Every Schengen visa application includes a travel health insurance certificate. It can look like a formality, but consulates check specific requirements, and an incomplete policy can cause problems. If you live in Türkiye and are applying for a Schengen visa here, this guide covers what you need to know.
What does the consulate check?
The Schengen visa rules set a few basic requirements for travel health insurance on short-stay visas:
- At least €30,000 coverage. The policy must cover emergency medical care, emergency hospital treatment and medical repatriation up to at least this amount.
- Valid across the whole Schengen area. Even if you visit only one country, the policy must be valid in all Schengen states.
- Covers your entire stay. Every day from your entry into the Schengen area until you leave must be covered.
- Repatriation in case of death. Along with medical repatriation, the return of remains must be included.
The Schengen policies we issue at Pasaport Sigorta are prepared to meet these requirements.
Why does €30,000 matter?
€30,000 is not a ceiling; it is the lowest amount consulates accept. A few days in a European hospital or an air ambulance can easily approach that figure. It is worth thinking of the coverage amount as real protection, not only a visa requirement.
How to choose the policy dates
The policy should start on the day you enter the Schengen area and end on the day you leave. A few practical tips:
- If your flight lands close to midnight, make sure your arrival day is covered.
- If your return date is not fixed, a few extra days can save you from needing an extension later.
- The name and passport number on the policy must match your passport exactly. Even a small spelling difference can raise questions.
What about multiple-entry visas?
If you are applying for a multiple-entry visa, a policy covering your first trip is usually enough, and you declare that you will be insured on later trips. Some consulates, however, may ask for a longer or annual policy. Check the document list of the visa centre for the country you are applying to.
Beyond the visa requirements
The visa requirements focus on medical care and repatriation, but other things can go wrong on a trip. Depending on the package, a policy can also include:
- Lost, damaged or delayed baggage
- Flight delays
- Cash advance abroad if you lose your cards or cash
- Personal liability towards third parties
- Legal assistance
Travelling as a family or group
Each traveller gets their own policy, but you can apply for everyone at once. In our quote form you can add the ID and birth details of the others and see everyone in a single quote.
In short
- At least €30,000 coverage, validity across the Schengen area and cover for your whole stay: these three are essential.
- Choose dates based on your entry and exit days, and leave a few days' margin if needed.
- Check that the personal details on the policy match your passport.
Visa requirements can vary by country and type of application. Before applying, check the current document list of the relevant consulate or visa centre.