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Travel Insurance for Schengen VISA from India

The Schengen Visa, pivotal for seamless travel across 26 European countries, demands careful preparation, including the essential element of travel insurance. This visa encompasses nations like France, Germany, Italy, and Spain, allowing travellers to move freely within this territory. When applying from India, obtaining Schengen Visa insurance becomes imperative. Travel insurance for Schengen Visa from India must meet specific requirements. It should cover medical emergencies, repatriation, and other unforeseen circumstances up to €30,000 or more. The insurance also needs to be valid throughout the Schengen Area and for the entire duration of your stay.

Numerous insurance providers offer tailored packages meeting these criteria, facilitating a hassle-free application process. While purchasing, ensure the policy explicitly mentions "Schengen Visa insurance" to avoid complications during the visa application. It's prudent to compare different plans, considering coverage, premium, and additional benefits. Securing adequate travel insurance for Schengen Visa from India is not just a formality but a crucial aspect in ensuring a smooth and safe European excursion. Thus, selecting the right international travel insurance plan is pivotal for a stress-free travel experience.

Why Do You Need Schengen Travel Insurance?

Schengen travel insurance safeguards against unforeseen incidents, vital for hassle-free travel in Europe. Schengen Travel Insurance is indispensable for various reasons specific to the Schengen Visa, here are some:

• Travel Disruption Coverage: It safeguards against trip cancellations or interruptions due to unforeseen events like natural disasters or sudden illness before departure.

• Legal Protection: In the unfortunate event of accidents causing harm to others or property damage, Schengen travel insurance covers legal expenses and liabilities, averting financial strains.

• Peace of Mind: Having comprehensive Schengen Visa insurance ensures a worry-free exploration of the Schengen Area, allowing travellers to focus on their itinerary rather than potential financial burdens in emergencies.

• Emergency Assistance Abroad: It provides 24/7 support and assistance during unforeseen events such as loss of passport, flight cancellations, or emergency medical evacuations.

• Mandatory Requirement: Schengen Visa authorities necessitate adequate travel insurance for Schengen Visa from India or any other non-Schengen country. It's a prerequisite for visa approval.

• Visa Application Compliance: Without valid Schengen Visa insurance meeting specific criteria, your visa application might be rejected, causing delays and additional expenses in reapplication.

• Healthcare Coverage: Schengen travel insurance ensures coverage for medical emergencies up to €30,000 or more, including hospitalization, medicines, and repatriation in case of severe illness or accidents.

Benefits of Schengen Travel Insurance

Schengen travel insurance offers peace of mind and essential coverage for seamless exploration within Europe's Schengen Area. Here are some to look out for:

Comprehensive Medical Coverage

It provides extensive coverage for medical emergencies, ensuring peace of mind during your travels through the Schengen countries.

Financial Safeguard

Protects against unexpected expenses due to medical emergencies, flight cancellations, or lost baggage, reducing financial burdens while abroad.

24/7 Assistance

Offers 24/7 assistance for various crises, including medical evacuations, ensuring immediate support during unforeseen situations.

Requirement fulfilment

It is mandatory for Schengen Visa applications, ensuring compliance and increasing the chances of successful visa approval.

Repatriation Assistance

Offers support for emergency repatriation in case of severe illness, injury, or unfortunate incidents, ensuring a safe return to the home country.

Trip Cancellation Protection

Covers expenses in case of trip cancellations or interruptions due to unforeseen circumstances, allowing for rescheduled travel without added financial strain.

Family Coverage Options

Many policies include options to cover family members travelling together, providing comprehensive protection for the entire group.

Multi-Country Access

One policy covers travel across multiple Schengen countries, eliminating the need for separate insurance for each country visited within the Schengen Zone.

Value for money

Despite varying coverage levels, Schengen travel insurance offers excellent value for the coverage provided, making it a worthwhile investment for travellers.

Which are the Schengen Countries?

The Schengen Agreement, signed in 1985, created a borderless zone within Europe, comprising 26 countries to facilitate unrestricted movement. These Schengen countries include 22 European Union (EU) member states and four non-EU nations.

These countries collectively form the Schengen Area, offering travellers the opportunity to explore diverse cultures, landscapes, and histories without internal border checks, requiring a single travel insurance for Schengen Visa to access this enthralling zone.

Did you know?

It is mandatory to have a valid travel health insurance policy to enter any of the schengen area countries., who is eligible to travel across schengen visa permitted states.

All Indian citizens as well as citizens of other countries that are currently legally residing in India can apply for a Schengen VISA in India. Other Indian citizens currently residing elsewhere may only apply for a Schengen VISA in India if they are legally present there and provide a justification for doing so while in India rather than in their current country of residence.

Travel insurance for Schengen VISA requirements

Schengen Visa applications mandate specific travel insurance for Schengen Visa as a critical component. To meet these stringent requirements, the insurance must fulfil certain criteria:

Validity Period

The insurance coverage must be valid for the entire duration of the intended stay within the Schengen Area and should cover any potential extension periods.

Coverage Amount

The policy should provide coverage of at least €30,000 or its equivalent in Indian Rupees for medical emergencies, including repatriation for medical reasons and urgent medical attention.

Territorial Coverage

It's crucial that the insurance coverage extends to all the Schengen countries, ensuring comprehensive protection across the entire zone.

Insurance Provider Credibility

Opting for insurance from reputable and recognized providers ensures that the policy meets all necessary Schengen Visa insurance prerequisites, reducing the risk of rejection due to inadequate coverage or policy discrepancies.

Comprehensive Coverage

The insurance should encompass various potential risks, such as medical emergencies, accidents, repatriation, and liabilities, providing a comprehensive safety net during the travel period.

What is Travel Insurance for Schengen VISA?

Travel Insurance for Schengen Visa is a specialized insurance policy designed to meet the specific requirements set forth by the Schengen Zone for individuals applying for a Schengen Visa. This insurance serves as a crucial prerequisite for the visa application process. It offers comprehensive coverage, typically including medical emergencies, repatriation, and liabilities, ensuring travellers are protected throughout their stay within the Schengen Area.

Key components of this insurance encompass a minimum coverage amount of €30,000 or more, no deductibles, and validity spanning the entire duration of the intended stay. This coverage extends across all 26 Schengen countries, providing a safety net against unforeseen circumstances like accidents or sudden illnesses while travelling. Travellers from countries like India intending to explore the Schengen region must procure this insurance to fulfil visa requirements and ensure financial security and peace of mind during their European journey.

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Get quick quotes on your favourite plan in just a few clicks, types of schengen visas.

The Schengen Area offers various types of visas catering to diverse travel purposes, each designed to meet specific needs:

Understanding these distinct Schengen Visa types is crucial, as each serves a specific purpose and duration of stay within the Schengen Area, offering flexibility for various travel needs and durations.

Documents Required for a Schengen Visa

Here are the required documents for a short-term Schengen visa application:

General Requirements:

• Visa Application Form: Completely filled and signed.

• Recent Photos: Two recent photos meet specific requirements.

Passport and Travel Information:

• Round Trip Itinerary: Details of entry and exit flights or reservations, indicating travel dates within Schengen.

• Valid Passport: Not older than 10 years, valid for at least 3 months beyond the intended departure from Schengen.

Financial and Insurance Documents:

• Proof of Accommodation: Booking details or invitation confirming where you'll stay in Schengen.

• Travel Health Insurance: Covering €30,000 for medical emergencies, available from providers like Europ Assistance.

• Paid Visa Fee: €80 for adults, €45 for children aged 6 to 12.

• Financial Means Proof: Options include bank statements, sponsorship letters, or a combination thereof.

Employment and Specific Situations:

• For Self-Employed: Business license, company bank statements, and income tax returns.

• For Employees: Employment contract, bank statements, leave permission, and income tax-related documents.

• For Students: Enrollment proof and a no-objection letter from the school/university.

• For Minors: Birth certificate, signed application by both parents, family court order (if applicable), ID/passport copies of both parents and parental authorization for minors travelling alone, duly notarized.

• For Unemployed Married to EU Citizens: Confirmation of employment from the spouse, marriage certificate, and spouse's passport.

• For Retirees: Pension statements for the last 6 months.

Ensuring all necessary documents are in order according to your specific situation greatly enhances the chances of a successful Schengen visa application.

What Is the Schengen Visa Procedure?

The Schengen Visa application process follows a structured procedure aimed at ensuring seamless travel within the Schengen Area:

• Identify the appropriate visa type based on the purpose and duration of the visit (tourism, business, family visit, etc.).

• Choose the Schengen country's embassy or consulate where the application will be lodged. This is usually the primary destination or the country of the longest stay.

• Compile all necessary documents such as completed application form, passport, photos, travel itinerary, health insurance, financial proofs, and specific documents based on employment, student status, or other situations.

• Schedule an appointment with the selected embassy/consulate for visa submission. Some locations might require prior appointment bookings.

• Attend the appointment or submit the application in person, providing biometric data (if required) and paying the visa fee.

• Allow the embassy/consulate time to process the application. Processing times vary but can take up to 15 calendar days.

• Receive the decision on the visa application. It can be approved, or denied, or additional documentation may be requested.

• Upon approval, collect the passport with the issued visa from the embassy/consulate or through a designated courier service.

• With the obtained visa, travel freely within the Schengen countries, ensuring to adhere to the visa's conditions regarding duration of stay, purpose, and other stipulations.

This systematic process ensures compliance with Schengen regulations and facilitates a hassle-free experience for travellers exploring the diverse and captivating Schengen Zone.

What Does The Schengen Travel Insurance Policy From Cover?

Here are the coverage offered by HDFC Ergo for their Schengen Travel Insurance Policy:

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Trip Cancellation

Reimburses non-refundable expenses for accommodation, activities, and unexpected trip curtailment.

