Medical insurance for visa and Schengen. How to get health insurance for a Schengen visa

1. Insurance abroad: what is it and why is it needed?

   For those traveling abroad, a policy is necessary for two reasons:

   • Health care. Travel insurance is protection against large unplanned expenses for the tourist himself. Abroad, medical care (even the simplest doctor’s consultation or calling an ambulance) is expensive. In some countries, they may even refuse medical care if you don’t have a policy. The cost of insurance for those traveling abroad is tens of times lower than what a traveler would spend in a foreign clinic in case of a common cold.
   • Visa application. One of the main conditions for obtaining permission to enter many countries is the availability of a medical insurance policy. For example, it is necessary to obtain insurance for a trip to Europe in advance, before submitting documents for its registration.
2. What does the cost depend on?

   There are 3 main criteria that can affect the price of the policy:

   1. The amount of coverage (the cost of medical expenses that the company will pay in the event of an insured event). The higher it is, the more expensive the policy.
   2. Age of the tourist. For children and pensioners, the likelihood of health problems is higher, so the policy for them is more expensive.
   3. Type of recreation. Active sports are associated with risks of injury and death, so the insurance premium is higher.
3. Where to apply?

   The easiest way to obtain insurance for traveling abroad to Europe is to apply online on the website. You can create a policy yourself using the calculator from the options presented and compare prices. You can pay by credit card. After this, the electronic policy will be sent to your e-mail. All that remains is to print or save the file on your phone so that all the necessary information is at hand.

   Also, medical insurance for traveling abroad can be purchased in the “traditional” way - at the company’s office.

Which insurance to choose for traveling abroad? This question worries many, especially those who travel for the first time.

There are several components in the policy:

• Health insurance, which provides coverage for the costs of examination, treatment on an outpatient or inpatient basis, transportation of a sick or deceased tourist to his homeland. This is the main part of the policy, which is issued during any settlement.
• From an accident. This option is relevant for those who are afraid of getting injured. So, in addition to treatment, you will receive additional compensation.
• From lost luggage. In the event of an insured event, the traveler will be compensated for the loss of his belongings and will be given the opportunity to purchase new ones.
• From not leaving. The tourist will be refunded the cost of the trip if he is unable to travel for reasons beyond his control (illness, emergency hospitalization or surgery, urgent summons to court, flight cancellation due to fault transport company etc.).

A trip to any of the Schengen countries is an exciting journey, but not only that. It is preceded by a fairly extensive bureaucratic program, one of which, along with obtaining a visa, is obtaining medical insurance. To the question: is insurance required? – there is only one answer: yes. The only exception is issuing one policy for a group of travelers, for example, a family or a group of colleagues going on a business trip can take out one insurance for everyone.

Health insurance should not be perceived only as an inevitable expense that does not bring any benefit to the traveler. This is not true at all. Who was even a little interested in the issue of providing medical care abroad, knows well how expensive it is in any of the Schengen countries. For example, calling an ambulance in Germany, depending on the presence or absence of the need to provide emergency assistance en route, will cost the victim between 300 and 600 euros. Without insurance, you may find yourself unable to pay for the necessary treatment. The policy will allow you not to think about such expenses as soon as they are needed.

Calculate and buy insurance for a year for Schengen

How is annual Schengen insurance issued?

Among the documents, a client contacting an insurer will only need a passport, as well as the amount of money to purchase a policy.

It is important to note that purchasing annual insurance is always more good deal than by more short term. Of course, if a traveler intends to visit any of the Schengen countries for 1-2 weeks and not leave Russia for more than a year, then such expenses are unnecessary. However, annual insurance is very beneficial for those who go abroad for long-term treatment, training or for work purposes.

