{"id":2239,"date":"2026-06-25T09:00:00","date_gmt":"2026-06-25T09:00:00","guid":{"rendered":"https:\/\/europe-visa.eu\/?p=2239"},"modified":"2026-06-23T19:35:08","modified_gmt":"2026-06-23T19:35:08","slug":"schengen-travel-insurance-2026-guide","status":"publish","type":"post","link":"https:\/\/europe-visa.eu\/sq\/blog\/schengen-travel-insurance-2026-guide\/","title":{"rendered":"Sigurimi i Udh\u00ebtimit Schengen 2026: K\u00ebrkesat, Kostot dhe \u00c7far\u00eb Mbulohet"},"content":{"rendered":"

Sigurimi i udh\u00ebtimit n\u00eb Schengen<\/strong> n\u00ebnkupton mbulimin e detyruesh\u00ebm mjek\u00ebsor t\u00eb k\u00ebrkuar nga \u00e7do udh\u00ebtar q\u00eb hyp n\u00eb Zon\u00ebn Schengen me nj\u00eb viz\u00eb tradicionale, dhe rekomandohet me forc\u00eb p\u00ebr k\u00ebdo q\u00eb p\u00ebrdor ETIAS. Duhet t\u00eb siguroj\u00eb nj\u00eb minimum prej \u20ac30,000 p\u00ebr kostot e emergjenc\u00ebs mjek\u00ebsore dhe ripatrimit, t\u00eb mbetet i vlefsh\u00ebm n\u00eb t\u00eb 29 vendet e Schengen-it, dhe t\u00eb zgjas\u00eb p\u00ebr gjith\u00eb q\u00ebndrimin tuaj t\u00eb planifikuar.<\/p>\n

TL;DR:<\/strong> Ky lloj mbulimi kushton \u20ac15\u2013\u20ac60 p\u00ebr nj\u00eb udh\u00ebtim tipik dy javash. Duhet t\u00eb mbuloj\u00eb nj\u00eb minimum prej \u20ac30,000 shpenzimesh mjek\u00ebsore duke p\u00ebrfshir\u00eb ripatrimin. \u00cbsht\u00eb i detyruesh\u00ebm p\u00ebr k\u00ebdo q\u00eb paraqet k\u00ebrkes\u00eb p\u00ebr viz\u00ebn Schengen; p\u00ebrdoruesit e ETIAS nuk jan\u00eb t\u00eb obliguar ta mbajn\u00eb at\u00eb, edhe pse rekomandohet me forc\u00eb. Pa t\u00eb, nj\u00eb emergjenc\u00eb mjek\u00ebsore n\u00eb Evrop\u00eb mund t\u00eb kushtoj\u00eb dhjet\u00ebra mij\u00ebra euro.<\/p>\n\n\n\n\n\n\n\n\n\n
K\u00ebrkes\u00eb<\/th>\nDetaj<\/th>\n<\/tr>\n<\/thead>\n
Mbulimi minimal mjek\u00ebsor<\/td>\n\u20ac30,000<\/td>\n<\/tr>\n
I k\u00ebrkuar p\u00ebr<\/td>\nT\u00eb gjith\u00eb aplikant\u00ebt p\u00ebr viz\u00ebn Schengen<\/td>\n<\/tr>\n
Vlefshm\u00ebria<\/td>\nDuhet t\u00eb mbuloj\u00eb \u00e7do vend t\u00eb Schengen-it dhe koh\u00ebzgjatjen e plot\u00eb t\u00eb udh\u00ebtimit<\/td>\n<\/tr>\n
Kosto tipike<\/td>\n\u20ac15\u2013\u20ac60 p\u00ebr nj\u00eb udh\u00ebtim 2-jav\u00ebsh<\/td>\n<\/tr>\n
K\u00ebrkesa ETIAS<\/td>\nNuk \u00ebsht\u00eb ligj\u00ebrisht e detyrueshme, fuqimisht e rekomanduar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Pavar\u00ebsisht n\u00ebse hyni me viz\u00eb Schengen apo ETIAS, kostot e sh\u00ebndet\u00ebsis\u00eb n\u00eb Evrop\u00eb mund t\u00eb jen\u00eb t\u00eb konsiderueshme p\u00ebr udh\u00ebtar\u00ebt pa siguracion. Nj\u00eb q\u00ebndrim n\u00eb spital n\u00eb Gjermani apo Franc\u00eb kushton \u20ac500\u2013\u20ac3,000 p\u00ebr dit\u00eb; evakuimi emergjent me aj\u00ebr nga nj\u00eb zon\u00eb e larg\u00ebt mund t\u00eb kaloj\u00eb \u20ac50,000. P\u00ebr nj\u00eb p\u00ebrmbledhje gjith\u00ebp\u00ebrfshir\u00ebse t\u00eb ETIAS dhe k\u00ebrkesave t\u00eb siguracionit, shih Sigurimi i udh\u00ebtimit ETIAS 2026<\/a> dhe Sigurimi i udh\u00ebtimit ETIAS p\u00ebr Evrop\u00ebn<\/a>.<\/p>\n

