AXA Schengen Travel insurance (Schengen Essential)

Essential plan includes medical expense cover of €100,000 as standard, with an optional upgrade to €250,000.

Territorial coverage extends beyond the Schengen Area to include the UK, Ireland, Cyprus and the European microstates.

Includes personal liability protection up to €10,000 and personal accident (death/disability) cover up to €10,000 as standard benefits, not just medical assistance.

Offers 'Dr. Please!' teleconsultation, allowing insureds to consult a doctor in their own language remotely 24/7 during their trip.

Assistance call deadline

You must contact AXA Assistance's call center as soon as a situation is likely to involve costs covered by the policy, before any intervention; no fixed hour deadline is stated but prior consent is required.

Section: 3. BELANGRIJKE INFORMATIE > 3.6 CONTACT MET ONS OPNEMEN

Neem contact op met ons Call Center zodra de situatie waarschijnlijk kosten met zich meebrengt

Unauthorized treatment

Costs for medical emergencies for which AXA has not given prior approval are excluded from reimbursement.

Section: 6. UITSLUITINGEN > 6.1 UITSLUITINGEN VAN TOEPASSING OP ALLE VERGOEDINGEN

Kosten voor medische noodgevallen waarvoor we geen goedkeuring hebben gegeven

Purchase before visa application

The policy must be purchased before departure; trips already begun before the insurance was taken out, or contracts concluded while already inside the Schengen area, are not covered.

Section: 2. DEFINITIES > REIS/ REIZEN

Reizen die reeds begonnen zijn toen u deze verzekering afsloot, zijn niet gedekt.

Applicant residence restrictions

The insured's country of habitual residence must not be on AXA's sanctioned country list, must be outside the Schengen area, and must not be the UK or the USA.

Section: 3. BELANGRIJKE INFORMATIE > 3.3 VOORWAARDEN > DE VERZEKERDE

Uw Land van de gewone woon- en verblijfplaats mag niet op de lijst van gesanctioneerde landen van AXA staan

Visa refusal refund terms

If the applicant cannot obtain visa approval and therefore cannot travel to the covered territory, AXA fully refunds the premium upon receipt of an official document confirming the visa refusal.

Section: 8. OVER UW DEKKING > 8.7 TERUGBETALING

in het geval dat u geen visumgoedkeuring kunt verkrijgen en bijgevolg niet in staat bent

Certificate issuance

After subscribing, AXA provides an Attest that must be presented to the competent authorities as proof of health insurance when applying for a Schengen visa.

Section: 2. DEFINITIES > ATTEST

U moet het voorleggen aan de bevoegde autoriteiten als bewijs van uw ziektekostenverzekering bij het aanvragen van een SCHENGENVISUM.

Policy extension rules

Exceptional extension (for non-EU residents unable to return) is allowed up to a maximum total of 6 months, must be requested before the original policy expires, and no refund applies to the extended period.

Section: 8. OVER UW DEKKING > 8.4 UITZONDERLIJKE VERLENGING VAN HET CONTRACT VOOR NIET-EU-ONDERDAAN

De verlenging kan slechts voor een maximale duur van zes maanden in totaal.

Chronic conditions

Chronic conditions fall under the 'existing medical condition' definition (symptoms/treatment within 2 years before subscribing) and claims from such conditions are excluded.

Section: 2. DEFINITIES > BESTAANDE MEDISCHE AANDOENINGEN

Elke vroegere of huidige medische aandoening waarvan symptomen zijn opgetreden of waarvoor enige vorm van voorgeschreven behandeling

Pre-existing condition exclusions

Claims directly or indirectly arising from a pre-existing medical condition are excluded from cover.

Section: 6. UITSLUITINGEN > 6.2 UITSLUITINGEN VAN TOEPASSING OP SPECIFIEKE WAARBORGEN

Vorderingen die direct of indirect voortvloeien uit een bestaande medische aandoening.

Coverage duration limit

The Essential plan covers a single trip of up to 180 consecutive days maximum, within the coverage period stated in the Special Conditions.

Section: 2. DEFINITIES > MAXIMALE REISDUUR

Voor uw Essential-dekking mag uw enkele reis maximaal 180 opeenvolgende dagen bedragen.

Direct payment

AXA Assistance can settle emergency medical costs directly with the treating hospital/clinic when contacted in advance; treatment at private facilities is not covered unless pre-approved, and costs incurred without prior consent are not reimbursed.

Territorial scope

Covers all Schengen Area countries at the time of the insured event, plus San Marino, Andorra, Monaco, Vatican City, Cyprus, Ireland and the United Kingdom. Never covers the insured's country of habitual residence.