Insurance for entry into the EU: what policy do Ukrainians need?

It is important for Ukrainians planning to travel to EU countries to have health insurance, as it provides financial protection, helps to avoid high costs for medical services, and also ensures access to medical care in accordance with European standards. Find out what policy Ukrainians planning to travel to the EU need, what requirements are imposed on the document, and where to buy reliable insurance

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

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Travel medical insurance is a document that can significantly simplify life in many unforeseen situations abroad. The policy is mandatory for obtaining a visa or residence permit in most EU countries. Also, the appropriate type of insurance will be needed during visa-free travel for travelers with children, those planning an extreme vacation, when visiting countries with a high risk of insured events, etc.

Having a medical insurance policy abroad is a guarantee for a tourist that he will receive the necessary assistance.

How to get insurance to Europe? How to choose insurance for a trip to the EU? We will tell you further.

Planning a trip abroad? Choose a reliable medical insurance policy on the Visit Ukraine portal.

General requirements for health insurance for entry into the EU

According to European legislation, the following requirements are imposed on the insurance policy:

- Insurance conditions must comply with the requirements of “EU Council Decision 2004/17 on health insurance for travellers abroad” (mandatory since June 2012);

- The policy must be valid for the entire territory of the Schengen Agreement countries;

- Insurance period – the entire period of travel + 15 days;

- Sum insured – at least 30,000 EUR;

- Deductible – up to 150 EUR;

- Insurance must cover compensation for the following risks: emergency care, injuries, transportation to hospital, inpatient treatment, return to the homeland, including in the event of death, etc.

In addition to the general requirements, your insurance policy for a trip to Europe can be expanded with additional benefits. Often, even non-medical risks are added to it - compensation for lost luggage, flight delay or trip cancellation, etc.

Features of insurance for different types of visas in the EU

Depending on the purpose of the trip and planned activities in Europe, a foreigner needs to take out an appropriate insurance policy.

Requirements for an insurance policy for a Schengen visa

Travel insurance is included in the list of mandatory documents when obtaining a visa to EU countries. Insurance for a Schengen visa must be taken out for the entire period of stay in the country. In addition, it must meet the following requirements:

- The amount of coverage significantly exceeds 30,000 euros, with a guarantee that any costs for recovery and repatriation and costs for treatment of COVID-19 will be covered.

- Insurance covers a wide range of risks (visits to doctors, hospital treatment, medications, etc.).

- Territory of distribution - all Schengen countries.

National visa

Obtaining work, study, business and other categories of long-term visas, as well as a residence permit, requires proof of health insurance.

Typically, health insurance has much broader coverage than travel insurance. In particular, it covers a larger number of illnesses, often covers dental care and has a longer validity period. However, the detailed requirements for health insurance for Ukrainians in Europe may differ depending on the country of destination.

To find out the specifics of visa processing and health insurance policy requirements for Ukrainians in each EU country, consult a migration lawyer.

Insurance for visa-free travel to the EU

The issue of having an insurance policy is not clearly specified in the legislative acts of the European Union. The EU Visa Code requires a health insurance policy, but the border code does not include it in the list of mandatory documents. Also, among the list of reasons why border guards may refuse entry, the absence of a tourist's insurance policy is not provided for.

However, on the other hand, a travel insurance policy is one of the documents that, together with a return ticket and accommodation reservation form, can confirm the purpose of the trip to the EU countries.

Also, having an insurance policy is important for safe travels and saving money.

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How much can you save with health insurance?

The healthcare system in European countries is built on insurance - the insurance company pays for the treatment of patients. Each person independently chooses a package of services and the amount of coverage. In the event that there is no policy - you will have to pay for the medical care provided from your own funds. Considering that medical services abroad are very expensive, even minor health problems in the absence of insurance can be expensive. For example, in Norway, an appointment with a family doctor for uninsured persons will cost 30 euros, an appointment with a specialist in the Czech Republic - from 40 euros. A day in a hospital in Germany costs 125 euros, and an ambulance call in Switzerland will cost 800 euros. In contrast, the average cost of insurance per day is only 0.53 euros.

Even a simple cold can hit a Ukrainian's wallet hard in Europe, because medicine can only be bought at a pharmacy with a prescription, and in order to get it, you need to visit a doctor.

How much does health insurance cost for Europe?

The Visit Ukraine portal offers insurance policies with different validity periods - from 3 days to 1 year. You choose the duration yourself - it depends on the number of days outside Ukraine.

The insurance contract comes into force from the moment you cross the state border of Ukraine.

Choose an insurance policy for the specifics of your trip on the Visit Ukraine portal.

Where to buy insurance?

For the safest possible trips, you should buy insurance policies exclusively from trusted agents. On the Visit Ukraine portal you can purchase reliable insurance, which has many advantages.

To apply for a medical or travel insurance policy on the Visit Ukraine portal, you only need a foreign passport. To purchase insurance, you must perform the following steps:

1. Select an insurance package (that meets the request).

2. Enter the insurance validity period

3. Specify your date of birth.

4. Fill out the form with information about the insured person (full name, e-mail, contact phone number, citizenship, passport data, country of destination, address of residence, etc.).

5. Sign the insurance contract (you will need to enter a special code that will be sent to the specified e-mail).

6. Pay for the insurance policy.

In just a few minutes, a reliable insurance policy that meets the requirements of European legislation will be delivered to your mailbox.

Advantages of applying for a travel insurance policy on the Visit Ukraine portal

1. Speed ​​and convenience - the price is calculated instantly, and you can apply for it in a few clicks.

2. Optimal price and convenient payment methods.

3. Security - the policy can be received immediately by e-mail.

4. Ability to choose the optimal coverage for your needs and budget

5. Support – the service works around the clock.

Choose the most suitable options for the specifics of your trip, travel safely and save money at the same time.

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We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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