Travel Health Insurance France Visa
Schengen Visa Insurance – Europe Travel Insurance for Schengen Visa
When visiting Europe travellers shall be financially covered so to properly challenge any sudden event that might call for unanticipated expenses. As for that matter, the concept of travel insurance policy has been proven to help travelers offering the needed financial support and comfort so to enjoy their journey without worries.
Schengen Visa Insurance Requirements
Medical insurance Schengen visa must meet the following criteria:
- Medical coverage of at least 30,000 EUR (equivalent to 50,000 USD).
- Cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.
- Have a 0€ deductible.
Despite that the travel medical insurance is a necessary travel tool that everyone is worth having it, not all travelers are obliged to. The only people for which having a covered insurance policy is a mandatory requirement are visa nationalities. This group of travelers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or for other reasons.
Foreign travellers visiting Europe who enjoy visa-free procedures with the EU, they shall get their preferred travel insurance policy optionally – but they are not demanded to.
Travel Visa Insurance is a must when applying for a Schengen Visa
Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:
“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)
Who must purchase Schengen Travel Insurance for Europe?
Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it an individual visitors or group visitors, tourists, or business travelers.
The Schengen VISA Insurance policy can be purchased either online here for a very low cost or conventionally depending on the chosen company.
Who provides Schengen Travel Insurance?
First and foremost, the health insurance policy that one already possesses through the employment contract might cover international medical emergency expenses. However, there are usually limitations to this offer, therefore one shall be well aware of what to expect and what not to expect when having a medical issue in a Schengen territory.
Usually, travelers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe (Schengen Area) at the rightful insurance/travel agency. Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to. We recommend MAWISTA Visum by ALLIANZ WorldWide – It is very cheap and it is accepted by European Embassies and also you can cancel it for free of charge, subject to presentation of proof that a visa has been refused!
Helpful Tips about Europe Visa Insurance
As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe make sure that the one you already have doesn’t cover or alleviate any international medical emergency costs.
In case your policy does cover some international medical costs carefully check the restrictions and limitations to the travel insurance policy. Surprises at this particular matter are never welcome.
If you are travelling by car in the Schengen region and can’t afford to pay crazy amounts of money in case of an unpredictable car accident – or simply you are not willing to give all that money away, you shall consider purchasing a combined travel insurance including health matters as well as valuable possessions.
Depending on the travel destination the risk of illness varies with the changes in the climate or the natural habitat (unfamiliar microbe residents). It’s highly recommendable for people with preexisting conditions like allergies, for example, to carry their medical file from their personal physician describing the condition and the drugs prescribed to maintain it. In case one has a chronic disease, again, it’s smart to be carrying the prescribed drugs in the amount needed for the days spent in the international domain.
What does Europe Travel Insurance policy usually cover?
A good travel insurance policy for Europe should cover the following:
- Medical emergency (accident or sickness) while in the Schengen Area
- Emergency evacuation
- Repatriation of remains
- Return of a minor
- Trip cancellation
- Trip interruption
- Accidental death, injury or disablement benefit
- Overseas funeral expenses
- Lost, stolen or damaged baggage, personal effects or travel documents
- Delayed baggage (and emergency replacement of essential items)
- Flight connection missed due to airline schedule crash
- Travel delays due to weather
- Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.
Travel Medical Insurance policies for travelling to Europe that fullfill Schengen Visa requirements can be purchased online here.
Should travel visa insurance policy cover all Schengen Area countries?
Yes, travel health insurance policy should cover all member states of Schengen: Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.
What is presumably excluded or optional in a common Schengen travel insurance policy?
Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:
- Preexisting conditions (e.g. Asthma, diabetes)
- Sports with an element of risk (e.g. Skiing, scuba diving)
- Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)
- Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a medical professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions in spite of taking care.
How to find cheap travel visa insurance for Europe?
Finding the right cheap travel visa insurance for Europe calls for an individual and personalized desk-researching. This means having to search online on your own for the appropriate travel insurance policy. It is recommended that you make a comparison of products and companies before you decide.
Something not to be confused is the price, as not all low-cost travel insurance policies contain low-quality services and not pricey insurance plans have a high-quality offer. That is why, the safest way to properly choose amongst boundless offers of travel insurance companies, is by choosing not the cheapest travel insurance but the policy which covers all the areas as required by the Schengen visa application requirements.
Why you should choose MAWISTA as your travel insurance partner when traveling to Europe?
- Meets all Schengen visa requirements
- Ideal for
- Visitors or guests (visitor visa)
- Business travelers (business visa)
- Tourists (tourist visa)
- Group visitors (visitor visa for travel groups)
- Immediately download your Insurance Certificate / Letter
- Reimbursement in case of visa refusal (free of charge subject to presentation of proof that a visa has been refused)
MAWISTA Visum by ALLIANZ WorldWide will allow you to fully enjoy your travel to the Schengen Area with peace of mind.
What is travel health insurance?
The concept of travel health insurance relates to covering up medical expenses in case an injury or unexpected sickness arises during one’s trip. In case you are wondering if one needs health insurance when travelling to a foreign country depends deeply on the desired destination as well as the ability to personally cover any health care needs during the stay out in the certain foreign country.
However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy or most importantly if the traveler’s destination happens to be an underdeveloped region.
Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip, including one’s own country as well as internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency or accommodation bankruptcy will most definitely ruin your trip. Therefore, travel insurance policy is designed to provide also cancellation insurance by means of full or partial refund.
