AXA Schengen Low Cost and the Schengen visa insurance requirement
All six Article 15 requirements located in the Basic General Terms & Conditions (July 2026) and IPID, read August 31, 2026: EUR 30,000 medical cover, hospital costs, medical repatriation, repatriation of remains, all Schengen states, the selected cover period.
Where General Terms & Conditions — AXA SCHENGEN 'Basic' (EN) states each Article 15 requirement
States all requirements
All six Article 15 requirements located in the Basic General Terms & Conditions (July 2026) and IPID, read August 31, 2026: EUR 30,000 medical cover, hospital costs, medical repatriation, repatriation of remains, all Schengen states, the selected cover period.
General Terms & Conditions — AXA SCHENGEN 'Basic' (EN) · version July 2026 · checked on
| Requirement | What the policy document states | Where it says it |
|---|---|---|
| Art. 15(1) Urgent medical attention | “All reasonable and necessary expenses which arise as a result of a medical emergency involving you” | GTC p. 14, §5.1 'Medical expenses'; 'medical emergency' is defined on p. 7 as needing 'immediate medical treatment or medical attention' |
| Art. 15(1) Emergency hospital treatment | “medical practitioners' fees, hospital expenses, medical treatment, prescribed medication by a recognised medical practitioner” | GTC p. 14, §5.1 'Medical expenses', covered-costs list; the intro sentence includes 'require in-patient treatment' |
| Art. 15(1) Repatriation for medical reasons | “During your trip outside your country of residence, we will take care of your repatriation due to medical emergency” | GTC p. 15, §5.1 'Repatriation — Your Repatriation' |
| Art. 15(1) Repatriation in the event of death | “The repatriation of your mortal remains to the place of burial in your country of residence, or the burial costs in the country of death” | GTC p. 17, §5.3 'Assistance in the event of death — Repatriation and burial of your remains' |
| Art. 15(3) Valid throughout all Schengen states | “Your Basic cover is applicable in all countries within the Schengen Area at the time of the insured event” | GTC p. 25, §8.1 'Territorial coverage' |
| Art. 15(3) Entire stay · minimum €30,000 (stated: €30,000) | Duration: “Your trip may not exceed the cover period shown in the Special Conditions” Amount: “Up to €30,000” | Duration: GTC p. 25, §8.2 'Start and end of the contract' Amount: GTC p. 13, §4 'The Benefit Table', row 'Emergency Medical Expenses: Cover Basic, maximum amount', limit column |
Deductible, refunds and certificate delivery
- Excess / deductible
No excess: the Benefit Table lists 'No' in the excess column for every Basic cover (GTC p. 13, read 2026-08-31). The only stated reduction at payout: 'any bank transfer made outside the European Union will incur a charge of €20' per transfer (GTC p. 13 footnote and p. 27, §8.8) — a payment charge, not a claims deductible.
- Refund if the visa is refused
Full premium refund on visa refusal — request before cover starts, no prior claims, refusal letter with name, refusal date and consulate stamp; transaction and currency-exchange fees excluded; typically 5–10 business days after document approval.
source: axa-schengen.com/en/travel-insurance/benefits/refund-visa-refusal, checked 2026-08-31 (same cell, source and date as /refunds-if-visa-refused); confirmed in GTC p. 26, §8.6 'Refund': 'we will fully refund your premium' against 'an official document from the rightful authority confirming the refusal of your visa'
- Certificate delivery
Certificate 'generated immediately after purchase, sent by email', personalized with 'a unique number' that embassies can verify online (product page, checked 2026-08-31); the GTC define it as the document that proves 'your medical cost insurance when applying for a SCHENGEN VISA' (p. 6, 'Certificate').
- Notes
Sold as 'Low Cost' on axa-schengen.com; the policy documents carry the name 'Basic': the product page heading reads 'BASIC- Low-Cost Schengen Visa Insurance' and links the IPID and General Terms & Conditions both titled SCHENGEN BASIC 2026 (checked 2026-08-31). Companion IPID (2 pp., same check date): https://neo-bo-prod-documents.s3.eu-central-1.amazonaws.com/travel/products/0654b0e8-6d3a-41cb-8df4-6148e18a7814/0f019556-acc9-4db0-9640-5c6aaff68dde/IPID_-_SCHENGEN_BASIC_2026_EN.pdf. Insurer of record: Inter Partner Assistance S.A., Brussels, part of the AXA Group (GTC p. 11, §3.4). The EUR 30,000 maximum equals the Article 15(3) minimum exactly; the IPID states medical expenses over €30,000 'are not insured unless enhanced by taken-out top-up coverages' ('What is not insured?'). Eligibility: the country of residence 'cannot be the United Kingdom (UK) or the United States of America (USA)' (GTC p. 10, §3.3); UK/US citizens residing elsewhere are directed to the AXA site for their country of residence (p. 11). Territory also includes San Marino, Andorra, Monaco and Vatican City, and never covers the country of residence or sanctioned countries (GTC p. 25, §8.1). Single-trip contract, maximum 180 consecutive days, restricted to the cover period chosen at purchase (GTC p. 25, §8.3); the definitions add 'This does not imply that your visa automatically will be granted for the same duration' (p. 8). Coffin/funeral costs capped at EUR 750 (Benefit Table, p. 13); ceremony costs excluded (p. 17).
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Questions about AXA Schengen Low Cost
Is AXA Schengen Low Cost the same product as AXA Schengen Basic?
Yes. The product sold as Low Cost is documented as Basic: the product page heading reads 'BASIC- Low-Cost Schengen Visa Insurance' and links an IPID and General Terms & Conditions both titled SCHENGEN BASIC 2026 (axa-schengen.com, checked August 31, 2026).
Does AXA Schengen Low Cost meet the EUR 30,000 minimum of Article 15?
It states exactly EUR 30,000: the Benefit Table lists 'Up to €30,000' for emergency medical expenses (General Terms & Conditions July 2026, p. 13, read August 31, 2026). The IPID adds that expenses over €30,000 are not insured without a top-up — the cover equals the legal floor with no margin.
Can you buy AXA Schengen Low Cost if you live in the United States or the United Kingdom?
No. The conditions state the country of residence 'cannot be the United Kingdom (UK) or the United States of America (USA)' (General Terms & Conditions July 2026, p. 10, read August 31, 2026); UK or US citizens who reside elsewhere are directed to the AXA website for their country of residence (p. 11).
Does AXA Schengen Low Cost have a deductible?
The Benefit Table lists 'No' in the excess column for every Basic cover (General Terms & Conditions July 2026, p. 13, read August 31, 2026). The one stated reduction is a EUR 20 charge per bank transfer outside the European Union when a reimbursement is paid out (p. 27, §8.8).