If the application is rejected the applicant has to claim any refund to the Insurance Company. The Embassy has no responsibilty for any such refund.
Applicants are asked to show the original policy of their travel medical insurance and submit a copy of the policy with their application. See relevant checklist of documentation to be submitted.
Please note that the insurance must be valid for the whole period of the visa’s validity + 15 days of grace (up to one year), be valid for all countries in the Schengen area and cover medical expenses of at least 30,000 Euro, as well as repatriation.
For visas valid for more than one year, the applicant has to sign an additional document stating that he/she will keep a valid travel insurance with the above mentioned conditions at any travel in Schengen in the period of the validity of the visa issued.