There are several ways to get insurance for a year for Schengen:

1. If you decide to go abroad on a tourist package, then it is easiest and fastest to apply for the necessary medical insurance directly from the tour operator. Typically, travel agents themselves offer several options to choose from. affordable price. Moreover, if you refuse insurance, you may face the fact that they will not sell you a ticket. Moreover, according to accepted Federal law from No. 155 of December 28, 2015, travel agents are required to inform their clients, upon signature, that insurance is required.
2. If you do not want to buy a trip, but want to travel on your own, then you should contact your chosen insurer. You will only need to provide your passport details, country of visit, length of stay and insurance period. However, before doing this, you should familiarize yourself in advance with the conditions mandatory for incoming insurance in the specific country you have chosen. You can find out these conditions at the visa consulate of that country.
3. You can use the services of an insurer serving your employer. It is quite possible that payment in such a situation, when the departure is for business purposes, will be made by the company. In this case, it is very profitable to immediately take out annual Schengen insurance, since you can use it not only for business, but also for personal purposes (to go on vacation, for example).

How much does annual insurance cost for a Schengen visa?

The total cost depends on which country you are going to. The price of the policy depends on the amount of insurance coverage, and according to Federal Law No. 155 of December 28, 2015, its minimum amount is 2 million rubles, or the equivalent amount in euros at the Central Bank exchange rate on the date of registration of the contract.

The final price is determined based on the duration of validity, the age of the buyer, as well as some other factors. For example, visiting a resort on the coast with your family to relax on the beach will cost less insurance than a vacation on ski resort for the purpose of practicing winter sports. The price increases due to the expansion of the range of services provided under the contract.

Taken together, all these factors determine how much the annual fee costs. Of course, each insurance company has its own tariffs, however, by comparing the offers of the largest representatives of the insurance market, you can be convinced that the spread is not so wide.

Advice: do not rush to sign the contract without reading it. Check the list of insurance cases and make sure that it suits you. Check whether there is a deductible, since such insurance is cheaper, but you can only use it in really serious cases, and you won’t be allowed to enter Schengen with such a policy at all.

What are the requirements of Schengen consulates?

Insurance for a year for Schengen must meet the following standard requirements of consulates:

1. The validity period is not shorter than the period of stay in the country (the validity period of the visa).
2. Coverage area: the entire Schengen area.
3. Franchising is unacceptable.
4. The amount of insurance coverage is from 30 thousand euros.
5. The list of insured events includes provision of first aid at the scene of the accident, transportation to the place of residence in the country of arrival, as well as posthumous repatriation.

This is a standard list of requirements, but some countries have additional conditions. For example, the Danish consulate requires an extension of the insurance period by 2 weeks beyond the duration of stay in the country, while other consulates require the submission of hand-filled insurance.

Features of annual insurance for a Schengen visa

Purchasing a policy for a year is a great advantage for those who intend to travel frequently to the Schengen area over the next 12 months. Having taken out insurance for a trip to any of the states, you can later use it to travel within the Schengen zone. There is only one requirement: first you need to go to the country for which the visa was issued in your passport. After this, the traveler’s freedom of movement is not limited.

The visa in such cases contains two marks: the number of days for entry, as well as the period of stay in Schengen in each half-year. It should be noted that an annual visa is issued by consulates only when the applicant has an official invitation, which is issued according to a strict standard and must be certified with the appropriate seals.

Let us present an algorithm for purchasing insurance through this search engine. Purchasing through is fundamentally no different.

1. First of all, follow the link to the Cherekhapa website and fill in the main search fields: indicate the country of destination as All Schengen countries, write the dates of travel, the number of travelers and their age and click “Find insurance.”

2. All insurances for Schengen visas from Cherekhapa’s insurance partners have appeared. At the top right, you can adjust the search conditions, change the amount of insurance, and also specify additional conditions if you need an annual policy, or you are already traveling, or if you are not a citizen of the Russian Federation. However, if you are taking out insurance for a Schengen visa, you do not need these items.

3. Next you need to enter additional options. This point is very important, you should not skip it, especially if you have various specific diseases. Therefore, click on the “details” button, under the block indicating the amounts of insurance and see what is included in the basic insurance of all insurers and what is not. Check the boxes next to the items that you would like to add to your insurance.

