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Schengen Visa Insurance plan

Medical insurance for traveling Schengen

What is a Schengen Visa?
A Schengen Visa is a visa issued by any of the 26 Countries (see below) and it allows the holder to travel within the Schengen zone as though there were no borders separating the countries. It provides travel without passport checks and border control within the defined area.
Who must purchase Schengen Travel Insurance for Europe?
Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it an individual visitors or group visitors, tourists, or business travelers.

 

Seguro médico para viajar Schengen

¿Qué es una visa Schengen?
Una Visa Schengen es una visa emitida por cualquiera de los 26 países (ver abajo) y le permite al titular viajar dentro de la zona Schengen como si no hubiera fronteras que separaran a los países. Proporciona viajes sin controles de pasaportes y controles fronterizos dentro del área definida.

¿Quién debe comprar el seguro de viaje de Schengen para Europa?
Cualquier persona que viaje temporalmente a Europa desde un país sujeto a requisitos de visa, ya sean visitantes individuales o en grupo, turistas o viajeros.


International Travel Medical Insurance
The Schengen VISA Insurance policy
THE BEACON PLAN  
Quote & Purchased
ONLINE
Schengen Visa


Seguro Médico de Viaje Internacional
La póliza de seguro VISA de Schengen
EL PLAN BEACON
Cotizar y Compra
EN LÍNEA

Schengen Visa

The Beacon Series Travel Medical Plan Schedule of Benefits 

Medical Coverage

Maximum Limits:   $60,000; $110,000; $550,000; $1,100,000 or $2,000,000 ($50,000 Maximum Limit ages 70-79; $12,000 Maximum Limit ages 80+).

Deductibles:  $0; $100; $250; $500; $1,000; $2,500 per Coverage Period.

Coinsurance (Subject to the Deductible): The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for Eligible Expenses incurred outside the US & Canada.

Hospital Services

Outpatient Services

Pre-Certification Penalty: 50%

Prescription Drugs: Usual, Reasonable, and Customary charges.

Hospital Indemnity: $150 per night; Inpatient Hospitalization (Outside the US and Canada ONLY).

Physician Visit: Usual, Reasonable and Customary charges.

Hospital Room and Board: Average Semi-private room rate, including nursing services.

Physical Therapy $60 Maximum Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period.

Emergency Room Illness: Usual, Reasonable, and Customary charges (subject to additional $250 Deductible if not admitted overnight).

Emergency Room Accident: Usual, Reasonable, and Customary charges.

Other Benefits

All Other Eligible Medical Expenses: Usual, Reasonable, and Customary charges.

Sudden On-set of Pre-existing Condition: $15,000 Maximum Limit for Eligible Medical Expenses including Emergency Medical Evacuation.

Local Ambulance: Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization.

Durable Medical Equipment: Usual, Reasonable, and Customary charges.

Dental (Injury as result of Accident) Only available for Policies purchased for 90 days or more:$250 Maximum Limit per Coverage Period.

Dental (Acute onset of pain) Only available for Policies purchased for 90 days or more: $100 Maximum Limit per Coverage Period.

Lost Checked Luggage: $250 per Coverage Period (not subject to Deductible or Coinsurance).As defined in the Policy.

Optional Sports Rider: $10,000 Maximum Limit per Coverage Period.

Emergency Medical Evacuation:Maximum Limit; except when provided under the Sudden onset of Pre-existing Conditions..

Emergency Reunion: $50,000 Maximum Limit.

Trip Delay / Missed Connection: $100 Maximum Limit per day (Maximum 2 days), after a 12 hour delay period. As defined in the Policy.

Personal / Third Party Liability: $500 Maximum Limit. As defined in the Policy.

Return of Mortal Remains: $50,000 Maximum Limit

Return of Minor Children: $5,000 Maximum Limit$5,000 Maximum Limit.

Quick Trip Home Country Coverage: 14 days cumulative Home Country Coverage (as defined in Policy). Subject to 90 days minimum purchase.

Home Country Coverage (End of Trip): Free 15 days with 180 days purchase, or free 30 days with 364 days purchase.

Common Carrier Accidental Death and Dismemberment: Up to $50,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member age 18 and older or Up to $30,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member under age 18. $250,000 Maximum Benefit any one family

Political Evacuation: $10,000 Maximum Limit (not subject to Deductible or Coinsurance). As defined in the Policy.

Terrorism: $50,000 Maximum LimitMedical Expenses ONLY.

Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older: Up to $30,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $30,000; Death of Spouse= $20,000; Death of Child(ren)= $6,000 Loss of 2 or more Limbs or both eyes= $30,000 Loss of 1 Limb or eye= $15,000 Age 70-74 benefits are reduced by 50% Age 75+ benefits are reduced by an additional 50% $250,000 Maximum Benefit any one family

Accidental Death and Dismemberment (AD&D) Participating Members under the age 18: Up to $6,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $6,000 Loss of 2 or more Limbs or both eyes= $6,000 Loss of 1 Limb or eye= $3,000 $250,000 Maximum Benefit any one family

*  Maximum Limit for those age 70-79 is $50,000
** Maximum Limit for those age 80+ is $12,000 


This is a consolidated and summary description of benefits and limits. A full version of the Evidence of Insurance or Master Policy with a complete list of benefits, conditions, limitations and exclusions is available upon request.

 

The Schengen Area Member States:

Schengen Area Member States Map
Map of Schengen Area Countries and Europe
Austria     Belgium    Czech Republic  Denmark  Estonia  Finland   France  Germany Greece    Hungary  Iceland  Italy   Latvia  Lithuania  Luxembourg  Malta      Netherlands  Norway  Poland  Portugal  Slovakia  Slovenia  Spain    Sweden   Switzerland Liechtenstein