Schengen travel health insurance for workers and tourists

Do I need any insurance for my trip?

Yes, everyone visiting the Schengen area should have travel health insurance.

If you need a visa to enter: Schengen insurance is one of the main requirements for the application. Without a valid insurance certificate you will not receive a visa.

If you do not need a visa: Insurance is still strongly recommended. Border control officers may require proof of insurance as confirmation that you meet the entry requirements. In extreme cases, the absence of insurance may be grounds for refusal of entry.

What type of insurance do I need?

If you are applying for a short-stay Schengen visa, you must take out insurance that meets at least these requirements:

• Coverage limit: At least €30,000 for medical emergencies and repatriation.
• Territorial validity: The entire Schengen area (all 29 countries).
• Duration: Must cover the full length of your planned stay.

Where can I get Schengen insurance?

The most convenient way is to take out insurance online through the Healtio.com comparison site. Immediately after payment you will receive an insurance certificate that you can print and attach to your visa application at the relevant embassy. We work with leading insurers whose certificates are accepted by European authorities.

What affects the price of insurance?

Although Schengen insurance is often very affordable, the final price depends on these factors:

• your age
• length of trip
• scope of coverage and assistance services
• number of add-ons (e.g. liability or accident insurance)

What does Schengen insurance cover?

Insurance is designed to cover acute situations that may occur during your trip:

• doctor consultations
• emergency treatment
• hospitalisation
• prescription medicines
• ambulance transport
• medical evacuation (return to your home country in case of serious illness)
• repatriation (transport of remains in case of death)

Note: Insurance usually does not cover routine check-ups or non-urgent procedures.

What does insurance not cover?

Standard travel insurance typically does not cover chronic and pre-existing conditions. However, if your condition is long-term stabilised and there is a sudden acute worsening, some types of insurance in our offer may cover these costs. We recommend always reading the terms and conditions of the specific insurer carefully.

Which insurance is best for me?

It always depends on your individual needs. If you are applying for a visa, look for products that meet the legal minimum of €30,000. Healtio.com offers a comprehensive selection of insurance products. We offer options with zero excess, a wide range of coverage and a diverse portfolio of optional add-ons.

Do EU citizens need travel insurance?

EU citizens can use the European Health Insurance Card (EHIC) in public hospitals. However, it does not cover care in private facilities or the cost of medical evacuation or repatriation to your home country. Therefore we recommend commercial insurance for them too.

How do I get the certificate for my visa application?

You will receive the certificate immediately after taking out insurance online. It is a digital document that you print. Embassies and consulates commonly accept this format as valid proof of insurance.

Is my insurance valid in all Schengen countries?

Yes, if you choose the "Schengen" option, you are covered in all 29 member countries: Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Iceland, Italy, Lithuania, Latvia, Liechtenstein, Luxembourg, Hungary, Malta, Germany, Netherlands, Norway, Poland, Portugal, Austria, Romania, Greece, Slovakia, Slovenia, Spain, Sweden and Switzerland.