Master prompt
Medical certificate + health insurance requirements per EU country
Schengen €30,000 minimum travel-medical (EU 810/2009 Art 15). National D-visa: Portugal SNS registration for D7, Spain private health insurance (Sanitas/ASISA/Adeslas), Italy SSN, France OFII medical + CPAM/PUMA, Netherlands TB test for Indian nationals + zorgverzekering. Medical certificate, vaccination, TB testing requirements per country.
EUSchengen insuranceMedical certificateTB testSNSSSNCPAMOFII
Build the medical + health-insurance package for [CLIENT_NAME] applying for [VISA_CLASS] in [TARGET_EU_COUNTRY]. Profile: [PROFILE]. Family: No. Duration: [STAY_DURATION].
§1 — SCHENGEN C-VISA INSURANCE (≤ 90 DAYS)
Legal anchor: Regulation EC 810/2009 (Schengen Visa Code) Article 15 + Annex II.
Minimum requirements (uniform across Schengen states):
• Coverage: €30,000
• Geographic scope: all 27 Schengen states (NOT just target country)
• Coverage period: entire intended stay PLUS one return-cushion day
• Mandatory inclusions:
(a) Emergency medical treatment
(b) Emergency hospital treatment
(c) Repatriation for medical reasons
(d) Repatriation in case of death
• Acceptable: travel insurance OR private health insurance OR employer-provided expat insurance proving the above
• NOT acceptable: ESI (Indian Employees' State Insurance), generic credit-card travel cover without medical specifics, "best-effort" inclusions
Accepted Indian providers (commonly approved by Schengen consulates):
• Tata AIG Travel Guard
• Bajaj Allianz Travel Companion
• ICICI Lombard Travel Insurance
• HDFC ERGO International Travel Insurance
• Religare Explore
• Reliance Travel Care
Some consulates publish accepted-provider lists (Germany, France, Italy historically); others accept any provider meeting the €30,000 / Schengen-wide criteria.
Documentation:
• Policy schedule (1-2 pages) showing applicant name, dates, sum insured €30,000+, area "Schengen / Worldwide", policy number
• Must specifically mention repatriation and emergency hospital treatment
• Original + 1 copy at visa interview
For No: each accompanying family member needs their OWN policy (single policy listing all is OK if each is shown).
§2 — NATIONAL D-VISA + RESIDENCE PERMIT HEALTH COVER
For [STAY_DURATION] > 90 days, the Schengen travel insurance is not sufficient. Per-country rules:
§2.1 — Portugal (SNS — Serviço Nacional de Saúde)
• At visa stage (consulate in India): travel health insurance valid for arrival + first 4 months (until SNS / utente registration)
• Upon arrival: register as utente (SNS user) at local Centro de Saúde with proof of residence (rental contract registered) + NIF + ID; receive Número de Utente
• SNS coverage: largely free at point of use for residents; small co-pays (taxas moderadoras) ~€4.50 per GP visit
• D7 / D8 applicants typically register for SNS during their first month
• Private top-up: Médis, Multicare, Tranquilidade — €30-60/month/adult for faster specialist access
§2.2 — Spain (private health insurance MANDATORY for NLV / DNV)
• Spain requires PRIVATE health insurance at visa stage for NLV (Non-Lucrative Visa) and DNV (Digital Nomad Visa):
(a) Spanish health insurance company OR EU-authorised insurer with Spanish operations
(b) FULL coverage — same scope as Sistema Nacional de Salud (Spanish public health)
(c) NO co-pays (sin copagos) — load-bearing requirement
(d) NO waiting periods (sin carencias) for the duration of the visa
(e) Sum insured: unlimited (no policy cap)
• Approved providers in Spain:
• Sanitas — "Mi Sanitas Más Familias" plan
• ASISA — "ASISA Salud Integral"
• Adeslas (SegurCaixa) — "Plan Completo"
• DKV Seguros
• Mapfre Salud
• Cost: €60-150/month/adult depending on age + region
• Lump-sum annual payment certificate required at visa filing
• After 1 year on residence: can register for Spanish Seguridad Social if working (employer-sponsored) OR continue private
• For [PROFILE] with pre-existing conditions: declare to insurer; some require medical underwriting
§2.3 — Italy (SSN — Servizio Sanitario Nazionale)
• At visa stage: Schengen-style travel insurance for arrival
• Upon arrival + residence (residenza) registration at Comune: SSN registration
(a) Mandatory enrolment for workers, family members of workers, refugees, minors
(b) Voluntary enrolment for non-workers: annual fee €387.34 (2025 — verify 2026) // 2026-05 — verify per Agenzia Entrate
(c) Receive Tessera Sanitaria — Italian health card
• Coverage: comprehensive, similar to UK NHS
• Private supplemental: UniSalute, Generali, Allianz — €20-50/month
• For [PROFILE] with pre-existing: SSN provides full cover after enrolment
§2.4 — Netherlands (zorgverzekering — MANDATORY)
• Mandatory basic health insurance (basisverzekering) under Zorgverzekeringswet for ALL residents within 4 months of registration in BRP
• Cost: ~€140-160/month/adult (2025; verify 2026) // 2026-05 — verify per Zorgverzekeringslijn
• Approved insurers (zorgverzekeraars): Zilveren Kruis, CZ, VGZ, Menzis, DSW, OZF — pick any
• Children under 18: free (covered with parent's policy)
• For No kids: register children under each parent's policy
• Zorgtoeslag (healthcare allowance) available for low-income — apply via Belastingdienst Toeslagen
• Special: TB test (TBC Onderzoeksverklaring) required for Indian nationals — see §3
• At visa stage (MVV): show coverage proof or commitment to enrol within 4 months
§2.5 — France (CPAM / PUMA — Protection Universelle Maladie)
• At visa stage: full private health insurance OR proof of CPAM enrolment for stay
• Upon arrival: OFII (Office Français de l'Immigration et de l'Intégration) medical exam within 3 months — mandatory
(a) Chest X-ray
(b) General medical exam
(c) Vaccination check
(d) Result: "Visa stamp" / "Certificat Médical"
• After OFII validation: register with CPAM for PUMA (after 3 months of stable residence)
• Carte Vitale issued ~3-6 months later
• Mutuelle (top-up insurance): €30-70/month
• For [PROFILE] with pre-existing: PUMA covers all conditions; no underwriting
§2.6 — Belgium (Mutualité / Ziekenfonds)
• Mandatory registration at a mutuality (mutualité / ziekenfonds) after Commune registration
• Choice of provider: Solidaris, MC, Partena, etc.
