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Travel insurance for Schengen Visa from India
From Amsterdam to Italy, everyone has their bucket list for Europe trips. Europe promises an exciting experience, but things can go wrong anywhere. In between fun and exploration, if there's an emergency, they can be costly and challenging. Travel insurance for Schengen countries ensures that many such emergencies don't drain your finances. Travel insurance for Schengen is region-specific & protects you from medical and other financial emergencies throughout the Schengen zone. Schengen travel insurance covers hospitalisation, personal liability, repatriation, passport & baggage loss, flight delay, etc.
What is Travel Insurance for Schengen visa?
Schengen travel insurance or Europe travel insurance is a policy necessary for visiting Europe's Schengen region. It is also mandatory for all non-EU visitors to Schengen countries. These countries allow entry once you meet all the requirements they set for the Schengen visa. Travel health insurance for Schengen is valid for the whole region, whether you visit one or more countries in this zone. Europe travel insurance from India protects you from financial emergencies including medical care, personal liability, evacuation, personal accident, baggage loss, etc.
Schengen Zone: A Quick Rundown
Take a look at the table below to learn more about this plan's features:
| Categories | Specifications |
|---|---|
| Total Countries | 29 |
| Schengen Insurance Assistance | Available |
| Schengen Visa Duration (For Tourism) | 90 Days (180 at maximum) |
| Benefits of Schengen Travel Insurance | Trip Cancellation, Baggage and Passport Loss, Emergency Transportation and Treatment, Adventure Sports Cover, Trip Cancellation, etc. |
| Is Travel Insurance Mandatory | Yes, minimum 30,000 Euro Travel Insurance Required |
| COVID-19 Covered* | By Most Insurers |
| Claim Settlement | Available 24x7, Facility of Missed Call Service |
| Automatic Extensions | Provided |
| Claim Procedure | Smartphone-enabled, paperless claim settlement |
Why Schengen Travel Medical Insurance?
While travel medical insurance is necessary for a Schengen Visa, you must always prioritise your safety. You must buy as an essential step, not a mere formality. While visiting an unknown country, you can face many issues that can ruin your budget. However, there are several reasons for having Schengen travel health insurance:
Mandatory Visa Requirements
Meets mandatory travel medical insurance requirements for the Schengen Zone. Offers cashless hospitalisation in case of illness or injury-related treatments, emergency medical evacuation & repatriation.
All-rounder Coverage
Provides comprehensive coverage for trip and flight-related emergencies. It also provides personal liability coverage.
Available for Everyone
Available for individuals, families, senior citizens & corporate travellers. It is valid throughout the Schengen Zone and meets the necessary requirements.
Benefits of Travel Insurance for Schengen from India
You must consider buying the best travel insurance for Europe trip as an essential step, not a mere formality. While visiting an unknown country, you can face many contingencies that can ruin your budget. Some of the best benefits of Schengen travel health insurance include:
Meets mandatory travel medical insurance requirements
Provides comprehensive coverage for trip and flight-related emergencies
Offers cashless hospitalisation in case of illness or injury-related treatments
Provides personal liability
Emergency services like medical evacuation & repatriation
Types of Schengen Travel Insurance
You can buy travel medical insurance for Schengen visa depending on how many times you can enter the area. You will be either allowed single entry, two entry or multi-entry depending on your visa. You can choose from two types of travel Schengen travel medical insurance:
Single Trip Schengen Insurance
This is for people who can only enter the Schengen area once, usually for a short stay for tourism. They can buy this policy to secure the specified time in the area.
Multi Trip Schengen Insurance
Visitors with multiple-entry Schengen visas can opt for this type of travel insurance. Business persons, frequent flyers etc., can buy multi-trip travel insurance for Schengen countries, saving them the hassle of buying a policy again and again.
Countries of the Schengen Area
Travel insurance for Europe trips offers coverage in all 29 European countries in the Schengen area. Please note that not all European countries are part of the Schengen territories. Out of 44 European countries, only these countries comprise the Schengen state.
