Those who plan in the near future a trip to one of the European countries that are members of the Schengen zone, can not do without medical insurance, which is included in the list of mandatory documents for the registration of the Schengen visa . Tourists and travelers need to know that the registration of insurance for obtaining a Schengen visa guarantees them the provision of medical services abroad, as well as the return to the country of departure in case of injury or serious illness. And all this is completely free.
Advantages of registration of insurance
A visit to even the most civilized country is not a guarantee that something unpleasant and sometimes terrible can not happen to the traveler. Poisoning with exotic or simply unaccustomed products, flu or cold from climate change, trauma or banal toothache - none of these cases is immune. Diseases do not care where and why you are now. But if preventive measures are not always effective, then the consequences, or rather their minimization, you can worry in advance. First, the material side. And although the medicine in our countries is considered free, we all know what the campaign leads to the polyclinic. And in Europe, medical services are paid, and their cost is quite high. And it is medical insurance for the Schengen visa that saves you from having to seek money for treatment. By the way, there is no alternative in this matter, because to obtain a Schengen visa, it is absolutely necessary to make health insurance.
Registration of insurance
Many of those who have started to issue a visa, go to the official embassy sites, where information on the necessary documents is posted. And if it is not a problem to get acquainted with the list of documents, then specific organizations and institutions where this insurance can be issued are not indicated there.
It is worth starting with the fact that insurance policies are valid for all member countries that signed the Schengen Agreement. The amount of the minimum overlap (the amount of insurance for the Schengen visa) is 30,000 euros. Often, tourists in the agencies are offered a visa, which is much longer than the planned stay in a particular country. If the visa is multiple, then the insurance must cover at least one period of stay in the Schengen area.
The purchase of insurance for a visit to the Schengen zone must be carried out in your country. Consulates accept such insurance only from agencies listed on the list of companies that have concluded an agreement with the International Insurance Company of the Schengen zone. When submitting documents for the purpose of obtaining a visa, it is necessary to have with you the original insurance policy and a copy thereof. Without this, the documents in the embassy will not be examined. It is worth noting that the refusal to issue a Schengen visa gives you the right to refund the funds spent on insurance. If the visa is issued for a period less than you expected, the insurance company will return you
Cost of insurance
The cost of medical insurance usually depends on the period of stay in the country participating in the Schengen area. There is a rule: the longer your journey will be, the cheaper the insurance will be. In addition, the amount of insurance for the Schengen visa is also important. The usual insurance can be issued for 30, 50 or 75 thousand euros. On average, one day of stay abroad with insurance will cost you 35, 70 or 100 rubles, respectively. And the annual insurance for the Schengen visa will cost about 1300 rubles (40 dollars).