Heymondo (Schengen) and the Schengen visa insurance requirement
Read August 31, 2026: the IRIS GLOBAL General Conditions state medical, hospital, repatriation and mortal-remains cover and require policy dates to coincide with the trip; the medical sum insured and the covered territory sit in the per-policy Particular Conditions.
Where General Conditions of the Travel Assistance Contract - HEYMONDO states each Article 15 requirement
States most — see notes
Read August 31, 2026: the IRIS GLOBAL General Conditions state medical, hospital, repatriation and mortal-remains cover and require policy dates to coincide with the trip; the medical sum insured and the covered territory sit in the per-policy Particular Conditions.
General Conditions of the Travel Assistance Contract - HEYMONDO · version No version code or date printed in the document; read from the file suffixed v23 on the broker's document server (current Heymondo branding, 36 printed pages, signed for the insurer by Sergio Real Campos). An older-branded sibling file without suffix is live at the same location — one material difference, see notes. Read as published August 31, 2026. · checked on
| Requirement | What the policy document states | Where it says it |
|---|---|---|
| Art. 15(1) Urgent medical attention | “medical-surgical, pharmaceutical, hospitalization and ambulance expenses covered by the Insurance that the Insured Person needs during a trip abroad” | Section 3.A.1 'Medical, pharmaceutical or hospitalization expenses', p. 7. The exact phrase 'urgent medical attention' does not appear: the trigger is an illness or accident during the trip — 'Serious Illness' is defined as requiring 'urgent and essential assistance of medical services' (p. 4) — capped at 180 days from the accident or first diagnosis, with the insurer's prior consent required |
| Art. 15(1) Emergency hospital treatment | “hospitalization and ambulance expenses covered by the Insurance that the Insured Person needs during a trip abroad” | Same clause, Section 3.A.1 (p. 7) — the document carries one combined expenses clause rather than a separate hospital guarantee. 'Hospitalizatión' is defined as a justified hospital stay of at least 24 hours (p. 5), and Section 3.A.3 (p. 8) adds payment of the deposit a hospital demands for admission |
| Art. 15(1) Repatriation for medical reasons | “liable for the transfer or repatriation of the Insured Person to a properly equipped medical facility or to the latter's usual place of residence” | Section 3.A.6 'Sanitary transfer or medical repatriation', p. 8; necessity is decided between the insurer's medical team and the attending physician on the 'urgency or seriousness of the condition'. Refusing the transfer set by the medical service suspends all coverage (Section 4(b), p. 24) |
| Art. 15(1) Repatriation in the event of death | “the insurance provider shall take care of the procedures and expenses necessary for the transfer or repatriation of the mortal remains” | Section 3.A.13 'Transfer of repatriation of mortal remains', p. 10, triggered 'If during a trip under coverage, the death of an Insured Person occurs'; burial, cremation, funeral and casket expenses are excluded from its aim |
| Art. 15(3) Valid throughout all Schengen states | “The coverage of this insurance shall have effect worldwide, and are valid for different countries depending on the option specified in the Particular Conditions” | Section 5 'General rules that govern the insurance', 'Geographic scope', p. 27 (grammar as printed). Schengen is not named; the printed 'European countries' definition includes every one of the 29 Schengen states, and guarantees apply only more than 30 kilometers from the insured's usual residence — validity in all Schengen states therefore rides on the destination option in the per-policy Particular Conditions |
| Art. 15(3) Entire stay · minimum €30,000 | Duration: “the effective and expiration dates of the insurance must coincide with the start and end date of the same” | Duration: Section 7(b) 'Effect and duration of the contract', p. 28, where 'the same' is the trip; cover runs from 0 hours to 24 hours on the days set in the Particular Conditions, and a contract made once the trip has begun takes effect only 72 hours after issuance. This sentence stands in the v23 file only — the older sibling file lacks it, see notes |
Deductible, refunds and certificate delivery
- Excess / deductible
The General Conditions fix no amount: 'The amount of the possible deductible by the insured is established in the Particular Conditions.' (Section 3.A.1, p. 7), with the Deductible Amount defined as the part of a compensation 'borne by the Insured Person' (p. 5). The product page states under 'Excess / Deductible': 'Our Heymondo insurances don't have a deductible.' — while a FAQ on the same page mentions saving 'by choosing a policy with a deductible'. The binding figure per policy therefore stands in the Particular Conditions (all read August 31, 2026).
- Refund if the visa is refused
No visa-refusal clause in any document read. The website purchase conditions give consumers 'a period of 14 calendar days to abandon the contract, without having to state the reasons and without suffering any penalty, provided that no insurance claim has arisen'; reimbursement follows within a maximum of 14 calendar days 'except that part corresponding to the period during which the contract was in force up until the point of abandonment', via the online dismissal form. The General Conditions themselves contain no withdrawal or visa-refusal provision.
source: heymondo.com/contract-terms/ — same cell, source and check date (2026-08-31) as /refunds-if-visa-refused, re-read today with identical wording; GC Section 7 (p. 28) governs effect and duration only
- Certificate delivery
The General Conditions oblige an individual certificate: the insurer 'shall provide the Insurance contracting party with an individual insurance certificate for each Insured person', including an extract of the General, Particular and Special Conditions and the Information Document on Insurance Products (Section 8, p. 28). The purchase conditions state delivery by email: 'Following this you will receive an email with your policy or contract, setting out all the details that you declare in the contractual process.' Neither document promises a delivery time (both read August 31, 2026).
