. If the reason the health suffered falls under the category insured event, the insurance company, depending on the conditions of insurance, will bear the costs of providing medical care. The task of the policyholder in this situation is to promptly inform the policyholder about the incident. Next, he will be shown which clinic to contact, answer questions, and provide an interpreter if necessary (if provided by the insurance program). If the case is urgent, then it is better to immediately call ambulance, and contact the service center of the insurance company (assistance) from the hospital.

For visiting Schengen countries, health insurance is a prerequisite - in its absence, you will be denied a visa. Moreover, each applicant, including children, must issue an insurance policy. The only exceptions are spouses of EU citizens and their children.

Important!
Consular staff take health insurance very seriously. The absence of a medical insurance policy for a visa applicant usually becomes a reason for refusal.

The key policy requirements are as follows:

The insurance period must start no later than the citizen crosses the Schengen border and cover all days of the trip. In other words, fully cover the period of validity of a short-term visa (does not apply to multivisa issued for long periods). At the same time, it is important that the 15-day corridor is automatically included in the policy.
The coverage area of \u200b\u200bthe policy is the territory of all Schengen member states.
The minimum insurance limit is EUR 30,000.
The policy must cover the costs not only for treatment, but also for posthumous repatriation in the event of the death of the insured.

Despite the unity of the Schengen area, each country puts forward its own requirements for documents, including travel insurance for a visa. In order not to be mistaken, you should carefully study the information on the official website of the embassy, \u200b\u200bconsulate or visa center of the country whose visa you plan to request.

How to get an insurance policy

Insurance for obtaining a Schengen visa can be obtained in two ways: online on the website of the insurance company (or an intermediary) or during a personal visit to the office. In the second case, you must present a Russian and foreign passport and answer a few questions regarding the trip:

exact dates;
insurance territory;
purpose of the trip;
type of travel (beach vacation, sports, etc.);
date of Birth.

Then it remains to choose the tariff and pay the insurance fee. The policy will be issued within a few minutes. Another option is to do this without leaving your home. The client will be offered to fill out a questionnaire, indicate the data of the passport and pay from a bank card or virtual wallet. Ready policy in in electronic format (usually in PDF format) the company will send by e-mail immediately after payment. It will need to be printed and attached to the package of documents for the consulate. Electronic variant the policy has the same force as that printed on official letterhead.

Note
Experienced travelers advise not only to print electronic policy and take it with you, but also take a picture on your phone so that you always have it at hand. An accident can happen suddenly, away from the hotel and all documents, and in most cases you need to contact the insurance company before contacting the clinic, that is, immediately. Carefully read the requirements of the insurance company: according to the terms of some insurers, a call to the service center is not mandatory.

Thus, the algorithm of actions and the list of documents when purchasing a policy remotely or in person are the same. Nevertheless, most travelers prefer to apply for medical insurance for a Schengen visa online: there is no need to waste time getting to the office and waiting in line. The client has the opportunity to pre-calculate the cost of the policy using a virtual calculator.

Insurance cost for a Schengen visa

The cost of health insurance for a Schengen visa depends on a combination of factors, namely:

the chosen insurance program: economical option, standard or extended;
the term of the policy;
coverage amount - maximum amount payments upon occurrence of an insured event;
the age of the policyholder and the state of health.

When applying for a Schengen visa, the amount of coverage must be at least 30,000 euros. This is a cost-effective package that includes the costs of treating a foreign citizen who is injured or suddenly ill. Here are some examples of expenses that an insured client of a number of insurance companies is entitled to reimburse for at an economical rate:

transportation to a medical facility;
inpatient or outpatient stay and treatment;
necessary medical advice;
surgical operations;
purchase of medicines prescribed by a doctor;
emergency dental care, excluding planned treatment (tooth injury or acute inflammatory process);
repatriation in case of death.

The economical tariff is followed by the standard tariff, which can additionally include several more items. For example, paying for travel to the place of residence after the hospital, living before departure after inpatient treatment etc. Travelers seeking to protect themselves as much as possible from possible expenses can apply for an extended program, which, among other things, may include legal and administrative assistance, payment for travel by land transport, if the flight after treatment is contraindicated, the return home of children who were with the victim , And so on.

