How to Buy Schengen Travel Insurance Policy Online in India?

Finally going to backpack across Europe? Then you may already know that more than 20 European countries fall under the famous free-border Schengen Region and you will have to prepare accordingly. Since one of the primary entry requirements include a valid travel health plan for Schengen, let’s cover everything you need to know about that!

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    About Schengen Travel Insurance

    Simply put, as per the Schengen agreement signed in 1985, 26 European countries agreed to unrestricted travel across their nations. These include some of the most popular tourists’ destinations in the world, such as France, Belgium, Switzerland, Greece, Germany, Holland and more.

    To visit these Schengen countries, you must have a valid Schengen Visa. To get this visa approved, you need to fulfil all the requirements set by them. One of these requirements includes having a valid Schengen Travel Insurance that provides necessary coverage as per their conditions.

    However, do remember that not all the countries in Europe are part of this agreement. Make sure to check your itinerary before buying any policy so that you are covered for all possible risks

    Is Travel Insurance for Schengen Necessary?

    Yes, Schengen travel insurance is mandatory if you want to enter their region. Be it a short stay or a long stay, you need to have a valid travel health plan to visit any of the countries falling under Schengen Territories.

    Not just this, your Europe trip insurance should have a minimum coverage of 30,000 Euros along with basic coverage as per their requirements. You must buy this before applying for your Schengen Visa. Most travellers visiting for sightseeing purposes can stay in the region for up to 90 days within a 3 month period.

    This compulsory travel document is a must for travellers that protects them from emergencies and excessive financial burdens. As most of these countries are very expensive to live in, it is obvious that the cost of living here is pretty high as well. With sky-rocketing medical costs, in case you need any hospitalisation or medical assistance then you may incur a lot of expenses here. Thanks to your insurance, you can claim reimbursement or opt for cashless hospitalisation in case of such eventualities. Similarly, if you happen to be in another emergency like passport loss or bounced bookings, you will be reimbursed for the necessary expenses as per your travel insurance policy. Other than regular plans, there are several insurers offering optional covers that can be bought to customise your benefits.

    How to Buy the Best Schengen Travel Insurance Policy Online?

    With so many travel insurance companies in India, there is no shortage of travel health insurance for Europe. However, it is important to know how to pick the plan best suited to your needs. You can easily buy Schengen travel insurance online depending on your budget and requirements by keeping the following in mind:

    • Compare: One of the best benefits of buying trip insurance online is the sheer variety available. Make sure to browse through different insurers and see who is offering the most at the same price.
    • List Your Requirements: If you have special needs such as a pre-existing disease or you are going to participate in winter sports, then buy a plan that offers coverage for these. Don’t buy a plan that doesn’t offer coverage for your most probable risks.
    • Check Online Reviews: Customer service is a key indicator of any product; if you have decided upon an insurer then make sure to read up on their customer experiences. You will know important details such as their responsiveness, time is taken to settle claims and more.
    • CSR & ICR: To know about the financial health of any insurer, make sure to check their Claim Settlement Ratio and Incurred Claim Ratio of the company. Ideally, the CSR should be as high as possible and the ICR should be between 50 and 100%. CSR is released by the insurer whereas the ICR is released by the IRDAI.
    • Claim Procedure: Make sure the insurer has a good claim settlement ratio, however more important is to note the time taken to settle the claims. The insurer should also have a dedicated customer helpline so that you can contact them from any place. 

    How to Buy Schengen Travel Insurance from

    When looking to buy policies online, you can either buy them directly from the insurer’s website or visit to get the best available plans. You can do so by following these steps:

    • Go to and click on the option of ' Insurance Products'. A drop-down menu will appear. 
    • Select ' Travel Insurance' under the section of 'Other Insurance'.
    • Fill in the destination, the dates of your trip, number of people travelling and other details in the given section
    • There will be several details such as the age of travellers, any pre-existing disorders and more
    • Provide your phone number
    • Once all the details have been provided, there will be a list of plans available
    • Once you've compared different plans and decided upon the one you want, proceed to the purchase.
    • Fill in the required information such as nationality, type of visa and other information asked.
    • Once you have filled out the form details and submitted them, you can pay for it online.
    • Once the payment is complete, you will get a confirmation message about the purchase of your policy 

    You will also get an email regarding the confirmation, along with your newly purchased policy. Once you’ve verified all the details, you’re good to go! 

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