Cap Schengen: Schengen visa insurance for travelers up to 85, with €30,000 hospital coverage
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P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 15, 2026What does Cap Schengen cover, and who is it for?
Cap Schengen is a Schengen visa insurance plan sold by the French broker Chapka. It pays emergency hospital treatment in the Schengen Area up to €30,000 per person per year, the exact amount the Schengen visa code requires, adds repatriation at actual cost, and issues the certificate consulates ask for as soon as you subscribe. Updated September 2026.
We read the full policy wording (contract CGE23_080-16CJ_2312_FAV1, general conditions dated 22 December 2023, plus the product information document) and tested the plan in our own comparison. Its standout strength is age: Cap Schengen quoted travelers up to 85 in our tests, and from age 76 it was the only Schengen plan we compare that still returned a price. For a parent or grandparent visiting Europe, it is the plan that keeps the door open.
What we checked | Where it lands |
|---|---|
Emergency hospital expenses The number a consulate looks for | €30,000 per person, per year |
Repatriation and medical transport Getting you home | Actual cost |
Maximum age accepted Measured in our own comparison | 85, the highest on our Schengen comparison |
Certificate for your visa file | Issued as soon as you subscribe |
Length of stay | Up to 90 days |
Excess Your share of each medical claim | €80 per person, per procedure |
Price, 14 days in France | €46 at 34, €48 at 78 |
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. HelloSafe is an ORIAS-registered insurance broker (number 21008038), supervised by the ACPR, the French authority that oversees insurers and brokers. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated.
Learn moreWhat does Cap Schengen pay for in detail?
Cap Schengen is built around the expensive emergencies a visa policy exists for. The general conditions define a medical emergency as a stay of more than twenty-four consecutive hours in a public or private hospital, for treatment that is not scheduled and cannot be postponed. Inside that guarantee, the plan pays hospital medical expenses, medicines prescribed by the hospital doctor or surgeon, an ambulance to the nearest hospital when your own health scheme does not pay for it, the hospital stay for as long as the assistance doctors judge you unfit to travel, and emergency dental treatment up to €150.
Reimbursement is calculated on French social security tariffs across the Schengen Area. If you have no health scheme, the plan pays from the first euro; if you have one, it pays what your scheme does not. An excess of €80 per person per procedure applies, so a €400 emergency admission returns €320.
Guarantee | Limit in the contract | Your excess |
|---|---|---|
Emergency hospital expenses abroad Stay of more than 24 consecutive hours | €30,000 per person, per year | €80 per procedure |
Emergency hospital expenses after a motorized leisure accident Quad, jet ski, scooter, microlight | €1,000 per person, per year | €80 per procedure |
Emergency dental treatment | €150 | €80 per procedure |
Repatriation or medical transport | Actual cost | None stated |
Repatriation of traveling companions | One ticket, return leg | None stated |
Visit by a close relative if you are hospitalized more than 10 days | Return ticket plus €100 a night, 10 nights maximum | None stated |
Advance of hospital costs | Yes, on conditions set with the assistance team | None stated |
Repatriation of the body | Actual cost | None stated |
Funeral expenses | €1,500 per person | None stated |
Legal assistance abroad | €1,000 bail advance plus €1,000 legal fees | None stated |
Overall assistance limit | €100,000 per event | None stated |
Cap Schengen is a visa medical and assistance policy, focused on hospital stays of more than 24 hours and repatriation. It does not include trip cancellation, baggage, personal liability or routine doctor visits, and pregnancy and childbirth are not part of it. If you also want cancellation cover, compare the plans that include it in our comparison.
Which travelers does Cap Schengen insure?
This is where Cap Schengen stands out. We ran the same 14-day trip through the HelloSafe comparison at every age from 5 to 90 on 11 September 2026. Cap Schengen returned a price up to and including age 85. From age 76 upward, it was the only Schengen plan we compare that returned a price at all.
Age of the traveler | Cap Schengen, 14 days in France | Good to know |
|---|---|---|
Up to 63 | €46 | Children are priced as adults |
64 to 80 | €48 | Only €2 more than a younger traveler |
81 to 85 | €96 | The plan still quotes, where other plans we compare stop at 75 or earlier |
A grandparent flying in for a family celebration is the classic case. At 78 the plan costs €48 for two weeks, two euros more than a thirty-year-old pays, which is remarkable pricing for that age band. For a traveler in their eighties, ask Chapka to confirm eligibility in writing when you subscribe and keep the reply with the policy documents.
