Travel Insurance for Schengen from India

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If you like to travel abroad, a Schengen country will eventually become a part of your bucket list. However, you will need appropriate travel insurance to obtain a Schengen Visa. To help you out, this article has all the important information related to travel insurance for Schengen Visa from India.

What is Schengen travel insurance?
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A Schengen travel insurance plan is a mandatory insurance policy for an individual who wants to visit one of the 26 Schengen countries (from outside of Europe). A visa for these groups of countries is issued only when the applicant produces proof of holding travel insurance. Hence, you will need to have a valid insurance plan before applying for a Schengen Visa. The policy will take care of the financial burdens related to your journey, baggage, medical and other unexpected emergencies.

Why do I need travel insurance for a Schengen Visa from India?
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These are the reasons why you need travel insurance for a Schengen Visa.

Key features of travel insurance for Schengen Visa
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Here are the key features of travel insurance for Schengen countries.

Key features

Schengen travel insurance benefits (exact details depend on your policy)

Health/Medical emergency coverage

Travel medical insurance for Schengen Visa to cover emergencies related to the insured person’s health or a medical emergency.

Accidental coverage

Cover for hospitalisation expenses after the insured person’s accident on a trip.

Trip rescheduling/cancellation coverage

Cover for the cancellation or rescheduling of an insured trip.

Loss of passport coverage

Cover for the additional expenses after losing a passport on a trip.

Flight delay/cancellation coverage

Cover for the delay or cancellation of a flight by the airline.

Baggage delay/loss coverage

Cover for the delay or loss of checked-in baggage by the airline.

Adventure sports coverage

Cover for hospitalisation expenses after an adventure sports injury on a trip.

COVID-19 quarantine coverage

Cover for the trip cancellation after getting COVID-19 quarantined.

Loss of travel fund coverage

Cover for the loss of funds while travelling due to robbery, theft, etc.

Benefits of Schengen travel insurance plan
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The following are the major benefits of buying travel insurance for a Schengen Visa in India.

Journey cover
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A Schengen travel insurance plan provides essential coverage for journey-related emergencies such as flight delays, travel fund loss, passport loss, etc.

Medical cover
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Schengen medical insurance is essential to take care of the financial expenses if you end up in a hospital while travelling. This coverage will help in case of illness, accident and other medical emergencies.

Baggage cover
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Baggage delays and misplacements are common, especially on international trips. Hence, the baggage coverage offered by a Schengen travel insurance plan becomes important.

What is covered?

What is not covered?

What is covered?
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The following are the situations usually covered under travel insurance for Schengen Visa from India.

  • An accidental injury that requires hospitalisation or daycare

  • A medical emergency that requires hospitalisation or daycare

  • Monetary loss after a flight delay or cancellation

  • Monetary loss after the misplacement or delay of the checked-in baggage

  • Monetary loss if you reschedule or cancel your trip

  • Personal liabilities with respect to third-party harm, death and/or property damage

  • Unrecoverable costs related to the loss of passport or travel funds

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

  • COVID-19 quarantine resulting in trip cancellation

What is not covered?
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Even if you purchase the best travel insurance for Schengen Visa, it will come with a few exclusions. Some of the general exclusions are as follows.

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

  • Visiting a Schengen country for the purpose of medical consultation or treatment

  • Travelling when you’re not medically fit

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

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

  • Loss, damage or injury during a criminal act

  • Loss, damage or injury during a hazardous activity

  • Medical complications associated with pregnancy or a pre-existing disease

Schengen Visa insurance requirements
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Here are the basic requirements related to travel insurance for Schengen Visa.

Tips to buy the best 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.

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.

Switzerland

Austria

Spain

Belgium

Portugal

Lithuania

France

Germany

Finland

Poland

Czech Republic

Liechtenstein

Italy

Slovenia

Greece

Luxembourg

Slovakia

Norway

Estonia

Denmark

Sweden

Latvia

Malta

Hungary

Netherlands

Iceland

Schengen Visa types
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Depending on the purpose and duration of your visit, you can choose to apply for one of the following types of Schengen Visas.

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.

Weather

Best places to visit

Summers

Switzerland, Germany, Italy, Greece, and Spain

Autumn

Netherlands, Sweden, Belgium

Winter

Poland

Spring

Almost all 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.

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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 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.