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Travel Insurance for Schengen Visa from India

Ensure a safe trip with Schengen travel insurance plan.

✅ 24x7 assistance ✅ Baggage Loss ✅ No Medical Test

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UID: 5649 | *T&Cs apply

UID: 5649 | *T&Cs apply

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Home / International Travel Insurance / Travel Insurance for Schengen Visa from India

Planning a trip to Schengen and European regions? Sounds exciting! However, with every foreign trip, certain unavoidable scenarios can across that may call for hefty expenses. To be stress-free, get travel and medical insurance for a Schengen visa online through ACKO. It’s immediate, customisable, and reasonable, and it’s accepted by all 29 countries in the Schengen area. It’s IRDAI-approved and comes with COVID-19 coverage at a competitive rate. Remember, for a Schengen visa application, travel insurance is a mandatory requirement.

What Is Schengen Travel Insurance?
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The entire European continent, excluding Britain, is part of the European Union. So, to visit a European country, you’ll need a Schengen visa, which allows you to visit all 29 countries on the European continent without any hassle. 

When applying for a Schengen visa, several documents need to be prepared. For Indian passport holders, providing proof of travel insurance is crucial. Essentially, this policy is designed to cover the expenses related to your trip, including baggage, medical emergencies, and any unforeseen circumstances. 

However, Schengen countries have their own set of rules. They have specific criteria your travel health insurance should meet to ensure your visa is good to go. So, it’s mandatory for Indian passport holders applying for a Schengen visa to fulfil all the requirements. 

Schengen Visa Travel Insurance Requirements For Indian Citizens
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For a Schengen visa from India, travel insurance must meet these requirements: 

How To Buy Travel Insurance For A Schengen Visa From India?
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To buy ACKO's travel insurance for Schengen, just follow these six simple steps:

Step 1: To begin, click here or download our app from Play or App Store

Step 2: Choose from our standard plan or customise your plan

Step 3: Give us the dates on which your trip will start and end

Step 4: Choose the coverage you want

Step 5: Fill up the details for you and your travel companions

Step 6: Pay online to get your coverage right away

How to claim travel insurance for Schengen?
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Filing a claim with Acko's Travel Medical Insurance for Schengen is easy. Just follow these steps to make a claim: 

Insurance for free medical care: 

Extra Covers:


Why ACKO Travel Insurance For A Schengen Visa?
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Here are some ways we can assist you:

Paperless Process
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ACKO is an online-only insurer, which means you can buy, claim and manage your policy entirely online.

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 You get the best insurance options with great coverage at a reasonable price.

No out-of-pocket expenses
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ACKO has covered all your medical treatment and emergency assistance costs while you travel.

Coverage for COVID-19-related hospitalisation
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Our travel plans cover hospitalisation if you test positive for COVID-19 during your trip. Stay safe!

Let's See How Schengen Travel Insurance Helped Varun And Meera During Their Trip To Europe
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Varun and Meera were finally going on their long-awaited trip to Europe. They had saved money for years and planned their trip for months. But things went badly when the hotel reservation was cancelled without warning. After this scary event, Varun called Acko's helpline right away and gave a full account of what had happened. Right away, Acko fully refunded them for the costs they had to pay because the reservation didn't go through, which let them book another hotel room.

Varun said as he thought back on the event. "I was angry when we had trouble with our hotel on the first day of our trip. The hotel didn't do anything to help. ACKO was there for us. Thank you, ACKO, for helping us during those hard times."

Benefits Of ACKO Schengen Travel Insurance Plan
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Accidental and Medical Benefits
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Our travel insurance plan includes financial coverage for potential medical emergencies, including COVID-19. 

Compensation for flight/baggage delays
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Delays in flights or baggage are annoying. In such unfortunate situations, ACKO's travel insurance will compensate you.

Trip Rescheduling/Cancellation
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Provide coverage for airline rescheduled flights and cases where you have to cancel flights, as per the policy terms.

Coverage at affordable prices
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We provide basic travel plans for only Rs. 49 for a five-day term, equivalent to approximately Rs. 10* per travel day.

What is covered?

What is not covered?

What's Covered By ACKO Travel Insurance For Schengen Visa?
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The following are the situations usually covered under travel insurance for Schengen from India.

Travel Coverage

The following travel-related circumstances are covered under your ACKO travel insurance for Schengen.

  • Return of a minor child to the city of residence in case of the insured person's hospitalisation

  • Family member’s compassionate visit in case of the insured person’s hospitalisation

  • Monetary loss for transportation, including medical care, for the insured person during the travel period

  • Compensation for flight delay or cancellation

  • Compensation for rescheduling

  • Compensation for misplacement or delay of the checked-in baggage

  • Compensation for total loss/partial loss of checked-in baggage

  • Unrecoverable costs related to the loss of a passport

  • Compensation in the event of a paid booking bouncing during travel

Medical Coverage

Your travel insurance through ACKO will provide coverage for these medical issues.