Austria
Belgium
Bulgaria
Croatia
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Italy
Latvia
Netherlands
Norway
Poland
Portugal
Romania
Liechtenstein
Lithuania
Luxembourg
Malta
Slovakia
Slovenia
Spain
Sweden
SwitzerlandSchengen Zone: Compulsory Entry Requirements
Most non-EU nationalities, including Indians, need a visa before travelling to this zone. There is no Schengen visa on arrival available, and for tourism you must have a Uniform Schengen Visa. Having travel insurance for Europe trip will ensure your financial safety and peace of mind, but more than that it will tick off an important Schengen entry requirement. Your travel insurance for Schengen visa should meet the following requirements:
Coverage of EUR 30,000 ($50,000)
Your travel medical insurance for Schengen visa from India should have a minimum coverage of 30,000 Euros.
Extent of Coverage
It should cover any unforeseen medical emergencies, including medical illness, accidental injury and medical repatriation of remains.
Geographical Validity
Your travel health insurance Europe should be valid in all 29 member Schengen countries.
Documents Required for Schengen Travel
Travelling to Schengen requires a lot of paperwork. From planning that dreamy European itinerary to buying travel insurance plan, you need to start with preparing your documents.
Schengen Visa from India
You need to prepare the following documents for your Schengen visa:
Visa Application
Completed Schengen visa application
Photos
Recent passport-size coloured photos following the Schengen visa photo specifications
Passport
Your Indian passport with a minimum 6 months validity
Photocopies
You must provide copies of any previous visas, and pages containing your biometric data
Travel Medical Insurance
Provide the front page of your Schengen travel medical insurance with at least EUR 30,000 coverage, including costs of repatriation
Visa Fee
Visa fee payment
Documents Corroborating Travel Specifics
Cover letter, flight bookings, hotel bookings, proof of financial ability, invitation letter, academic records, etc.
Travel Insurance Purchase
You need to prepare the following documents to purchase travel insurance for Schengen:
Passport number of travellers
ID proof like PAN or other government-issued documents for proposal form
KYC for Europe travel insurance from India is required before purchase*
*You must also have your travel dates and destination for the proposal form.
Travel Insurance Claim
Here is an exhaustive list of documents that you will be asked to provide depending on your emergency:
FIR or police report for criminal cases
Identity proof
Copy of your passport with immigration stamps
Completed claim forms
Copy of your original policy
Original bills and receipts
You may be asked to provide all of these or more documents depending on your claim.
Schengen Travel Insurance Add-Ons
While Indian insurers offer great coverage for most types of travellers, some have gone a step ahead by introducing special coverage options called add-ons. Learn more about these add-ons and how they improve your overall travel experience abroad. These include benefits like trip interruptions, bounced hotel bookings, automatic trip extensions, delays in checked-in baggage, coverage for sports activity, refund of visa fees, staff replacement cover and more.
Planning to Ski in Switzerland?
What does the Schengen Travel Insurance cover?
Travel insurance for Schengen from India covers several things. Some of the common inclusions and exclusions are as follows:
Covered in Policy
Travel insurance for Schengen from India covers several things. Some of the common inclusions are as follows:
Medical Cover
Coverage for medical expenses, facility for emergency medical evacuation, repatriation of mortal remains to India, coverage for medical treatment continues in India, daily hospital allowances, dental treatment in an emergency
Baggage Cover
Loss of checked-in baggage, delay of checked-in baggage
Flight-related Cover
Flight hijacking, delay of trip, cancellation and curtailment, missed connection of flight
Trip-related Cover
Trip interruption, trip curtailment
Others
Compassionate visit of a family member in case of hospitalisation, refund of visa fee, adventure sports coverage, home burglary insurance
While most travel insurance for Schengen visas from India provides a minimum coverage of EUR 30,000, the exact benefits vary considerably. Go through their policy wordings and compare different plans before you buy Schengen travel insurance before your trip.
Not Covered in Policy
Some common exclusions under travel insurance for Schengen tourist visas are as follows:
Health Exclusions: Costs related to pre-existing diseases not covered unless specified, costs for planned medical treatments, routine check-ups or diagnosis
Self Harm: Attempted suicide, self-inflicted injuries, etc. not covered
Drugs/Intoxication Induced Losses: Any expenses incurred in substance abuse
Sexually Transmitted Diseases: STDs including AIDS/HIV are not covered
Illegal Activities: Loss or damage due to breach of law is not covered
Participation in Dangerous Activities: Loss or damage caused in hazardous sports (coverage for adventure sports is only available after purchasing add-ons)
The exact benefits vary from insurer to insurer. So, check the documents properly while purchasing travel insurance for Schengen from India.