When taking out insurance for a Schengen visa, the client can include items that are not related to medicine. For example, the loss of luggage, flight delays, loss of documents, and so on. Obviously, with the growth of the list of services, the price of insurance for a visa also increases. For comparison: an insurance policy for the minimum required 30,000 euros for ten days of stay in the Schengen area for one person will cost about 500 to 1,000 rubles, depending on the chosen company. If you expand the coverage amount to 100,000 euros, the lower cost limit will increase to about 740 rubles, the upper one can reach 2,000 rubles. And if you additionally insure your luggage, the cost of the policy will be approximately 3000 rubles per person. However, since different companies have different offers, it is possible to find an insurance program that takes into account different wishes and has a completely acceptable price tag.

Important!
Most insurance companies (but not all!) Refuse to reimburse the costs of treatment if at the time of the insured event the client was in a state of alcohol or drug intoxication. The rule applies to all cases, regardless of whether alcohol was the cause of the emergency or not. For example, if a coconut accidentally fell on a drunk traveler during a walk and injured him, the case will not be recognized as insured, although alcohol has nothing to do with the fall of the coconut.

The question often arises: how to buy the optimal insurance for a visa, so as not to overpay, but also not to be left without support in case of force majeure? Experienced insurers advise to assess risks objectively. If you are waiting for a quiet rest on the territory of the hotel, you can get by with the minimum necessary amount. If you are planning to conquer a wave on a surfboard or dive deep, it is better to turn on the option that adds active sports to insurance claims and increase sum insured... Additionally, you should take care of your luggage during connecting flights. The most important thing is to understand that insurance is not just a formality for obtaining a visa, but a real opportunity to save yourself from big problems and unbearable costs.

What kind of insurance to get for a Schengen visa?

With this question, we turned to the representative of the well-known insurance company "ERV Travel Insurance" (ERV), who gave the following comment:

“An important point when buying an insurance policy is understanding the purposes for which it is needed. If you buy a policy "for show" and are sure that nothing will happen to you during the trip, you can take out the insurance that is suitable in terms of coverage and cost, offered by the trip organizer. It will be enough to get a visa.

But for people who care about their safety, who know how to count money and who are aware of the importance of insurance, I would recommend paying attention to the proposals of our company ERV. We have developed advanced insurance programsthat cover the greatest number of risks at a reasonable cost of the policy. These are Standard Plus and OPTIMA, each of which is suitable for a Schengen visa. Also, ERV's arsenal provides insurance against such a nuisance as a forced cancellation of a trip - in the "Trip Cancellation" or "Trip Cancellation Plus" programs.

When “you just need insurance”, we offer the “Standard Plus” policy. It is suitable for a beach holiday and short sightseeing tours, but includes a much larger list of insurance claims than a standard policy, which is included in the tour package by default. Additional services include payment for the treatment of chronic diseases aggravated on vacation (including allergies), sunburn, primary detection of oncology and sudden complications of pregnancy for up to 24 weeks inclusive. This also includes insurance for scheduled flight delays, lost or stolen documents. Paid for search and rescue activities, visit of a relative during hospitalization of the insured person, first legal aid in case of legal proceedings, towing a damaged car on which the client is traveling. So, with an insured amount of 40,000 euros, the cost of one day of insurance under the Standard Plus program for a person not older than 65 years slightly exceeds 100 rubles.

The OPTIMA policy is chosen by experienced travelers who may have already faced insurance claims abroad. This program can be called optimal for both entertainment and business trips abroad. One of the reasons is that in the medical section, we have additionally included compensation for treatment for diseases or injuries resulting from alcohol, drug or toxic intoxication.

The OPTIMA program compensates for the same insurance risks as in the Standard Plus package, but in a wider range. For example, the treatment of a sudden complication of pregnancy that threatens the life and health of the insured citizen is compensated at a later date - up to 31 weeks inclusive (taking into account premature birth and medical care of the newborn). Additionally included insurance against accident, loss or delay of baggage and insurance civil liability in case of causing unintentional damage to someone's property. At the same time, the cost of insurance does not increase too much.