Whether you are travelling once or several times during a short period of time, the travel insurance policy will match and cover the exact number of the days spent in the international territory, in this case, the Schengen territory, the price ranging accordingly.
What are the common restrictions and limitations?
- As previously mentioned there are travel insurance companies that don’t provide coverage for a preexisting condition in an international domain. In case you have a condition prior to your departure to Europe, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in this case, you are not prone to any medical cost alleviations via your insurer. However, if one is proclaimed fit to travel having the condition under control, most commonly the travel insurance is ought to cover an unexpected emergency related to the condition when travelling in an international domain, an acute onset of the preexisting condition.
- Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded.
- War – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone.
- Duration – Many policies specify a time limit for coverage (e.g., 60 days) and the costs differ accordingly.
- Suicide in an international or domestic domain is excluded from any insurance policy as well as the self-inflicted injuries.
- In a case of any substance abuse, drugs or alcohol, domestic or international the medical expenses won’t be covered by your insurance policy.
Is travel medical insurance mandatory for visa-free third country nationals entering Schengen Area?
Travel medical insurance is not mandatory for visa-free third country nationals. Nonetheless, it is highly recommended to get one in case of travel to the Schengen countries.
Schengen Visa Medical Insurance
If you are traveling to any of the 26 countries listed below for either tourism or business purposes, you need to show proof of adequate medical insurance coverage at the time of visa application, before the visa can be granted:
Schengen countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.
Schengen Visa Health Insurance
Schengen visa insurance requirements
Acceptable medical insurance for a schengen visa must meet following criteria:
- Medical coverage of at least Euro 30,000 (USD $33,625 as of June 26, 2017)
- Must cover emergency medical evacuation and repatriation of remains.
We offer several insurance plans that meet all the requirements of the schengen visa, offering you one stop shop.
As soon as you make a purchase, you will get the confirmation in the email that contains the link for printing the visa letter. Or you can simply visit the Client Center of this web site and print the visa letter.
You will require the certificate number (provided at the end of the purchase process) and the date of birth to print the visa letter.
Visa letter printing is available around 15 to 30 minutes after the purchase of the insurance.
Schengen Visa Insurance
DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
New immigrant to USA?
You would not be eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Going on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Are you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Traveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Traveling frequently throughout the year?
You don’t need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
International student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
France Visa Insurance Requirements
For visa purposes in France, we can divide the world of international students studying in France into four distinct categories based on where you are from, how long you will be studying in France, and how old you are. Tourist visas can never be converted to student visas, so it’s important that you do your research up front and apply for the visa that is correct for your situation.
- No Visa Required
- Register for French State healthcare with EC health Form S1, add supplemental or top-up insurance plan
The Atlas Travel and Euro Travel plans are both good options as a supplemental plan.
Students from within the European Union, Andorra, Monaco, Switzerland, San Marino or the Vatican do not need a visa to study in France. In addition, students from these EU countries can register for the French State healthcare system using their EC health Form S1. The state healthcare system in France includes a shared cost element in almost all treatment, so most health care is covered at 70%. In addition, there are providers that do not follow the tariff conventions (non-conventionné), and therefore do not participate in the state healthcare system. Therefore it makes sense to include a supplemental or top-up plan to cover all providers and any shared costs.
Non-EU Students – less than 90 days
- Schengen Visa, no residency permit and no state healthcare
- Private Insurance Required, Minimum Coverage euro 37,500
We recommend the Atlas Travel and Euro Travel plans for Schengen travelers.
The Schengen Visa is for non-EU students or travelers in France for less than 90 days. The Schengen Visa actually allows travel to 25 countries – you can learn more about it on our dedicated Schengen Visa Insurance page. To apply for a Schengen Visa, you need to show proof of private health insurance, valid in France, that has coverage of at least euro 37,500 and that will be valid throughout your stay in any Schengen country. The insurance company must have a representative office in the country.
Non-EU Students – greater than 90 days, under 28 years old
- Extended stay visa and residency permit – (stamped student (VLS-TS) or researcher).
- Eligible for national healthcare in France (depending on your school).
We recommend the Atlas Travel and Euro Travel plans as a supplementary or top-up plan if you will be registered for French national healthcare. If not, we recommend the Student Secure, the Euro Travel, or the Global Medical plan.
Once you have received a letter of admission from a French institution of higher education, non-EU students studying in France for longer than 90 days need to apply for an extended stay visa. Once you arrive in France, you should have the visa certified by the OFI (Office Francaise de l’Immigration et de l’Integration) so that it will act as your residency permit throughout your stay.
If your university participates in the national healthcare system, you will automatically be enrolled in that system upon registration at the university. You will have access to healthcare like any other French student. However, remember that certain providers do not participate in the national healthcare system, and that national healthcare pays most medical expenses at 70%. Therefore many international students (as well as French people) buy a supplemental or top-up plan to cover these potential out of pocket costs.
Non-EU Students – greater than 90 days, 28 years old or older
- Extended stay visa and residency permit – (stamped student (VLS-TS) or researcher).
- Not eligible for national healthcare in France, must show private insurance.
For those non-EU students staying in France longer than 90 days and 28 or older, you will not be automatically enrolled in the national healthcare system. You will also need to show proof of private health insurance when you apply for your extended stay visa. As above, you will need to have your visa certified by OFI so that it can be used as your residency permit.
We recommend the Student Secure, the Euro Travel, or the Global Medical plan for those in this category.