Flight-related Reimbursements

Covers missed connections, hijack distress, flight delays, cancellations, and trip curtailment.

Emergency Medical Expenses

Covers hospitalization, OPD treatment, ambulance costs, and medical evacuations.

Dental Expenses

Includes dental care during travel, subject to policy terms.

Personal Accident Coverage

Provides financial assistance to the insured's family in case of accidental death or permanent disability.

Emergency Cash Assistance

Facilitates fund transfers from India due to theft or robbery while travelling.

Baggage and Content Coverage

Reimburses for stolen or delayed baggage, ensuring your trip continues smoothly.

Personal Liability

Assists in compensating third-party damages while abroad.

Hospital Cash and Loss of Documents

Pays a daily allowance for hospital stays and covers expenses for lost documents like passports or driving licenses.

Common Carrier Accidents

Provides lump sum payouts for accidental death or disability while using common carriers.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

What Does The Schengen Travel Insurance Policy Not Cover?

The following are the factors not covered under the Schengen Travel Insurance Policy:

Breach of Law or War

Health issues or sickness resulting from involvement in war activities or illegal actions leading to legal breaches are not covered by the insurance plan.

Intoxicant Substance Consumption

Any claims arising from the consumption of intoxicants or banned substances are not entertained under the policy.

Pre-Existing Diseases

Treatment costs related to illnesses existing before the insured travel period are not covered, including medical care for pre-existing conditions.

Cosmetic and Obesity Treatments

Any expenses incurred for cosmetic or obesity-related treatments during the insured travel are not covered by the policy.

Self-Inflicted Injuries

Hospitalization or medical costs resulting from self-inflicted injuries are not included in the insurance coverage.

Adventure Sports Incidents

Injuries or medical expenses resulting from participation in extreme or adventure sports are not covered.

Non-Medical Evacuation

Costs associated with non-medical evacuation from war zones or conflict areas are not part of the coverage.

High-Risk Activities

Incidents occurring during high-risk activities, such as skydiving or mountaineering, are excluded from the policy coverage.

Non-Compliant Medical Care

Expenses from seeking medical care not compliant with the policy terms and conditions are not reimbursed.

It's crucial to thoroughly review the policy documents to understand the exclusions to avoid any misunderstandings or unexpected expenses during travels within the Schengen Area under the Schengen travel insurance plan from India or any other non-Schengen country.

Why HDFC Ergo?

Here are a few reasons why you should choose HDFC Ergo for your Schengen Travel Insurance:

• 24/7 Support: We prioritize your peace of mind with round-the-clock customer care and dedicated claims approval, offering unwavering support during challenging times.

• Millions Secured: At HDFC ERGO, we've safeguarded over 1 Crore smiles, redefining relationships by consistently delivering reliable and affordable insurance solutions.

• No Health Check-ups: Enjoy hassle-free HDFC ERGO Travel Insurance without the need for any health examinations before obtaining your policy.

• Paperless Convenience: Embracing a digital world, we offer an online policy issuance process with minimal documentation, ensuring your policy lands directly in your inbox.

At HDFC ERGO, we strive to redefine the insurance experience, providing accessible, dependable, and flexible travel insurance solutions tailored for various travel needs, including those seeking Schengen visa insurance from India.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

List Of Countries Where Travel Insurance Is Mandatory

Schengen countries.

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

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Frequently asked questions, 1. how long should the schengen travel insurance be valid for.

It should cover the entire duration of your intended stay within the Schengen Area, including any extensions if planned, as mentioned in your visa application.

2. Does Schengen Travel Insurance cover pre-existing medical conditions?

Typically, no. Most policies do not cover expenses related to pre-existing medical conditions unless explicitly mentioned otherwise in the policy terms.

3. Can I purchase Schengen Travel Insurance from India?

Absolutely, various insurance providers in India offer Schengen Travel Insurance policies that meet the requirements for obtaining a Schengen visa.

4. What is the minimum coverage required for Schengen Travel Insurance?

The policy must have a minimum coverage of €30,000 or its equivalent in Indian Rupees for medical emergencies, as mandated by Schengen visa requirements.

5. Do I need Schengen Travel Insurance if I have other travel insurance?

It's essential to have specific Schengen Travel Insurance that meets the visa requirements, even if you have other travel insurance. Ensure the policy explicitly mentions coverage for the Schengen Area.

6. Can I buy Schengen Travel Insurance after arriving in a Schengen country?

It's recommended to purchase the insurance before your trip begins. However, some providers might offer options to buy or extend coverage after arrival, but it's advisable to do it beforehand.

7. Does Schengen Travel Insurance cover adventure sports and high-risk activities?

Usually, standard policies might exclude coverage for high-risk activities. If planning such activities, it's wise to check and opt for additional coverage if needed.

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What Is Schengen Travel Insurance?

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Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.

Do you intend to visit a Schengen nation this year? Before you leave on your trip, purchase Schengen visa insurance for Europe and travel insurance for a Schengen visa!

Travellers must get Schengen travel insurance, which safeguards them from unanticipated circumstances that could jeopardise their vacation by offering financial help in various situations.

Why Do You Need Travel Insurance from India to Schengen?

Schengen travel insurance and a Schengen visa are requirements for travel to any of the listed Schengen nations. Getting Schengen travel insurance is mandatory for most categories of Indian nationals travelling to the region.

You require Schengen travel insurance for the following reasons:

• To pay for emergency medical needs. Imagine that you are ecstatic about your upcoming trip to Europe. You anticipate discovering the cafes, strolling through the ancient streets, and sampling the diverse food. But all of a sudden, you fall sick and need to see a doctor.
• Your medical travel insurance for a Schengen visa will save the day. Hospitalisation, accidents, and even emergency dental pain relief are covered by it.
• To address potential issues that may arise while travelling. Nothing is worse than getting excited about a trip only to be completely derailed by an unforeseen event. Even though we have no control over what will happen, we want to be present to handle the fallout.
• Schengen visa travel insurance from India will protect you no matter what happens, including flight delays, trip cancellations, missed flights, passport loss, and even bounced reservations. It will reimburse you for the limitations specified in the insurance policy document.
• To protect what you value in your home country. Consider that you have already begun your travel when you suddenly learn that a family member has become ill. You couldn't take advantage of the upcoming vacation at that point. Additionally, you would undoubtedly require financial aid. Travel insurance for a Schengen visa from India reimburses your airfare and lodging expenses and even pays for any property damage.

Benefits of Having a Schengen Travel Insurance Policy from Bajaj Allianz General Insurance

Bajaj Allianz offers a Schengen travel insurance policy to individuals travelling to the Schengen area. The benefits of having a Schengen travel insurance policy are as follows:

Premium Amount

Bajaj Allianz General Insurance Company’s premiums make the policy an affordable option even for travellers on a budget..

Claim Procedure

Bajaj Allianz's Schengen travel insurance policy offers a paperless smartphone-enabled claim settlement process, making it a hassle-free and convenient way to file a claim.

Claim Settlement

Bajaj Allianz's Schengen travel insurance policy provides 24x7 claim settlement services, meaning that policyholders can file a claim any time of the day. The company also offers a missed call service at +91-124-6174720, allowing policyholders to request a call back to initiate the claim process.

Number of Covered Countries

Bajaj Allianz's Schengen travel insurance policy covers 27 countries providing comprehensive coverage to travellers.

Inclusion of Deductibles

Bajaj Allianz's Schengen travel insurance policy has certain deductibles that the policyholder must pay for any covered expenses specified in the policy terms.

Add-on Benefits

Bajaj Allianz's Schengen travel insurance policy offers several add-on benefits, including adventure sports coverage, hospitalisation, baggage delay, loss of passport, emergency cash advance, trip cancellation, and more. These benefits provide additional protection and peace of mind to travellers.

Types of Schengen Visas

It's crucial to understand which Schengen visa category best suits your trip before buying travel insurance for a Schengen visa in India:

Uniform Schengen visa

– It consists of two types of visas:

• Anyone flying through a Schengen nation and in transit requires a ‘Type A’ Schengen visa.
• ✓ Single-Entry Visa:The holder of a single-entry visa can enter the Schengen region only once as mentioned in the visa. Upon exit, the holder cannot re-enter the Schengen region even if they have not spent the permissible days as per the visa issued.
• ✓ Double-Entry Visa: Double-entry visa works in the same way as a single-entry visa, except you can return to a Schengen region once again after your exit.
• ✓ Multiple-Entry Visa: As the name suggests, a multiple-entry visa allows the holder to visit the Schengen region multiple times during the visa duration, till the time they do not violate the 90/180 rule. Depending on the frequency of your visit, you can opt for 1-year, 3-year, or 5-year multiple-entry visa.

National Schengen Visa or ‘Type D’ visa -

- Travelers who intend to stay in a Schengen nation for an academic programme, research, or educational purposes, professionals, international students, and individuals stranded in a Schengen nation due to a medical emergency and other relevant circumstances are all eligible for a National Schengen visa. It can be valid for more than 90 days and up to 1 year.

Ensure you get your travel insurance for a Schengen visa before your trip.

Schengen Visa Procedure - Explained

You can apply for a Schengen visa once you have purchased offline or online travel insurance. Even if the deadline is 15 days before the trip, it is best to apply for your Schengen visa at least 30 to 60 days before your trip begins. This is because processing times at the embassy or consulate where you apply for a Schengen visa could range from two weeks to two months.

Here's how to approach it:

Determine why you are travelling to a Schengen country and choose the appropriate Schengen visa type. These consist of:

• Transit Visa
• Tourist Visa
• Business visa
• Family and friends’ visitation visa
• Visa for official visits
• Visa for cultural and sports activities
• Medical visa

Submit an application to the embassy of the Schengen nation you plan to visit. Apply at the consulate or embassy of the primary destination nation if you travel to more than one Schengen country.

