Requirements For Long-Term Schengen Travel Insurance

Schengen travel insurance requirements for long-term visitation have become increasingly rigid in recent years, making it essential for non-EU citizens to understand the rules and clarifications before embarking on a long-term stay in any of the 26 Schengen countries. In this article, we will discuss the requirements, who needs to have a Schengen travel insurance policy, and what does the policy cover.

Who needs a Schengen travel insurance policy?
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Non-EU citizens who plan to stay in the Schengen area for more than 90 days require a Schengen travel insurance policy. This covers individuals who are planning to reside in the Schengen area for employment, research, or for any other reason beyond the 90-day limit. Students, researchers, and vocational trainees are included in this category, as are foreign workers, including those on wage.

What does the policy need to cover?
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Schengen travel insurance policies for long-term stay must cover a set of essential requirements. These include:

• Medical expenses: The policy must cover medical expenses incurred during the stay, including hospitalization, doctor's fees, and medication costs.
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• Hospitalization: The policy must cover hospitalization expenses for unexpected health issues, ویزای مولتی شینگن including pre-existing conditions.
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• Repatriation costs: In case the policy holder falls seriously ill during the stay, the policy must cover repatriation costs to their home country for medical treatment or funeral expenses.
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• Emergency dental expenses: The policy should cover emergency dental expenses in case the policy holder loses a tooth or requires emergency dental treatment.
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• Funeral expenses: In the unfortunate event of the policy holder's death, the policy should cover funeral expenses.
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Policy minimum requirements
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To be eligible for a Schengen visa, the Schengen travel insurance policy must meet the following minimum requirements:

• The policy must have a minimum coverage of 30,000 Euros.
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• It must be valid for the duration of the stay, not exceeding 180 days.
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• The policy must be underwritten in the policy holder's country of residence.
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• The policy must be in the name of the policy holder, and it cannot be a group insurance policy that includes several individuals.
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How to obtain a Schengen travel insurance policy
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There are several options available for obtaining a Schengen travel insurance policy, including:

• Purchasing a policy from a reputable insurance provider.
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• Checking with your home country's government website for guidance on purchasing a policy.
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• Choosing a policy that is specifically tailored for long-term stay in the Schengen area.
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Consequences of not having a valid policy
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Failing to obtain a valid Schengen travel insurance policy may result in delayed visa applications, fines, or even refusal of entry to the Schengen area. It is therefore essential to obtain a policy before starting your stay in any of the 26 Schengen countries.

In conclusion, obtaining a valid Schengen travel insurance policy for long-term stay is a critical requirement for non-EU citizens. By understanding the requirements, selecting a suitable policy, and making sure it meets the policy minimum requirements, you can avoid any potential headaches or complications with your visa application. Remember to act early before your trip to secure the right insurance coverage for your long-term stay in the Schengen area.