Yes, our expat health insurance does cover all requirements for different types of Schengen visas. Specifically, if you’re interested in the contract language, both our basic and premium plans say the following (we explain what the contract is saying in each section, so you don’t have to read the actual contract wording):
The health insurance coverage fulfills all the requirements for a Schengen visa set out in Regulation (EC) No. 810/2009 of the European Parliament and the Council of the European Union on 13.07.2009. In addition, this health insurance fulfills the requirements of Article 7 (1c) of Directive 2004/38/EC (EC Free Movement Directive).
Confirmation that expat health insurance fulfills all requirements for a Schengen visa. It also fulfills the requirement for the Free Movement Directive (this will be specified in the visa requirements if it’s applicable to you).
The insurance coverage includes medical and hospital costs, medicinal products, dental treatment and patient return transport and repatriation of mortal remains in the event of death. A minimum coverage amount of EUR 30,000.00 is guaranteed.
While you are automatically fulfilling the Schengen requirements through your expat health insurance, the person processing your visa needs to confirm this. They are explicitly listed here in the contract to make sure the person processing your visa application can easily find them.
With regard to out-patient and in-patient treatment, the maximum benefit provided by the health insurance is not subject to limitation; benefits exceeding EUR 50,000.00 will also be covered. For temporary stays, this rate meets the requirements for compulsory insurance in Germany pursuant to Sections 193 (3) (1) and 195 (2) and (3) of the German Insurance Act. The deductible amounts to EUR 25.00 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).
There are specific rules in Germany for deductibles and healthcare coverage related to private health insurance plans (in this case, expat health insurance). This is just confirming that these regulations are being met including no limitation to emergency hospital care and fulfilling the requirements for mandatory health insurance through a private insurance provider.
People who are subject to compulsory health and/or nursing care insurance in the country of destination are not insurable and, despite the payment of contributions, are not insured. For people who do not meet the requirements set out in the General Insurance Terms and Conditions, the insurance contract will not be concluded by payment of the premium. If, however, the premium is paid for these people, a refund is available to the person paying the premium.
You don’t need nursing insurance (Pflegeversicherung) while on expat. This insurance is specifically there to take care of you if you need nursing care when you’re old or if you develop a disability that requires someone to care for you. Because expat health insurance is for people who are unsure if they’ll stay in Germany or not and only covers the first 5 years here, nursing insurance is not included.
Do you need nursing insurance (Pflegeversicherung)? You can check out our health tool to find out which health insurance you qualify for.