When planning a trip to Europe, the USA, Japan, South Korea, Australia, or Russia from Indonesia, one critical aspect of your visa application is travel insurance. At Flado Visa Agency, we’ve seen many visa applications get rejected simply because the applicant didn’t meet the strict insurance requirements or bought an unsuitable local insurance plan.
In this guide, we explain the Schengen visa insurance requirements and highlight SafetyWing as the top choice for travelers, while also comparing it with other local options like Sinar Mas and Zurich.
1. Schengen Visa Insurance Requirements (The Rules)
For any Schengen visa (France, Germany, Netherlands, etc.), your travel insurance must meet the following criteria:
- Minimum Coverage: At least €30,000 (approx. $33,000 USD).
- Area: The insurance must be valid for all 27 Schengen member states.
- Benefits: Must cover emergency medical expenses, hospital stays, and repatriation of remains.
- Deductible: Most embassies require a $0 deductible (you shouldn’t pay anything out-of-pocket before the insurance kicks in).
2. Our Top Pick: SafetyWing for Expats & Nomads
When it comes to travel insurance, SafetyWing is our number one recommendation. Whether you’re a foreign national (WNA) living in Bali or Jakarta, or someone already “on the road,” SafetyWing is the most flexible and reliable option.
Why We Recommend SafetyWing:
- No KITAS Required: You don’t need a KITAS to purchase.
- Buy Anytime, From Anywhere: Even if you’ve already left your home country, you can purchase SafetyWing.
- Schengen Ready: You get a specific “Visa Letter” PDF instantly after purchase—critical for visa applications.
- Pro Tip: When purchasing for a visa, ensure you select the $0 deductible option to guarantee it’s accepted by VFS Global.
Pricing:
SafetyWing offers a great value, particularly for long-term travelers or those visiting multiple countries. The cost is often lower than other plans, making it ideal for digital nomads, backpackers, or expats.
👉 Get your SafetyWing Visa Insurance here: SafetyWing Travel Insurance
3. Local Alternatives: Sinar Mas & Zurich
While SafetyWing is our top recommendation, we also recognize that some travelers, especially those from Indonesia (WNI), may prefer local options. Here are two local providers worth considering:
Sinar Mas (Simas Travel)
- Best For: Budget-conscious WNI travelers.
- Schengen Plan: Choose Plan D or Plan E to meet the €30,000 requirement.
- Pros: Very high acceptance rate at Dutch and French embassies in Jakarta.
- Direct Link: Sinar Mas Travel Portal
Zurich Indonesia
- Best For: Travelers who want comprehensive coverage and easy digital claims.
- Schengen Plan: International Premiere.
- Pros: Excellent customer service and a policy certificate that VFS officers appreciate.
- Direct Link: Zurich Travel Insurance
4. Comparison Table: Why SafetyWing Stands Out
| Feature | SafetyWing | Sinar Mas (Simas Travel) | Zurich Indonesia |
|---|---|---|---|
| Best For | Expats / WNA / Long-term | WNI / Short-term | WNI / Mid‑ to Premium Coverage |
| KITAS Required? | No | Yes (for WNA) | Yes (for WNA) |
| Schengen Ready? | Yes ($0 deductible option) | Yes (Plan D/E) | Yes (Premiere Plan) |
| Price | Competitive Monthly Rate | Cheapest for 1‑week trips | Mid‑range |
| Where to Buy | Online via SafetyWing link | Sinar Mas Insurance Portal | Zurich Indonesia Portal |
5. Other Popular Destinations & Their Insurance Rules
When traveling to countries beyond the Schengen area, it’s essential to check their specific insurance requirements:
Australia
- Many visas (e.g., 482, 485) require Overseas Visitor Health Cover (OVHC).
- SafetyWing is accepted for tourist visas, but work and long‑stay visas may need specific Australian policies.
USA
- Medical costs in the US are astronomical.
- SafetyWing is highly recommended for the USA, with coverage well over the minimum required (at least $100,000 USD).
South Korea
- Insurance must meet the $30,000 USD coverage for emergency medical and repatriation.
- SafetyWing meets this requirement.
Japan
- The minimum required coverage for medical expenses is ¥3,000,000 (approx. $22,000 USD).
- SafetyWing is a solid choice, provided it offers the required medical coverage.
Russia
- Russian visa regulations require €30,000 (approx. $33,000 USD) in coverage.
- SafetyWing is generally acceptable if it meets these conditions (always double-check before applying).
6. Get Personal Handling for Your Insurance
Choosing the wrong insurance plan can result in visa rejection and non-refundable flight costs. Let us simplify the process for you.
Why Book Through Flado Visa Agency?
- We ensure your policy meets embassy-specific requirements.
- We handle paperwork for KITAS/KITAP holders.
- We often secure better rates or promotional packages not available publicly.
Contact our Insurance Specialist:
- WhatsApp: +6281239134485
- Email: visa@flado.id
- Office: Visit us in Bali and Jakarta for a consultation.
Ready to apply for your Schengen Visa?
👉 Apply for your Schengen Visa with Flado: Flado Schengen Visa Application in Indonesia
👉 Learn the Schengen Visa Requirements: Flado Schengen Visa Requirements in Bali and Jakarta
Don’t risk your visa approval—get the right travel insurance today with SafetyWing!