4. All insurers besides basic set options, there are also some additional ones (each has its own). To clearly see this, let’s select several insurance policies, and you can immediately clearly see what additional options are included in whose insurance policy. Very comfortably.

5. For each insurer, you can find out which Assistance it works with, whether or not there is a deductible (policies purchased through Turtle do not), insurance rules, as well as an insurance sample.

6. If you are going to play sports, be sure to indicate this, because if you break your legs skiing in the Alps, but your insurance will not indicate that you are going to play alpine skiing, you will be treated at your own expense. Therefore, indicate what sport you are going to play.

You can also choose other options such as flight insurance, baggage insurance, and so on, but this is not at all necessary.

7. In addition to this, at the very bottom of the search page there is a convenient sorting function by Assistance. For convenience, you can immediately check the boxes next to normal service companies, so as not to inadvertently buy the wrong thing.

8. So, you have chosen the insurance that suits you, click “Buy” and proceed to the registration process. Here you need to add everyone who needs to be insured, indicate their details and who will pay for it all.

9. After this, the payment process takes place. You can pay by credit card.

After payment, you will receive an insurance file by e-mail, which you will print and submit along with the rest of the visa documents, and then take with you to Europe.

If you are going to Europe and don’t know what is the cheapest insurance for a Schengen visa that you can buy online, today I will tell you about it. Moreover, Europe is not Asia and in order to obtain a Schengen visa, traveler’s medical insurance is required.
Nowadays, buying insurance to Europe online takes no more than a couple of minutes, you don’t need to waste time traveling anywhere, you can compare all insurance options for Schengen without leaving your computer,
and choose the cheapest and most reliable one.
Plus, in this article you will find information on how to buy the cheapest insurance for a Schengen visa for a year for trips to Europe for 30, 60 or 90 days without losing the quality of services.

Insurance for Schengen - where to buy insurance to Europe online?

If just a few years ago, most travelers to buy insurance abroad went
to the office of insurance companies, now everything has changed. Progress does not stand still; insurance abroad, travel vouchers, air tickets, transfers and other things necessary for a trip to Europe can and should be ordered online.

Firstly, it is cheaper and sometimes several times cheaper. Secondly, it’s fast, and you don’t need to waste precious time getting somewhere or walking. The savings also come from the fact that online you compare more than a dozen offers at once from the most popular insurance companies.

The most convenient way to select and buy insurance for Schengen online is on the website, where everything is simple and clear even for beginners.

They work only with well-known insurance companies; it is convenient to compare the number of options included in the insurance in order to buy an insurance policy at the best price.

To obtain a Schengen visa, you must comply with all the rules for purchasing travel health insurance for Europe.

1. The minimum threshold of insurance compensation must be 30,000 euros (50,000 dollars).
2. Insurance for Schengen must be without a deductible. (this is only to our advantage).
3. Insurance to Europe to obtain a Schengen visa must cover the entire Schengen area, and not just the country chosen for your stay.
4. Please take into account the fact that insurance for Schengen must cover the costs of repatriation, return of the insured, and hospitalization.
5. All electronic stamps and signatures on an insurance policy purchased online are equivalent to “wet” ones and are accepted at embassies for obtaining a Schengen visa.

Despite the fact that the conditions for obtaining a Schengen visa and insurance for Schengen are the same, some countries
add a number of insurance requirements to Europe. For example, in France, Schengen insurance must remain valid for a couple of weeks after the end of the trip.

The cheapest insurance for Schengen online - what to consider?

The price of insurance to Europe for obtaining a Schengen visa depends on several factors.
For example, insurance with coverage of 30,000 euros will certainly cost less than insurance with coverage of 100,000 euros.
If you choose extreme types of entertainment (skis, snowboard, bike, bicycle, parachuting etc.), know that you will have to pay extra for them.

Typically, insurance companies sell insurance for children under 3 years of age and people over 65 years of age with an increased coefficient.
But this doesn't always happen. Some insurance companies do not have such additional payments for age.

