Chapka Cap Schengen and the Schengen visa insurance requirement
Emergency hospital treatment, medical repatriation, death, territorial validity, trip-length cover and EUR 30,000 are all located in the Cap Schengen General Conditions (CGE23_080-16CJ_2312_FAV1, updated 22/12/2023, read August 31, 2026); urgent medical attention only within emergency hospitalisation — see notes.
Where General Conditions — Cap Schengen (EN) states each Article 15 requirement
States most — see notes
Emergency hospital treatment, medical repatriation, death, territorial validity, trip-length cover and EUR 30,000 are all located in the Cap Schengen General Conditions (CGE23_080-16CJ_2312_FAV1, updated 22/12/2023, read August 31, 2026); urgent medical attention only within emergency hospitalisation — see notes.
General Conditions — Cap Schengen (EN) · version Contract N°CGE23_080-16CJ_2312_FAV1 — MAJ 22/12/2023 · checked on
| Requirement | What the policy document states | Where it says it |
|---|---|---|
| Art. 15(1) Urgent medical attention | not found in the document we checked | — |
| Art. 15(1) Emergency hospital treatment | “we will reimburse your hospital medical expenses from the first euro, after payment of the excess” | GC p. 10, §7.4 'Emergency hospital medical expenses abroad' — the quoted sentence applies to insureds 'not affiliated with any insurance organisation' in their home country; benefit row: Table of Benefits p. 3 |
| Art. 15(1) Repatriation for medical reasons | “we organise and pay for your repatriation to your home or to a hospital near you” | GC p. 9, §7.1 'Repatriation or medical transport', first sentence; its condition: 'If you are ill (unexpected illness) or injured (accident) during your trip' |
| Art. 15(1) Repatriation in the event of death | “we organise the repatriation of your body to the place of the funeral in your country of residence” | GC p. 11, §7.5 'Repatriation of the body', opening 'If you die during your trip'; Table of Benefits p. 3: 'Repatriation of the body — Actual cost' and 'Funeral expenses — €1,500 per person' |
| Art. 15(3) Valid throughout all Schengen states | “The cover is available in the countries and territories of the Schengen Area as defined in Article 1” | GC p. 8, §III 'Geographical scope'; the definition 'Schengen Area' (p. 8) prints 25 country names plus a future-joiners clause — four current members are absent, see notes |
| Art. 15(3) Entire stay · minimum €30,000 (stated: €30,000) | Duration: “The validity period of the cover corresponds to the dates of the trip stated on the invoice issued” Amount: “€30,000** per person and per year” | Duration: GC p. 8, definition 'Trip'; §4.2 (p. 9) sets effect and end 'on the date stated on your Certificate of Insurance'; §4.1 and §4.3 (p. 9): maximum 3 consecutive months Amount: Table of Benefits p. 3, row 'Emergency hospital medical expenses abroad', caps column; the ** footnote caps reimbursement at 'the rates approved by the French Social Security department' |
Deductible, refunds and certificate delivery
- Excess / deductible
An excess applies: 'Excess: €80 per person and per procedure' is printed on emergency hospital medical expenses, on the EUR 1,000 motor-vehicle sub-limit and on the EUR 150 emergency dental cap (Table of Benefits p. 3, read 2026-08-31). Separately, §9.2 (p. 14) caps every refund at French Social Security reimbursement rates: 'No refund may exceed this rate.'
- Refund if the visa is refused
Chapka's two publications disagree on the fee. The Cap Schengen FAQ: premium refunded if the contract has not started, minus 'a fifteen-euro fee', proof of refusal emailed before the start date. The General Conditions: refund against the original refusal letter, 'subject to fees and penalties of €75, within 30 days of receipt of your letter', request before the effective date.
source: GC p. 9, §V 'Right of cancellation' and §VI 'Termination' (€75; request to info@chapka.fr before the Certificate of Insurance effective date), read 2026-08-31; chapkadirect.com FAQ id=14 ('a fifteen-euro fee', to info@chapka.com), re-fetched 2026-08-31 — same source and check date as /refunds-if-visa-refused
- Certificate delivery
'Receive your insurance certificate instantly!' and 'The attestation is approved by all consulates in Schengen countries' (product page, checked 2026-08-31, identical wording on two fetches). The GC hang effect and expiry on 'the date stated on your Certificate of Insurance' (§4.2, p. 9) and name the insured persons 'on the Certificate of Insurance' (p. 7).