Choose an appropriate application window, with the earliest date being six months before the trip and the latest date being fifteen days before your trip.

Schedule an appointment with the Schengen nation's consulate, embassy, or visa centre. Most applications are submitted online, but if your preferred Schengen nation requires an in-person booking, you must adhere to that requirement.

You will receive the Schengen visa application form, which you must fill out with information about yourself, your background, your intended reason for travelling, and other pertinent information. Read the whole set of instructions before you begin filling out the form.

After completing the application form, gather the necessary paperwork (as specified above) and attach it to your submission. You will be notified of your appointment for a Schengen visa interview.

The cost of Schengen travel insurance visas varies between insurers.

What are the Travel Documents Required While Travelling from India to the Schengen?

All the paperwork needed for a Schengen visa is listed below:

• A printed copy of the visa application form duly filled out and signed
• Two recent passport-sized photos with a light background. .
• A valid Indian passport not more than ten years old with at least three months remaining on its validity after the date you want to leave the selected Schengen nation
• Evidence of lodging for your stay in the selected Schengen country and region.
• Travel insurance for the Schengen region with coverage of at least €30,000. Such travel insurance coverage must also have protection against accidents, unanticipated medical situations, and evacuation and repatriation.
• Flight schedules and travel tickets within and outside the Schengen region.
• A cover letter outlining why you're visiting the selected Schengen country.
• Your marriage certificate
• Filing tax return evidence for the last three years
• Recent six-month bank statement
• Child's birth certificate
• Ration Card Documentation demonstrating your ability to pay for your stay in the selected Schengen country
• Proof of admission if you are travelling as an overseas student; a letter of employment if you are travelling on business
• A guarantee form
• A copy of your host’s passport
• Proof of residence of your host
• Your detailed travel itinerary including hotel accommodations or a formal invitation letter.
• A copy of a medical certificateter.
• A copy of the confirmation of the treatment
• Proof of financial means
• An invitation letter from the host or the company that you plan to work with and other necessary details about the purpose of your business visit.
• A confirmation letter from the employer or client for the journalistic trip
• An invitation letter, if applicable
• Your identification proof as a journalist

If you are travelling to the Schengen region for a cultural exchange, there are additional documents required, based on the purpose of your visit. Please get in touch with your travel agent, the embassy of the country you are visiting, or consulate for additional information about it.

Note: If you are applying for a Schengen visa, insurance is mandatory and you must describe why you are travelling to the Schengen region on the application form and in the embassy interview.

Which are the Schengen Countries?

Before you get medical travel insurance for Europe, knowing about the Schengen countries is vital. The countries include: 

Things to Do in Schengen Countries

The Schengen countries provide a wide variety of activities. Make sure you stay safe by buying travel insurance coverage to be safe at all times. You may travel to a well-known location like France and see the Eiffel Tower at dusk. You may travel to places like Greece and Vienna, awash with history on every side street.

You may travel to countries like the Czech Republic, Hungary, and Austria, which are rich in architectural history. While shopping in Germany and Belgium, you might indulge in the diverse cuisines of Italy and Spain. You can buy travel insurance online in a simple and hassle-free manner.

Best Time to Visit Schengen Countries

The highest temperature in Schengen countries never rises over 23 to 25 degrees Celsius so you may travel there any time of year. Even 24-degree weather can appear nice because most of India experiences hotter temperatures than those in Schengen nations. Make sure you get your travel insurance before travelling. There are four seasons in Schengen nations:

• During the summer, when temperatures range from 14 to 24 degrees Celsius (December – February
• Autumn, with temperatures ranging from 7 to 14 degrees Celsius (September – November).
• Spring, when the temperature ranges from 2 to 18 degrees Celsius (June – August). .
• Wintertime is when the temperature is around -10 degree Celsius temperature (March-May).

You can keep safe by getting your Schengen travel insurance online.

GOT A QUESTION? HERE ARE SOME ANSWERS

Why do i need travel insurance for the schengen area.

If you wish to go to any of the 26 nations that make up the Schengen region, you must have travel insurance for a Schengen visa. In addition, it is usually preferable to have financial security in an emergency that could deplete your resources

How long does it take to get a Schengen visa?

If everything in your application is complete, true and correct, processing a Schengen visa typically takes two weeks. In some unique circumstances, the embassy or consulate may require up to 30 days to process a Schengen visa. The visa processing can take up to 60 days due to some exceptional circumstances.    

Are business travellers eligible to purchase Schengen travel insurance?

Yes, business travellers are required to purchase a Schengen travel insurance policy. Business visas are one of the most common Schengen visas.

And to avoid any hassles, anyone travelling for business or professional reasons must purchase a Schengen visa insurance policy.

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Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

• Must cover medical expenses up to a minimum of €30,000
• Must be valid for the entire duration of your stay
• Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

• Your name (as the policyholder)
• Policy number
• Total coverage amount, which should be no less than €30,000 (or $50,000)
• Dates of validity (must cover the entire duration of your stay in the Schengen area)
• Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

• Destination Country
• Citizenship
• Residence/Home country
• Coverage Start Date
• Coverage End Date
• Arrival Date
• Date of Birth
• Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Key Benefits:

• € Medical Sum Insured - 30,000
• € Personal Accident - 10,000
• Compassionate visit

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• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
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Schengen Travel Insurance

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What is a Schengen Travel Insurance Policy?​

Schengen travel insurance policy is a compulsory travel medical insurance for visiting Schengen countries. This area-specific travel insurance protects you against a wide range of medical and other emergencies during your Schengen trip. A Schengen travel insurance plan offers coverage for emergency medical hospitalisations, accidental medical expenses, passport loss, baggage loss, luggage delay and other travel-related contingencies.

Just as you need an American Visa to visit the USA, you need to have a Schengen Visa to visit Schengen countries. You’re required to submit some documents to initiate the Schengen Visa application process. One of these documents includes Travel Insurance for Schengen Visa, which allows you to move freely in Schengen countries. It ensures that you have the compulsory minimum medical coverage of EUR 30,000 to secure you in case of medical emergencies.

Our Reliance Travel Care Policy: Schengen Plan provides coverage for medical emergencies, passport loss, baggage delays, baggage loss, personal accidents and liabilities, accidental death and compassionate visits. It is your trusted #TravelKaYaar for a worry-free and seamless trip in the Schengen Zone. Unlock the doors to hassle-free exploration in the Schengen countries with Reliance Travel Care Policy: Schengen Plan today!

Why Do You Need Schengen Travel Insurance?

It is mandatory to have travel insurance and Schengen Visa to move freely in any of the Schengen countries. Besides this compulsion, it is important to buy Schengen travel insurance to cover yourself from unforeseen circumstances during your trip. Here are some of the reasons why you need to get Schengen Travel Insurance from Reliance General Insurance:

Coverage for Personal Items​

Lost luggage or stolen belongings shouldn't steal the joy from your Schengen trip. Reliance Schengen travel insurance plan provides a cover of up to EUR 300** to help you deal with situations like passport loss. In case of checked-in baggage delay or baggage loss, it helps you buy or reimburse the cost of purchasing necessary emergency personal items like toiletries, medication and clothing.

Protection During Medical Emergencies

Imagine you fall sick during your trip to Paris and need medical assistance. In such scenarios, Schengen travel medical insurance policy will cover medical expenses up to EUR 50,000**. This includes medical hospitalisation for any sudden illness or injury or COVID-like conditions, the cost of transportation to reach the nearest hospital or physician, accidental dental treatment and repatriation of mortal remains.

Coverage for Event Contingencies

If you accidentally injure or cause damage to a third party during your trip, Schengen travel insurance policy will help you to offer compensation of up to EUR 50,000** for third-party liabilities and damage. This will help you to travel worry-free and enjoy your trip to the fullest.

Benefits of Buying a Schengen Travel Insurance Plan

It is quite exciting to visit the Schengen countries – be it for personal business or leisure. More than just getting the mandatory travel insurance for Schengen Visa, you need to buy a Schengen travel insurance policy to protect you in case of unforeseen emergencies. Our Reliance Travel Care Policy: Schengen Plan offers a range of benefits to ensure you have a wonderful trip:​

Coverage for Lost or Delayed Baggage

We won’t let anything ruin your Schengen trip – not even delayed or lost baggage. Our Schengen travel insurance policy provides compensation of up to EUR 500** in the unfortunate event of the total loss of your checked-in baggage by a common carrier. It also reimburses up to EUR 100 for purchasing necessary items like medications, clothing and toiletries in case of baggage delays.

Support for Passport Loss

Anything can happen when you’re not careful – you may misplace your passport or even lose it. Worry not. Reliance Travel Insurance for Schengen provides reimbursement of up to EUR 300** to help you get a duplicate or fresh passport if you lose your passport during your Schengen trip.​

Medical Emergency Cover

Our Schengen travel medical insurance plan will take care of all your emergency medical expenses incurred during your Schengen vacation or stay. It will provide coverage of up to EUR 50,000** to help deal with emergency hospitalisation bills, transportation costs incurred for hospitalisation, and repatriation of mortal remains.​

COVID-19 Coverage

Nothing is worse than contracting the COVID-19 virus on your international trip. Reliance Travel Insurance for Schengen will help you take care of your medical hospitalisation and medical bills (up to the limits specified in the policy schedule) in case you’re diagnosed with this virus during your trip.

Third-Party Liability Cover

Accidents happen and sometimes you might involuntarily hurt or injure someone. Our Schengen travel insurance policy offers compensation of up to EUR 50,000** to help you cover any third-party liability/damages caused by you during your Schengen stay. Specifically, it provides coverage if you accidentally injure a third-party or damage their properties.