Kush ka nevoj\u00eb p\u00ebr sigurim udh\u00ebtimi Schengen?<\/h2>\n
\"udh\u00ebtar
udh\u00ebtar q\u00eb merr trajtim mjek\u00ebsor n\u00eb spitalin evropian, kartela e sigurimit e dukshme<\/figcaption><\/figure>\n

K\u00ebrkesat p\u00ebr sigurim ndryshojn\u00eb n\u00eb var\u00ebsi t\u00eb m\u00ebnyr\u00ebs se si hyrni n\u00eb Zon\u00ebn Schengen:<\/p>\n

Obligatorike p\u00ebr titullar\u00ebt e viz\u00ebs tip C:<\/strong> \u00c7do udh\u00ebtar q\u00eb aplikon p\u00ebr viz\u00eb Schengen (tip C) duhet t\u00eb paraqes\u00eb prova t\u00eb sigurimit t\u00eb vlefsh\u00ebm t\u00eb udh\u00ebtimit q\u00eb mbulojn\u00eb jo m\u00eb pak se \u20ac30,000 t\u00eb shpenzimeve mjek\u00ebsore, t\u00eb vlefshme n\u00eb \u00e7do vend Schengen, duke mbuluar gjith\u00eb q\u00ebndrimin e propozuar. Pa t\u00eb, aplikimi juaj p\u00ebr viz\u00eb do t\u00eb refuzohet. Sertifikata e sigurimit duhet t\u00eb dor\u00ebzohet me aplikimin tuaj p\u00ebr viz\u00eb n\u00eb ambasad\u00ebn ose qendr\u00ebn e vizave.<\/p>\n

Jo i detyruesh\u00ebm p\u00ebr p\u00ebrdoruesit e ETIAS:<\/strong> Shtet\u00ebsit\u00eb q\u00eb p\u00ebrdorin ETIAS (UK, US, Canada, Australia, Japan, etj.) nuk jan\u00eb t\u00eb detyruara t\u00eb tregojn\u00eb sigurimin e udh\u00ebtimit n\u00eb kufirin Schengen. Megjithat\u00eb, zyrtar\u00ebt e kufirit n\u00eb disa vende e k\u00ebrkojn\u00eb at\u00eb n\u00eb m\u00ebnyr\u00eb joformale, dhe mungesa e sigurimit \u00ebsht\u00eb nj\u00eb nga faktor\u00ebt e konsideruar kur vler\u00ebsohet n\u00ebse nj\u00eb udh\u00ebtar ka mjete t\u00eb mjaftueshme p\u00ebr q\u00ebndrimin e tij. Shiko ETIAS komb\u00ebsit\u00eb e drejta<\/a>.<\/p>\n