• Income-based contributions for self-employed; employer-paid for salaried
• At visa stage: travel insurance until enrolment
§2.7 — Austria (e-card)
• Mandatory health insurance via ÖGK (Gesundheitskasse) — employer-sponsored OR voluntary
• e-card issued on registration
• Cost: 7.65% of income (mostly employer-paid for workers); ~€460/month for voluntary self-employed
• At visa stage: cover for arrival period
§2.8 — Malta / Cyprus / Greece
• Malta: Mandatory health insurance for residence; many use Malta-public after E121/S1 for EU citizens, private for non-EU
• Cyprus: GeSY (General Healthcare System) — registration after residence; private supplemental common
• Greece: ESY (Εθνικό Σύστημα Υγείας); EFKA registration for workers; private insurance for retirees / FIP
§3 — TUBERCULOSIS (TB) TESTING
Required for Indian nationals applying for D-visa / residence permit in:
• NETHERLANDS — MANDATORY. TBC Onderzoeksverklaring (TB test) within 3 months of arrival at GGD (municipal health service). Chest X-ray; if positive findings, follow-up. Failure to test → permit can be withdrawn.
• UK / IRELAND — outside Schengen; UK has tested for years from India. Not relevant if [TARGET_EU_COUNTRY] is EU proper.
• OTHER EU MEMBER STATES — generally NOT mandatory but France OFII includes chest X-ray (covering TB screening); Germany has TB screening for visa from high-TB countries (DE excluded per file scope).
For [CLIENT_NAME] from India for Netherlands: schedule TB test within 30 days of BRP registration; GGD slots usually 1-2 weeks out.
§4 — VACCINATIONS
EU-wide: no mandatory vaccinations for entry. Country-specific recommendations:
• Italy: standard EU recommendations; nothing extra for adults from India
• France: same
• Netherlands: same; GGD may recommend Hep A/B booster
• All EU: school-age children may need updated MMR + DTP records for school enrolment — bring Indian immunisation card (translated)
For [PROFILE] flag "pregnant": discuss MMR/varicella status with OB before EU travel; no live vaccines during pregnancy.
§5 — MEDICAL CERTIFICATE AT VISA STAGE
Country-specific (most do NOT require at consulate for visitor; some do for D-visa):
• SPAIN — Certificado médico from registered medical practitioner (in India) stating: "no padece enfermedades que puedan tener repercusiones de salud pública graves de conformidad con el Reglamento Sanitario Internacional de 2005" (no diseases of international public-health concern per IHR 2005). Date within 3 months. Translated + apostilled. Cost ₹500-2,000 per family member.
• ITALY — Certificato medico for ricongiungimento familiare (family reunification) and some other categories. For lavoro subordinato visa: generally not required at consulate.
• PORTUGAL — Generally not required at consulate; AIMA may request at renewal.
• NETHERLANDS — Not required at consulate; TB test required AFTER arrival (see §3).
• FRANCE — Not required at consulate; OFII medical mandatory after arrival.
• Other countries — typically not at consulate stage.
For [PROFILE] = "Healthy": standard medical declaration covers.
For [PROFILE] with pre-existing conditions: declare on visa form honestly; provide treating physician's letter stating condition is stable and self-managed; this is NOT a refusal ground unless it implicates public health (e.g. active TB, certain epidemic conditions).
§6 — CHRONIC CONDITIONS + MEDICATIONS
For [PROFILE] including chronic conditions:
• Bring 90 days of prescription medication in original packaging
• Treating doctor's letter on letterhead listing medications + dosages + dates (apostilled for long stays)
• Generic vs brand-name: most Indian brand names are interchangeable with EU brands (atenolol, metformin, etc.); a few are not (e.g. some Ayurvedic preparations not licensed in EU)
• Controlled substances (some anti-anxiety, stimulants, opioid analgesics): require Schengen Convention Article 75 medical certificate from the issuing country's competent authority (in India: Drugs Controller General); declare at customs
• For [PROFILE] = "Pregnant": carry obstetric records; many EU countries have prenatal screening covered under public health from arrival
§7 — DOCUMENT BUNDLE for [CLIENT_NAME]
□ Travel medical insurance policy schedule (€30,000+, all Schengen)
□ Insurance commitment letter (for D-visa: agreed enrolment in target-country system within X days)
□ Medical certificate (per country — Spain mandatory; Italy family-reunif; others on request)
□ Vaccination record (children especially)
□ Treating physician's letters for any chronic conditions
□ Prescription documentation for ongoing meds
□ TB test arrangement note (Netherlands: GGD pre-booking)
□ For No: each family member's own coverage proof
End with: "DRAFT — for country-specific immigration lawyer review (Portugal AIMA-registered, Spain colegiado, Italy iscritto in albo). Verify against current member-state guidance before submission."Unlock the vault to see the full prompt