Travel medical insurance requirements for the Schengen visa

Minimum cover and expenses covered

Under Article 15 of the Visa Code, a minimum cover of EUR 30,000 is foreseen. It concerns expenses which might arise in connection with the following:

• repatriation for medical reasons
• urgent medical attention
• emergency hospital treatment
• death

Territorial and temporal scope

The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person's intended stay or transit.

The Visa Code foresees that the insurance is taken out in the country of residence as a rule; where this is not possible, it may be taken out in another country.

Who decides on adequacy

Whether the proof submitted is adequate is assessed by the competent mission in each individual case. Additional formal requirements of individual missions are possible.

This website does not review documents and makes no statement as to whether a particular proof will be accepted in your procedure.

Questions about this page

Does the minimum cover of EUR 30,000 apply to every Schengen visa?

The Visa Code names this amount for the uniform visa. The competent mission assesses in each case whether the proof submitted meets the requirements.

Must the insurance be valid for all Schengen states?

The legal text foresees validity throughout the territory of the Member States. Please check the details in the legal text and with the competent mission.

Where to verify this authoritatively

The full wording can be found in Article 15 of the consolidated Visa Code. Questions on the procedure are answered by the competent embassy or consulate.