Shtetasit e BE-s\u00eb\/EEA-s\/Zvicr\u00ebs:<\/strong> K\u00ebta udh\u00ebtar\u00eb kan\u00eb qasje n\u00eb Kart\u00ebn Evropiane t\u00eb Sigurimit t\u00eb S\u00ebndetit (EHIC) ose Kart\u00ebn Globale t\u00eb Sigurimit t\u00eb S\u00ebndetit (GHIC p\u00ebr shtetasit britanik\u00eb), e cila siguron qasje n\u00eb sh\u00ebrbimin sh\u00ebndet\u00ebsor t\u00eb ofruar nga shteti n\u00eb shumic\u00ebn e vendeve Schengen me kosto t\u00eb reduktuar. Megjithat\u00eb, EHIC\/GHIC nuk mbulon trajtimin privat, ripatriimin, anulimin ose vjedhjen \u2014 \u00ebsht\u00eb ende e vlefshme t\u00eb blesh mbulim privat p\u00ebrve\u00e7 tij. Shiko emergjenca mjek\u00ebsore n\u00eb Schengen me EHIC\/GHIC dhe sigurimin<\/a>.<\/p>\n\n\n\n\n\n\n\n\n
Lloji i Udh\u00ebtarit<\/th>\nA \u00ebsht\u00eb sigurimi detyruese?<\/th>\nEHIC\/GHIC n\u00eb dispozicion?<\/th>\n<\/tr>\n<\/thead>\n
Aplikanti p\u00ebr viz\u00ebn Schengen<\/td>\nPo \u2014 ambasada e k\u00ebrkon at\u00eb<\/td>\nJo<\/td>\n<\/tr>\n
Udh\u00ebtari ETIAS<\/td>\nJo (rekomandohet)<\/td>\nJo (vet\u00ebm komb\u00ebsit\u00eb ETIAS)<\/td>\n<\/tr>\n
Shtetas i BE\/EEA\/Zvicr\u00ebs<\/td>\nJo (EHIC mbulon bazat)<\/td>\nPo<\/td>\n<\/tr>\n
Shtetas britanik (zotues i GHIC)<\/td>\nJo (GHIC mbulon bazat)<\/td>\nGHIC (versioni britanik)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

K\u00ebshill\u00eb profesionale:<\/strong> Edhe n\u00ebse zot\u00ebroni nj\u00eb GHIC, blidhni sigurimin shtes\u00eb privat t\u00eb udh\u00ebtimit. GHIC-i mbulon vet\u00ebm trajtimin n\u00eb spitalin shtet\u00ebror me normat lokale \u2014 nuk paguan p\u00ebr klinika private (shpesh e vetmja opsion n\u00eb qytete m\u00eb t\u00eb vogla), shp\u00ebtimin me helikopter nga Alpet, ose fluturimet e ripatriimit p\u00ebr n\u00eb sht\u00ebpi. Nj\u00eb k\u00ebmb\u00eb e thyer n\u00eb nj\u00eb resort ski Schengen mund t\u00eb rezultoj\u00eb n\u00eb nj\u00eb fatur\u00eb klinike private t\u00eb \u20ac15,000\u2013\u20ac30,000 q\u00eb GHIC-i nuk do t\u00eb mbuloj\u00eb.<\/p>\n<\/blockquote>\n

\u00c7far\u00eb Duhet t\u00eb Mbuloj\u00eb Sigurimi i Udh\u00ebtimit Schengen<\/h2>\n
\"dokument
dokument polise sigurimi, kalkulator dhe stetoskop n\u00eb tavolin\u00eb<\/figcaption><\/figure>\n

P\u00ebr t\u00eb plot\u00ebsuar k\u00ebrkesat e nj\u00eb zyre vizash Schengen, polisa juaj duhet t\u00eb plot\u00ebsoj\u00eb k\u00ebrkesat minimale t\u00eb m\u00ebposhtme si\u00e7 p\u00ebrcaktohen nga Konventa Schengen dhe Rregullorja (EC) Nr. 810\/2009:<\/p>\n