For example, the companies “Soglasie”, “ERV”, “VTB” do not have a coefficient that increases the cost for small children. There is no franchise either. So this is a good option.

In every article I write about insurance, I advise everyone to buy it, since Assistance Euro Holding Center, which provides this insurance, best reviews and 22 additional options.

Insurance for a Schengen visa from ERV includes - emergency dentistry, taxi to the hospital, payment for the insured after treatment and hospital stay before leaving home, treatment of exacerbations of chronic diseases (very rare), assistance with cancer, assistance as a result of terrorist attacks, floods and natural Disasters, insurance against loss of documents, legal assistance and much more.

The cost of ERV insurance to Europe (All Schengen countries) is only 569 rubles per week.

This is not the cheapest insurance; the cheapest option is provided by companies Renaissance, Concord, Support:

But the most reliable, not only according to our reviews and impressions after going to the hospital with ERV insurance.

Insurance for a Schengen visa - Why is insurance for a year better and cheaper?

When you choose your Schengen visa insurance online, you will be presented with several options.
Can buy health insurance for specific dates, for example, for a one-time trip or insurance for a year, with floating dates.

What is annual insurance and why is it profitable to buy it?

If you travel abroad several times during the year, then an annual insurance policy will cost you several times less!

For example, the same ERV Euro Center Holding sells annual insurance abroad (All Schengen countries or the whole world), for only 5,372 rubles with annual coverage of 50,000 euros and 6,052 rubles with coverage of 100,000 euros.

The beauty of this option is that you can any number of times a year travel abroad and use this insurance while abroad for up to 90 days.
In order for the annual insurance to work in the next 90 days, you need to travel to Russia. Other countries are not suitable.

In total, by purchasing insurance for a year for less than $100, with coverage of 100,000 or 50,000 euros, you get the highest quality and working insurance, which has 22 additional options,
actually pays for visits, hospitalizations and major medical expenses, while collaborating with the best hospitals in the world.

And by the way, ERV is the only one Insurance Company, which allows the insured to drive a car abroad at no additional cost. All other insurance companies do not cover accidents while driving, even as an additional benefit. options.

Which Assistance to choose when choosing insurance for Schengen?

For those who have not delved into the intricacies of medical insurance for tourists abroad, I will briefly explain the basic concepts.

Assistance is a company that cooperates with the insurance company and it is assistance that enters into an agreement with the hospital to which it will refer you if you apply.
Therefore, it is important not only the name of the insurance company (it is just secondary), but namely the assistance company, which will coordinate, guide, and approve everything for you.

There is no perfect assistance, but the best reviews about assistance are.

It’s common to criticize GVA, but I can’t say anything bad about them. We had assistance from GVA several times, we contacted them, they paid us everything, I have no complaints. It's the same with friends.
Recently, my friends family spent a week in the hospital with Dengue fever, the bills were enormous. VTB assistance GVA paid all expenses, there were no hassles, there were no obstacles.

IN this moment By far the best, most profitable and reliable policy is ERV. The choice is yours, but if possible, especially for children and the elderly, I would take it.

If you fly abroad even a couple of times a year, it’s now cheaper and better than their offer for an annual policy (5376 rubles).
Similar options from Opora - 18,300 rubles, Renaissance - 11,500 rubles, Ingosstrakh - 26,700 rubles.

Franchise is cash payment, which you will have to pay every time you go to the hospital, the deductible amount is set by the insurance company. Most often it is 30 - 50 euros.
That is, if you bought insurance with a deductible, then each time you pay 30-50 euros, and the remaining amount, if the bill for the application is higher, is paid by the insurance company.
Never buy insurance with a deductible. Check before purchasing!

On Cherekhap, the most important information is presented in separate 4 points.
Click “Details” and see:


Assistance
Franchise - (yes or not)
Insurance rules
Sample policy

The rules describe what the insurance covers, how to properly use insurance in a situation requiring medical intervention, how and where to call, etc.