Where in Europe does Cap Schengen cover you?
Cap Schengen covers the countries of the Schengen Area as listed in the policy, including France, Germany, Italy, Spain, Portugal, Greece, the Netherlands and the other long-standing members. If your trip is to Croatia, Bulgaria or Romania, ask Chapka to confirm the cover for that country before you subscribe. Our Schengen visa document checklist explains what a consulate expects to see in your file.
Which activities does Cap Schengen cover?
Cap Schengen works from a clear list of covered leisure and sports activities, which makes it easy to check before you leave. Good news for a winter visa trip: piste skiing and snowboarding, cross-country skiing, monoskiing on piste, snowshoeing and recreational sledding are all named, so an accident on the slopes is handled as an emergency hospitalization under the €30,000 ceiling.
- Named and covered without conditions: Piste skiing and snowboarding, cross-country skiing, hiking, running, swimming, cycling and mountain biking excluding downhill, tennis, golf, football, paddle, padel, ice skating, snowshoeing, bowling, table tennis and around fifty more.
- Covered with a qualified professional: Scuba diving to 20 meters, kitesurfing, water skiing, horse trekking, archery, via ferrata, parascending, sandboarding, deep sea fishing, paintball with eye protection, ballooning and gliding as a passenger.
- Snorkeling: Diving with mask and snorkel is covered outright, useful for a Mediterranean or Greek island trip.
- Good to know: activities not on the list
Off-piste skiing, scuba below 20 meters and downhill mountain biking are not covered. If your plans include an unlisted activity, call the assistance team first. - Good to know: competitions and professional sport
The plan covers leisure practice, not races, matches or sport practiced professionally. - Good to know: motorized leisure
Hospital costs after a quad, jet ski, scooter excursion or microlight accident are covered up to €1,000 per person per year. - Good to know: liability waivers
Keep the organizer's responsibility intact: signing a discharge form cancels the guarantee for that activity.
How do you get care paid for abroad?
- Call the 24/7 assistance line on 00 33 5 18 27 01 33 before you spend anything, or have the hospital or a companion call for you.
- Do it within 48 hours of the event, so the team can take charge of your case.
- Write down the assistance file number you are given on that first call, and quote it every time you make contact afterwards.
- Send the medical information the assistance doctors ask for within 12 hours of the request.
- Keep every original invoice. Reimbursement is made against originals, sent to the claims department in La Rochelle.
In some cases the assistance team can advance hospital costs directly to the hospital. The conditions, including a financial guarantee and a claim to your own health insurer within 15 days, are explained to you on the call, so ask about it when you first get in touch.
How does the visa refusal refund work?
If your visa application is refused, the premium is refunded within 30 days of receiving your letter, minus €75 of fees. The refund is most useful on longer stays and older-traveler policies, where the premium is €96 or more. Three steps apply.
- Send the request before the start date on your certificate
The date the registered letter is sent is what counts, so act as soon as you receive the decision. - Attach the original official refusal letter
The letter must cover the insured period. - Send it to the broker
By email to Chapka, or by registered letter to Aon France, 31-35 rue de la Fédération, 75015 Paris.
Worth knowing before you apply: a refusal is not always final, and the reason given on the form decides whether an appeal is realistic. Our guide to Schengen visa refusal reasons sets out which grounds are commonly overturned.
How much does Cap Schengen cost for your trip?
For a traveler of 34 resident in India heading to France, we captured €32 for a week, €46 for two weeks, €82 for a month and €96 for the full 90 days the plan allows on 11 September 2026. Length moves the price gently: going from 30 to 90 days adds only €14, which makes Cap Schengen good value for a long visit.
Who is traveling | Cap Schengen, 14 days | Good to know |
|---|---|---|
Solo visitor, 34 Standard tourist visa file | €46 | Same €30,000 hospital ceiling the consulate asks for |
Student, 22 Short study or language stay | €46 | Flat premium up to 63 |
Couple, 66 and 68 Retired visitors | €96 | €48 per person |
Traveler, 78 Visiting family in Europe | €48 | The only plan we compare that quotes at this age |
Traveler, 85 The oldest age quoted | €96 | The only plan we compare that quotes at this age |
Family of four Two adults, children of 9 and 6 | €184 | €46 per person, children priced as adults |
Your own price depends on your dates and ages, so run the comparison below to see Cap Schengen next to the other Schengen plans. Our Go Schengen review and Schengen Start review follow the same contract read.