- Notes
Risk carrier: 'RESSOURCES MUTUELLES ASSISTANCE', 'also referred to as -VYV IA-' (GC p. 8, 'We, the insurer'); distributed by Aon France 'trading under the trademark Chapka Assurances' (GC pp. 3 and 17, read 2026-08-31). Why the medical cell is empty: the phrase 'urgent medical attention' does not appear in the document; medical cover runs through 'Emergency hospital medical expenses abroad', 'Medical emergency' is defined as 'a stay of more than twenty-four (24) consecutive hours in a public or private hospital' (p. 7), the §7.4 reimbursable list names only hospital-linked costs plus emergency dental at EUR 150 (pp. 10–11), and the exclusions bar 'care or treatment not resulting from a medical emergency' (p. 12) — urgent care without such an admission is not a stated cover; whether Chapka would read it more generously is not something a document shows. Territory caveat: the printed 'Schengen Area' definition (p. 8) names 25 states; four of the 29 on the European Commission's current list (checked 2026-08-31) are absent — Bulgaria, Croatia, Romania and Spain — while the definition adds, 'in the future, any country officially joining the Area', with the list updated 'when this information notice is updated' (document version 22/12/2023). Buyers must not be Schengen residents: §II asks you to check 'You are not a resident of a country or territory of the Schengen Area' (p. 8). Insureds from the EU/EEA list in §7.4 'must carry a European Health Insurance Card' and claim from their home bodies first (p. 10). Membership 'limited to a term of 3 consecutive months' (§4.3, p. 9); cover ends on the certificate end date even if a hospitalisation runs past it (§4.2, p. 9). 'Maximum Assistance €100,000 per event' (Table p. 3). The English document itself states 'The language used for pre-contractual and contractual relations is French' (§XIV, p. 16). Standalone Table of Benefits PDF (page 3 of the same contract): https://www.chapkadirect.com/open.php?file=doc&idpro=930&type=cs&langue=en, checked 2026-08-31. No separate IPID is linked on the EN or FR product page (both checked 2026-08-31).
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Questions about Chapka Cap Schengen
Does Chapka Cap Schengen meet the EUR 30,000 minimum of Article 15?
The Table of Benefits lists '€30,000** per person and per year' for emergency hospital medical expenses (General Conditions, contract CGE23_080-16CJ_2312_FAV1, p. 3, read August 31, 2026). Two limits sit inside that figure: an excess of EUR 80 per person and per procedure, and reimbursement capped at French Social Security rates — 'No refund may exceed this rate' (p. 14).
Does Chapka Cap Schengen have a deductible?
Yes. The Table of Benefits prints 'Excess: €80 per person and per procedure' on emergency hospital medical expenses, on the EUR 1,000 motor-vehicle sub-limit and on the EUR 150 emergency dental cap (General Conditions p. 3, read August 31, 2026). By comparison, the AXA Schengen Basic table lists 'No' in its excess column for every cover (AXA General Terms & Conditions July 2026, p. 13, read August 31, 2026).
How much does Chapka keep if your Schengen visa is refused?
Chapka publishes two different figures, both read August 31, 2026: the Cap Schengen FAQ keeps 'a fifteen-euro fee' from the refund, while the General Conditions (p. 9) refund the premium 'subject to fees and penalties of €75, within 30 days of receipt of your letter'. Both require the refusal letter before the contract's start date.
Does the Cap Schengen policy name every Schengen state?
No. The printed 'Schengen Area' definition names 25 countries (General Conditions p. 8, version 22/12/2023, read August 31, 2026), while the European Commission's list counts 29 (checked the same day). Bulgaria, Croatia, Romania and Spain do not appear in the policy's list, which does add, 'in the future, any country officially joining the Area'.