    \n
  1. Mbulim minimal mjek\u00ebsor i \u20ac30,000.<\/strong> Duhet t\u00eb mbuloj\u00eb trajtimin mjek\u00ebsor t\u00eb emergjenc\u00ebs, spitalizimin dhe kirurgjin\u00eb deri n\u00eb at\u00eb prag prej \u20ac30,000. Shum\u00eb oficer\u00eb vizash rekomandojn\u00eb \u20ac60,000 p\u00ebr nj\u00eb marzh\u00eb sigurimi shtes\u00eb, pasi nj\u00eb operacion shp\u00ebtimi n\u00eb helikopter ose q\u00ebndrim n\u00eb ICU mund t\u00eb tejkaloj\u00eb \u20ac30,000.<\/li>\n
  2. Rikthim mjek\u00ebsor.<\/strong> Duhet gjithashtu t\u00eb mbuloj\u00eb kostot e rikthimit t\u00eb emergjenc\u00ebs n\u00eb vendin tuaj t\u00eb origjin\u00ebs, p\u00ebrfshir\u00eb nj\u00eb shoqerues mjek\u00ebsor n\u00ebse k\u00ebrkohet. Ky \u00ebsht\u00eb nj\u00eb nga elementet m\u00eb t\u00eb shtrenjta t\u00eb emergjencave n\u00eb udh\u00ebtime \u2014 politikat e mbulimit e paguajn\u00eb at\u00eb; udh\u00ebtar\u00ebt pa sigurimin p\u00ebrballen me fatura t\u00eb \u20ac20,000\u2013\u20ac100,000.<\/li>\n
  3. Vlefshm\u00ebri n\u00eb \u00e7do shtet t\u00eb Schengen.<\/strong> Sertifikata duhet t\u00eb deklaroj\u00eb n\u00eb m\u00ebnyr\u00eb eksplicite se mbulim t\u00eb gjith\u00eb vendet an\u00ebtare t\u00eb Schengen. Politikat q\u00eb em\u00ebrojn\u00eb vende t\u00eb caktuara ose p\u00ebrjashtojn\u00eb territoriumet e caktuara nuk pranohen.<\/li>\n
  4. Mbulim p\u00ebr t\u00eb gjith\u00eb koh\u00ebzgjatjen e q\u00ebndrimit.<\/strong> Sigurimi duhet t\u00eb jet\u00eb i vlefsh\u00ebm nga data e hyrjes tuaj deri n\u00eb dat\u00ebn e daljes tuaj. Nj\u00eb politik\u00eb q\u00eb p\u00ebrfundon 2 dit\u00eb p\u00ebrpara nisjes tuaj t\u00eb planifikuar nuk do t\u00eb pranohet.<\/li>\n
  5. Formati i sertifikat\u00ebs.<\/strong> Sigurimi duhet t\u00eb siguroj nj\u00eb sertifikat\u00eb (jo vet\u00ebm nj\u00eb dokument me formulimin e politik\u00ebs) q\u00eb tregon emrin tuaj, datet e mbulimit, shum\u00ebn e siguruar, dhe konfirmim se ai mbulon t\u00eb gjitha shtetet Schengen. Sertifikatat dixhitale tani pranohen gjer\u00ebsisht.<\/li>\n<\/ol>\n

    Mbulimi shtes\u00eb q\u00eb, megjith\u00ebse nuk \u00ebsht\u00eb i detyruesh\u00ebm, p\u00ebrmir\u00ebson ndjesh\u00ebm vler\u00ebn e nj\u00eb politike Schengen p\u00ebrfshin: anulimin\/shkurtimin e udh\u00ebtimit, bagazhin dhe efektet personale, p\u00ebrgjegj\u00ebsin\u00eb personale, shpenzimet ligjore, dhe mbulimin e nisjes t\u00eb humbur.<\/p>\n

    Sa kushton Sigurimi i Udh\u00ebtimit Schengen?<\/h2>\n
    \"grafik
    grafik krahasimi i \u00e7mimeve n\u00eb telefon, kuotimet e sigurimit t\u00eb udh\u00ebtimit t\u00eb dukshme<\/figcaption><\/figure>\n

    Ky siguracion \u00ebsht\u00eb p\u00ebrgjith\u00ebsisht i arritsh\u00ebm n\u00eb raport me mbrojtjen q\u00eb ofron. \u00c7mimet ndryshojn\u00eb n\u00eb var\u00ebsi t\u00eb mosh\u00ebs, destinacionit, koh\u00ebzgjatjes s\u00eb udh\u00ebtimit dhe nivelit t\u00eb mbulimit.<\/p>\n

    Kostot tipike p\u00ebr nj\u00eb t\u00eb rritur t\u00eb sh\u00ebndosh\u00eb (30\u201350 vje\u00e7):<\/strong><\/p>\n