Schengen visa insurance

To the Netherlands: Schengen visa insurance for a visa

Schengen visa insurance is a special insurance for people traveling to countries in the Schengen area, including the Netherlands. If you come from a country that is not in the European Union, you sometimes have a Visa Short Stay necessary to visit these countries. And for that visa, Schengen visa insurance is required. It is even mandatory, without such insurance you will not get a visa.

This insurance ensures that if you become ill or have an accident during your trip, you do not have to stress about the costs. It also helps if you have to return home unexpectedly due to an emergency. The idea is that the insurance covers the costs of medical assistance or an unexpected return trip.

It is important that this insurance meets certain requirements. For example, the coverage must be at least 30.000 euros. That may sound like a lot, but medical costs can add up quickly, especially abroad. The insurance must be valid in all Schengen countries.

Schengen visa is officially called Short Stay Visa type C

A Short Stay Visa type C (Schengen visa) is a type of visa for people who want to travel to certain countries for a short period. This is mainly for countries in Europe that belong to the Schengen area.

Imagine you want to go on holiday to Italy for a few weeks, take a business trip to Germany, or visit friends in the Netherlands. If you come from a country, for example India, Turkey, Indonesia or Thailand, that requires a visa to travel to Schengen countries, you need this type C visa.

This visa allows you to be here for a short period of time, but not longer than 90 days in a 180-day period. So it is perfect for short trips, such as holidays or short business visits.

The great thing is that you can travel to different Schengen countries with just 1 visa. So, you can start in France, travel to Belgium and end in Austria, all on one visa.

Why is insurance mandatory for Schengen visas?

Insurance is mandatory for a Schengen visa because it is a kind of security guarantee. When you travel to countries in the Schengen area, these countries want to be sure that you are properly insured. Why is that important?

Imagine you are traveling and something unexpected happens. Maybe you get sick, have an accident or suddenly have to return home for some other urgent reason. In such situations, costs can quickly add up, especially if you need medical attention. Hospitals and doctors abroad can be expensive.

By requiring insurance, the Schengen countries ensure that travelers like you do not face financial problems if something goes wrong. They don't want you to get a huge bill that you can't pay. They also want to prevent their own health systems from being burdened with costs that are not covered.

What requirements must a Schengen visa insurance meet?

When you apply for a Schengen visa, one of the important documents you will need to show is proof of your insurance. This does not have to be the entire insurance document; the cover page of your policy is enough. But what exactly should this document say?

First of all, it is important that the insurance is in your name. This means that the insurance has been taken out especially for you and that you are the person it protects. The policyholder (the person who takes out the travel insurance for you may be someone else, for example a family member, partner, guarantor, sponsor or other representative. That person may also pay the insurance on your behalf).

Then, the insurance must be valid in all countries of the Schengen area. The Schengen area consists of many countries in Europe where you can travel freely. So, whether you go to the Netherlands, France, or another Schengen country, your insurance must be valid everywhere. It is also important that the insurance is valid for your entire stay. So from the moment you set foot in the Schengen area until the moment you leave again.

And then the cover. Your insurance must be able to reimburse at least 30.000 euros for medical costs. This includes:

• If you have to be admitted to hospital or need treatment.
• For emergency treatments, if something urgent happens and you need help quickly.
• And finally, if you need to be sent back to your home country for medical reasons or in the event of death, i.e. repatriation.

By having all of this on your insurance document, you show that you are well prepared for your trip and meet the requirements for the Schengen visa. This is an important step in carefully planning your trip.

Where can I take out Schengen insurance?

Allianz Global Assistance's Travel Risk Insurance is an excellent choice for anyone applying for a short-stay Schengen visa. This insurance is not only quick and easy to take out, but also meets all the requirements for such a visa. Embassies always accept this insurance, making it a reliable option.