Compassionate Visit

Our Schengen travel medical insurance policy also offers the compassionate visit cover** to help you during emergency hospitalisation abroad. Suppose you’re travelling solo and get hospitalised for more than seven consecutive days during your Schengen trip. Our travel insurance plan for Schengen will ensure that you’re not left alone and arrange for one of your family members to be with you during your hospital stay.

Features of Reliance Schengen Travel Insurance Policy

Reliance General Insurance offers two plans under its Schengen travel insurance policy. Our Basic Plan is created for travellers looking for a Schengen travel insurance policy that offers the mandatory minimum medical coverage of EUR 30,000. However, if you’re someone who is looking for comprehensive protection for your Schengen trip, then our Standard plan is perfect for you. Check the below table to understand the different types of covers offered under our Schengen travel insurance plans:

What’s Covered under Reliance Schengen Travel Insurance Plan?​

Reliance Schengen Travel Insurance Policy covers the following:​

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury on your Schengen trip

Emergency expenses made for medical evacuation to​ India

Total loss of your checked-in baggage by a common carrier

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Emergency medical expenses incurred by you for any sudden illness, injury or death during your Schengen stay or vacation

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days

Expenses incurred while transporting the insured’s mortal remains back home or toward burial abroad in case of an untimely demise

Compensation for a third party in case your involuntary actions result in someone’s demise, cause someone injury or damage to health or property​

What’s Not Covered under Reliance Schengen Travel Insurance Plan?​

Here’s a list of exclusions for your Schengen Travel Insurance Policy:

Expenses incurred if you are traveling against the advice of a physician and have to be hospitalised; receiving or are on a waiting list for specified medical treatment; travelling to receive treatment abroad; have been given a terminal prognosis for a medical condition

Expenses incurred due to suicide; self-inflicted injuries or illnesses; mental disorder; anxiety, stress or depression; Venereal diseases; Alcohol/drug abuse; and HIV/AIDS

War or nuclear threat in the country where you are travelling

Delay or loss of checked-in baggage

Claims arising out of non-disclosed and non-declared pre-existing medical conditions

Any issues faced due to theft or loss of passport when left unattended or if you don’t report the loss to local police authorities

Life-threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. You need to declare all pre-existing diseases while taking the international travel insurance policy​

Why Choose Us?

3 Crore+ Policyholders ^ Widely loved and trusted by our customers

98.6% Claim Settled​ # Hassle-free claims intimation and settlement

Personalised Plans Plans specially created to meet every need

Which are the Schengen Countries?

The Schengen Zone comprises 27 European countries, including Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. These Schengen countries have abolished their internal borders, enabling tourists to freely explore these countries via road, train or airplane without any restrictions. Here is the latest list of Schengen countries:

Czech Republic

Liechtenstein

Netherlands

Switzerland

How to Buy Travel Insurance for a Schengen Visa?​

Having a valid travel insurance plan is one of the prerequisites for your Schengen Visa application process. Thankfully, you can easily buy travel insurance online for Schengen countries through Reliance General Insurance. Just follow these steps and you are all set for your upcoming Schengen trip:

Step 1: Scroll up and give us your details including mobile number, email ID and travel destination.

Step 2: Select your plan and click on ‘Buy Now’.

Step 3: Check your premium details and enter your personal details, including passport number and nominee details.​

Step 4: Complete payment using your preferred mode of payment and get insured for your upcoming Schengen trip.

How to Apply for a Schengen Visa from India?​

You have to buy a travel insurance policy before you can apply for a Schengen Visa. You need to submit your duly filled Schengen Visa application form at least 15 days before the intended journey. However, it is advisable to submit your application at least a month before your journey as it may take up to 15 days to get your visa approved. Here are the steps to apply for a Schengen Visa from India:

Fill out the Schengen Visa application form.

Select the Schengen Visa type (Tourist Visa, Student Visa, Business Visa, etc.)

Collect all documents required for the Schengen Visa application process

Schedule a Visa interview and submit your Schengen Visa application form.

Pay the Visa fees and wait for your application to be accepted

Documents Needed for a Schengen Visa​

Here’s a list of documents you need to apply for a Schengen Visa:

​A Schengen Visa application form (you can download it from a consulate or Schengen embassy website)

Two recent passport-sized photographs

A valid passport and previous passports, if applicable

No objection letter from your employer or

A cover letter stating the purpose of your visit

Travel insurance with a medical cover of up to EUR 30,000

Proof of accommodation during your Schengen stay

Proof of booked flights and itinerary

Proof of your financial stability (eg bank statement)

Points to Remember Before Buying a Schengen Travel Insurance Plan

You need careful planning to ensure your upcoming Schengen stay or vacation is safe, wonderful and worry-free. This includes key factors like choosing the right Schengen travel medical insurance policy that provides comprehensive coverage across your travel destinations. We advise you to consider the following factors while buying Schengen travel insurance online:

Coverage Offered

You need to compare coverages offered by different Schengen travel insurance plans to make an informed decision. Remember that it is mandatory to have a minimum travel medical insurance of EUR 30,000 to get a Schengen Visa. Besides this, you should look for an international travel insurance policy that covers passport loss, baggage delay, baggage loss​, flight delay, trip cancellation or interruptions and more.

Schengen Travel Insurance Premium

Your Schengen travel insurance premium is affected by several elements. These include the travel destination, the length of your stay, sum insured, the type of travel insurance, number of travellers and their age. It is important to understand that a cheap Schengen travel insurance plan may not provide the best coverage. You need to compare different international travel medical insurance plans for Schengen before making a decision.

Destinations Covered

If you are planning to visit only one country in the Schengen area, then it’s okay to buy an international travel insurance policy for that destination only. However, you need to buy a travel insurance plan that covers all the countries in the Schengen area if your itinerary includes stays in multiple Schengen countries. Carefully check ​your Schengen travel insurance policy as some plans have limitations on certain countries.

Visa Requirements

Many popular travel destinations like Maldives, Qatar and Indonesia provide visas on arrival to Indians. But you need to apply for a Schengen Visa if you want to visit any of the 27 Schengen countries. One pre-requisite for the Schengen Visa application process is having an overseas travel insurance plan with a minimum medical coverage of EUR 30,000. You need to ensure that your Schengen travel insurance plan aligns with this requirement to get your visa approved.

Customer Reviews

Check online reviews shared by customers about their experience with the insurance company’s buying process, coverages and claim process. This will give you an idea of how the insurer delivers on its promise of securing your trip. For example, you can look for positive reviews and ratings about customer support. Choose a company with a proven track record of reliability, customer satisfaction and seamless claim settlement.

Factors That Affect Schengen Travel Insurance Premium​

Multiple factors influence your Schengen travel insurance premium. These factors include:

1. Covers Sel​ected: Your premium is influenced by the extent of your coverage limit. For example, you choose a plan that has a high sum insured for medical expenses and other trip-related contingencies. The premium for such plans will be higher than the basic plans.

2. Age of the Travellers: Age is one of the critical factors impacting your international travel insurance premium. Usually, the premium for young travellers is lower than the premium for senior citizens as they have potentially lower health-related conditions and risks.

3. Duration of Your Stay: Your Schengen travel insurance premium is also affected by the number of days you will be travelling or staying in the Schengen area. Longer stays may lead to higher premiums due to the longer period of risk exposure.

4​. Travel Destination: Different countries have different healthcare costs and risk-inducing factors. Your overseas travel insurance premium will vary depending on the Schengen countries you plan to visit.​​​​

How to File a Travel Insurance Claim?​

Register Claim: Intimate your claim to Reliance General Insurance within 24 hours of occurrence of claim​​

Claim Process: Submit all required documents to Rcare and we’ll start processing your claim

Claim Approval: Once your claim is approved, the payment is made by NEFT

What are the Documents Required to File a Claim?​

You need to submit different documents for a travel insurance claim arising due to different contingencies. There’s a different set of documents required for claims related to loss of checked-in baggage, medical emergencies and personal accident death/permanent total disability. Here’s the list:

1. Total Loss of Checked-in Baggage

Duly filled and signed original Claim form

Copy of boarding pass and ticket

Confirmation letter from the airlines specifying the incidence details

Original FIR report from the relevant police authority in the event of loss or theft

Photo ID proof

Original Cancelled CTS 2010 Compliant cheque leaf for NEFT

Any additional document as required by the company to assess the claim

2. Personal Accident Death / Permanent Total Disability

Completely filled and duly signed original claim form

Original attested copy of death certificate/Disability certificate issued by authorised officer

Attested copy of First Information Report(FIR)/Inquest Panchanama/Spot Panchanama as applicable for the claim

Attested copy of the post-mortem examination report in case of Death Claim or Death summary

Copy of Photo ID proof of the Insured/Nominee (PAN/Driving license/passport copy/Ration card)

Original CTS 2010 compliant cancelled cheque with printed name/account No. of the Insured/Claimant

Copy of Boarding Pass and Ticket

Confirmation letter from the Airlines regarding the incident.

3. Emergency Medical Expenses

Filled and duly signed Claim form, in original​

Copy of Boarding pass and Ticket

Confirmation letter from the Airlines regarding the incidence

Complete treatment records like discharge summary, consultation papers with supporting investigation reports like X-ray/MRI etc.

Copy of Medico-Legal Certificate (if made)

Original Hospital Bills along with cash receipt

Original cancelled CTS 2010-compliant cheque leaf for NEFT

Want to extend your trip? Take a look at this-

If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.

Disclaimer:  ​ ** The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Schengen – Standard Plan.  ## The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.  ^ The total no. of customers insured data is for FY22 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.  # This is the overall claim settlement ratio for FY 21-22 as per public disclosure of Reliance General Insurance.​  * T&C apply​. Details mentioned here are for Reliance Travel Care Policy - Schengen Plan​ UIN: RELTIOP08002V010708.

