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Will your policy be accepted for your visa?
By Covered Abroad Research Desk · Last verified July 2026
Six questions. We check your plan against the published requirement for your destination and show you the exact rule it passes or fails — before you book an appointment.
This is a guide, not a decision. Consulates keep discretion and requirements change. We show the published rule and its source; the final decision is always the consulate’s.
The published rule, per destination
These are the rules this check is run against — quoted from the official source where one exists, with the date we last verified each.
France
“For a long-stay visa (VLS-TS), you must hold private health insurance covering your full stay in France. Travel insurance and short-stay Schengen policies are not accepted.”
Official source: France-Visas (france-visas.gouv.fr) & FrenchEntrée long-stay guide — Last verified:
Italy
“The elective residence visa is widely handled to the €30,000 Schengen insurance standard — hospitalisation and repatriation cover for the full visa year — though published consulate checklists vary: some ask for cover of 100% of medical expenses, and requirements differ by consulate.”
Based on: Official esteri.it consulate checklists (Chicago, Boston et al., which vary) & widely-applied Schengen standard — Last verified:
Spain
“Spain requires health insurance “contracted with an insurance entity authorized to operate in Spain” for the non-lucrative and digital-nomad visas — with no deductible, no copayment, no waiting period and no coverage limit. Most international policies fail this rule on registration grounds.”
Official source: Consulates General of Spain (Los Angeles & London) — official visa requirements — Last verified:
Portugal
“Portugal’s national-visa documentation page requires valid insurance covering urgent medical care and possible repatriation. In practice, consulates and visa centres commonly apply the €30,000 Schengen standard (Schengen-wide validity, urgent care, hospitalisation, repatriation), and some US visa centres ask for a full year of validity — treat €30,000 as the practical bar, with the published national-visa rule as the floor.”
Official source: Portuguese MFA visa portal — national-visa documentation (vistos.mne.gov.pt); €30,000 = the MFA’s published Schengen-visa standard, commonly applied in practice — Last verified:
Greece
“Greece’s national (type D) visas require travel medical insurance with minimum cover of €30,000, valid for the whole Schengen area and the full duration of stay, covering emergency care, hospitalisation, and repatriation.”
Official source: Greek Ministry of Foreign Affairs (mfa.gr) national-visa documentation — Last verified:
Malta
“Malta’s Nomad Residence Permit requires health insurance covering the EU (including Malta) and the UK, for one full year with the premium paid in advance. Travel insurance is not accepted — but a foreign health policy that meets the requirements is explicitly acceptable.”
Official source: Residency Malta Agency — Nomad Residence Permit health-insurance policy — Last verified:
Germany
“For Germany’s national visa, health insurance must include the benefits statutory-insured persons are entitled to under §11(1–3) SGB V, and the contract must be open-ended — no expiry or cancellation clauses tied to age, employment, or residence status. Travel insurance is insufficient.”
Official source: German Federal Foreign Office — health insurance in the national visa procedure — Last verified:
Austria
“Austrian residence permits require health insurance that provides benefits in Austria and covers all risks, with claims payable in Austria — a stricter standard than a Schengen travel policy.”
Official source: migration.gv.at & oesterreich.gv.at — residence-permit general conditions — Last verified:
Consulates keep discretion and requirements change. We show the published rule and its source; the final decision is always the consulate’s. Last verified July 2026.
Questions about the check
Does travel insurance pass for a long-stay visa?
No. Travel and short-stay Schengen policies are written for trips, not residence, and are routinely refused for long-stay visa applications. A large emergency limit does not change the product category — the refusal is about what kind of policy it is.
What makes a policy compliant?
A private health policy valid for your full stay, stating inpatient and outpatient cover and the territory, with no disqualifying deductible. The specific bar varies by country: Italy is widely handled to the €30,000 standard and commonly expects zero deductible in year one, Spain requires an insurer authorized to operate in Spain, and Germany benchmarks against statutory benefits rather than any figure.
Why do some countries publish a euro figure and others not?
Greece, Portugal and Italy are handled against a €30,000-style standard. Germany and Austria publish no figure at all — Germany benchmarks cover against the benefits of its statutory system, and Austria tests all-risks scope with claims payable in Austria. Searching for Germany or Austria’s minimum finds nothing because there is nothing to find.
Can my US or UK domestic health plan be used?
Generally not. US and UK domestic plans are not structured to cover treatment abroad for residents and are not accepted for long-stay visa applications. A worldwide-emergency rider on a domestic plan is not residence cover.
Is this checker a decision?
No. It is a guide. Consulates keep discretion and requirements change, so we show the published rule and its source and let you see exactly what your policy passes or fails. The final decision is always the consulate’s.
Do I have to give an email to use it?
No. The check runs and shows your result without an email address. You can optionally have the result emailed to you, but nothing is gated behind it.