Let's look at the benefits of Travel Risk medical travel insurance for Schengen visas:

1. Affordable premium: From just €2 per day per person, this insurance offers an affordable way to insure yourself or your foreign guests.
2. Visa guarantee: If you don't get a visa, you don't have to pay anything. The premium will then be refunded and the policy will lapse. This means that you do not run any financial risk if your visa application is not approved.
3. In accordance with visa requirements: This insurance meets all requirements set by the EU and the Dutch government for Schengen visas. This gives you the certainty that you meet the visa requirements.
4. Flexibility in start date: You can change the policy start date at no extra cost, which is useful if your travel plans change.
5. Quick service: On working days you will receive the policy within 24 hours or, if necessary, even earlier by e-mail. This ensures fast and efficient handling.

In short, Allianz Global Assistance's Travel Risk Insurance provides an easy, cost-effective and reliable way to meet insurance requirements for a Schengen visa short stay, with the added security of a visa guarantee and flexible terms and conditions.

How much does the insurance cost for a Schengen visa?

Insurance option	Premium
The insured is from Europe	€2 per person per day
The insured person comes from outside Europe	€3 per person per day
Winter sports/underwater sports/special sports	€1,15 per person per day
Cancellation insurance (trip booked in the Netherlands)	5% of the travel price (excl. insurance tax)
Minimum premium	€11,50
Costs per insurance certificate	€4,50

What is insured with Allianz's Schengen visa insurance?

	What is insured?
✓	schengen visa
✓	SOS costs (including assistance, rescue and search)
✓	Medical costs (including hospital, specialist and doctors)
✓	Repatriation (including ambulance plane and transport of mortal remains)
✓	Costs of funeral or cremation and arrival of family
✓	Hospitalization
✓	Operation and use of operating room
✓	Prescribed x-rays and radioactive irradiations
✓	Prescribed medicines, dressings and massage
✓	Medically necessary transport, including evacuation and transport from ski slopes
✓	Travel documents (purchase costs, laissez-passer, replacement visa or other official travel document)
✓	Replacement clothing and/or toiletries
✓	Damage to lodgings
✓	Illness, accident or missing person of the insured
✓	Death of the insured, illness, accident or death of a non-accompanying family of the insured
✓	Death of a co-insured travel companion
✓	Damage to property of the insured in the country of residence
✓	Costs due to forced delay

Details of Travel Risk Insurance for Schengen visas

Insurance component	Description
Type of insurance	Travel insurance for partner, friends or family who come from abroad and stay in the Netherlands for a period and/or travel with your family.
Coverage	SOS assistance, medical costs, loss of travel documents and loss/delay of luggage during the outward journey are covered.
Medical expenses	Costs of emergency or unexpected medical treatment will be reimbursed. Always consult with the emergency center first. Deductible of €45.
Luggage	There is a reimbursement for replacement clothing and/or toiletries if they are lost or delayed during the outward journey. Reimbursement is also given in the event of loss or theft of travel documents. Depreciation table is used for reimbursement.
Special sports (Optional)	With this cover, family or friends are insured for assistance or medical costs if they have an accident while practicing a special sport. Damage to your own or rented sports equipment is also insured.
Short-term Cancellation (Optional)	Reimburses the costs charged by the travel organization in the event of cancellation, even if a trip has to be canceled or in the event of a delay on the outward journey of more than 8 hours. The amount of the reimbursement depends on the coverage chosen. The trip must be booked in the Netherlands.
Country of residence	Insurance does not apply in the country where you come from and officially live according to your passport or visa (the country of residence).
Maximum reimbursements	Maximum reimbursements apply to various insured parts of the travel insurance. The coverage overview can be found in the conditions.
Coverage Area	Depending on the country of origin or destination, you can choose between Europe (including all countries on the Mediterranean Sea) or worldwide.
Payment terms	Premium is paid when taking out the insurance via direct debit. Premium must be paid in order to claim damages.
Start and end date of the coverage	The commencement date and end date are stated on the policy schedule. The coverage starts when your family or friends and/or luggage leave the country of residence for a trip and ends upon return to the country. Coverage for medical expenses due to illness only takes effect 48 hours after arrival in the destination country. Medical costs resulting from an accident are insured from the commencement date of the insurance.

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