• ​Coverage of  pre-existing ailment s upto 70 years , in case of life-threatening ailments ​
• ​​​​ ​ ​​ Automated extensions  for your Schengen travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)
•  A plethora of travel insurance plans for individuals to the entire family​​ ​
• Quick Facts

​As per the Schengen agreement, there are 26 European countries that belong to the Schengen area. In order to travel to these countries, it is mandatory to avail a Schengen travel insurance policy as per Schengen rules. Thus, in simple terms, you won’t be able to visit a Schengen country unless you have a valid travel insurance policy conforming to Schengen regulations. ​​​​

​Yes, if you are travelling to Schengen countries. Without International travel insurance, you cannot avail a Schengen visa. Please note that although all Schengen countries are in Europe, all European Union countries do not fall under the ambit of Schengen regulations. For example, the UK and Ireland. That said, considering the security that a travel policy offers, it is advisable that one must avail travel insurance.

Deductible means a cost-sharing requirement under this travel insurance policy that provides that the insurer will not be liable for a specified monetary amount or for a specified number of days / hours which will apply before any benefit are payable by Insurer. A deductible does not reduce the Sum Insured. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.​

Anyone between 3 months to 80 years is eligible for a Schengen Travel Insurance Policy.​

The travel policies are recognized and accepted all over the globe. For your assistance we have International presence through the service provider. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.​​​​

​A business or corporate travel insurance policy is beneficial in case you:

• have large number of employees travelling at different times.
• have large number of travelling days.
• want to cover certain risks for certain employees.
• need worldwide coverage.
• have high turnover of employees.
• want to cover employees from various group companies.
• want to minimize documentation.
• want simple and easy administration.

​No, these policies cannot become a part of the corporate plan. You can choose to continue with these standalone policies and thereby opt for those many less number of travel days in the group policy.

Alternatively, if you want all the executives to be a part of one plan, then you can cancel those standalone policies prematurely and make them a part of your corporate group policy.

Yes. We have designed all our travel insurance plans to meet both the requirements, that of leisure and business. Individuals travelling abroad on business purpose can also avail the facility of our Overseas Travel plan, while those who are frequent visitors to abroad can opt for our Annual Multi-trip Insurance.​

​An FIR (First Information Report) is required in cases of:

• Loss of passport
• Claim under Home burglary insurance
• Accidental Claims under Personal accident section
• Personal liability
• Financial emergency

​The cost of travel insurance to Europe depends upon several factors. The primary factor is the duration of the trip. The next ones that have a direct impact on the cost (i.e. premium) are age and health. The perceived risk increases with an increase in age, thus a higher age translates to a higher premium. If you have a pre-existing medical condition such as asthma or diabetes, the insurance cost will rise as well.  You can avail several add-on covers that enhance your coverage limits and inclusions, which add to your premium amount. You will find different plans giving you an option to choose the sum insured amount, which is the maximum amount of claim settlement you are entitled to when you file a claim with the Travel Insurance Company. The higher the sum insured amount, the higher will be your premium.

​Zero paperwork​​​​​​

To cancel your policy, all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you, your policy will be cancelled within one day.

​The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

​You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days.

​Yes, we refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left from the expiry date.

​Yes, with Reliance Schengen Visa Travel Ins urance you can!  If your holiday is extended for any reason, we recommend that you extend your  travel insurance  policy. It always better to be safe than sorry!  Download and fill the Extension​ Form and visit the nearest branch.​​

Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling. Any basic travel insurance policy will cover you for:

• Medical Expenses Including Transportation, Evacuation And Repatriation Of Mortal Remains
• Personal accident

Apart from these, you can opt for covers like:

• Dental treatment
• Delay / Total loss of checked in baggage ​​
• Trip delay, cancellation and interruption, Missed connection
• Home burglary insurance
• Accidental Death  - Common carrier​

​Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:

• Medical expenses
• Emergency medical evacuation
• Transport of mortal remains
• Total loss of checked-in baggage
• Delay of checked-in baggage
• Personal accidents
• Accidental death & dismemberment
• Daily allowance in case of hospitalisation
• Financial emergency assistance
• Hijack distress allowance
• Trip cancellation and interruption
• Missed connections

Yes, it does. We will reimburse your dental expenses for any acute anesthetic treatment of teeth due to an Injury​.

​In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.

However, the travel insurance policy will not cover you if your passport. . .

• is confiscated or detained by customs officials, police offers or police authorities.
• Is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle.
• has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

Your policy provides reimbursement for delays in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.​

This cover for delay will not be available in the following cases:

• If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by the carrier, is procured and submitted.
• If there is a partial loss of the items contained in the checked-in baggage.
• If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
• If the valuables, money, securities, tickets and passes or any other item(s) are not declared.
• If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
• If the losses are incurred due to complete/partial damage to the checked-in baggage.
• If the checked-in baggage is delayed in the inbound sector to India.

This amount will be up to a maximum, as mentioned in your policy.

The loss of handbag is not covered. Your policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

​Your policy will pay the necessary expenses incurred while obtaining a duplicate or fresh passport after coming to India. This will be up to the maximum sum insured mentioned in your policy.

​This particular travel health insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan. To understand the benefits better click here .​​​​​

​Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.​

Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can eve avail of a daily allowance subject to plan opted​.

​This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds / cash, this cover will not be able to help you.

​In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.

​In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.

If you opt for the Home Burglary cover, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.

• you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
• an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

​A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.

Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.​ ​

If any illness / injury during the period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.​

In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.

In the event the Insured/Insured Person is hospitalised for more than seven consecutive days, and his/her medical condition forbids repatriation and no adult member of his/her immediate family is present, the Company after obtaining confirmation of need for a companion from the attending doctor and the Emergency Assistance Service Provider, will provide the following:

a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member, during the entire period of insurance, to be at his/her bedside for the duration of stay in the Hospital

b) expenses towards stay of the immediate family member during such compassionate visit.​​

​Yes. Please read your  policy document  carefully to understand what risks you are covered for and what is not covered. Ensure, you have the cover you need.

No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.

With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:

• Online payment
• IVR online payment
• Free Cheque pickup
• Mobile payment
• Payment at any Reliance branch office

You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.

​The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us.

As and when an individual employee travels, his details need to be intimated to us. The premium amount, based on the employee's number of days of travel, age and some other details, would be adjusted in this float amount. Similarly, let us know as and when you add or delete a person, so we can adjust the float amount.

​Yes, we do give group discounts. The details are as follows:

Although we do not have specific time frame we would certainly like the travel insurance claim to be intimated as soon as possible, for better assistance.​

The documentation will vary depending on the type of the claim. Here’s a comprehensive list of requirements for the various types of covers. Medical & Emergency Expenses

• Claim form with the surgeon's signature
• Copy of your travel policy
• Doctor's report
• Original admission/discharge card
• Original bills/receipts/prescription
• Original X-ray reports/ Pathological/ Investigative reports
• Copy of passport/visa with entry and exit stamp.

Loss of Baggage

• Claims form
• Copies of baggage tags
• Copies of correspondence with the airline authorities or others about loss of checked baggage
• Property Irregularity Report (obtained from Airline)
• Details of compensation received from airlines/other authorities if any

Delay of Baggage

• Copies of correspondence with the airline authorities certifying the delay
• Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

Loss of Passport

• Copy of new passport
• Copy of previous passport (if available)
• Original bills/invoices of expenses incurred for obtaining a new passport
• Copy of FIR/ Police Report

Trip delay / cancellation/ interruption/ missed connection

• Confirmation from the airlines clearly mentioning the scheduled arrival time and the actual arrival time
• Medical reports and doctors statements if the trip is cancelled or interrupted due to medical reasons
• Termination letter from the company if trip is cancelled or interrupted due to employment reason
• Police report confirming the incident if the delay is due to any other insured events
• Original tickets of the insured and the travelling companion indicating travel to the same destination for the same dates in case the cancellation or interruption is due to the sickness injury or death of a travelling companion
• All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers

Personal Liability

• A detailed statement mentioning details of the incident
• Witness statements
• Any other documents relevant to the incident including Summons Legal Notice etc.
• Any other information you would like to share with us.
• Full statement of the events in writing
• Airline correspondence (copy of Passenger List etc.)
• Copy of ticket/ Boarding Pass

Accidental Death

• Original Death Certificate
• Copy of FIR/Police inquest report/Coroners report
• Copy of Post Mortem report.

Dismemberment Case

• Copy of treatment papers along

Financial Emergency Assistance

• Date of loss
• A detailed statement
• Court order stipulating the required amount as bail bond
• Police report.

Sponsor Protection

• Medical reports or doctor's statement giving the details of the sponsor and cause of death certificate of the sponsor

Please remember any medical statements from relations / spouse will not be accepted. Compassionate Visit

• Medical reports and certificate from the doctor confirming hospitalisation of the insured, reason of hospitalisation and duration of hospitalisation
• Doctor's statement specifically stating the need for an attendants

Study Interruption

• A detailed statement.
• Medical reports or doctor’s statement
• Death certificate as a proof of the reason of study interruption (in case of death of immediate family members)
• Receipts of the university fees paid

Please remember any medical statements from relations / spouse will not be accepted. Home Burglary

• Copy of the FIR
• List of items stolen along with year of purchase and value

Dental Treatment

• Original medical bills/receipts

Yes, Europ Assistance has a global presence in all the major countries. Post approval of the claim Europ Assistance can place a guarantee to the Hospital/providers and make the cashless claim.

