Europe is one of the most-desired and famous travel destinations. Be it for leisure or business purpose, travel to Europe (the Schengen Area) requires a valid Schengen visa (of course, depending on your nationality/citizenship status) as well as the mandatory medical travel insurance.
The Schengen Area comprises of 26 countries in the European continent. It can be understood as one country with common visa policy.
Following countries are the Schengen Area members. These do not necessarily belong to the European-Union.
Following countries though part of the European-Union, aren’t part of the Schengen area.
Schengen Visa is a document that allows a person to visit the Schengen Area. It represents the Schengen Area member states collectively and any valid visa holder can travel in and within these countries without any additional formality/visa/procedure..
Types of Schengen Visa
Depending on the purpose of travel, there are different types of Schengen Visa.
Being safe with Schengen Travel Insurance
Travel insurance or visitor insurance is necessary while traveling to any part of the world. While making travel plans to the Schengen Area, it must be kept in mind that Schengen Travel Medical insurance is a mandatory requirement for obtaining the Schengen Visa. The travel medical insurance ensures that a valid visa-holder traveler is covered for any expenses related to medical issues, hospital treatment or death while he is staying in the Schengen Area. This insurance is valid throughout the Schengen Area and the minimum coverage is Eur 30,000.
The mandatory and very useful travel medical insurance not only covers him medically but for a lot of other unexpected conditions:
There are certain conditions which may or may not be covered within the travel medical insurance for the Schengen Area. In such cases, an additional coverage must be purchased. These conditions may be:
Who needs a Schengen travel medical insurance?
Any individual traveler or group travelers visiting any part of the Schengen Area for the purpose of leisure/business/transit or just visiting relatives who is required to obtain a Schengen visa for his/her travel must hold the necessary Schengen travel medical insurance.
Various plans for the Schengen travel medical insurance
An insurance agent who is licensed and approved by the Schengen country/embassy is the right place to buy your Schengen travel medical insurance from. Various plans and different premium rates are applicable for the same, for the Schengen Area visa based on a number of factors,viz.:
Atlas International Plan
For a US citizen who needs coverage while traveling to the Schengen Area (or anywhere outside the US), Atlas International is a great plan with a larger coverage length span, easy renewability and coverage of acute pre-existing conditions:
Liaison Continent-F, E, International Plan
Liaison E, Liaison F and Liaison International plans are the best plans available for US citizens traveling to the Schengen Area or anywhere outside US when the applicant is 14 days-80+ of age. These plans can be easily renewed online or by phone/fax/email. They however vary in the coverage length i.e. for how many days an applicant can be insured, ranging from a minimum of 5 or 6 days to maximum 187 days or 6 months
Patriot Platinum International Plan
Patriot Platinum International Plan is one of the other plans well suited for ages 14 days to 80 + years of US citizens who wish to travel to the Schengen Area. It covers the applicants for a minimum of 5 days to maximum 3 years and can be renewed online, by phone/email/fax. It provides acute pre-existing conditions coverage to $20,000 for under age 65 to $2,500 for ages 65 & up.
To understand which plan best suits your health condition and travel plans, or if you have any questions about the Schengen Visa insurance, the above-mentioned plans and coverage of acute pre-existing conditions, please contact us at MCIS Multichoice Insurance Services .
Category: Visitor Insurance
February 17, 2015 at 10:32 PM