Requirements for compulsory medical travel insurance Schengen visa
Schengen Visitor Insurance OOM
Please note: Allianz's Travel Risk Insurance is no longer offered and Allianz will permanently stop offering this insurance as of July 1. We offer you the Schengen Visitor Insurance from OOM Insurance as an excellent alternative!
✔ More than meets all requirements for a Schengen visa application.
✔ Affordable and good: From €1,60 per person per day.
✔ The policy by email (iDEAL, credit card or PayPal) within 1 hour.
✔ Also for people over 70 years old
✔ Coverage for medical costs up to a maximum of €500.000
✔ VISA GUARANTEE: If your Schengen visa is rejected, you will receive the premium back.
✔ Liability can possibly be co-insured.
The Schengen Visitor insurance is the best choice for the successful application for a Schengen visa!
Would you prefer to receive the policy in English? Click here: Calculate premium and finalize.
More information about OOM's Schengen insurance:
- Coverage overview Schengen Visitor Insurance
- Policy conditions Schengen Visitor Insurance
- Schengen Visitor Insurance Insurance Card
If you plan to travel to the Netherlands, whether to visit family, friends or your partner, it is important to think about travel medical insurance. This is especially important if you come from a country outside the Schengen area and you need a visa to visit the Netherlands.
OOM Insurance offers a special medical travel insurance that is perfect for this purpose: the Schengen Visitor Insurance. This Schengen insurance is a must if you apply for a Schengen visa and want to travel to the Netherlands. It ensures that you are properly insured for medical matters during your stay. This is not only a smart choice for your own security, but it is also mandatory when applying for a Schengen visa if you come from a country that requires a visa. In short, with this travel insurance you are well prepared for your visit to the Netherlands.
Medical travel insurance is mandatory for the application for a Schengen visa
In the European Union, an important decision was taken years ago that concerns everyone who wants to travel to the Schengen countries with a Short Stay Visa, better known as a Schengen visa. If you want to apply for such a visa, you must prove that you have taken out travel medical insurance. You do this by showing a copy or the original proof of insurance with your visa application. This medical travel insurance must meet a number of specific requirements that the EU has established:
- Validity period: The insurance must be valid for the entire period that your visa is valid. So, from the day your visa starts until the day it expires.
- Coverage Area: The insurance must be valid in all Schengen countries. This means that you need at least insurance with European coverage.
- Coverage: Insurance should cover two important things. Firstly, it must cover the costs of repatriation, i.e. if you need to be taken back home for medical reasons. Second, it must cover emergency medical expenses.
- Minimum amount: The insurance must have a minimum cover of €30.000 for medical costs and repatriation. This amount is intended to guarantee that you are sufficiently covered for any medical expenses during your stay in the Schengen countries.
It is therefore important to take out suitable travel medical insurance that meets these EU conditions to ensure an approved visa application.
Also the nationalities who are visa-free traveling to the Netherlands/Schengen are advised to take out an approved travel medical insurance.
Who and where take out medical insurance?
If you need medical travel insurance for a Schengen visa, it is good to know that this insurance cannot only be taken out by the visa applicant himself. A guarantor, partner, referent or family member in the Netherlands can also take out this insurance for him or her. In this case, the person taking out the insurance is the policyholder (the one paying the premium), while the person applying for the visa is the insured. After taking out the insurance, the policy can be forwarded to the visa applicant, so that it can be attached to the visa application.
It is important that the policy and policy conditions are drawn up in Dutch, Spanish, French or English. This is because the decision official who assesses the visa application is a Dutch official and therefore understands these languages.
An important aspect to consider when choosing travel insurance is the possibility of getting the premium back if the visa application is rejected. We call that: VISA GUARANTEE. Not all travel insurance policies offer this option, so it is wise to inquire specifically about this and consider this in your decision-making when choosing suitable travel insurance for the Schengen visa.
NB! Choose a travel insurance policy where you will receive a refund of the premium (costs) for the insurance if the visa application is rejected.
Details of medical travel insurance for Schengen visas
Medical travel insurance specifically for Schengen visas, such as that for foreign guests visiting the Netherlands, differs in important ways from the standard travel insurance that we usually take out for holidays. Here are the main differences:
- Purpose of the insurance: These insurances are specifically designed for unexpected and sudden medical costs during a stay in the Netherlands or other Schengen countries. So they are not intended for general travel-related matters.
- Restriction to emergency care: Coverage is limited to emergency medical care. This means that if there is no emergency, the foreign guest is expected to seek medical care in his or her home country.
- Exclusion of pre-existing conditions: Existing complaints, illnesses and ailments are not covered under this insurance. It is therefore important to know that the insurance only covers new medical situations that arise during the stay.
- Pregnancy excluded: Pregnancy is generally excluded from cover, except in acute cases such as pre-eclampsia.
- Closing time: The insurance must be taken out before the foreign guest leaves for the Netherlands. It is not possible to take out insurance after the trip has already started.
- Importance of policy conditions: Before you take out the policy, it is good to read the coverage overview and the policy conditions carefully. This ensures that you know exactly what is and is not covered, so there are no surprises during your guest's stay.
These differences make it clear that travel medical insurance for Schengen visas has a specific focus and is designed to meet the requirements of the visa process, while at the same time providing basic medical coverage during the stay in the Schengen countries.