Visa Procedure for Schengen Zone
-
1
Know Your Purpose
Why are you visiting the Schengen region? Determine if its for business, tourism, short courses or others.
-
2
Pick your Destination
There are 29 countries in the Schengen area. Apply to the country where you will spend maximum time.
-
3
Sort your Application
Complete your Schengen visa application form.
-
4
Prepare Documents
Prepare your cover letter, Schengen itinerary, passport, etc. as per your visa requirement.
-
5
Book Visa Appointment
You must book a slot at the applicable visa application centre. Most Schengen countries have designated VFS Global as their official VAC.
-
6
Attend the Interview
Visit the VAC on the selected slot, and submit your documents and biometrics.
-
7
Fee Payment
Pay the required fee and wait for an update on your Schengen visa status.
Travel Insurance is mandatory for Visa Application
How to Buy Travel Insurance for Schengen from India
Buying trip insurance for your Schengen visa is a short and straightforward process. If you wish to buy it online, you can follow these steps:
Research Insurers
Look up different travel insurers available in India. Check their plans, scope of coverage, limitations, etc.
Compare and Shortlist Plans
Shortlist the plans that suit your budget, trip duration and needs. They should meet the Schengen travel medical requirements along with essential coverage (trip cancellation, medical coverage, passport loss etc.)
Check Customer Feedback
Once you zero in on a plan, check the insurer's website for reviews. Focus on claim and assistance-related customer feedback.
Talk to Experts
In case of any doubts, reach out to Policybazaar. You can find all the details related to the plan of your choice and get end-to-end claim assistance if you buy a plan from us.
Why Buy from Policybazaar.com?
Buying from us comes with a lot of benefits:
Schengen visa-compliant travel insurance plans
Easy Comparison: Compare multiple policies on the go
Visa Compliant: All the policies Schengen-compliant travel medical insurance
Budget-friendly: Find the cheapest travel insurance for Schengen Visa
Instant Issuance: Get your policy within minutes
Global Support: Emergency & claim assistance throughout the world
How to Plan Your Schengen Itinerary?
Visiting Europe, especially the Schengen area requires a well-organised travel itinerary. Your visa application depends heavily on it and your immigration officers will evaluate your application based on many documents, including your Schengen itinerary. Here’s how you should plan your itinerary:
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1Decide your trip duration and dates
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2Book your round-trip flights
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3Make a list of cities you plan to visit & map out the number of days spent in each city
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4Reserve your hotels for each destination
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5Plan your daily activities (shopping, sightseeing, museum visits, etc.)
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6Provide commute details within Schengen (train rides, buses, domestic flights, cabs, etc.)
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7Compile all of this in a professional document as per the samples available
How Do You Claim Travel Insurance for Schengen?
If unfortunately, you face an emergency in Europe, you can raise a claim under your Schengen travel insurance policy. You can do this through Policybazaar Claim Support or by reaching out to your insurer. Here are the steps to raise a travel insurance claim for Schengen visa:
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1Head to the claims page of Policybazaar.com
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2Select 'travel insurance' from the list of products
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3You will be directed to the 'request claim assistance' form
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4Select the insurer you have purchased your policy from
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5You will see their respective helpline details, including contact numbers and email
You must inform your insurer within 30 days of your trip. In case of medical emergencies abroad, you can opt for a cashless hospitalisation facility. Your insurer will guide you through the process and help you get the necessary treatment.
Best Time to Visit Schengen Countries
The best time to visit Schengen countries is around late spring (May) and early fall (September). During these seasons, you will experience pleasant weather, smaller crowds, and often find better deals on your hotels. Compared to peak summer months, you can find a much affordable stay without the bustling crowds. However, the ideal time depends on your specific interests and which Schengen countries you plan to visit
Year-Round Coverage, From Tomatina to Oktoberfest
Money-Saving Tips in Schengen Countries
Timely and careful planning can help save a lot of money during your Schengen trip. But there are various other ways to save money when travelling to Europe:
Save Money by Rail
To save on transportation costs, consider travelling by rail. Booking it in advance can save a massive amount of money and even get great discounts and deals.
Buy Train Pass
You can purchase a Eurail pass that can last three months and is available to locals and tourists.
Book Tickets in Advance
Buy tickets in advance, as overnight or high-speed trains may not be available due to high demand. Track winter and summer timetables for trains and attractions.
Avail Free Wi-Fi Connectivity
Visitors can access free Wi-Fi everywhere and stay connected without spending a penny.
