Planning a trip to Europe is exciting, but before you pack your bags, one essential requirement stands between you and your Schengen visa approval — travel insurance. Whether you are traveling for tourism, business, studies, or visiting family, having the right travel insurance for Schengen visa is mandatory for Indian travelers.
This guide will help you understand everything you need to know about Schengen visa travel insurance from India, including requirements, coverage, top providers, costs, and tips to choose the best plan.
Why is Travel Insurance Mandatory for a Schengen Visa?
The Schengen area comprises 29 European countries that have abolished internal border checks, allowing seamless travel. To safeguard travelers and host nations, Schengen authorities made travel insurance compulsory for visa applicants.
The purpose is simple:
- To ensure travelers are financially protected in case of medical emergencies abroad.
- To cover unforeseen situations like flight cancellations, lost baggage, or accidents.
- To avoid burdening European healthcare systems with uninsured travelers.
Without a valid travel insurance policy that meets Schengen requirements, your visa application will be rejected.
Schengen Visa Travel Insurance Requirements
According to the European Union visa code, your travel insurance must meet the following criteria:
| Requirement | Details |
|---|---|
| Minimum Coverage | €30,000 (approx. ₹27 lakh) |
| Validity | Must be valid for the entire Schengen area, not just the country of first entry |
| Duration | Must cover the entire duration of stay |
| Medical Coverage | Emergency medical expenses, hospitalization, and repatriation |
| Insurance Provider | Must be recognized by Schengen embassies/consulates |
👉 Note: Some embassies also require proof of cashless hospitalization in Europe.
Benefits of Travel Insurance for Schengen Visa Applicants
Getting the right insurance isn’t just about fulfilling visa requirements—it also ensures peace of mind. Here are the key benefits:
- Medical Emergency Coverage – Protects against high healthcare costs in Europe.
- Accident Protection – Covers accidental injuries or death.
- Trip Cancellation – Refunds pre-paid expenses in case of unforeseen cancellations.
- Loss of Baggage & Passport – Assistance in case of theft or loss.
- Repatriation – Covers costs of medical evacuation or returning remains in extreme cases.
- Personal Liability – Protects you if you cause accidental injury or property damage.
Best Travel Insurance Plans for Schengen Visa from India (2025)
Several Indian insurance providers offer Schengen-compliant travel insurance. Here are some of the top options:
| Insurance Provider | Plan Name | Coverage Amount | Premium (approx.) | Key Benefits |
|---|---|---|---|---|
| ICICI Lombard | Travel Insurance Schengen Plan | €30,000 – €50,000 | ₹500 – ₹2,000 (per trip) | Covers medical emergencies, baggage loss, trip delays |
| Tata AIG | Schengen Travel Guard | €30,000 – €1,00,000 | ₹600 – ₹2,500 | 24/7 international assistance, trip cancellation |
| HDFC ERGO | Schengen Travel Insurance | €30,000 – €75,000 | ₹450 – ₹2,200 | Extensive medical and baggage cover |
| Reliance General | Travel Insurance Europe Plan | €30,000 | ₹400 – ₹1,800 | Affordable premium, covers personal liability |
| Bajaj Allianz | Travel Assist – Schengen | €30,000 – €50,000 | ₹450 – ₹2,000 | Includes family plans, student coverage |
| Care Health Insurance | Explore Europe Plan | €30,000 – €1,00,000 | ₹500 – ₹2,500 | Covers pre-existing diseases in emergencies |
👉 Premiums vary based on age, trip duration, destination, and sum insured.
Cost of Schengen Travel Insurance from India
The cost of travel insurance is quite affordable compared to the expenses you may face abroad. Here’s a breakdown:
| Trip Duration | Average Premium (per adult) |
|---|---|
| 1 – 7 days | ₹400 – ₹900 |
| 8 – 15 days | ₹800 – ₹1,500 |
| 16 – 30 days | ₹1,200 – ₹2,200 |
| 1 – 3 months | ₹2,000 – ₹5,000 |
| 3 – 6 months | ₹4,500 – ₹9,000 |
Factors Affecting Premium:
- Age of traveler (senior citizens pay higher)
- Number of travelers (individual vs. family plan)
- Duration of trip
- Type of plan (basic vs. comprehensive)
How to Buy Travel Insurance for Schengen Visa from India?
Buying travel insurance is a simple online process. Follow these steps:
- Visit Insurance Provider Website – Choose a reputed insurer.
- Select Travel Insurance Plan – Ensure it meets Schengen visa requirements.
- Fill Traveler Details – Name, age, passport number, travel dates, and destination.
- Pay Premium Online – Via debit/credit card, UPI, or net banking.
- Get Policy Document – A digital copy (PDF) is emailed instantly.
📌 Important: Submit a printed copy of your policy along with your Schengen visa application.
Tips to Choose the Best Schengen Travel Insurance
When comparing plans, keep these tips in mind:
- ✅ Always check Schengen-compliance.
- ✅ Choose at least €50,000 coverage for peace of mind.
- ✅ Ensure 24/7 international assistance and cashless hospitalization.
- ✅ Consider additional benefits like adventure sports coverage if required.
- ✅ Compare premiums across multiple insurers before purchase.
Travel Insurance for Schengen Visa: Students & Senior Citizens
Special plans are available for specific groups:
- Students – Some insurers (e.g., Bajaj Allianz, ICICI Lombard) offer student-friendly Schengen travel insurance covering tuition fees, study interruptions, and sponsor protection.
- Senior Citizens – Plans with higher medical coverage, pre-existing disease coverage, and quick claim settlement are recommended for elderly travelers.
Travel Insurance Claim Process in Schengen Countries
In case of an emergency abroad, here’s how to file a claim:
- Contact Insurer Helpline immediately.
- Provide Policy Number & Details of emergency.
- Submit Required Documents (medical bills, reports, boarding passes, receipts).
- Claim Settlement – Depending on the insurer, you may get cashless treatment or reimbursement.
FAQs on Schengen Visa Travel Insurance from India
1. Is travel insurance mandatory for Schengen visa from India?
Yes, it is compulsory. Without it, your visa will not be approved.
2. What is the minimum coverage required?
At least €30,000 (approx. ₹27 lakh).
3. Can I buy travel insurance online?
Yes, most Indian insurers allow easy online purchase.
4. Do I need insurance for multiple-entry Schengen visa?
Yes, it must cover each trip you make.
5. Can I get a refund if my visa is rejected?
Some insurers provide a refund if your visa is denied (check terms before purchase).
Final Thoughts
Travel insurance for a Schengen visa from India is not just a formality but a vital protection tool. With rising medical costs abroad, having a reliable policy ensures a safe and stress-free journey. From ICICI Lombard to Tata AIG, Indian insurers offer multiple affordable options tailored for Schengen travelers.
Before booking your flights, make sure you:
- Buy a Schengen-compliant plan.
- Print your insurance certificate for visa submission.
- Opt for a plan with 24/7 assistance.
With the right insurance in hand, you can focus on enjoying Europe’s beauty without worrying about unexpected expenses.