Anyone planning a stay in Austria or the Schengen area will benefit from having good travel protection to keep them safe. HanseMerkur's visa travel insurance provides all-round cover for international guests travelling for up to 364 days. Find out why visa travel insurance is so important and what benefits it covers.
Visa travel insurance – Your support as a foreign guest in Austria
Advantages of Visa travel insurance
Whether you are visiting friends or family in Austria, travelling on business or planning a trip on your own through Europe – in case of illness, accident or other incident, you should be able to claim medical benefits and cover yourself financially. Visa travel insurance provides you with comprehensive protection during your trip and helps you avoid high unexpected treatment costs.
What benefits should visa travel insurance provide?
If you are travelling to Europe as a foreign visitor, you should ensure that your travel insurance meets the requirements for a so-called Schengen visa. The Schengen Area currently comprises 29 European countries that have, in principle, abolished border controls at their shared internal borders. The United Kingdom, Ireland and Cyprus, amongst others, are not part of the Schengen Area.
What is the Schengen visa? As a Schengen visa holder, you can travel to all member states of the Schengen area. But watch out: The visa only allows short stays of up to 90 days. Anyone planning a stay of more than 3 months in a Schengen country must apply for a national visa in the relevant country.
If you are entering Europe and Austria from a country requiring a visa, you are obliged to take out travel insurance. Important: If you are looking for travel insurance for a Schengen visa, make sure that the insurance:
covers all member states of the Schengen area.
has a minimum cover of € 30,000.
covers the costs of necessary medical assistance, emergency hospital treatment, medically necessary return transport and repatriation.
How do I find the right travel insurance for visas?
Travel insurance is only compulsory for travellers who need to apply for a Schengen visa. Nevertheless, we also recommend that travellers without a visa take out comprehensive cover through travel health insurance. Are you, for example, travelling on business in Europe? In that case, health insurance may already be included in your employment contract. However, this often only covers medical emergencies up to a limited sum insured. If you are treated by a doctor or need to go to hospital for other reasons, in the worst-case scenario you may have to cover a large proportion of the costs yourself.
Our health insurance for foreign guests meets all the criteria for a Schengen visa. You can choose between two different plan variants. Under both the ‘Sorglos’ and ‘Premium’ cover options, we cover all outpatient and inpatient medical treatment – for example, during a hospital stay. We also cover the full cost of medically necessary repatriation to your home country and the costs of transporting the deceased, under both cover options. Are you younger? In that case, we recommend our Young Travel travel insurance As a young visitor to Austria, you can benefit from reduced premiums until your 31st birthday.
Visa travel insurance: Do I have to expect deductible costs?
If you opt for the Premium plan for our international health insurance policy for foreign guests, a deductible will only be charged on a pro rata basis in the travel liability insurance policy. In cases of damage to rented property and deportation costs, a deductible of 20 % (at least € 50) will be deducted from the determined amount of damage. In cases of damage to the household of a host family, professional liability and loss of receivables, a deductible of 10% (minimum of € 200) applies.
Would you like to extend your stay in Austria or add a trip through Europe to your actual stay? Then take the opportunity to extend your contract and thus your travel insurance for visas.
At a glance – the international health insurance policy for foreign guests
If you suffer an injury, are involved in an accident or need medical treatment for any other reason during your time in Austria or another Schengen country, be sure to take the right precautions with the international health insurance policy for foreign guests. Our insurance cover offers these benefits in addition to many others:
Suitable for all travellers with and without Schengen visa
Assumption of costs for outpatient and inpatient medical treatment and for a reasonable medical return transport to the home country
Travel liability and travel accident insurance can be booked additionally
Calculation of premiums by the day
Framework conditions
These general conditions apply to health insurance for foreign guests:
- Scope of cover: in all Schengen member states
- Validity period: Commencement of trip until the end of the trip (from reaching the border)
- Rate up to and from the age of 65
- Maximum duration of trip: 364 days
- Deadline: Insurance can be taken out at any time before the start of the trip