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Travel Insurance for Schengen Visa from India

Ensure a safe trip with Schengen travel insurance plan.

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UID: 5649 | *T&Cs apply

UID: 5649 | *T&Cs apply

International Travel Insurance

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

If you are planning to visit the US, you’ll need an American visa; if you want to visit Japan, you’ll need a Japanese visa; but if you want to visit Switzerland, there’s no such thing as a Swiss visa. Instead, travellers need a Schengen visa.

To apply for a Schengen visa, it's important to have appropriate travel insurance that meets the specific standards set by the Schengen countries. This type of insurance is commonly known as "Travel Insurance for Schengen Visas." To make it easier, we've compiled some key information in this article that will assist you in meeting the necessary travel insurance policy requirements for your Schengen Visa application.

Let’s get into the details.

What is Travel Insurance for a Schengen Visa?
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The entire European continent collectively, excluding Britain, comes under the European Union. So, to visit a European country, you’ll need a Schengen visa, which allows you to visit all 26 countries on the European continent without any hassle. 

When applying for a Schengen visa, there are several documents that you need to prepare. For Indian passport holders, it is crucial to provide proof of travel insurance as one of the requirements for a Schengen visa. 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've got specific criteria your travel health insurance should meet to make sure 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 online 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: You'll get a quote right away. Pay online to get your coverage right away

How do you claim travel insurance for Schengen from Acko?
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It is easy to file a claim with Acko's Travel Medical Insurance Schengen. 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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If you're looking for uncomplicated and easily accessible insurance, then Acko is the right choice. As a certified digital insurance provider, we offer a variety of products that follow IRDAI regulations. Regarding travel insurance, we can help you obtain it quickly and efficiently. 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. This can be convenient if you want to avoid visiting a physical insurance office or speaking to a sales agent in person.

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

24x7 assistance
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‘’Service is what life is all about,’’ and we firmly believe that. This is why we offer 24/7 support for all your insurance needs so you can easily travel without concern.

No out-of-pocket expenses
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Rest assured that you won't have to worry about paying anything out of pocket. Acko has got you covered for all your medical treatment and emergency assistance costs while you travel.

More than 150 countries worldwide
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With so many countries to choose from, the possibilities for your next adventure appear limitless. You simply concentrate on making plans for your next dream vacation.

Coverage for COVID-19-related hospitalization
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 If you test positive for COVID-19 during your travel period, we cover COVID-19 hospitalisation in our travel plans. Stay safe!

Benefits of ACKO Schengen Travel Insurance Plan
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Accidental and Medical Benefits
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We understand that even the smallest health concerns can cause big troubles, which is why our travel insurance plan includes financial coverage for potential medical emergencies, including COVID-19.

Monetary compensation for flight/baggage delays
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No one likes flight or baggage delays while traveling. It can cause financial loss, especially if you are on strict timelines and have prepaid bookings. Acko’s travel insurance plan will get you monetary compensation in such inconvenient situations.

Trip Rescheduling/Cancellation
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Rescheduled plans are better than cancelled ones. Here, “we” are to cover “your” expenses for rescheduling as well as provide coverage for cases where flights are cancelled altogether as per the policy terms.

Coverage at affordable prices
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Wondering about travel insurance costs? Nowadays, foreign travel insurance is available at reasonable rates. At ACKO, we provide basic travel plans for only Rs. 49 for a five-day term, equivalent to approximately Rs. 10* per travel day.

Comes in handy when mandatory
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If you're planning a trip to certain countries, like the United Arab Emirates (UAE) or the Schengen region, you need travel insurance as a mandatory requirement. With ACKO's travel insurance, you can easily meet this requirement and enjoy a stress-free trip.

Stress-free journeys around the world
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Whenever you plan a trip outside the country, a suitable insurance plan will financially safeguard you in unfortunate scenarios. This gives a sense of security and mental peace while travelling.

What is covered?

What is not covered?

What's covered in 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

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

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

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
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Here’s a list highlighting the 26 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 give you an idea of how you can submit your Schengen Visa application in India.

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 as per 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, it is compulsory that your insurance policy provides medical coverage of at least 30,000 euros on 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 Schengen Visa cost for Indians depends on the insurance provider, coverage range, number of travellers, etc. So, you can cut travel insurance costs for Schengen Visa by researching multiple options online and customising your policy based on suitable features and budget.

How to choose the cheapest travel insurance for a Schengen Visa?

The Schengen Visa cost for Indians depends on various factors like the insurance provider, coverage range, number of travellers, etc. So, you can cut the travel insurance for Schengen Visa cost by investing some time to research 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.

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