# Azerbaijan Visa Medical Insurance Rule for Indian Applicants > When an Indian applicant needs a medical insurance certificate for Azerbaijan: Embassy sticker visas versus the ASAN e-visa, the host exception, and what the rule does not specify. _Published: 2026-11-04 · Reading time: 5 min · Words: 1143_ ## TL;DR Azerbaijan's Foreign Ministry lists a copy of a medical insurance certificate among the documents for an Embassy (sticker) visa, unless the host undertakes to pay for medical services. The ASAN e-visa conditions do not list insurance, and no minimum cover or approved insurer is published for either route. ## Key takeaways - Embassy visas: a copy of a medical insurance certificate is required if the host does not undertake to pay for medical services. - ASAN e-visa: the published conditions do not list medical insurance; the standard e-visa costs USD 20 plus a USD 9 service fee. - No minimum sum insured or approved insurer list is published for Azerbaijan visas. - Embassy files are submitted in person at the Consular Section in Vasant Vihar, New Delhi, on Tuesdays and Fridays. - Work permits and study residence permits need a certificate that you are not a carrier of HIV, hepatitis B or hepatitis C, which is separate from insurance. **It depends on the visa. According to Azerbaijan's Ministry of Foreign Affairs, an Embassy (sticker) visa file must include a copy of a medical insurance certificate unless your host undertakes to pay for medical services. The ASAN e-visa conditions on the official portal do not list medical insurance, and no minimum cover is published.** ## Article This explainer uses the Ministry of Foreign Affairs (MFA) document list, the Embassy of Azerbaijan in New Delhi pages and the ASAN Visa conditions, as published on the official sources, checked on 2026-10-15. For the broader choice between the e-visa and an Embassy visa, see our Azerbaijan visa guide for Indians. ### Which Azerbaijan visas ask for a medical insurance certificate? Azerbaijan runs two separate systems. The ASAN Visa portal issues e-visas, and the Embassy in New Delhi issues sticker visas. Only the Embassy's document list mentions insurance. VisaState feeMedical insurance in the official list?Standard e-visa (ASAN Visa)$20, plus USD 9 service feeNot among the published e-visa conditionsUrgent e-visa (ASAN Visa)$60Not among the published e-visa conditionsEmbassy single entry visaUSD 20Copy required unless the host pays medical costsEmbassy multiple entry visaUSD 350Copy required unless the host pays medical costsTransit visaUSD 20Same Embassy document list appliesStudent visa (science and education purpose)USD 20 single / USD 350 multipleCopy required unless the host pays medical costsThe MFA's wording is a copy of a medical insurance certificate. You submit a copy with the application, not an original policy document. Because the requirement sits on the Embassy list, it matters most for Indians who need more than the e-visa allows: a stay longer than 30 days, multiple entries, a study purpose or a work purpose. A tourist who fits within the e-visa's single entry and 30-day stay may never meet the insurance rule at all. ### When can you leave the insurance copy out? Only in one situation: when the host undertakes to pay for your medical services. The host is the inviting party, such as an Azerbaijani company, organisation or university that files your invitation. Tourism, transit, official and personal travel visas do not need an invitation application, according to the MFA list. In those cases there is usually no host making a medical-cost undertaking, so plan to include the insurance copy. For a business or study trip, ask your host whether its invitation covers medical services. If it does not say so, include your own insurance copy rather than assume. ### Does the ASAN e-visa require travel insurance? The ASAN Visa conditions recorded from the official portal set out these points, and insurance is not among them: - Passport valid at least 3 months beyond the expiry date of the e-visa - Apply at least 3 working days (standard) or 3 hours (urgent) before arrival - Upload a readable scan of the passport photo page; an unreadable scan leads to rejection - Print the e-visa and present it with the passport at the border - For stays over 15 days, the hotel or host registers you with the State Migration Service - The e-visa does not allow paid work The standard e-visa is single entry, valid 90 days, with a stay of up to 30 days, issued within 3 working days. Insurance is not a published e-visa condition, but you may still choose to travel with cover. That is a personal decision, not a visa requirement on the pages we hold. ### What does the insurance rule leave unanswered? The official Azerbaijani pages are short on detail here. They do not publish: - A minimum sum insured - A list of approved or accepted insurance companies - Whether the policy must cover the whole visa validity or only the planned stay There is a second caution. When this record was refreshed, the live Azerbaijani government sites (mfa.gov.az, newdelhi.mfa.gov.az and migration.gov.az) could not be reached, and recent facts come from web.archive.org captures of the official pages made between March and October 2026. Re-check the MFA document