Insurance for a Schengen Visa is the cheapest and most reliable option - Bottom line

The best, cheapest and most reliable insurance option for a Schengen visa is ERV.

With coverage of 50,000 euros and 100,000 euros, it costs less than $100, is valid for a whole year, and each trip can be up to 90 days long.

The cheapest insurance for a Schenge visa for a single trip:

Renaissance - 362 rubles per week, covering 30,000 euros
Support - week 376, coverage 30,000 euros
Consent - 376 rubles per week, coverage 30,000 euros
VTB - 376 rubles per week, coverage 30,000 euros
Rosgosstrakh - 376 rubles per week, coverage 30,000 euros

Basically, insurance companies cooperate with assistance agencies - AP, Class, Balt, GVA, Euro center holding.

Which Schengen insurance should a child or an elderly person choose?

If it is possible and you really buy insurance for Schengen so that you can use it in case something happens, and not just to get a visa, then buy an ERV, you can’t go wrong.
Excellent and polite call center, everything is immediately agreed upon, paid, the cost of insurance is reasonable, there is no deductible and they are sent to the best hospitals in the country of insurance.

If you buy insurance just to get a Schengen visa, take the cheapest option, but without a deductible.
At the moment there are 5 companies - VTB, Renaissance, Soglasie, Opora, Rosgosstrakh.

Where to buy insurance for a Schengen visa online?

Online insurance for Schengen is fastest and most profitable to buy at

Any insurance purchased from them meets all visa requirements, only reliable insurance companies are represented, the lowest prices, excellent support for the insured.

The website has a chat in which the broker's employees clearly and quickly answer all your questions. This can be very helpful in a disputed case during an insurance claim. From experience I can say,
that if you buy insurance abroad at the office of any insurance company, as soon as you pay the money, interest in you will be lost.
I love Turtlepa because during the entire insurance period they will help you and advise you if anything happens. Even if you don't have insurance, you can contact them, they never refuse.

How to save money on a hotel or apartment on vacation?

I'm looking on the Rumguru website. It contains absolutely all discounts on hotels and apartments from 30 booking systems, including booking. I often find very profitable options, I can save from 30 to 80%

How to save on insurance?

Insurance abroad is required. Any appointment is very expensive and the only way to avoid paying out of pocket is to choose an insurance policy in advance. We have been registering on the website for many years, which give the best prices insurance and selection along with registration takes only a couple of minutes.

Today, many citizens of our country strive for independent tourist trips or work abroad. Health insurance is one of the most necessary documents which is required to obtain a visa.

sample of issued medical insurance for traveling abroad

The presence of an open Schengen visa today allows you to freely travel to many developed countries. European countries. Currently, Schengen includes 26 various countries Europe.

Here you can choose the cheapest insurance option and apply for it online. Within a few minutes after purchase you will receive an insurance policy to your email(e-mail). After that, you can calmly go serve.

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

1. The occurrence of certain consequences that are directly related to the payment. This point implies that most insurance companies, which have in their “arsenal” insurance that is suitable for obtaining a visa, significantly reduce its cost, increasing the risk that the event that occurs will not fall under the coverage of the purchased policy. This is mostly done to provide “paper” to the consulate, and not to have a document in hand that will allow you to be protected.
2. Term of 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 expecting that the period of receipt may be delayed, purchase insurance as cheaply as possible and for short period. This attempt to save money can lead to a lot of troubles and uncompensated expenses in the future. All this should be provided for before choosing the period for which a health insurance policy is purchased.
   
3. For what period is the visa issued? Depending on, its validity period varies from three months to a year. In some cases, you can obtain a visa for up to five years.
4. Number of times the visa has been used for the current year (if its validity period allows). This point should be noted Special attention, since when purchasing a policy for a year, its final cost will be cheaper than purchasing insurance every time you travel abroad. , will allow you to save a significant amount on health insurance.
5. Also, the main criterion that should be followed when choosing health insurance is which visa is open (tourist, student, work, etc.). For example, a Schengen visa open for work provides for a lower risk to human health and life, since the basis of this visa is the performance of any actions, the safety of which is determined by the employer. A tourist visa is the complete opposite of a work visa, since it is based on leisure, both measured and active, which includes 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 taken into account when purchasing insurance.
   
