FAQ - Medical Insurance for Schengen Visa

1) Questions about Insurance:

What is the limit of coverage under a health insurance policy?

AXA ASSISTANCE "Foreigner’s Health Insurance for Necessary and Urgent Care" and "Comprehensive Health Insurance for Foreigners" provides the indemnity in amount of EUR 60, 000.

What medical services are covered by the insurance?

“Foreigner’s Health Insurance for Necessary and Urgent Care” covers costs for urgent and necessary examination required to make a diagnosis and initiate a treatment procedure; costs for hospitalisation, medication prescribed by the physician, dental treatments in the event of acute toothache, transport from the place of injury or illness to the healthcare facility, repatriation of the insured person including transportation of mortal remains to the mother country of the deceased.

Which countries are included in the Schengen area?

The Schengen area comprises the territories of most of European countries, within which persons can cross borders between the signatory states at any place without the necessity to go through the border control. Signatory states are primarily the EU member states, and also some non-EU countries:

22 of the EU member states:

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain and Sweden
4 non-EU counties:
Iceland, Liechtenstein, Norway and Switzerland

The Schengen Area does not include Monaco, San Marino, and the Vatican, but there are no border checks on the borders thereof.  The Schengen Area also does not include overseas territories of Member States, Ceuta, Melilla, and Svalbard.  Exceptions to this are the overseas territories of the Azores, Madeira, and Canary Islands, which are included in the Schengen Area.

Do I need a visa?

Under the Schengen regulations, citizens of these countries need a valid visa to visit or transit any country in the Schengen area:

Afghanistan, Algeria, Angola, Antigua and Barbuda, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Colombia, Comoros, Congo, Cuba, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Fiji, Gabon, Gambia, Georgia, Ghana, Grenada, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kiribati, Korea, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Marshall Islands, Mauritania, Micronesia, Moldova, Mongolia, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Niger, Nigeria, Northern Marianas, Oman, Pakistan, Palau, Papau New Guinea, Peru, Philippines, Qatar, Russia, Rwanda, Saint Helena and dependencies, Saint Lucia, Saint Vincent and the Grenadines, Samoa, São Tomé and Principe, Saudi Arabia, Senegal, Sierra Leone, Solomon Islands, Somalia, South Africa, Sri Lanka, Sudan, Suriname, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, Uzbekistan, Vanuatu, Vietnam, Yemen, Zambia, Zimbabwe.

Your passport must be valid for at least six months after your return.

What other services can I use?

AXA ASSISTANCE offers its clients a non-stop 24-hour assistance line that the clients can call whenever they experience health problems, need to find appropriate suitable medical facility, ensure appropriate medical care, or need any information regarding the availability of medical services.

Do I have to pay a deductible?

No, the clients do not pay any deductible. Policies cover all medical interventions and care specified in the policy and the insurance terms and conditions, incl.: justified transfers to the medical facilities, provided assistance services, etc.

Do I have to pay cash for medical attendance?

No, in a case of health emergency or necessity to visit a physician as a precaution, you should contact the assistance service which is available 24 hours a day. The operator will find the nearest medical facility, with the capabilities for treating the actual illness or injury, and will assist you in arranging the visit and pursuing a non-cash payment.


2) Questions about Online Insurance Arrangement

I want to take out health insurance for myself and my partner. Can I arrange both policies in a single payment transaction?

Unfortunately, this is not possible. The arrangement of both policies is subject to separate payments for each of them. When taking out the policy, paying the premium with a payment card is the easiest option.

Can I check the wording of the policy before paying?

When you arrange your insurance policy online, you can open the draft insurance agreement before proceeding with a payment.  It will be displayed in the application and you can modify any parameters you wish to.  The system generates the final insurance agreement once premiums have been paid- credited to the insurer’s account. We will then send you the insurance agreement together with a confirmation of the payment of insurance and the insurance certificate.

When will you send me the original of the policy?

We will send you the policy, together with a receipt – confirmation of the premium payment and the insured person's card, (after the payment for the insurance has been credited to the insurer's account) in electronic form via e-mail to the address specified by you earlier in the order form.

I have remitted the payment for the insurance; when will you send me the policy?

We will send you the policy immediately after receiving the payment, i.e., the crediting of the payment to our account. In case, the client selects the payment via “bank transfer” the documents are received by the client in the course of 3-4 days. In case, the client selects the payment card transaction and provided that the transaction is processed without any obstacle, the insurance agreement and the card shall be received by the client immediately.

Do I also need to arrange an additional travel insurance policy?

The Foreigner’s Health Insurance for Necessary and Urgent Care can be considered an equivalent to the Insurance of Medical Expenses. If you take out the Foreigner’s Health Insurance for Necessary and Urgent Care it is not necessary to take out the travel insurance policy for carrying out trips to the Czech Republic, Slovakia, Poland and other Schengen countries.

How shall I proceed with the payment? Can I pay by card?

When you take out a policy online, you can pay the premium via bank transfer or by a card.. The Card Payment seems to be the most appropriate option for the clients, as the payments, in most of the cases, are not subjected to the fees imposed by the bank. The online card payment option also enables the immediate attribution of the payment to the relevant agreement.

Who pays the bank fees upon a money transfer?

When paying the premiums clients are always obliged to pay the bank fees.

How shall I determine my payment of premium made by a bank transfer?

When proceeding with the payment, you always need to specify the payment identification which is an insurance agreement number. The number is received by the client in the confirmation e-mail after the insurance policy has been taken out. In case of erroneous payment identification, the payment will not be matched to the respective insurance policy and may become unidentifiable in the system.

What is the difference between the policy holder and the insured?

The policy holder is the person who has taken out the policy with AXA ASSISTANCE and paid the premium. The insured is the person under the insurance agreement, e.g., a child with the valid policy arranged/taken out by his/her parents. In most cases, the policy holder and the insured is the same person. The policy holder must always be at least 18 years old.

What steps should I take in the event of card loss - the ID of the insured?

If you have taken out your policy online, you have the card in your e-mail and you can print it out again whenever it is necessary. If you have not yet the e-mail containing your insurer’s card attributes, send us the request via e-mail to and AXA ASSISTANCE will send you the requested card..

Foreigners' Health Insurance Online
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