For parents with small children, we offer insurance that fully reimburses travel expenses in case the family is unable to go on vacation for an objective reason. This is the Trip Cancellation Plus program, which is paid in addition to the basic policy. For example, with a ticket price of 500 euros, the cost of such insurance per person will be 25 euros (5% of the tour cost). Travel Cancellation Plus policy takes into account the maximum possible number of insured events, including outpatient treatment. "

P. S. To find out details about various insurance programs, there is no need to visit the company's office - all the information is on the website. There, at any convenient time, you can fill out an online calculator and pay for the policy with a bank card. The document is certified by a facsimile seal, confirmed by a signature and sent to the email address indicated by the client in PDF format. Data enters the system, where it is securely stored and from where it is retrieved if necessary - their loss is excluded.

* Joint Stock Company "ERV Tourist Insurance" (ERV) operates under the license of the Central Bank of the Russian Federation SL No. 4009 and SI No. 4009.

** Information on prices is for informational purposes only and is not a public offer.

You can issue such a policy not only for a specific country, but also without any geographical restrictions. The duration of the insurance agreement may be limited by the dates of the trip, or it may be issued for a year. If the insured event occurs shortly before the expiration of the policy, then its automatic prolongation is no more than ten days.

To issue a policy, the client must provide the insurance company with reliable data about himself and about his health, as well as the health of his family members, if any are included in the contract. You can confirm this data by providing the following documents:

passport;
driver's license;
SNILS;
medical documents characterizing the health status of the insured.

As for the insurance policy for those traveling directly to the Schengen countries, it has some features:

impossibility of concluding a contract with a franchise condition;
the validity period of the policy cannot be less than the duration of the trip;
the minimum limit for the amount of insurance coverage is EUR 30,000;
the policy is valid in all countries within the Schengen area.

When issuing a Schengen visa, the most necessary condition (not always for the issuing party, but personally for everyone who draws up) is the presence of insurance. What criteria and points should be studied before purchasing an insurance policy.

The onset of certain consequences that are directly related to the production of payments. This clause implies that most insurance companies that have in their "arsenal" insurance that are suitable for obtaining a visa, significantly reduce its cost, increasing the risk that the incident will not fall under the purchased policy. This is mostly done in order to provide the "paper" to the consulate, and not to have a document on hand that will allow it to be protected.
Term honey. insurance must correspond to the period for which the Schengen visa is issued, or exceed its duration. This is due to the fact that most people who apply for Schengen, not counting on the fact that the receipt may be delayed, purchase insurance as cheaply and for a short period as possible. This attempt to save money can lead to many troubles and uncompensated expenses in the future. All this should be provided for before choosing the period for which the policy is purchased. health insurance.
For what period is the visa issued. Depending on the type of visa, its validity varies from three months to a year. Some cases allow you to apply for a visa for up to five years.
Number of times applying for a visa this year (if the validity period allows it). You should pay special attention to this point, since when purchasing a policy for a year, its final cost will be cheaper than buying insurance every time you travel abroad. Correct determination of the frequency of application of the Schengen, will save you a tangible amount on health insurance.
Also, the main criterion that should be followed when choosing health insurance is what kind of visa is open (tourist, student, work, child, etc.). For example, a Schengen visa open for work provides for a lower risk to human health and life, since this visa is based on the performance of any actions, the safety of which is determined by the employer. A tourist visa, on the other hand, is the complete opposite of a working one, since it basically carries rest, both measured and active, which provides for the possibility of injury. A separate subtype is the purchase of insurance for children. The child is active and constantly looking for adventure, these are the factors that should be considered when buying insurance.
Insurance payment amount. Depending on the cost, as well as the consequences that the insurance covers, the amount of its payment is calculated. This is an important aspect, since when purchasing a policy, which specifies a greater number of insured risks, its cost increases, but also together with this, the amount of compensation payments increases. Thus, the optimal amount of insurance compensation should be within 35,000 euros, which will mean an increased degree of protection when traveling.
Medical insurance for pregnant women is a special and necessary condition. Those women who are in a "delicate" position and go on a tourist trip or go to the Schengen countries in order to give birth must have an insurance policy. This will be an additional guarantee of peace, which is so necessary for pregnant women;
When traveling to the countries of the Schengen zone, for active tourism, the presence of an insurance policy is a prerequisite, personally for everyone. This is due to the fact that in the event of an injury and the need for hospitalization or the provision of the necessary emergency care, the owner of the insurance will not have to pay a "tidy" amount to cover expensive treatment, the insurance will do it for him.

