Expat health insurance meets all standard Schengen visa requirements, providing coverage for medical, hospital, dental treatment, and repatriation costs with a minimum of €30,000 coverage. It complies with European and German legal regulations, including no limit on benefits for outpatient and inpatient treatment and applies a €25 deductible per event. Nursing care insurance is excluded since it is not required for temporary stays. Applicants must still confirm coverage acceptance with visa authorities.
Does expat health insurance meet the Schengen visa insurance requirements?
Expat health insurance satisfies all insurance coverage criteria established for Schengen visa applications as specified in Regulation (EC) No. 810/2009 and Directive 2004/38/EC on free movement rights.
What coverage does expat health insurance provide to fulfill visa requirements?
The insurance includes coverage for medical and hospital costs, medicinal products, dental treatment, patient return transport, and repatriation of mortal remains in case of death. The contract guarantees a minimum coverage amount of €30,000.
Are there limits on outpatient and inpatient treatment benefits under expat health insurance?
There is no maximum limit on benefits for outpatient or inpatient treatment. Benefits exceeding €50,000 are covered. For temporary stays in Germany, this coverage complies with sections 193 (3) (1) and 195 (2) and (3) of the German Insurance Act. A deductible of €25 applies per insured event. The insurance coverage corresponds in essence to the scope of statutory health insurance pursuant to Section 11 (1-3) Social Security Code V (SGB V).
Does expat health insurance include nursing care insurance?
Expat health insurance does not cover compulsory nursing care insurance (Pflegeversicherung), as it is designed for temporary stays up to five years and excludes coverage for long-term nursing care due to age or disability.
Who is not insured under expat health insurance concerning compulsory health or nursing care insurance?
Individuals who are subject to compulsory health or nursing care insurance in their destination country are not insurable under expat health insurance.
What should applicants do to confirm that expat health insurance meets visa application requirements?
Applicants must have their visa processing authority verify and accept that the expat health insurance coverage meets the Schengen visa requirements as stated in the insurance contract.
Where can I learn more about or apply for expat health insurance?
Additional information and signup options are available on the expat health insurance website.