Going for the first time on a business trip or just traveling abroad, the soul is filled with not only joy, but also puzzlement. If the route lies in Europe, the most important goal is to open a Schengen visa. In order to receive it, you need to make medical insurance.
You can arrange insurance for a Schengen visa in an accredited travel agency or independently in an insurance company.
What is it for?
In any trip, even in the country, there are often cases when you have to seek medical help. Going abroad, the more it is impossible to neglect such a probability. In addition, in all civilized countries, medical insurance is an obligatory requirement for the processing of documents. Without it, a Schengen visa simply can not be seen!
What do I need to know when registering insurance for a Schengen visa?
The minimum amount for which you can insure your health must be at least € 30,000. It must cover the probable costs of medical care and it should be enough to return the victim back home. The franchise agreement is not valid when an insurance company can cover part of the losses at the expense of its client under certain conditions.
The duration of the insurance for a Schengen visa should be the same duration as it is itself. In some cases, the insurance period should be even longer by 15 days than the time of real stay in Europe. All this is known to insurers, but it's better to check everything yourself once again.
If you need to open a visa for a whole year, then you need to purchase an annual insurance for the Schengen visa. Only this does not mean that you have to insure all 360 days of stay in European countries. As a rule, insurance is issued for 90 days. The insurance period will be a year, but the number of insured days is 90, of which 45 days in the first half of the year, and 45 days in the second.
How to save on insurance?
Cost of registration of insurance varies a lot. It depends on many factors:
- time frames of stay in Europe;
- the chosen insurance company;
- banks, with which this firm cooperates.
And here the law "is cheaper by wholesale": the more time it takes to spend in the country, the cheaper the cost will be. It should be borne in mind that if you contact a travel company, you will hardly get a cheap insurance for a Schengen visa. Such companies often cooperate with the most rated insurers, who do not hesitate to overstate the tariffs. Plus, they take a small percentage just for dealing with your question.
It is more profitable to do it yourself. In order to save money, you need to find out which companies are engaged in such registration, their tariffs and the final cost. This will take time, but the result can be pleasantly surprising. In large cities, the run-up of prices is very high.
But when drawing up an annual insurance for a Schengen visa, it is much more profitable to arrange insurance for the exact number of days. For this
The fact that insurance is necessary first of all to the traveler remains indisputable, it will become a serious help in case of necessary medical assistance in a completely foreign country. As you know, medicine in Europe is not the cheapest pleasure. And health problems often happen unexpectedly and not on time, so making insurance for any trip is not a punishment, but a reasonable foresight.