Further, under Cashless Services, if the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be, will guarantee to the Hospital/other providers the costs of hospitalisation, transportation for emergency services, and transportation home of the Insured. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.​

Average Rating:

Showing 10 reviews

While making my first trip through France, I didn't even know about Schengen travel insurance. But after buying travel insurance from Reliance General, I've discovered travel needs can be easily taken care of.

My son couldn't take the cold weather and developed high fever. Expenses weren't a problem since we had purchased this international travel insurance. We had to extend our day for 3 more days as my kid was admitted. Since we couldn't take the flight, we had to reschedule. Fortunately, the travel insurance covers that too.

On my backpacking trip through Europe, my wallet was stolen on a train and I had no money left. Thankfully, my travel insurance plan had a provision for cash in case of emergencies. Reliance General has very good travel insurance plans.

Fast service given while facing an emergency. I was in Europe for a business conference and my baggage was lost. Your customer service representatives helped me out a great deal. Good going Reliance General Insurance.

Taking my family for a vacation to Europe. Since I am taking my two year old daughter, I can't risk anything happening. Taking this travel insurance as a precaution. Good policy, covers all the risk.

My younger sister is currently in Europe on a 20 day trip and while searching for a good travel insurance for her I came across reliance travel insurance. As far as i know they seem to have the best rates and process was also easy

My Mom and Dad recently went on a Euro trip. I insisted them to take a Reliance travel insurance (after researching online) as it was an international trip. Fortunately, this came in handy as their bags were delayed for 2 days but they could enjoy the trip without a worry because of the reimbursements.

After comparing different Schengen travel insurance plans, I found this to be the best.

It is a low cost travel plan and has a brilliant customer service.

Definitely the best European travel insurance I have taken.

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• For Individuals
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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Christmas Islands
• Cocos Islands
• The Democratic Republic of the Congo
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• French Polynesia
• Guinea Bissau
• British Indian Ocean Territory
• British Virgin Islands
• Caribbran Netherlands
• Ivory Coast
• Faroe Islands
• French Guiana
• Liechtenstein
• Marshall Islands
• Saint Barthelemy
• Saint Kitts Nevis
• Saint Martin
• Saint Pierre and Miquelon
• Hong Kong SAR
• Isle of Man
• Korea, Republic of
• Myanmar (Burma)
• The Netherlands
• New Caledonia
• New Zealand
• Norfolk Islands
• Northern Mariana Islands
• North Macedonia
• Palestinian Territories
• Papua New Guinea
• Philippines
• Puerto Rico
• Saint Helena
• Saint Lucia
• Saint Vincent Grenadines
• Sao Tome & Principe
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Island
• South Africa
• South Sudan
• Sudan, Republic of
• Svalbard and Jan Mayen
• Switzerland
• Taiwan, China
• The Holy See
• Timor Leste
• Trinidad & Tobago
• Turkmenistan
• Turks Caicos Islands
• United Arab Emirates
• United Kingdom
• United States of America
• Vatican City
• Virgin Islands of the United States
• Western Sahara
• Vietnam (Online eVisa)
• Lesotho Permits
• Korea, Democratic People's Republic of
• Ghana Permits
• Lithuania Temporary Residence Permit
• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
• Falkland Islands
• Finland Residence Permit
• Faroe Iceland
• Thailand (Online eVisa)
• American Samoa
• Pitcairn Island
• Wallis and Futuna Islands
• Bouvet Island
• Akrotiri and Dhekelia
• Baker Island
• Clipperton Island
• South Georgia and the South Sandwich Islands

Travelling to*

• Schengen countries

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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Travel Insurance For Schengen

Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less.

Please note that this policy is not applicable for more than 180 days on a non-immigrant visa. Kindly ensure your travel duration is 180 days or less.

List of USA and Canada Countries

• France Belgium Czech Republic Denmark Estonia Finland
• Austria Germany Greece Hungary Iceland
• Italy Latvia Liechtenstein Lithuania Luxembourg
• Malta Netherlands Norway Poland Portugal
• Slovakia Slovenia Spain Sweden Switzerland

List of European Union Member States These are not Schengen States but with similar travel insurance requirements.

List of schengen countries, list of european union member states these are not schengen states but with similar travel insurance requirements. our schegen travel insurance covers these countries., list of asia countries.

• Afghanistan Armenia Bahrain Bangladesh Bhutan
• Brunei Cambodia China Cyprus Indonesia
• Iraq Israel Japan Jordan
• Kuwait Kyrgyzstan Laos Lebanon Malaysia
• Maldives Mongolia Nepal
• Oman Pakistan Palestine Philippines Qatar
• Saudi Arabia Singapore South Korea Sri Lanka
• Taiwan Tajikistan Thailand Timor-Leste Turkmenistan
• United Arab Emirates (UAE) Uzbekistan Vietnam Yemen
• Rest of the World
• Russia Turkey Azerbaijan Georgia Kazakhstan

Travel Scope

Please select age group.

List of Schengen States

List of asian countries, non schengen european union states covered under icici schengen travel insurance.

• USA or Canada

Single Trip

Extend policy, travel insurance, in which age group do you fall, what would be the maximum duration of your trips, when do you depart from india for your first trip.

*All the travelling members are Indian residents and will be travelling from India

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Select Travel scope

Where are you travelling to done, planning to visit multiple countries in a single trip.

• Up to 70 years
• 71 and above

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Schengen Visa Process

          Travel Insurance to Schengen countries is mandatory for every traveler. A group of 29 European countries fall into the Schengen Agreement, thus eliminating the internal border which controls them.

STEP 1 : Overview on how to apply for a Schengen Visa

If you intent to visit one of the Schengen countries then you need to apply at the embassy or consulate of that particular country In case you wish to visit multiple Schengen countries, then you must apply for a visa at the embassy or consulate of the country which is your primary of main destination.

STEP 2 : Overview on the documentation break-up required pertaining to the various reasons for visiting Schengen countries

You will have to procure a visa for the initial entry purpose along with a passport that is valid for three months beyond the planned stay period. In case you wish to visit Schengen territories for a period of 2 weeks, then you must have a passport that is valid for a period of 5 months.

Invitation from a firm or an authority to attend meetings, conference or events connected with trade, industry or work Other documents which show the existence of trade relations or relations for work purposes Entry tickets to the events

• Tourism or general visit:

Invitation from the host if staying with one or supporting document from the establishment providing lodging or any other appropriate document indicating the type of accommodation envisaged In the case of transit, tickets for onward destination

• Study or training:

Certificate of enrolment at a teaching institute for the purposes of attending vocational or theoretical course in the framework of basic and further training

• Medical reasons:

An official document from a medical institution confirming necessity for medical care in that institution and proof of sufficient medical funding to pay for the medical treatment

• Official delegations:

A letter issued by an authority of the third country confirming that the applicant is a member of the official delegation to a Schengen State to participate in meetings, consultations, negotiations or exchange programmes, along with a copy of the official invitation.

STEP 3 : Mandate for Schengen countries

While applying for a Schengen Visa it is mandatory to produce a copy of health insurance. The insurance company must have a physical office in the Schengen territory. The insurance policy must be valid for the entire duration of stay. The minimum coverage of the policy has to be Euro 30,000/-. ICICI Lombard offers the comprehensive travel insurance policy at nominal rates, which covers various unfortunate mishaps or medical emergencies which might occur while travelling abroad. It is recommended to buy an ICICI Lombard travel insurance policy while travelling to any of the Schengen territories.

International Travel Insurance

Whether on business, study trip or a vacation, traveling abroad can be exciting. But, along with fun comes the responsibility to stay safe. So, to ensure a smooth and worriless transition abroad, " International Travel Insurance " is the want of the day and also the best suited choice for all overseas travelers.

International Travel Insurance policies can be chosen depending on the kind of travel routine and the coverage can differ as per the age.

Plans offered for single round trip (3 months to 70 years)

Gold Multi Trip Travel Insurance & ( 3 months to 70 years)

Senior Citizen Travel Insurance ( 71 years to 85 years)

KEY BENEFITS: INTERNATIONAL TRAVEL INSURANCE

Get coverage on all the International Travel policies upto 360 days (Original policy for 180 days and extension for additional 180 days)

Sum insured options: Single Round Trip- Upto $ 250,000, Gold Multi Trip- Upto $ 500,000, Senior Citizen- Upto $ 50,000

Sublimits are not applicable for Schengen Countries

No medical check-up required

Cashless hospitalization worldwide

Get coverage on Total Loss of Checked in Baggage, Trip Delay, Loss of Passport, Emergency Cash Advance, Missed (Flight) Connections

Get cover on medical evacuation costs back to India

Avail value added services on Single Round Trip Plan & Gold Multi Trip Plan

Note: * "Life Threatening situations" refers to a medical condition suffered by the insured, which has the following characteristics:

Markedly unstable vital parameters (blood pressure, pulse, temperature and respiratory rate)

Acute impairment of one or more vital organ systems (involving brain, heart, lungs, Liver, Kidneys and pancreas)

Critical care being provided, which involves high complexity decision making to assess, manipulate and support vital system function(s) to treat single or multiple vital organ failure(s) and requires interpretation of multiple physiological parameters and application of advanced technology. Critical care being provided in critical care area such as coronary care unit, intensive care unit, respiratory care unit, or the emergency department.

Customer Reviews

Deepti Sehgal

I already had a few unfortunate experiences in the past where I had fallen sick abroad. I wanted an assurance and peace of mind on my trip to Oslo. Although I didn't fall sick this time but thanks to ICICI Lombard, I had assurance and peace of mind.

Sameer Maheshwari

I was travelling with my friends to Brussels, Belgium. We had finally managed to get tickets for Tomorrowland. The first day went amazingly well, but when we came back to our tents, we found that my friend and I are missing our luggage. Thanks to ICICI Lombard travel insurance, we received appreciable coverage.