  • An accidental injury that requires hospitalisation or daycare

  • A medical emergency that requires hospitalisation or daycare

  • OPD medical expenses due to injuries or illnesses

  • Adventure sports-related injuries requiring hospitalisation

  • Permanent total disability/Permanent partial disability caused by an accident during the travel period

  • Accidental death of the insured person during the travel period

  • Coverage for transporting remains in case of death during travel due to injury or illness during the travel period

  • COVID-19 quarantine resulted in flight cancellation

Legal Coverage

Our policy will offer financial coverage in these legal situations.

  • Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

What's Not Covered in ACKO’s Schengen Travel Insurance?
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Even if you purchase the best travel insurance for the Schengen Visa, it will come with a few exclusions. Some of the general exclusions are as follows.

Travel exclusions

The following travel-related circumstances disqualify you from receiving financial aid for Schengen under your ACKO travel insurance.

  • If a valid visa is not present when you enter Schengen

  • Overstaying your stay in a Schengen country than the validity of your visa

  • If the sole purpose of your trip to Schengen is to receive medical attention

  • Travelling to the Schengen country when you’re not medically fit

  • If you get insurance after leaving India or if your trip doesn’t end in India

Legal exclusions

Our policy may not offer financial coverage in these legal situations.

  • Loss, damage, or injury due to self-inflicted harm, suicide, etc

  • Loss, damage, or injury when you are under the influence of alcohol or some other intoxicating substance

  • ​​Loss, damage, or injury during a criminal act

  • Loss, damage, or injury during a hazardous activity

Medical exclusions

Your travel insurance through ACKO does not provide coverage for these medical issues.

  • Medical complications associated with pregnancy or pre-existing disease

  • If a close relative prepares the disability report used to substantiate a claim

Note: The above information is not complete. For more accurate details, we suggest checking the appropriate policy wording.

Know More About Schengen Before Starting Your Trip:
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The following section will help you prepare for a Schengen trip.

List Of Schengen Countries IN 2024
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Here’s a list highlighting the 29 Schengen countries.











Czech Republic




















Schengen Visa Types
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The Schengen Visa is divided into four categories or types - A, B, C, and D.

The Uniform Schengen Visa is the most common type of Schengen visa. It includes groups A, B, and C., including airport transit visas. With this visa, you can stay for a maximum of 90 days within a 6 month period in any country within the Schengen Zone.

1. Schengen visa type A, also known as an airport transit visa 

If you are not a citizen of a Schengen country and have a connecting flight or need to transit through a Schengen airport, you can use a type A visa to do so. However, remember that you will not be permitted to enter the specific Schengen country.

2. Schengen visa type B

The type B visa, which was previously applicable to short-term trips of less than five days, has been replaced by the type C visa with transit conditions.

3. Schengen visa type C

The Schengen visa service issues short-stay visas for individuals who plan to remain in the area for fewer than 90 days over a period of 180 days. This visa allows you to travel freely throughout the Schengen area without additional visas or border checks. 

Based on the purpose of your travel, the Schengen visa in category C for short stays can be:

4. Schengen visa type D, also known as a national long-stay visa

A national visa is required if you intend to study, work, or reside in a Schengen country for over 90 days and up to a year. It's also called a type D long-stay Schengen visa. If you have this visa, you can reside in the Schengen area for a maximum of 90 days within 180 days of your visa’s validity.

The reasons to apply for a Category D visa include 

Please note that the national visa is issued by the embassy of the Schengen country you intend to visit. Therefore, it is crucial to get in touch with the appropriate government agencies to learn about the precise needs and steps that must be taken.

How To Apply For A Schengen Visa From India 
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Here are the steps to help you submit your Schengen Visa application in India.

Step 1: Download the application form via the Schengen Embassy website and fill it out accurately.

Step 2: Choose your Schengen Visa type and submit the application along with the requested documents.

Step 3: Pay the required fee and appear for the interview.

Step 4: Allow some time for processing to receive your visa.


Schengen Visa: Major Documents
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These are the major documents required from an applicant for a Schengen Visa. 

Where And When To Visit Schengen Countries:
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The following table shows the best places to visit in the Schengen area based on the weather conditions.




Switzerland, Germany, Italy, Greece, and Spain


Netherlands, Sweden, Belgium




Almost all Schengen countries


Tips To Buy Travel Insurance For Schengen Visa From India
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The tips mentioned below will help you choose the best travel insurance for Schengen countries.


Frequently Asked Questions (FAQs)
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Here are a few frequently asked questions about travel insurance for Schengen Visa from India.


Is travel insurance mandatory for Schengen Visa?

Yes, travel insurance is mandatory for a Schengen Visa. In fact, your insurance policy must provide medical coverage of at least 30,000 euros during your trip. 

Does a Schengen Visa Insurance policy cover baggage delay and loss?

Yes, baggage delay and loss are usually covered under travel insurance for Schengen countries. However, the coverage limits will depend on the policy and the insurer’s terms.

Which nationals must get travel insurance for a Schengen Visa?

Everyone living outside the Schengen area must get a Schengen Visa along with travel insurance covering medical emergencies.

How do I choose the cheapest travel insurance for a Schengen Visa?

The cost of a Schengen Visa for Indians depends on the insurance provider, coverage range, number of travellers, etc. You can cut travel insurance costs for a Schengen Visa by researching multiple options online and customising your policy based on suitable features and budget.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.