list before you submit. Where the rule is silent, a policy that covers your full stay in Azerbaijan, in English, is the safest copy to submit. ### Where does the insurance copy fit in an Embassy application? The MFA list for an Embassy visa is: - Application form, which can be filled on the MFA visa application portal - Passport valid at least 3 months beyond the validity of the expected visa, with copies of its main pages - Two colour photographs, 3x4 cm, matching biometric requirements - Copy of the medical insurance certificate (if the host does not undertake to pay for medical services) - Document certifying payment of the state fee - Invitation application and supporting documents, where an invitation is required Submit in person, or through a representative with notarized authorization, at the Consular Section, 41 Paschimi Marg, Vasant Vihar, New Delhi, on Tuesdays and Fridays (submission 10:00–12:00, collection 15:00–17:00). Documents are not accepted by post or courier. The Embassy says processing generally takes 5 to 10 working days, and the state fee is non-refundable if the visa is refused. ### Insurance mistakes Indian applicants should avoid - Confusing a health certificate with insurance. Work permits and study residence permits ask for a certificate that you are not a carrier of HIV, hepatitis B or hepatitis C. That is a medical test result, not insurance. - Assuming an invitation covers medical costs. Only an explicit host undertaking removes the need for the insurance copy. - Sending documents by courier. The Embassy accepts files only in person. - Applying through the Embassy for an e-visa issue. The Embassy cannot issue or change e-visas. Yatra For Fun's India office in Gurugram prepares flight reservations, hotel bookings, travel itineraries and cover letters for visa files, with packages from INR 1,000 (flight reservation) to INR 3,000 (reservation, hotel, itinerary and cover letter). WhatsApp +91 95230 91018 or talk to us. ### Frequently asked questions #### Do Indian students need medical insurance for an Azerbaijan study visa? The student visa uses the Embassy file, so a copy of a medical insurance certificate is required unless the inviting institution pays medical costs. The later temporary residence permit for study asks for a certificate that you are not a carrier of HIV, hepatitis B or hepatitis C. #### Can Indians get an Azerbaijan visa on arrival by showing insurance? No. India is not on the list of countries whose citizens get visas at Azerbaijan's international airports. Indians holding a UAE resident visa, or a Saudi, Omani, Bahraini, Qatari or Kuwaiti residence permit valid for more than 6 months, can get a visa of up to 30 days at the airport. #### Is the Azerbaijan e-visa fee refunded if the visa is refused? No. The ASAN e-visa fee is not refunded if the visa is refused. The reasons are emailed to you under Article 16 of the Migration Code, and you may re-apply for a visa at an Azerbaijani diplomatic mission. #### Does the employer's work permit application include insurance? The State Migration Service list for a work permit, filed by the employer, does not mention insurance. It includes the worker's passport copy, a notarized qualification document and a certificate that the worker is not a carrier of HIV, hepatitis B or hepatitis C. ## FAQ ### Do Indian students need medical insurance for an Azerbaijan study visa? The student visa uses the Embassy file, so a copy of a medical insurance certificate is required unless the inviting institution pays medical costs. The later temporary residence permit for study asks for a certificate that you are not a carrier of HIV, hepatitis B or hepatitis C. ### Can Indians get an Azerbaijan visa on arrival by showing insurance? No. India is not on the list of countries whose citizens get visas at Azerbaijan's international airports. Indians holding a UAE resident visa, or a Saudi, Omani, Bahraini, Qatari or Kuwaiti residence permit valid for more than 6 months, can get a visa of up to 30 days at the airport. ### Is the Azerbaijan e-visa fee refunded if the visa is refused? No. The ASAN e-visa fee is not refunded if the visa is refused. The reasons are emailed to you under Article 16 of the Migration Code, and you may re-apply for a visa at an Azerbaijani diplomatic mission. ### Does the employer's work permit application include insurance? The State Migration Service list for a work permit, filed by the employer, does not mention insurance. It includes the worker's passport copy, a notarized qualification document and a certificate that the worker is not a carrier of HIV, hepatitis B or hepatitis C. ## Sources 1. [MFA Azerbaijan - Documents required for visa issuance](https://mfa.gov.az/en/category/visa/documents-required-for-visa-issuance) — Ministry of Foreign Affairs of the Republic of Azerbaijan 2. [Embassy of Azerbaijan in India - General information about visa and how to obtain a visa at the Embassy](https://newdelhi.mfa.gov.az/en/category/general-information-about-visa-and-how-to-obtain-a-visa-at-the-embassy) — Embassy of the Republic of Azerbaijan in India 3. [ASAN Visa - Conditions for issuing electronic visas](https://evisa.gov.az/en/conditions) — State Agency for Service to Citizens and Social Innovation (ASAN)