ICICI Lombard also offers insurance for the below products

Two Wheeler Insurance

Car Insurance

Health Insurance

Home Insurance

Wonach suchen Sie?

Willkommen auf den seiten des auswärtigen amts, information on travel medical insurance.

Please note: German Missions accept Indian Travel Medical Insurances only from approved Indian Travel Insurance companies.

The list of Indian travel insurance companies offering travel medical insurance for the Schengen visa process has been approved by the consular missions of the Schengen countries, effective of July 2022.

Please note that the German Missions only accept Indian Travel Medical Insurances from approved Indian Travel Insurance companies listed below.

APPROVED LIST OF INDIAN TRAVEL INSURANCE COMPANIES OF THE CONSULAR POSTS OF SCHENGEN STATES PROVIDING TRAVEL MEDICAL INSURANCES FOR SCHENGEN VISA PROCEDURE EFFECTIVE OF JULY 2022

This list is applied by the Schengen States of Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland as well as the European Union Member States of Bulgaria, Croatia, Cyprus and Romania. Consular Posts of Schengen States approved the travel medical insurance policy schemes for corporate travels of travel insurance companies on this list with 70 years of age as upper limit of appropriate full coverage. Acceptance of travel medical insurance policy schemes for group travels (e.g. tour or incentive groups) with 70 years of age as upper limit of appropriate full coverage is conditioned by the Consular Posts of Schengen States ability to check the coverage of individual members of these groups in the Travel Insurance Portals of Non-Life Insurers of the General Insurance Council. Failure of this verification may lead the Consular Posts of Schengen States to the request of submitting a new travel medical insurance policy for the visa procedure. Visa applicants are advised to note that other travel medical insurances issued by Indian insurance companies are not accepted for Schengen visa procedure. However, visa applicants may seek to obtain insurance in any other country where claims against the insurance company would be recoverable in a Schengen State.

Visa applicants for a Schengen visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses, which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Schengen States. Visa applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays. The insurance shall be valid throughout the territory of the Schengen States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000. Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country. When assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Schengen State.

**This note makes reference to Article 15 of Regulation 810/2009 of the European Parliament and of the Council of 13 July 2009 establishing a Community Code on Visas.**

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Schengen Visa for Indians

Schengen visa from indian.

Europe is one of the most visited travel destinations in the world. From breathtaking beaches to mesmerizing mountains, the varied landscape of the continent has long captured the fascination of tourists from different parts of the world. In addition to tourism, Europe is also frequented by the nationals of various countries for work, education, and academic research.

If you wish to visit a country in Europe that falls within the Schengen Area, you must have a pre-approved Schengen Visa. The Schengen Area comprises 26 countries in Europe, following a uniform visa regime. These countries include France, Germany, Switzerland, Greece, etc. A Schengen Visa allows you to enter the Schengen Area and travel within the area for a specific duration.

If you are not a national of any of the member states of the Schengen Area, you need a Schengen Visa to enter and stay in said state/s. The particulars of your Schengen Visa, including your points of entry into and exit from the area, the Schengen visa countries you are allowed to visit, the duration of the validity of your visa, etc., are mentioned in your visa document. It is, therefore, pivotal to be acquainted with the definition, types, application process, and fee for a Schengen Visa for Indians.

In addition to a Schengen Visa, you must also include the selection of a suitable travel insurance in your planning for a trip to the Schengen Area. Since international travel can entail a wide gamut of unforeseen circumstances, it is important to have financial security for yourself and your travelling party.

At Tata AIG, we offer excellent Schengen travel insurance , starting at ₹40.82 per day*. You can compare travel insurance plans on our website and select the one most feasible for you. Visit our website now and choose a suitable Schengen travel insurance cover for your visit to a Schengen visa country.

What is The Schengen Area?

The Schengen Area is an area in Europe comprising 26 countries that have abolished visas for crossing their international borders for the nationals of the member states. As a result, the movement of people within the Schengen Area has become smoother, easier, and safer, and the complexity of the visa application process has been reduced.

Recognised as the world's largest visa-free zone, the Schengen Area covers a majority of nations in the European Union and even some non-EU nations, for instance, Norway and Switzerland. The Schengen Visa Regime is a product of an agreement signed in the year 1985 in Luxembourg, Europe, named the Schengen Agreement.

With the removal of travel restrictions within the Schengen Area, not only is it easy for the citizens of various Schengen nations to travel across the Schengen Area but also for tourists who are spared the hassle of having to apply for separate visas for different Schengen nations. Here is the full list of the nations that are a member of the Schengen Area.

Schengen Area Member States

What is a schengen visa.

A Schengen Visa is a visa that is required to visit a member nations of the Schengen Area. The simplest meaning of a Schengen Visa is that it is a document that allows you to travel to and stay in the Schengen Area. Being the most common visa applied for visits to European nations, the Schengen Visa enables its holder to enter, travel across, and exit the Schengen Area within the timelines described in the visa.

The fact that more than 15 million people used their respective Schengen Visas to travel across Europe in the year 2019 is a testament to the popularity and utility of the Schengen Visa. This visa is usually issued for a short-term stay of 90 days. However, if your intended stay in the Schengen Area is expected to be longer than 90 days, you are required to apply for a long-term Schengen Visa, also referred to as the Uniform Schengen Visa for a particular nation.

Who Needs A Schengen Visa?

Aside from the citizens of the member countries of the Schengen Area and the citizens of nations that have a visa-free agreement with Schengen nations, every other visitor to the Schengen Area is required to have a pre-approved Schengen Visa of the right category in accordance with the purpose of their visit.

Here is a list of some of the nations whose citizens require a Schengen Visa to travel to the Schengen Area.

• Saudi Arabia
• South Africa

All Indian nationals travelling to the Schengen Area must have a pre-approved Europe Schengen Visa. The category of Schengen Visa you need to apply for depends on the purpose of your visit to the Schengen Area, which could be one of the following.

• Airport Transit
• Visiting family or friends
• Medical treatment
• Official visit
• Cultural, Sports, and Film Crews
• Other Reasons

For instance, if you are travelling to the Schengen Area for tourism, you need to apply for a Schengen Tourist Visa. On the other hand, if the purpose of your visit is business, you must apply for a Schengen Business Visa.

Schengen Visa Types for Indians

There are various Schengen Visa categories depending on the nature and purpose of an individual's visit to the Schengen Area. You must be mindful of selecting the right category of Schengen Visa to apply for. Here are the different types of Schengen Visas available for visitors.

Uniform Schengen Visa: A Uniform Schengen Visa is a short-term visa for the Schengen Area. This visa is valid for a maximum stay of 90 days in the member nations of the Schengen Area. There are two subcategories of a Uniform Schengen Visa, namely a Category A Schengen Visa and a Category C Schengen Visa.

Category A or Airport Transit Schengen Visa : If you are passing through an airport in the Schengen Area, you are required to have a valid Category A Schengen Visa. This visa is referred to as a Transit Schengen Visa and is mandatory for everyone passing through the international zone of a Schengen Area country.

For instance, if you are passing through an airport in, say, France en route to the United States of America, you need to have a valid Category A Schengen Visa. This visa is, thus, a legal mandate to traverse all airports in the Schengen Area. This visa is valid for a period not exceeding 24 hours.

Category C or Short-term Schengen Visa: if you wish to travel to and stay in the Schengen Area for a short period of time (less than 90 days), you need to apply for a Category C Schengen Visa. This is a short-term visa for individuals who are not citizens of a Schengen Area member state. A Category C Schengen Visa has three variants, which have been discussed below.

Single-entry Category C Schengen Visa: A single-entry Category C visa allows you to enter the Schengen Area nation once during the validity period. The maximum number of days you can stay in the Schengen Area is clearly mentioned in this visa. You must not exceed the duration of the permissible stay as mentioned in the visa without applying for an extension of the same.

A single-entry Category C Schengen Visa also specifies the list of countries that you can visit with said visa.

• Double-entry Category C Schengen Visa: A double-entry Category C Schengen Visa is quite similar to a single-entry Category C Schengen visa. In contrast to its single-entry counterpart, though, it allows you to enter the Schengen Area twice during the validity period of the visa.

If you exit the Schengen Area for a second time during the validity period of your double-entry Category C Schengen Visa, you shall not be allowed to enter the Schengen Area again on the same visa.

• Multiple-entry Category C Schengen Visa: With a multiple-entry Category C Schengen Visa, you can enter the Schengen Area multiple times during the validity period of the visa. However, you must be mindful of adhering to the 90/180 rule, which states that your stay in the Schengen Area cannot exceed a period of 90 days across the 180-day validity period of your Category C Schengen Visa.

It is easy to ascertain how many days you are allowed to stay in the Schengen Area. You can use the Schengen calculator to compute the number of days remaining in the validity period of your Uniform Schengen Visa. You can apply for a multiple-entry Category C Europe Schengen Visa for the following time periods.

Here are the types of Category C Uniform Schengen Visas you can apply for based on the purpose of your visit to the Schengen Area.

• Business Schengen Visa
• Student Schengen Visa
• Schengen Medical Visa
• Tourist Schengen Visa
• Schengen Visitor Visa
• Schengen Visa for Cultural, Sports, and Religious Events and Film Crews
• Schengen Visa for Official Visits
• The National Schengen Visa or Category D Visa: The National Schengen Visa, also referred to as a Category D Schengen Visa, is issued to individuals whose intended stay in the Schengen Area is expected to be longer than 90 days. Therefore, if you are travelling to the Schengen Area for any purpose that is long-term, for instance, the pursuit of education, work, or permanent immigration, you must apply for a Category D Schengen Visa. This visa has two main variants, namely:

Single-entry Category D Visa: If you intend to live in a particular Schengen Area member nation for a specific period and purpose, you must apply for a single-entry Category D Schengen Visa. This visa is issued to individuals who intend to return to their country after the expiry of the validity of their Schengen Visa. For instance, if you have been accepted at an academic institution in Switzerland, you can apply for a Category D Schengen Visa for the duration of your academic programme.

