Some travelers venturing to Western Europe must be in possession of a valid Schengen visa, and one of the requirements for the visa is to have travel insurance. Luma Health Insurance are your gateway to either health
insurance or travel insurance that meets the minimal medical coverage requirements of a Schengen Visa.
The Schengen Zone covers most of Western Europe but does not include the United Kingdom. This is excellent
news for travelers as a single passport stamp is valid for as many participating countries as you like within a 90-
However, before being granted a Schengen visa, applicants must prove that they have sufficient valid health or 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;
• The coverage must be valid within the Schengen region for the full duration of stay;
• The travel insurance must cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.
Luma offers health insurance policies that more than satisfy the requirements of a Schengen Visa. The coverage offered by Luma provides for medical coverage in western Europe in the event of an unforeseen illness or accident. It also covers the sometimes high repatriation costs if you have to be flown back to your country of origin.
When you buy your health insurance policy through Luma, you won't have to pay upfront for emergency medical treatments. In some cases, you'll never even see a doctor's bill.
Our partner’s travel insurance policies also cover any inconveniences and difficulties you may face on your trip, such as a missed connection, loss of baggage and property, loss of money and travel documents and trip cancellation expenses.
Luma member can reach the Luma Team, 24 hours a day, 365 days a year to access an instant service. If you have an issue with a hospital or doctor regarding payment for a medical expense, we’ll deal with them directly, saving you any worry and stress.
Luma’s long-term health insurance solutions offer high levels of cover for travel abroad and 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 to apply for a 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.
If you have a Luma health insurance policy, it doesn’t matter which country you are in when you apply for your Schengen Visa. Whether you’re buying an annual health policy with Luma or you’re looking at a short-term travel insurance option through our partner, the policies are universal and accepted by Western European immigration officials regardless of where you apply from.