Medical insurance for a Schengen visa

Visa Code requirements for travel medical insurance on a short-stay visa, and how to set Schengen cover in our calculator.

Three friends looking at a city map during a trip in Europe

Who it is for

Short trips to Poland and the Schengen area

A Schengen (uniform) visa is for “intended stays on the territory of the Member States not exceeding 90 days in any 180-day period”, as Article 1 of the Visa Code states.

The Visa Code requires applicants to prove that they are in possession of adequate and valid travel medical insurance (Article 15).

In our calculator, pick Schengen as the area of cover and type in the first and last day of your trip.

Valid in every Schengen country
EUR 30,000 sum insured
Your own dates of cover

Visa Code, Article 15

Four conditions for the insurance

These are the requirements the Visa Code sets for travel medical insurance.

Valid in every Member State

The insurance shall be valid throughout the territory of the Member States; for a visa with limited territorial validity, at least in the countries concerned.

The entire stay

It has to include the whole period of your intended stay or transit.

Minimum EUR 30,000

The Visa Code sets the minimum coverage at EUR 30,000.

Emergency costs

Repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.

Hospital stay and procedures

Treatment of sudden illness and accidents

Transport to your country of residence

Medical transport

Our policy

Cover for your Schengen trip

Select Schengen in the calculator and set the dates of your trip. The sum insured is EUR 30,000.

Payment takes place online, and the policy is issued in PDF format.

Calculate your premium

Questions

Frequently asked questions

In principle in your country of residence. Article 15(4): “Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country.”

The Visa Code foresees this case: if someone else takes out insurance in your name, Article 15(3) applies to that policy in the same way.

The consulate. Article 15(5) says that “when assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Member State”.

Article 15(7) exempts holders of diplomatic passports. Under Article 15(6), the requirement may be considered met when an adequate level of insurance can be presumed from the applicant’s professional situation, for example for seafarers.

Travelling to the Schengen area?

Set the dates of your trip in the calculator and check the premium.