Avoid Museum Fees
Those on a budget can visit museums that do not require a fee. There are particular days when museum entry is free of cost. Check the days and plan the visit accordingly to save money.
Most Visited Destinations in Schengen Countries
There is no end to the number of attractions in Europe. It's almost impossible to cover it all in a single trip. Here is a list of the most famous destinations across each of the 29 Schengen countries, highlighting the top spot in each country:
Austria: Vienna – Known for its grand palaces, classical music heritage, and beautiful architecture.
Belgium: Brussels – Famous for its medieval architecture, the Atomium, and the European Union headquarters.
Czech Republic: Prague – Prague – Renowned for its charming Old Town, Prague Castle, and Charles Bridge.
Denmark: Copenhagen – Copenhagen – Famous for its canals, the Little Mermaid statue, and vibrant city life.
Estonia: Tallinn – Known for its well-preserved medieval Old Town, which is a UNESCO World Heritage site.
Finland: Helsinki – Famous for its stunning architecture, design scene, and proximity to nature.
France: Paris – The City of Light, home to the Eiffel Tower, Louvre Museum, and rich cultural history.
View more countries
Schengen Visa Travel Insurance: FAQs
-
Q: Why is a Schengen visa rejected? Will they refund my visa fee?
Ans: Your Schengen visa can be rejected for many reasons like lack of sufficient funds, unclear itinerary, and contradictory reasons for your visit. Other lesser-known reasons include earlier visa violations, criminal records, insufficient travel insurance for Europe from India, or lack of sufficient ties with your country. -
Q: Are Europe travel insurance and Schengen area travel insurance the same?
Ans: Travel and health insurance for Schengen visa is mandatory for 29 European countries. Travel health insurance Europe may or may not be applicable here. -
Q: Is overseas travel medical insurance valid for all Schengen countries?
Ans: Yes, it’s mandatory that your Schengen travel medical insurance plan is valid throughout the Schengen Zone. -
Q: What are the covered countries under Schengen travel insurance?
Ans: All 29 Schengen countries are covered under this insurance plan. -
Q: Are emergency medical costs related to COVID-19 covered under Schengen travel medical insurance?
Ans: Yes, several Indian insurers still provide coronavirus-related coverage including hospitalisation and trip cancellation. -
Q: Will a Schengen tourist insurance work if I study in Europe?
Ans: If you’re staying in a Schengen state on a short-term visa then a tourist visa will cover you. However, full-time students who are in Schengen countries for 6 months or more should buy travel health insurance for Schengen visa. -
Q: How much does travel insurance cost for 2 weeks?
Ans: Your travel insurance cost for Schengen visa will depend on your age, the number of countries you plan to visit and other factors that will affect the cost. -
Q: How much does a 30,000 euro travel insurance cost for Schengen visa in India?
Ans: Schengen travel insurance costs vary depending on the duration and benefits. A 15-day Schengen travel insurance plan for Germany starts at Rs. 785 on Policybazaar.com. However, this premium is for a 30-year-old with no PED. Confirm these with the insurer or use a travel insurance premium calculator to get a better idea. -
Q: Is travel insurance mandatory for Schengen Visa?
Ans: Yes, Indians must buy travel insurance to Schengen countries because they are applying for a Schengen visa. They can't get a visa without meeting these Schengen travel insurance requirements. -
Q: Will I get any refund if my Schengen visa application is refused?
Ans: This depends on your insurer. If your policy offers a refund of visa fee coverage then you will get your visa fee refunded, given that it was not rejected because of your own negligence. Most plans offer this benefit only if you have purchased an add-on. -
Q: Is travel insurance for Schengen visa valid in other European countries?
Ans: No, Europe travel insurance for Schengen is only valid in 29 Schengen nations. However, if you have purchased a plan after informing your insurer, it may cover other countries too. -
Q: Is Travelling to Multiple Schengen Countries With the Same Schengen Visa Possible?
Ans: Yes. You must apply for a visa at the embassy of your primary destination and mention these in your travel itinerary.
Travel Insurers
Aditya Birla
Bajaj Allianz
Care
Cholamandalam MS
Digit
Future Generali
HDFC ERGO General
ICICI Lombard
IFFCO Tokio
National Insurance
Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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* Price shown is for a 30 day trip to Schengen with 1,00,000 dollar coverage for an adult of age 25 years