Visa insurance is required to enter almost all countries. In order to arrange it, prepare:

Passport;
The amount of money to pay for the insurance policy.

Steps required for registration

Annual insurance for Schengen visa

If you need to take out health insurance for a Schengen visa in St. Petersburg, Moscow or your city, a citizen needs to know the mandatory requirements for it.

The duration of the insurance must correspond to the term of the short-term visa and overlap the dates of the trip: start before the day of entry into the Schengen area and end - no later than departure. Many insurance companies provide an additional 10-15 days, which can be used when the dates change.
The insurance does not include a deductible (part of the insured amount paid by the insured himself).
Minimum size insurance - 30 thousand euros.
The policy includes the provision of treatment, as well as posthumous repatriation.

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When contacting the Embassy of a certain country to apply for a visa, you should first clarify whether there are any peculiarities in the requirements for it. Some states put forward such.

What documents are needed to apply for a visa to Finland, except for medical insurance.

What's included

When looking for where and how to get health insurance for a Schengen visa, you should not forget about its differences. Most people prefer to take out insurance with a minimum set of risks and an amount of 30 thousand euros. Any insurer in Moscow, St. Petersburg, etc., it includes:

delivery to a medical institution;
undergoing treatment;
getting professional advice;
surgical intervention;
purchase of drugs as prescribed by a doctor;
emergency dental care (inflammation, trauma);
delivery of the body to the homeland in case of death.

Additional services

You can get health insurance today in almost any company in person or online.

At the office of the insurance company

In the first case, the procedure involves visiting the insurer's office and submitting an application. It contains personal data, the period of departure, the city of stay, the purpose and type of travel. The latter can affect the increase in cost if a citizen leaves for active sports, for example. In order to personally take out insurance for a visa, you must have an all-Russian and foreign passport with you.

The cost of an insurance policy for traveling to the Schengen countries depends on the duration of the trip, the age of the insured (when insuring children under three years of age and elderly people, increasing factors are applied) and the list of covered insurance risks.

The table below provides an estimate of the cost of this insurance product in various insurance companies.

Insurance for obtaining a Schengen visa must meet the following requirements:

The period of validity of the insurance policy must cover the entire period of the trip (validity of the visa);
The coverage area of \u200b\u200bthe insurance policy should apply to all countries of the Schengen area;
The insurance policy does not allow the presence of a deductible;
The insurance premium must exceed 30 thousand euros;
The list of expenses that the insurance should cover: first aid at the scene of the accident, transportation of the patient to the place of residence in the country, posthumous repatriation.

In some Schengen countries there are additional requirements for insurance. So, for example, to travel to Denmark, it is necessary that the validity of the policy exceeds the number of days of stay in the country by two weeks. Some consulates only accept handwritten insurance policies for visa applications.

Factors affecting the price of insurance in Schengen countries

The price of insurance required to enter the Schengen states is made up of a number of factors:

The amount of compensation after the occurrence of the insured event;
The size of the insurance period;
Information about the applicant: his age, occupation and health status;
A kind of insurance program.

If you are not an adherent of a conservative lifestyle, if you do not want to waste time going to insurance companies for a policy, then you can use the service to obtain insurance online.

This service is provided by many insurance companies. You just need to leave a request on the website of one of them, and after a while the policy in electronic format will come to your email. You can pay in one of the ways available to you:

Through payment services;
By bank card;
At the office of the insurance company.

In addition to the policy, you will also receive a message on your phone and a memo with general information. Almost all Schengen embassies accept printed copies of electronic insurance policies. But it is better to clarify the availability of such a possibility in advance.

Now you know almost everything about obtaining an insurance policy to enter the Schengen countries.

When submitting a request for "Schengen", be prepared for the fact that the insurance policy you submitted will be very carefully checked in terms of its compliance with the requirements of a member state of the Schengen area.

Why do you need visa insurance

Medical insurance for a visa must meet certain standards, provide for a mandatory minimum of assistance and additional options, if desired. It is possible to get health insurance for a Schengen visa in Moscow, St. Petersburg or any city according to the same procedure and on equal terms.

