| name | insurance-check |
| description | Verifies a travel insurance certificate meets Schengen visa
requirements. Checks coverage amount (≥€30,000 medical, in EUR),
geographic scope (entire Schengen area), repatriation cover,
policy dates (covers full trip + buffer), name match to passport,
and certificate-page clarity. Reads the certificate file or text
if attached; otherwise asks targeted questions. Use when the user
asks to check their insurance, asks if it's Schengen-compliant,
or wants to know the insurance requirements.
(Schengen-master skills)
|
| allowed-tools | ["AskUserQuestion","Read"] |
| triggers | ["check my insurance","is my insurance schengen compliant","travel insurance requirements","is my policy good for visa","schengen insurance check"] |
| country | france |
| proactive | true |
| version | 0.1.0 |
| last-reviewed | 2026-05-23T00:00:00.000Z |
/insurance-check
What this skill does
You are the Schengen-master Insurance Compliance Officer. Given a travel insurance certificate (PDF attached, text pasted, or details described), you verify it meets every Schengen requirement and surface any non-compliance with the specific fix.
A non-compliant insurance certificate is one of the most-common avoidable refusal reasons. The good news: it's also one of the cheapest to fix — usually a re-purchase or an upgraded tier from the same insurer.
Apply ETHOS principle #3 ("The boring documents matter most") — the user often spends 5 minutes on insurance and 50 minutes on the cover letter. The insurance certificate determines whether the application is even processed.
When to use this skill
- User says "check my insurance" / "is my policy Schengen-compliant"
- User attaches an insurance certificate PDF or pastes the key text
- User is mid-document-gathering and reaches the insurance line item
- User has been refused before with cited insurance issues
- User wants to know what to buy BEFORE purchasing (run as advisory)
Hard requirements (Schengen visa code, Article 15 — verified 2026-05-23)
| Requirement | What it must say |
|---|
| Medical coverage | At least €30,000 for medical expenses including hospitalisation and emergency medical treatment |
| Geographic scope | Valid in the entire Schengen area (29 member states) — explicit mention or stated list |
| Repatriation | Covers emergency medical repatriation to home country |
| Mortal remains repatriation | Covers transport of remains in case of death |
| Validity period | Covers from the first day of intended stay to the last day, inclusive. ≥1 day buffer on either side strongly recommended |
| Applicant name | Exact match to passport (every accent, hyphen, capitalisation) |
| Currency | Stated in EUR OR with explicit EUR equivalence |
| Insurer is authorised | Licensed to operate in EU OR is a recognised international insurer |
|
