For those who are going to travel to the EU countries, Schengen insurance is required. This is a document of a certain type, valid in a number of European countries. Medical insurance for Schengen countries is valid throughout the trip. It must meet a number of requirements:
- The period for which insurance is issued must be no less than the validity of the visa.
- Schengen he alth insurance must be valid in all Schengen countries.
- Under the terms, it must cover all medical expenses.
If these requirements are not met, then most likely you will be denied a visa.
Schengen insurance can be issued in three ways: with the help of programs A, B and C, each of which complements the previous one. For example, insurance under program A guarantees the receipt of qualified assistance after an accident, after an acute attack of some kind of disease. Program B assumes both the possibilities of the first one and an additional service: calling your attending physician from your homeland. The third option isinsurance for Schengen C includes the first two options and guarantees the payment of all costs for additional services, which in each case can be completely different.
When traveling abroad with your family or friends, you need to know that every family member or group member must be insured, including minors, because in case of illness, you will not be able to use someone else's policy.
Insurance for the Schengen area must be issued in accordance with the rules that apply in European countries.
The availability of he alth insurance for a trip to the Schengen countries is also mandatory for entry into most other world countries. The embassies of these countries and the United States will not issue a visa if the appropriate policy is not issued. You will certainly need it abroad, because this covers the costs of receiving medical care in case of illness, and also reimburses the cost of medicines. In addition, it is guaranteed, if necessary, free sending of the victim to his homeland.
Accident insurance pays much more than the cost of medical care. If a tourist receives a minor injury, then he is en titled to receive free medical care and, if necessary, to be sent home. If a person loses his ability to work completely (or even partially), then he is paid compensation, which can amount to several tens of thousands.dollars.
Luggage loss insurance. In this case, the insurance company guarantees partial or full compensation for the value of the lost luggage. Those who lost their baggage due to their own negligence are not eligible for damages.
Insurance is also valid in case of fires, terrorist attacks, natural disasters. This type of service is relevant for traveling to countries with an unstable situation.
Different companies offer he alth insurance for countries included in the list of countries in the European area. You need to know that Schengen insurance is issued without a deductible, and the liability for it must be at least thirty thousand euros. Usually these conditions fully comply with the requirements of foreign embassies both in terms of providing medical care and in terms of validity. Today Schengen insurance is available to all insurance companies.
