Center of insurance for traveling abroad
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Insurance for a visa

A valid health insurance policy is one of the mandatory documents required for travelling abroad. The existence of a health insurance is questioned by the consular services during a visa application, and by the border guards at the entrance to the destination country.

The requirements for coverage and registration of insurance policy depends on the country of destination, the purpose of travelling and the type of visa requested.

Standard Insurance Requirements for a Visa

The insurance policy for issuing a visa must be in accordance with the requirements specified migration legislation of the country of destination.

General Requirements for coverage and registration of insurance policies for a visa:

  • The insurance policy must cover the payment for the following:
    • Medical services (sudden illness, burns, poisoning, injuries and consequences of accidents).
    • Medical transport services (emergency repatriation to country of permanent residence in event of a severe medical condition).
  • Requirements for policy acceptance:
    • The policy can be issued both on the insurance company’s letterhead, and in electronic form (printed).
    • All fields of the policy must be filled with printed characters. Filling the policy’s field with handwritten character is prohibited.
    • The policy must contain the name of the insured, spelled in Latin alphabet and in accordance with the spellings in the international passport and other documents relevant to the trip.
    • The policy should indicate the country of destination or the territory of the policy.
    • The policy should specify the list of services offered, the insurance risks, currency and amount of coverage.
    • The insurance policy must be valid for the entire period of stay in the country of destination.
    • The effective date of the insurance contract must not be latter than the date of entry into the destination country.

Insurance policy requirements for visas to Schengen countries including Bulgaria, Romania, Cyprus, Montenegro and Croatia

Category C (tourist Visa)

To obtain a category C Schengen visa, the insurance policy must be submitted to the Consulate together with other requested documents. Requirements for the insurance policy are the same for all countries within the Schengen zone. These requirements are regulated by the European Union (EU) visa code.

In addition to standard requirements, the following requirements are imposed on insurance:

  • The limit of the insurance coverage must not be lower than 30,000 euros.
  • If a double or multiple entry visa is issued, the insurance must be issued for a period not less than the duration of the first trip. At the same time, the applicant must sign an obligation to have a valid insurance during all subsequent trips to Schengen zone.
  • A number of countries bound by the Schengen agreement impose special demands on the validity of the insurance policy.
Finland

Insurance for a Schengen visa to Finland must be valid from the date of visa application.

Iceland

The insurance policy for a Schengen visa to Iceland must cover an additional period of 25 days to the date of the scheduled trip.

Category D (national visa)

Insurance for a national visa of category D must meet these standard requirements. A number of member countries to the Schengen zone demand additional insurance requirements for this category of visas, depending on the purpose of the visit.

Finland

If the visit to Finland is for the purpose of obtaining education for 2 years at most, then the amount of the insurance limit must not be lower than 100,000 euros.

Latvia

The amount of the insurance limit for a national visa to Latvia must not be lower than 42,600 euros.

Spain

If a national visa is issued to Spain for the purpose of obtaining a residence permit (residence permit), the insurance must be purchased from international insurance companies possessing branch office(s) (unit) in Spain.

Some countries of the Schengen Agreement for obtaining a category D visa require, in conjunction with the insurance policy, to provide translation of the insurance rules into English or the national language in cases where a different language is used in the policy. This service is available at an additional cost.

Prior to the issuance of a category D visa, some Schengen countries will require the provision of a translated insurance policy in either English or the destination countries’ official language, especially if the insurance policy is printed in a different language order than English or the countries’ official language. This service is only available at an additional cost.

Detailed requirements for each country are specified in the country requirement section.

Insurance Requirement for a visa to countries in south-east Asia

South–East Asia includes the following countries:

Cambodia, Vietnam, Laos, Myanmar, Thailand, Malaysia, Indonesia, Philippines, Singapore, Brunei and East Timor. The insurance requirements for a visa to these countries are standard.

The increase in coverage to $ 50,000 or $ 100,000 is at the discretion of the Insured.

Note:

If the travel itinerary for an overseas trip includes exploring mountains, island or any other remote part of the destination country, the insurance amount should be estimated at either $50,000 or $100,000.

Injuries and diseases acquired in the aforementioned remote places, may require evacuation to the nearest hospital with the assistance of special air transport. The cost of this service may vary from $15,000 to $30,000, depending on the destination country.

Detailed requirements for each country are indicated in the country requirements section.

Insurance requirements for Visas to countries in Africa and Latin America

The following countries belong to these regions:

Argentina, Brazil, Chile, Colombia, Costa Rica, Cuba, Dominican Republic, Mexico, Egypt, Kenya, the Democratic Republic of the Congo, Madagascar, Mali, Morocco, Nigeria, Seychelles, Tunisia and Ethiopia.

In order to visit the aforementioned countries for the purpose of tourism, an entry visa can be issued at the airport upon entry to the country. Regardless of the purpose of visiting and the type of visa received, the amount of insurance coverage must be at least 2 million rubles or its equivalent in foreign currency.

In relation to fluctuations in exchange rate, it is recommended to choose an insurance limit of $30,000 euros. The increase in the limit to either $50,000 or $100,000 depends on the duration and purpose of the trip. Other insurance requirements remain standard.

Note:

If the chosen insurance plan provides no coverage for risks associated with sports and pregnancy complications, the medical expenses associated with treating sport injuries and pregnancy complication will be borne by the insured.

Insurance requirements for visas to Russia and CIS countries

The CIS countries include Belarus, Ukraine, Moldova, Armenia, Georgia, Kyrgyzstan, Kazakhstan, Tajikistan, Turkmenistan, Azerbaijan and Uzbekistan.

The insurance coverage requirements for visas to CIS countries and Visas to Russia for CIS citizens are similar to standard requirements. The purchase of insurance policy is allowed in any Russian insurance company that permits travelers to apply for a travel insurance policy.

The minimum insurance coverage amount for visas to CIS countries is $30,000. The policyholder has the right to increase the aforementioned limit to $50,000 or $100,000.

Detailed requirements for each country are set out in the country requirements sections.

Insurance requirements for visas to the rest of the world

If the consulate of a particular host country imposes no additional requirements for insurance, then the policy must formalized according to the basic standard. The insurance coverage amount must be 2 million Rubles or an equivalent in a foreign currency.

Detailed requirements for each country are set out in the country requirements sections.

The complete list of visa-free countries are specified here.