Luma Schengen Pass
Travel Insurance for Europe
| BENEFITS (EUR) | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| I. MEDICAL EXPENSES AND EMERGENCY ASSISTANCE: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient. | € 30,000 | € 60,000 | € 100,000 |
| Medical Expenses: Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 240 EUR per day for hospital room and board | Up to Limit | Up to Limit | Up to Limit |
| Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country | - | € 3,000 | € 5,000 |
| Emergency Evacuation: Emergency Evacuation to the nearest facility capable of providing adequate Medical Care | Up to Limit | Up to Limit | Up to Limit |
| Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessary | Up to Limit | Up to Limit | Up to Limit |
| Hospital Cash Allowance: 40 EUR for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability | - | - | € 600 |
| Additional Costs of Travel & Accommodation: Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical Evacuation of the Insured Person | - | € 500 | € 800 |
| Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad | - | € 500 | € 800 |
| Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin | - | € 500 | € 800 |
| Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin | € 1,800 | € 1,800 | € 1,800 |
| II. PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is 1,000 EUR | - | € 1,000 | € 3,000 |
| III. INCIDENTAL COVER: Covers incidents during the trip | - | - | - |
| Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is 200 EUR per item and 300 EUR per pair or set. Loss of laptop is limited to 300 EUR | - | € 300 | € 700 |
| Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of 53 EUR per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage | - | € 100 | € 300 |
| Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is 120 EUR for plan 2 and 160 EUR for plan 3 | - | € 300 | € 500 |
| Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery | - | € 100 | € 200 |
| Travel Delay Cash Allowance: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 20 EUR for each full 6 hours delay. | - | - | € 100 |
| Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service, natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence. | - | - | € 2,000 |
| Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles) | - | € 1,000 | € 3,000 |
| Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car. | - | - | € 250 |
Contact Luma for more information
Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
All countries of the Schengen area listed above, and non-Schengen European countries accepting Schengen visas:
Albania, Antigua and Barbuda, Belarus, Bosnia and Herzegovina, Bulgaria, Colombia, Croatia, Northern Cyprus, Georgia, Gibraltar, Kosovo, Mexico, Montenegro, North Macedonia, Romania, Sao Tome and Principe, Serbia, Turkey.
Please note these refer to countries where the Schengen visa is accepted. For insurance coverage, please check the details in the terms and conditions of your selected insurance policy.
Depending on the nationality of the traveler, a Schengen Visa might be required. Please refer to the official list from the European Commission to check your eligibility.
There are several types of Schengen Visa you can apply for, so please make sure to choose the visa type that matches your situation.
1. Uniform Schengen Visa (USV)
– Category A: The Airport Transit Visa
– Category B: The Transit Visa
– Category C: Short-term Visa
i. Single-entry visa
ii. Double-entry visa
iii. Multiple-entry visa (1 year/ 3 years/ 5 years)
2. The Limited Territorial Validity Visa (LTV)
3. The National Visa (Category D)
For tourists, USV is the most common type of Schengen Visa, as it covers categories A, B, and C. Please note that a Schengen Visa is valid for up to 90 days within a 180-day period.
You can apply for the Schengen Visa at the embassy or consulate of the destination country or a visa application center.
If you are traveling to more than one Schengen country, you can file your application at the embassy or consulate of the country you will travel to first.
If you are traveling to more than one Schengen country, you can file your application at the embassy or consulate of the country you will spend the most days.
Please note that the indicated documents above are the standard required documents. Please double-check the requirements for your visa type, as the specifications may differ from one type to another.
Please note that the visa fee is non-refundable if your visa has been refused.
A Schengen Visa takes approximately 2 weeks to be processed. However, the processing time takes up to 30 days, or even longer in some cases depending on the complications with your application. The delay typically happens during the high season, when there is a high demand for travel.
The earliest you can file a visa application is 6 months before the travel date, and the latest you can file a visa application is 15 working days before the travel date.
It is recommended to file a visa application at least three weeks before your trip. However, consider starting your application even earlier during the high season.
Most travel insurance policies cover Covid-19 treatments, but some do not. It is highly recommended to find a travel insurance policy with Covid-19 coverage, as a policy without Covid-19 coverage may be rejected by the embassy or consulate.
“Luma SCHENGEN Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