A health insurance policy for a Schengen visa guarantees coverage of the following costs:

The average price of insurance today ranges from 2,000 to 3,500 rubles. If the representative of the company you contacted, kindly agrees to meet you halfway and cut the price by at least half, expect a catch.

And the point is not even the fictitiousness or invalidity of the document, in this regard, everything is legal. As a rule, such discounts are valid for policies with a minimum list of insured events that he can cover.

Moreover, such cases may include circumstances, the probability of which is practically zero, therefore, when choosing a company, weigh the pros and cons, so as not to be the character of the proverb “The miser pays twice”.

You can find out about the reputation of the insurer by reading reviews on its website or chatting on thematic forums. In addition, the decency of the company can be judged by the number of litigations with its participation for the payment of insurance amounts.

Usually, organizations of this kind post statistics of payments on their official portals. This indicator must also be taken into account when choosing an insurer.

Legal force of the insurance contract in other countries.

In order not to face an unpleasant situation when the insurance policy "does not work", the issue of document quotation on the territory of other states must be studied in advance. Usually this information is provided in the insurance.

Finnish visa insurance must comply with all applicable European visa requirements.

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For a trip to Finland, where Schengen is also valid, the presence of a policy is mandatory for every person planning to visit the country both independently and on a voucher.

It is impossible to do without health insurance for several reasons.

You cannot apply for a Schengen visa without it

Insurance for a Schengen visa - at the request of the visa and immigration laws of the Schengen countries - a procedure mandatory for all foreign citizens who intend to visit this area. They must insure their health and life and get a travel medical policy.

It should be borne in mind that in different countries the requirements for insurance may be different, and for a visa, consulates accept documents only if there is a strictly defined insurance. Therefore, before proceeding with its registration, it is advisable to clarify all the nuances in the consulate of the country chosen for the trip.

Insurance may be asked to show at the border

It's a shame if you have to return home without reaching your goal. In some cases, you can get a policy at the office of the insurance company at the border.

You can take out insurance for a Schengen visa at any insurance company in your city that insures tourists traveling abroad, providing the necessary information: passport details, the country where you are going to go, and the dates of the trip.

On a note

One of the important points to consider is that even with 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 illnesses, 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.

How much 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 years old are at risk, so 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 using a 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 easiest and fastest way to purchase Schengen insurance online is on the Cherekhapa service, which will help you find not only the cheapest Schengen insurance, 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, it 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 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.

Types of visa insurance

The minimum program (A) is the cheapest insurance. List of insured events:

Transportation of the sick;
Posthumous repatriation;

Who to buy from

The first option is Sberbank's Schengen insurance

Coverage amount 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 Schengen countries. From general information about insurance, it is known that it is advisable to purchase it at the headquarters of the company, and not online.

Below is information about the requirements of various visa centers and embassies for TCD medical policies submitted along with other visa documents.

What is the minimum coverage required for travel insurance for a Schengen visa? Absolutely any embassy or visa application center of the Schengen countries requires insurance to cover medical expenses of at least 30,000 euros. And if earlier a person going on a trip needed to be careful so as not to accidentally buy insurance with coverage, for example, 15,000 euros, but now TCD insurance of absolutely all insurance companies precisely fulfill this requirement.

The fact is that in January 2017, a law came into force obliging insurance companies to provide protection to travelers under a travel insurance policy in an amount equivalent to at least 2,000,000 rubles. In the context of the sharply falling ruble against the dollar and euro, insurers had to urgently develop TCD programs with coverage of 35,000 dollars / euros and even 40,000 dollars / euros, so as not to contradict the law and not be fined.

Now all the main insurance companies on the market have switched to coverage for TCD 35,000 - 40,000 USD, so the condition that TCD insurance in Schengen should be covered for 30,000 euros is absolutely always met.

What should health insurance cover for a Schengen visa?

At the request of the Schengen visa centers and embassies, three risks must be included in the TCD insurance, which is applied for a visa along with other documents:

Health care
Emergency dental care
Repatriation of the remains of the insured to their homeland.

Let's analyze each risk in detail:

Medical assistance for TCD insurance

Should be covered for the entire amount of insurance coverage: accordingly, today it is at least 35,000 - 40,000 euros, depending on the current ruble exchange rate.