Who sells this policy, who insures it and who answers the phone?
Role | Company | What it means for you |
|---|---|---|
Insurer Provides the guarantees | Ressources Mutuelles Assistance (RMA) SIREN 444 269 682, Vertou, France | The assistance union that pays your hospital bill. |
Assistance and claims Answers the phone and organizes everything | VYV International Assistance 3 Passage de la Corvette, 17000 La Rochelle | Runs the 24/7 line, agrees treatment and handles reimbursements. |
Broker and distributor Sells you the policy | Chapka Assurances, trading name of Aon France ORIAS number 07 001 560, Paris | Issues the certificate and handles the visa refusal refund. |
Supervisor | ACPR, France's prudential supervision and resolution authority | The French regulator that licenses and monitors the insurer. |
In practice you deal with one number and one address. The assistance line is 00 33 5 18 27 01 33, reachable 24 hours a day, and the claims email is ops@vyv-ia.com. Complaints go first to the mediation department in La Rochelle, then to the Médiateur de la Mutualité Française. The contract is governed by French law.
Is Cap Schengen the right plan for your trip?
Cap Schengen gives every applicant the €30,000 hospital ceiling and repatriation the consulate asks for, and it is the plan that keeps quoting when the traveler is older. Check the Schengen visa requirements for your nationality, then compare the plans on your real dates below.
Our verdict: the Schengen visa plan for older travelers
Cap Schengen does what a visa file needs: €30,000 of emergency hospital coverage, repatriation at actual cost, a 24/7 assistance line and a certificate issued the moment you subscribe. Its decisive strength is age. It quoted travelers up to 85 in our tests, and from 76 it was the only Schengen plan we compare that still did, at €48 for two weeks up to age 80.
If you are insuring a parent or grandparent visiting Europe, it is the plan to choose, and the gentle price curve on long stays makes it good value for a visit of up to 90 days.
Enter your dates and ages below to see your Cap Schengen price and get your certificate.
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Real quotes captured on 11 September 2026 on hellosafe.com: 1 traveler aged 34, 14 days in France (10 to 24 November 2026), residence India, no cancellation option, in euros. Schengen visa insurance is sold and paid in euros, so every plan here is priced in euros. Cap Schengen charges the same premium per person at any age up to 63, then €48 from 64 to 80 and €96 from 81 to 85; the other plans on this shelf stop at 75, 69 or 59.
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Cap Schengen: certificate, age limit, price and claims
Yes. The plan pays emergency hospital expenses up to €30,000 per person per year and includes repatriation at actual cost, which matches the minimum medical coverage and the repatriation requirement set by the visa code. The certificate is issued as soon as you subscribe and can be attached directly to your application file.
It names the insurer, the insured period, the €30,000 ceiling and the Schengen Area scope, which is what consular officers check.
Yes. In our tests on 11 September 2026 the plan quoted every age up to 85, and from 76 upward it was the only Schengen plan we compare that returned a price. At 78, two weeks in France cost €48. For a traveler in their eighties, ask Chapka to confirm eligibility in writing when you subscribe.
It is your share of each medical claim: €80 per person and per procedure, deducted from reimbursements of emergency hospital expenses and emergency dental treatment.
Cap Schengen is built for hospital stays of more than 24 consecutive hours and repatriation. Medicines are reimbursed when a hospital doctor or surgeon prescribes them during that stay. Ordinary consultations and pharmacy purchases outside a hospital admission are not part of it.
Yes. Piste skiing and snowboarding, cross-country skiing, monoskiing on piste and snowshoeing appear on the list of covered activities, so a skiing accident is handled as an emergency hospitalization under the €30,000 ceiling. Off-piste skiing is not on the list.
Conditions that existed before you took out the policy are not covered; new illnesses and accidents during the trip are. If you live with a long-term condition, ask Chapka to confirm your situation before you subscribe.
The premium is refunded within 30 days, minus €75 of fees. Send the request before the start date shown on your certificate, by registered letter or email to Chapka, with the original official refusal letter for the insured period.
Up to three consecutive months. Our comparison priced trips up to 90 days, at €96 for the full 90 days for a traveler of 34. Take the policy out before you leave.
Cap Schengen is built for visitors traveling into the Schengen Area on a short-stay visa, so residents of a Schengen country should choose another plan.
Cap Schengen is a medical and assistance contract focused on what the visa requires. If you also want your flights and accommodation protected, you can compare travel insurance with cancellation included.
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