485Each country typically has its own rules when it comes to approving visa applications—whether for tourism, business, study, or other purposes. The same applies to Schengen visa applications. Schengen travel insurance remains a mandatory requirement to ensure that your visa application is processed smoothly.
The requirements for Schengen travel insurance in visa applications isn’t without good reason. This is because travel insurance acts as a safeguard for policyholders throughout their journey. With this protection, anyone visiting the Schengen area for any reason can cover their own expenses if they encounter risks during their trip.
Without Schengen travel insurance, visitors might face difficulties covering medical expenses due to potentially high costs. This could potentially cause losses for the host country due to the risk of unpaid medical bills in case of health emergencies. Schengen travel insurance ensures this won’t happen.
The requirements for Schengen travel insurance in visa applications are regulated under Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009, which states:
“… Applicants for a uniform visa for one or two entries shall prove that they own adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the Schengen Area Member States territory and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000 …”
Based on this regulation, Schengen travel insurance must meet several requirements, which are:
The insurance must fully cover health-related expenses that might occur during the trip, including outpatient care, hospitalization and even death benefits.
The insurance must be valid in all countries within the Schengen area.
The insurance must cover the full duration of the trip, from the moment you arrive until you return home.
The minimum coverage provided by the insurance must be EUR 30,000.
Schengen travel insurance is mandatory for all visitors to the Schengen area, for any purpose of visit that requires a Schengen visa. Meanwhile, for foreign travelers who do not require a Schengen visa, Schengen travel insurance is not mandatory, but it is still highly recommended.
Indonesian nationals (WNI) are among those required to have Schengen travel insurance when applying for a visa. The insurance requirements are the same as previously explained.
However, not all travel and health insurance policies offered by Indonesian insurance companies qualifies for a Schengen visa application. That’s why, before you buy insurance for your Schengen visa application, make sure the insurance company you choose is on the accredited list.
MSIG Indonesia is one of the insurance companies accredited for Schengen visa applications. So, you don’t have to worry anymore about finding the right travel insurance when applying for your Schengen visa. Just visit the MSIG Online website and choose the Travel Insurance that fits your needs.
If you’re still unsure and need help choosing the Schengen travel insurance that you want to buy, you can also consult with us first through the ‘Contact Us’ feature. That way, you can get the right insurance to help make your Schengen visa application go even smoother.
So, now it’s clear why a Schengen travel insurance is important for your Schengen visa application, right? Wishing you a smooth visa application process and a safe, comfortable journey ahead.
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