- Notes
Plan and parties: this row covers Heymondo's single-trip international Travel Insurance — the product the brand's own Schengen-visa guide links, which restates the EUR 30,000 minimum and the duty to match cover dates to the stay (guide read August 31, 2026) — documented by the 'General Conditions of the Travel Assistance Contract - HEYMONDO'. Brand and risk carrier are different companies: Heymondo is operated by the broker Smart Insurance Correduría de Seguros, S.L. (Tax ID B66843798, Barcelona; website conditions, read August 31, 2026), while the risk carrier is IRIS GLOBAL Soluciones de Protección Seguros y Reaseguros S.A.U., which 'assumes the contractually agreed risk, subject to Spanish Law and having its registered office in Spain' (GC Section 2, p. 3). What the public wording leaves to the per-policy Particular Conditions: the medical sum insured (Section 10, p. 29), the covered territory option (Section 5, p. 27) and any deductible (Section 3.A.1, p. 7) — the individual certificate of Section 8 (p. 28) is where those figures appear for a concrete policy, so an applicant can only evidence the EUR 30,000 floor with that certificate, not with the General Conditions. The broker's product page states 'Medical expenses up to $10,000,000 USD' (read August 31, 2026, US storefront, USD); no EUR figure and no public IPID with plan limits was found. Territory mechanics: effect is worldwide with validity per the chosen option; the printed European-countries definition names all 29 Schengen states, the word Schengen appears nowhere in the fully read sibling file, and guarantees apply only more than 30 kilometers from the insured's usual residence (p. 27). Conditions with visa relevance, all from the v23 file: policy dates must coincide with trip start and end (Section 7(b), p. 28); a contract made after departure takes effect only 72 hours after issuance (p. 28); medical expenses run at most 180 days from the accident or first diagnosis and require the insurer's prior consent (Section 3.A.1, p. 7); pre-existing or chronic conditions are covered only until stabilization (p. 7; exclusion (a), p. 11); refusing the transfer or repatriation set by the insurer's medical service automatically suspends all coverage (Section 4(b), p. 24); expenses after the trip dates conclude are excluded save the medical-expenses provision (Section 4(c), p. 24); cover ceases at age 70 unless otherwise provided (Section 6, p. 27); a medical plane may be used only within Europe or Mediterranean-bordering countries (Section 3.A.6, p. 8); aggregate per-event caps are EUR 3,000,000 for a public health emergency of international relevance and EUR 600,000 for accident (Section 10, p. 29); disputes fall under Spanish jurisdiction and 'an address in Spain must be designated for any Insured Person residing abroad' (Sections 20–21, p. 35); for the guarantees, 'Spain' reads as the insured's country of origin (definition, p. 4). Dated observation: on the read date two English files of the same document are live on the broker's document server, identical on every compared page except that the older-branded, unsuffixed file lacks the dates-must-coincide sentence of Section 7(b) and prints a different Madrid customer-service address; this row follows the v23 file. Which file a buyer receives can only be evidenced from a purchased policy pack, and we do not buy policies (verification method).
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Questions about Heymondo (Schengen)
Who is the insurer behind a Heymondo policy?
IRIS GLOBAL Soluciones de Protección Seguros y Reaseguros S.A.U., named in the General Conditions as the insurance provider that 'assumes the contractually agreed risk, subject to Spanish Law and having its registered office in Spain' (Section 2, p. 3). Heymondo is the brand of the broker Smart Insurance Correduría de Seguros, S.L., Tax ID B66843798 (website conditions; both read August 31, 2026).
Does the Heymondo policy document state the EUR 30,000 minimum of Article 15?
No figure appears in the General Conditions: Section 10 (p. 29) leaves maximum limits to 'those stated in the Particular Conditions'. The broker's product page states 'Medical expenses up to $10,000,000 USD' (read August 31, 2026), so the number an embassy can check stands on the individual certificate issued under Section 8, not in the public wording.
Is a Heymondo policy valid in every Schengen state?
The General Conditions state effect 'worldwide' with validity 'depending on the option specified in the Particular Conditions' (p. 27). The printed European-countries definition names all 29 Schengen states, but the word Schengen appears nowhere in the document, and guarantees apply only more than 30 kilometers from the insured's usual residence (read August 31, 2026).
Does Heymondo cover the whole duration of the stay?
The v23 General Conditions require it structurally: 'the effective and expiration dates of the insurance must coincide with the start and end date' of the trip (Section 7(b), p. 28). A policy bought once the trip has begun takes effect only 72 hours after issuance (read August 31, 2026).