6. Amount of insurance payment. 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 that specifies large quantity insured risks, its cost increases, but at the same time the amount of compensation payments also increases. Thus, the optimal amount of insurance compensation should be within 35,000 euros, this will mean increased degree security when traveling.
7. Health insurance for pregnant women is special and necessary. Those women who are in a “delicate” situation and are going on a tourist trip or are sent to give birth must have an insurance policy. This will be an additional guarantee of peace of mind, which is so necessary for pregnant women;
8. When traveling to Schengen countries, for active tourism, having an insurance policy is prerequisite, personally for everyone. This is due to the fact that in the event of injury and the need for hospitalization or provision of necessary emergency care, the insurance owner will not have to shell out a “tidy” sum to cover expensive treatment, the insurance company will do it for him.

What to consider when choosing an insurance company

So, having decided on a specific category of insurance policy, to visit which country it is needed, as well as the list of cases in which the insurance will “work”, you should take an equally “evaluative” approach to choosing the company with which you plan to enter into an agreement. Today, almost all insurance companies provide medical policies for visas. Which company is better to choose in order not to get into a hopeless situation and to protect yourself and your loved ones:

1. The very first thing that should alert you is regarding low price, compared to the others. Considering this point more deeply, it is worth focusing on the following. Cheap insurance, even if it begins to cover insured events, their list will be minimized and contain the category that relates to the lowest risks, or may not occur at all. Also, these companies sell “paper” with the inscription “insurance”, and not a document, which can later become a weighty argument when compensating for treatment costs. Currently, the cost of insurance varies from 2000 to 3500 rubles, and therefore, an insurance policy offered for half the price of this, much less than 1000 rubles, should raise suspicion.
2. You should familiarize yourself in detail with the companies that sell travel insurance, study reviews about them, and ask friends and acquaintances. There are a large number of insurance companies today, but those that have a positive reputation, as well as a minimum number of legal disputes, are very few. The right choice is directly related to what consequences the insured person will expect if he is injured or seeks medical care.
3. It is also important that the insurance company is “listed” in the country to which the person is traveling. Subsequently, the policyholder will have significant problems when seeking assistance from medical institutions, as well as payment for doctors’ services and diagnostic and laboratory tests.

Online ordering of a policy and its legal force

The progress of today and the widespread use of the Internet in any industry makes it possible to order a policy while sitting at home in a comfortable chair. Having the ability to order an insurance policy through the World Wide Web greatly simplifies life and the process of obtaining it, because it is enough to select a “thoroughly verified insurance company” and place an electronic order by filling out such required fields as:

• Country of Schengen visa to which departure is carried out;
• The period for which insurance is purchased. Please note that this insurance must exceed the validity period of the visa. When the visa is issued for a year, and also if its use will be frequent, then annual insurance will be more effective and less expensive.

After filling out the order for insurance, you must pay via bank card, or system electronic money cost of the policy. After carrying out the specified procedure, a file with a PDF extension will be sent to the specified address, which is an exact copy insurance. If you display this file on paper, it will have the same legal force, like the policy itself. At any convenient time, a policy purchased online can be obtained on a special form issued by the insurance company.

sample of online travel insurance, which was made and paid for on the Internet

Types of insurance policies

When considering insurance policies for traveling abroad, you should focus on what type they are? The classification of insurance is divided into three types, which are known in many industries, these are:

• economy;
• comfort;
• premium

Economy class policy

Considering the types, it should be noted that the economy class policy includes medical insurance for the least possible circumstances that may occur. His prescribed cases carry the usual list of possible (limited) requests for help from a medical institution. That is, if you need to conduct a more complete examination, or take tests, you will have to fork out of your own pocket.

Economy class health insurance is available to everyone