Emergency dental care with TCD insurance

The exact requirements for the amount of coverage are not documented. That is why almost all insurance companies cover this risk for only 100 - 250 euros. Ingosstrakh is the only insurance company on the Russian market that provides dentistry protection for at least 40,000 euros. Therefore, if you are concerned about the condition of your teeth and go on a trip, you should think about purchasing a travel policy from Ingossstrakh.

Repatriation of remains to their homeland

The amount of coverage is also not regulated in writing. Usually, insurance companies pledge for this risk from 10,000 euros and more, up to the entire insured amount of the TCD policy.

Why are 15 more days added to the travel period for travel insurance to Schengen countries?

Many tourists, when purchasing a TCD policy to the countries of the Schengen zone, are surprised why the TCD policy does not contain the dates of travel they chose, but the period is longer. The fact is that at the request of the embassies, insurance companies now have to add TCD to one-time policies to the travel period plus 15 days. At the same time, the number of days of insurance remains unchanged. This is done so that if a traveler, if due to some circumstances, could not take off / go on a trip on time, he could start his journey within the next 15 days, and all days of his stay abroad would be insured.

Example: a tourist must travel on September 1 and spend 14 days abroad. He has a TCD policy, which begins on September 1 and covers 14 days of his travel. However, at the border, the tourist was detained for non-payment of alimony: he quickly extinguishes his debts and buys a ticket with a departure in 3 days. On September 4, he successfully flies on vacation and from that moment on, 14 days of his stay abroad will be insured.

What are the requirements for insurance for a visa to Finland?

When applying for a visa to Finland, two rules must be followed that distinguish the insurance of this country from others:

The travel insurance policy must begin its validity from the date of submission of the visa documents. What does this mean: if you go on a trip on August 15 for 5 days, and you are going to apply for a visa on August 1, then your health insurance should start operating on August 1 and cover your trip for 5 days. Some insurance companies, for example, VTB Insurance, have a special option on their calculator, by selecting which, the calculator will ask you to enter information when you are going to apply for a visa. In VTB's TCD calculator, for this in the list of countries, you must select Schengen (obtaining a visa to Finland). choose travel insurance for multiple trips: this way you can provide yourself with medical protection for all trips for six months or even not a year in advance.
When issuing a policy to Finland, select “All Schengen” or simply “Schengen” as the insurance territory in the field for entering the country of stay. The policy should not include the name of a specific country. In principle, you can use this rule when purchasing travel insurance policies in all Schengen countries - so you will be sure that your medical travel policy will provide you with protection in any country of the Schengen area

What are the special requirements for insurance for a visa to Austria?

Due to the specifics of tourism to this country, the Austrian Embassy requires that in the winter period from October 01 to April 30, travel medical insurance in mandatory included additional coverage for skiing or snowboarding. If your trip does not provide for outdoor activities and sports, then you will need to submit in writing to the Austrian Embassy a refusal to practice alpine skiing or snowboarding.

Now that it has become clear exactly what kind of insurance you need, issue a TCD policy in 2 minutes on our calculator.

The insurance will come to your mail immediately after payment. All that remains is to print the policy and not forget it with you on your trip;)

Medical insurance for a Schengen visa is a mandatory document.

It makes no sense to expect a positive response to a request for an entry permit to a state belonging to this zone without a medical policy.

But the policy should not be taken as a formality either. The cost of medical care services in developed countries is much higher than in the Russian Federation, and, accordingly, they are much less affordable for budget tourists. A correctly selected honey package will help protect yourself and your loved ones from unforeseen circumstances. insurance.

Insurance requirements for a Schengen visa

According to the rules for entering the Schengen area, every foreign citizen must have a health insurance policy that guarantees financial security medical assistance services in the amount of at least 30 thousand euros. This is the cheapest insurance for a Schengen visa. She suggests:

unscheduled outpatient and inpatient treatment (including dentistry and surgery);
expert advice and purchase of prescription drugs;
repatriation of the remains in the event of the death of the traveler;
travel to honey. institution.

It's important to know! More expensive policy options can have an expanded range of services and even options not directly related to the provision of medical care.

For example, payment for accommodation after a hospital stay, the return of minors to their homeland in the event of injury or death of an accompanying person, etc.

