7 Best health insurance companies in Schengen countries
When planning a trip to the Schengen Area—comprised of 27 European countries with relaxed border control you will need to meet a number of travel requirements, including having health insurance. For tourists, students, and business travelers, choosing the right health insurance company is essential not only for meeting the Schengen Visa requirements but also for ensuring medical coverage in case of emergencies. This guide will review some of the best health insurance companies that provide coverage in Schengen countries, helping you to make an informed decision.
7 Best health insurance companies in Schengen countries
- Allianz Care
Overview
Allianz Care, a branch of Allianz SE, offers comprehensive international health insurance plans with a reputation for covering expatriates, students, and tourists. Allianz Care’s policies cater specifically to those traveling to Schengen countries, ensuring compliance with visa requirements.
Key Benefits
Extensive Coverage: Allianz covers medical expenses, emergency evacuations, and maternity, making it an attractive option for long-term travelers.
Flexible Plans: Allianz Care offers a range of plans tailored to different needs, from basic emergency-only plans to full health insurance.
Global Network: With an extensive network of healthcare providers in Europe and beyond, Allianz Care makes it easy for policyholders to access medical care without upfront payments.
7 Best health insurance companies in Schengen countries
- AXA Schengen
Overview
AXA is one of the most popular options for health insurance among travelers to the Schengen Area. The company offers a plan called “AXA Schengen,” which is specifically designed to meet visa requirements and provide essential medical coverage.
Key Benefits
Visa Compliance: AXA Schengen’s plans meet the minimum requirements for a Schengen Visa, including coverage of at least €30,000.
Affordable Pricing: AXA Schengen plans are competitively priced, offering great value without compromising on essential coverage.
Quick Online Process: AXA makes it easy for travelers to purchase coverage online with instant confirmation, which is beneficial for those applying for visas.
- Cigna Global
Overview
Cigna Global is a well-known insurance provider, offering high-quality international health insurance plans. The company is recognized for its comprehensive services, focusing on providing health insurance for expatriates, business travelers, and families.
Key Benefits
Comprehensive Coverage: Cigna’s plans are extensive, covering inpatient, outpatient, emergency, and maternity care.
24/7 Support: Cigna offers global customer service and a support network, which is valuable for travelers requiring assistance abroad.
Tailored Options: Cigna Global offers customizable plans, allowing travelers to choose coverage that suits their specific needs and budget.
7 Best health insurance companies in Schengen countries
- Europ Assistance
Overview
Europ Assistance, part of the Generali Group, is another popular choice for health insurance in the Schengen Area. The company has been a pioneer in travel assistance services and provides solid health insurance plans for tourists.
Key Benefits
Emergency Support: Europ Assistance excels in emergency and travel assistance, offering comprehensive coverage for medical emergencies.
Wide Network: The company has a strong network of healthcare providers throughout Europe, ensuring that policyholders have easy access to medical services.
Easy Claims Process: Europ Assistance offers a straightforward claims process, which helps travelers manage their expenses efficiently.
7 Best health insurance companies in Schengen countries
- Foyer Global Health
Overview
Foyer Global Health specializes in health insurance for expats and long-term travelers within Europe. They offer plans that not only cover medical emergencies but also provide ongoing care for chronic conditions, a unique advantage for expatriates.
Key Benefits
Broad Coverage: Foyer Global Health’s plans cover everything from emergency treatments to preventive care and hospitalization.
Schengen Visa-Compliant: Their basic plans are compliant with the Schengen Visa requirements, making it easy for travelers to choose.
Personalized Customer Service: Foyer Global Health is known for a client-focused approach, providing assistance in multiple languages.
- SafetyWing
Overview
SafetyWing is a newer company that has quickly gained popularity for its affordable, flexible travel insurance options, especially for digital nomads and remote workers. SafetyWing’s plans are designed to cater to individuals who may move frequently between countries, including those in the Schengen Area.
Key Benefits
Affordable Pricing: SafetyWing’s policies are budget-friendly, making them attractive for younger travelers, students, and backpackers.
Flexible Terms: SafetyWing offers monthly renewals, allowing travelers to adjust their coverage as they go, which is ideal for flexible itineraries.
Remote Work-Friendly: The company’s plans are specifically tailored for digital nomads, covering remote work situations, which most traditional travel insurance plans overlook.
- World Nomads
Overview
World Nomads is a popular choice for adventurous travelers. Known for its affordable and customizable plans, it is particularly suited for those seeking outdoor adventures and extreme sports in the Schengen Area.
Key Benefits
Adventure Sports Coverage: World Nomads includes coverage for a wide range of activities, from skiing to diving, which is not always included in other policies.
Flexible Policy Options: Travelers can extend their policies or customize coverage, which is helpful for trips with changing itineraries.
Straightforward Claims Process: The claims process is simple, and the company offers an online system to facilitate quick reimbursements.
7 Best health insurance companies in Schengen countries
Final Considerations When Choosing Health Insurance in Schengen Countries
Choosing health insurance that meets Schengen Visa requirements and fits your needs requires considering your length of stay, budget, and any special medical requirements. Here is a quick checklist to help guide your choice:
- Ensure Visa Compliance: Make sure the plan meets the €30,000 coverage minimum required by Schengen countries.
- Consider Customization Options: If you need comprehensive coverage or coverage for specific health issues, choose a plan that allows customization.
- Check for Exclusions: Some insurance plans exclude high-risk activities or pre-existing conditions, so review the policy details.
- Access to Providers: Look for insurance providers with networks in the countries you plan to visit to minimize out-of-pocket expenses.
From Allianz and AXA to SafetyWing and Cigna, these companies each offer unique benefits that cater to different types of travelers in the Schengen Area. Whether you are a backpacker, a business traveler, or a long-term expatriate, selecting a reliable insurance company can provide peace of mind and security as you explore Europe.