Medical insurance for Schengen Visa: what are the requirements?

Written by Steve C

The Schengen Zone covers most of Western Europe, but does not include the United Kingdom. This is great news for travelers as a single passport stamp is valid for as many participating countries as you like within a 90-day period.

However, before being granted a Schengen visa, applicants must prove that they have sufficient valid travel insurance to cover the cost of medical care in the unfortunate event of injury of illness during the trip. The key medical insurance requirements for this visa are:

• Coverage must be valid for a minimum of EUR €30 000;

• Cover must be valid within the Schengen region and for the full duration of stay;

• Cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death


Luma’s long-term health insurance solutions all offer high levels of cover for travel abroad & are therefore eligible to be used for Schengen Visa applications. If you have a health insurance policy with us already, there’s no need to get additional travel insurance in order to apply for the Schengen Visa. If you do not have one yet, we can provide you with a long-term health insurance solution that will cover you during your travels abroad and give you the ability to apply for a Schengen visa at any time.

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