But they all must meet the basic requirements for this kind documents:

No franchise. This is the minimum amount a traveler must pay out of pocket. Several years ago, it was $ 100, but now it has been completely abolished.
Covering the entire period of stay abroad. This applies to short-term travel. To comply this rule contracts usually contain a clause for extending the insurance period for several weeks.
The policy must be provided in hard copy. There are 2 ways: an official form at the insurer's office or a printed contract. They both have the same legal effect.
The policy should apply to all member states of the Schengen Union.

Not only adults but also children should be insured. For this, some insurers require special family contracts.

It's important to know! it general ruleswhich are adhered to by all Schengen countries. But each state can add its own clauses or soften existing requirements.

You can find out specific conditions at the consulate, visa center or at the embassy of the country to which the trip is planned.

Also, it does not allow to bypass the norm on compulsory health insurance and russian legislation... And although the sums to cover the costs are much lower than those declared for the Schengen area, the principle is the same - a person should not be left without qualified assistance abroad.

What affects the cost of insurance for a Schengen visa?

To save money, you should pay attention to the start date of the policy and indicate the exact number of days of stay abroad. At the same time, the period of automatic prolongation for 10-15 days does not affect the final payment amount.

The cost of medical insurance for a Schengen visa directly depends on the length of stay in the country of visit and is approximately 50-80 rubles. in a day.

The answer to the question of how much does health insurance for a Schengen visa cost, in addition to the period of stay, directly depends on several other factors:

insurance limit (30 thousand euros or more);
purpose and type of trip;
the age and health of the traveler.

Travel insurance for a Schengen visa with the intended rest on the territory of the hotel does not require special costs for the policy. Here, a practical solution would be to design the cheapest option. But if a citizen wants to go surfing, deep-sea swimming or alpine skiing, then it would be logical to include active sports in the list.

The applicant's advanced age or the presence of chronic diseases also affects the cost. Graduation goes over 10 years with a slight increase in price. For those with chronic diseases, options will be offered when help is provided in an exacerbation of the situation, but not as planned manipulations.

It is up to everyone to decide what kind of insurance is needed for a Schengen visa, based on their individual needs. In order not to become a hostage to your stinginess and not to end up on the red cross bed together with persons without a permanent place of residence, it is better to first realistically assess the risks in a particular trip.

How to get insurance for a Schengen visa online?

Almost all insurance companies have sufficient tools for issuing policies through the Internet. Insurance for a Schengen visa online saves the client's time and requires the following data to be entered:

year of birth;
the country the traveler is heading to;
the period of the trip and its purpose;
history data, possible risks.

Online registration takes place in a few clicks. The finished policy is sent to the email address in PDF format, protected from editing.

Visiting the insurer's office is the choice of people who do not trust modern technologies... Here the contract will be printed on standard forms with a live signature and seal. Also, this option is suitable for those who do not want to independently understand the nuances of the insurance conditions. Employees of the companies themselves will select the most relevant option.

There are many insurance companies and their intermediaries. All of them are collected on one aggregator site -.

In order to get insurance at the lowest price you need:

Go to the website-aggregator of insurance offers -
Enter travel details: country, travel dates and number of travelers.
The system itself will select all suitable offers and you will only have to choose insurance company and click the "Buy" button.
Enter your current data (in accordance with your foreign passport). Click the "Next" button.
Make a payment in a convenient way (this can be any online banking operating 24 hours a day or electronic payment systems Yandex.Money QIWI, Webmoney).

After payment, the insurance policy will be sent to the e-mail specified when filling out the contact information. Also, the insurance policy will be stored in your personal account on the website, which will be automatically created after the transaction is completed.

Also, to order health insurance online, you can use the form below:

How to use insurance for a Schengen visa?

An insurance policy for a Schengen visa must always be in the owner's access zone: like a photo on the phone or a photocopy in his pocket.

When an insured event occurs, the first thing to do is contact a round-the-clock operator, who will tell you which honey. institution on what transport to drive up and which doctor to contact.

If the list of drugs contains items that the pharmacist wants to replace with analogs, you should also first consult with the insurance company. All receipts are saved and sent to the insurer's office upon arrival.

It's important to know! A special point is the attitude towards alcohol and drug intoxication. Even if it did not cause the injury, it is pointless to count on compensation. The nearest honey will tell you the maximum. paragraph.