Medical travel insurance and guarantee
If you guarantee a foreign guest or partner who wants to visit the Netherlands, it is advisable to take out medical travel insurance yourself. Not only is this a requirement for your guest's visa application, but it also provides financial protection for you. As a guarantor, you are financially responsible for any medical costs that your guest incurs during their stay in the Netherlands, and these costs can be significant.
By taking out the insurance yourself and sending the policy to the visa applicant by email, you have control over the process. It is advisable to ensure that you are the policyholder (the person paying the premium) and that your guest is the insured person. A major advantage of this is that any damage payments are transferred to you instead of to your guest's bank account.
A good option for this situation is the Schengen insurance that we offer. This is an excellent travel medical insurance policy specifically designed for Schengen visa applications. It provides the necessary coverage and meets the requirements for obtaining a Schengen visa. By taking out this insurance, you ensure that you meet the visa requirements and offer both yourself and your guest financial protection during their stay in the Netherlands.
Stake out Schengen insurance with a Dutch insurer
Taking out medical Schengen insurance with a Dutch insurer has several advantages, especially for those who guarantee a foreign guest or partner. Some important benefits are:
- Dutch law: By choosing a Dutch insurer, the insurance falls under the Dutch legal system. This means that you as a consumer are protected by Dutch law, which offers you rights and guarantees.
- Strict supervision: Dutch insurers are under strict supervision by Dutch supervisors, such as the Netherlands Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB). This supervision ensures that these insurers are reliable and meet high quality and integrity requirements.
- Reliability: In general, Dutch insurers are considered more reliable than some foreign insurers. This is due to the strict supervision and good reputation of the Dutch insurance market.
- Ease of communication: If you take out insurance with a Dutch insurer, you can communicate in your own language. This is particularly useful for questions, problems or claims. It prevents language barriers and makes the process easier and more understandable.
- No International Call Charges: You do not have to call abroad for questions or claims, which prevents costs and possible complications with international calls.
All these factors make taking out a Schengen travel insurance an attractive choice with a Dutch insurer, especially in the case of high costs or complex situations. It provides security, convenience and accessibility, contributing to a smoother experience for both the guarantor and the visa applicant.
Frequently asked questions and answers about medical travel insurance for a Schengen visa
Yes, it is certainly advisable to take out medical travel insurance in the Netherlands, especially when it comes to Schengen visas. This is because Dutch insurers are considered more reliable, are under strict supervision, and handling matters such as communication and claims is often easier. In addition, a guarantor, referent or family member can take out the insurance in the Netherlands, which simplifies the process for the visa applicant. This way, the insurance meets the requirements for the Schengen visa and provides security for everyone involved.
No, taking out medical travel insurance for your guest is separate from the guarantor process. Being a guarantor means that you are financially responsible for your guest, while medical travel insurance only covers medical costs. Both are necessary for full coverage and support during your guest's stay in the Netherlands.
It is not required that the policy and policy conditions of the medical travel insurance be drawn up in English. These documents may be in Dutch, as the decision official who assesses the visa application is a Dutch official and therefore understands Dutch.
The Schengen Visitor insurance from OOM Verzekeringen is recommended for a Schengen visa application. This insurance meets all requirements for a Schengen visa and is consistently accepted by embassies and VFS Global.
Yes, you can adjust the start date of the Travel Risk Insurance to an earlier or later date if you are not sure when your foreign guest will arrive. It is important to do this before the insurance takes effect. Once the insurance is active, the effective date cannot be changed. This provides flexibility to tailor the insurance to your guest's actual travel dates.
No, if the visa is rejected and the insurance has not yet started, you do not have to pay for the insurance. This means that you do not run any financial risk in the event of a visa rejection. The cost of the insurance only applies once the insurance becomes active and the visa has been approved. This makes it a safe option when applying for a visa for a foreign guest.
Yes, with travel insurance for foreigners, your foreign guest is insured throughout Europe. This is useful if you and your guest want to visit other European countries during their stay. However, it is important to remember that the insurance is not valid in the guest's country of origin, i.e. the country where the guest lived before leaving for the Netherlands or the country of which the guest has nationality. The insurance offers coverage for all other European countries, which makes traveling within Europe with your guest easier and safer.
No, existing ailments and diseases are not insured with travel insurance for foreigners, such as Travel Risk Insurance. This insurance does not cover ailments and complaints that already existed on or before the commencement date of the insurance. The purpose of this travel insurance is to only cover sudden and unexpected medical costs that occur during the stay in the Netherlands or elsewhere in Europe. This means that the insurance is intended for new medical situations that arise during the trip, and not for existing medical conditions.
No, costs related to pregnancy and childbirth are generally not covered by travel insurance for foreigners, such as Travel Risk Insurance. These insurance policies are intended to cover unexpected and sudden medical expenses, and pregnancy and childbirth are usually not considered as such. This means that if your foreign partner comes to the Netherlands and needs pregnancy-related care, these costs will not be covered by travel insurance.
No, it is not mandatory to take out separate liability insurance for your foreign guest. Additionally, if your guest is staying with you, he or she is usually covered by your own liability insurance. This means that any damage your guest causes to others or their belongings during their stay in your home may in principle be covered by your insurance. However, it's always a good idea to verify this with your insurance company to be sure, as policy terms and conditions may vary.
