Traveling to Europe can be a dream come true for many Indonesian travelers. However, before you pack your bags and book your flight, there is one crucial aspect that you must not overlook – Schengen visa health insurance.
As an Indonesian traveler, you are required to have proper health insurance coverage when applying for a Schengen visa. In this article, we will provide you with a detailed guide on everything you need to know about Schengen visa health insurance.
What is Schengen Visa Health Insurance?
Schengen visa health insurance is a mandatory requirement for all non-European Union (EU) citizens applying for a Schengen visa. The Schengen visa is a type of visa that allows you to enter and travel freely within 26 European countries without the need for additional visas.
The Schengen visa health insurance ensures that you are covered for any medical expenses that may arise during your stay in the Schengen area. The coverage must meet specific requirements set by the EU, including a minimum coverage of €30,000 for medical emergencies and repatriation.
Why is Schengen Visa Health Insurance Important?
Schengen visa health insurance is important because it provides you with financial protection in case of unexpected medical emergencies. In Europe, medical costs can be quite expensive, and without proper insurance coverage, you may end up paying exorbitant fees out of pocket.
Having Schengen visa health insurance also gives you peace of mind, knowing that you are adequately covered in case of any medical emergencies. It is a mandatory requirement for Schengen visa application, and failing to provide proof of insurance can result in your visa application being rejected.
What is Covered by Schengen Visa Health Insurance?
The Schengen visa health insurance covers a range of medical expenses, including:
- Medical consultations and treatment
- Hospitalization and surgery
- Emergency medical evacuation and repatriation
- Emergency dental treatment
- Accidental death and disability
It is important to note that pre-existing medical conditions may not be covered by Schengen visa health insurance. It is advisable to read the terms and conditions of your insurance policy carefully to understand what is covered and what is not.
How to Get Schengen Visa Health Insurance?
There are several ways to get Schengen visa health insurance. You can obtain insurance coverage from the following sources:
- Your travel agent or tour operator
- An insurance company in your home country
- An insurance company in the Schengen area
- An insurance company recommended by the embassy or consulate where you will be applying for your visa
When applying for Schengen visa health insurance, remember to provide proof of coverage that meets the requirements set by the EU. Your insurance policy should clearly state the coverage amount, deductible, and other essential details.
How Much Does Schengen Visa Health Insurance Cost?
The cost of Schengen visa health insurance varies depending on several factors, including your age, destination, length of stay, and coverage amount. On average, the cost of Schengen visa health insurance ranges from €30 to €100 for a 30-day stay.
It is essential to shop around and compare insurance policies from different providers to find the best coverage at an affordable price.
What to Consider When Choosing Schengen Visa Health Insurance?
When choosing Schengen visa health insurance, there are several factors that you should consider, including:
- Coverage amount: Ensure that your insurance coverage meets the minimum requirements set by the EU.
- Deductible: Choose a deductible that you can afford to pay in case of a medical emergency.
- Pre-existing medical conditions: Check if your insurance policy covers pre-existing medical conditions.
- Destination: Choose an insurance policy that covers all the countries you plan to visit within the Schengen area.
- Length of stay: Ensure that your insurance coverage is valid for the entire duration of your stay in the Schengen area.
Conclusion
As an Indonesian traveler planning to visit Europe, Schengen visa health insurance is a mandatory requirement that you must not overlook. Having proper insurance coverage ensures that you are financially protected in case of unexpected medical emergencies and gives you peace of mind during your travels.
When choosing Schengen visa health insurance, consider the coverage amount, deductible, pre-existing medical conditions, destination, and length of stay. Shop around and compare insurance policies from different providers to find the best coverage at an affordable price.
