Mandatory medical travel insurance

Requirements for compulsory medical travel insurance Schengen visa

Since 1 June 2004, it has been mandatory to take out medical travel insurance for the application of a short stay visa (Schengen visa).

When applying for a Schengen visa, the applicant must be able to demonstrate that a medical travel insurance has been taken out. This can be done by showing the original policy.

Conditions for medical insurance Schengen visa

The medical insurance must meet the following conditions:

• The validity of the insurance must be equal to the total visa period.
• The insurance must be valid in all Schengen countries.
• The medical travel insurance must cover repatriation costs and urgent medical expenses.
• The cover for medical costs must be at least € 30.000.

How can you take out medical insurance?

The medical travel insurance can be taken out by a guarantor, sponsor or family member in the Netherlands. The sponsor is then the policyholder and the visa applicant is the insured. The policy of the medical insurance can be forwarded to the visa applicant so that he or she can take the policy to the Embassy or VFS Global.

The policy for a medical travel insurance and the policy conditions may be drawn up in the Dutch or English language.

Here's what you need to know about medical travel insurance

We have listed the most important facts about medical travel insurance for the application of a Schengen visa:

• If your foreign guest needs to apply for a Schengen visa, medical travel insurance is mandatory.
• You can take out medical travel insurance for your foreign guest and pay the premium.
• Existing ailments, illnesses and disorders that already existed on or before the commencement date of the insurance are not insured and are therefore not eligible for reimbursement. This also applies to medicines that are used. Checks and a (hospital) birth of a foreign insured are therefore also excluded from this type of travel insurance.
• The medical travel insurance for the application for a Schengen visa is exclusively intended for sudden and unexpected medical costs during a stay in the Netherlands or other Schengen countries.
• Before you take out the policy, you should have read the coverage overview and the policy conditions, so that you know what your guest is or is not insured for.
• Ask your insurer whether you will get the premium back in the event of a negative visa decision. A visa application can be rejected. In that case, you would like a refund of the premium paid from the insurance.

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