Multiple-entry Category D Visa: If you wish to travel across the Schengen Area without needing a separate visa for each visit, you must apply for a multiple-entry Category D Schengen Visa. The following categories of individuals are eligible to apply for this visa.

• Students in an international student programme can get a Category D Schengen Visa for one year.
• Students starting a full-time academic programme in a Schengen Area country can get a Category D Schengen Visa for one year, which can be extended in the future.
• Individuals employed teaching at any academic institution or research centre in a Schengen Area nation can apply for this category of visa.
• Professionals visiting the Schengen Area, for instance, sportspeople, artists, and experts in their respective fields, can get this type of Schengen Visa.
• Individuals who cannot exit the Schengen Area post the expiration of the validity of their Schengen Area owing to any medical emergency can apply for this category of Schengen Visa.

The Limited Territorial Validity (LTV) Visa for the Schengen Area: Issued under very specific circumstances, a Limited Territorial Validity (LTV) Schengen Visa enables you to visit a particular Schengen Area nation that has granted the visa. This visa can sometimes be granted by a group of Schengen Area nations. The reasons for the issuance of a Limited Territorial Validity Schengen Visa are usually humanitarian in nature.

The Reasons for Europe Visits That Require a Short-stay Schengen Visa

If you are planning to visit any Schengen Area nation/s for a stay not exceeding 90 days, you can apply for a short-stay Schengen Visa, also referred to as a Category C Uniform Schengen Visa and a Schengen Visit Visa. Here are the reasons for which short-stay Europe visas for Indians can be applied.

You must ascertain the frequency of your intended visit/s to the Schengen Area and apply for one of the following variants of a Category C Schengen Visa.

• Single-entry Category C Schengen Visa
• Double-entry Category C Schengen Visa
• Multiple-entry Category C Schengen Visa

It is important to remember that a Category C Europe Visa allows you to stay in the Schengen Area for a maximum period of 90 days across a total period of 180 days, starting from the point of first entry to the Schengen Area.

How To Apply for a Schengen Visa from India?

You can apply for a Schengen Visa from India by following the steps mentioned below.

1.Determine the category of Schengen Visa you need, which could be a Category A, C, or D Schengen Visa. 2.Determine whether you need a single-entry visa, double-entry visa, or multiple-entry visa. This would depend on the Schengen Area country you wish to enter and/or live in and the Schengen Area countries you want to travel to. 3.Find out the details of the embassy or consulate where you must apply for the selected category of Schengen Visa. 4.Apply for a Schengen Visa at least a fortnight before your intended date of travel to the Schengen Area. You cannot file an advance visa application more than 6 months prior to your travelling date. 5.Ensure that you have all the necessary documents required for your Schengen Visa application. 6.Schedule your Schengen Visa interview appointment with the relevant embassy or consulate. Check if the Schengen Area nation/s you plan to visit allow for online visa applications. 7.Reach your scheduled visa interview appointment on time and carry all the required documents. 8.Make the payment of your Schengen Visa fees, as applicable. 9.Wait for the results of your Schengen Visa interview, which should not take more than 15 days to be shared.

In addition to the appropriate category of Schengen Visa, you must also opt for Schengen Travel Insurance from India.

Documents Required for Indians Applying for a Schengen Visa

All Indian nationals applying for a Schengen Visa need certain important documents. You must be aware of the Schengen Visa requirements before starting the application process. Here are the documents that constitute the Schengen visa requirements for Indian citizens:

• Your Indian passport which must be valid for at least 3 months from your intended date of entry into the Schengen Area (this passport must not be older than 10 years)
• Two latest passport-sized photographs with a light background
• A print-out of your Schengen visa application form duly filled and signed
• Travel insurance for Schengen Visa containing a medical cover of at least €30,000 and covering medical evacuation and repatriation
• The proof of your intended accommodation during your stay in the Schengen Area
• Your flight itinerary to and from the Schengen Area
• The proof of sufficient funds for the duration of your stay in the Schengen Area
• A cover letter describing your purpose for visiting the Schengen Area
• The proof of your civil status, including your marriage certificate and, if applicable, the birth certificate of your children

Which Countries Can I Visit With a Schengen Visa?

If you have a Schengen Visa, you can visit any of the following 26 member nations of the Schengen Area:

It is, however, advisable to check whether the Schengen Area country you are planning to visit has a separate visa policy for a particular category of visas. You can check out the visa information for all these countries through their official government websites or through their embassy and consulates in India.

It is important to note that since all the countries in Europe do not comply with the Schengen Visa Regime, you may need a separate visa for some European countries. In addition to the above member countries of the Schengen Area, you can also visit certain non-Schengen nations with a Schengen Visa. These nations include Colombia, Romania, Belarus, Bulgaria, and Serbia, to name a few.

How Long Can I Stay in Europe With a Schengen Visa?

The permissible duration of your stay in the Schengen Area depends on the category of the Schengen Visa granted to you and the validity period mentioned therein. Here are the validity timelines of various categories of Schengen Visas.

1. Category A Schengen Visa : A Category A or Airport Transit Schengen Visa is valid for a maximum period of 24 hours. 2. Category C Schengen Visa : A Category C or short-stay Schengen Visa is valid for a stay of 90 days across 180 days from the point of first entry into the Schengen Area. You must strictly adhere to the above 90/180 rule whilst computing how long you can stay in the Schengen Area on your present visa. 3. Category D Schengen Visa : A Category D Schengen Visa or a National Schengen Visa is valid for the specific duration mentioned in the visa. This visa is valid for a stay in the Schengen Area that is longer than 90 days.

Can I Get My Schengen Visa Extended?

It is extremely difficult to get a Schengen Visa extension, particularly if you have exceeded the stay limit permissible in your Schengen Visa. For instance, if you have a Category C Schengen Visa which allows you to stay in the Schengen Area for a maximum period of 90 days, but you end up staying in the area beyond the expiration of your visa, it is highly unlikely that you can get a visa extension.

However, it is possible to get a Schengen Visa extension before your visa expires or before you have exceeded the permissible stay limit as mentioned in the visa. In order to get this visa extension, though, you must furnish proof that it is absolutely impossible for you to leave the Schengen Area and/or important for you to stay. These reasons could be humanitarian reasons, force majeure, or important personal reasons, and a visa extension is subject to the approval of the requisite authorities.

What Can I Do In Case My Schengen Visa Application is Rejected?

If your Schengen Visa application is rejected, you are allowed to appeal against said rejection. The rejection of your Schengen Visa application is accompanied by the reasons behind the rejection. Furthermore, there is also a document detailing the procedure for filing an appeal for the reconsideration of your visa application.

If you feel that the reasons behind the rejection of your Schengen Visa application are unfounded, you can file an appeal against the decision. However, it is advisable to study and understand the reasons listed by the relevant embassy or consulate for the rejection of the visa and apply them to improve any subsequent visa applications. You can file a fresh Schengen Visa application by repeating the process from the start and making the payment of the fee again.

What Is Schengen Insurance?

Schengen Insurance is an insurance policy that financially safeguards your trip to the Schengen Area. You can end up facing a wide gamut of unforeseen circumstances during your trip to and stay in a Schengen Area nation/s. This can include accidents, sicknesses, flight delays and cancellations, baggage loss, loss of a passport, etc.

With a Schengen Insurance policy, you can protect yourself against a majority of the above events. In addition to providing your Schengen trip with a layer of financial protection, it is mandatory to have a Schengen Travel Insurance plan to apply for a Schengen Visa. You must have a Schengen Travel Insurance amounting to €30,000 or more to be able to apply for a visa to visit the Schengen Area. Your Schengen Insurance Plan must cover medical expenses as well as the cost of repatriation.

You must opt for a Schengen travel insurance policy that provides extensive coverage at a feasible price. Your Schengen Travel Insurance plan must have the following covers.

• Baggage Cover
• Journey Cover
• Medical Cover
• Covid-19 Cover
• Flexibility to extend the cover

Why You Should Choose Tata AIG's Schengen Insurance Plan

If you are looking for a suitable Schengen insurance plan, then your search must stop at Tata AIG. With our comprehensive Schengen Insurance Policies, you can get extensive coverage for your trip to the Schengen Area. In addition to offering a wide variety of covers, the Tata AIG Schengen Travel Insurance plans are light on your pocket as well. You can get a Tata AIG Schengen Travel Insurance Plan, starting at just ₹40.82 per day*.

Here are the benefits of a Tata AIG Schengen Travel Insurance Policy.

1. Travel Assistance : With the Tata AIG Schengen Insurance Policy, you get coverage against the loss or stealth of your passport, delay or cancellation of your flights, and the cancellation of your hotel bookings.

2. Cover for Accidents and Sickness : If you happen to meet with an accident during your Schengen trip or fall ill, you can get coverage for the resultant expenses under your Tata AIG Schengen Travel Insurance Plan. This includes a cover for hospitalisation expenses.

3. Cover for Baggage Loss and Delay : Our Schengen Insurance Policy comprises a cover for the loss or delay of baggage at any of the airports you traverse during your journey to the Schengen Area.

4. Cover For Personal Liabilities : If you happen to get involved in any incidents in the Schengen Area that result in any personal liabilities that are covered under your Tata AIG travel insurance policy , you can get coverage for the same.

5. Hijack Cover : Our Schengen Travel Insurance has a provision for a Distress Allowance in the unfortunate event of you falling victim to a hijack during your Schengen trip.

6. Covid-19 Cover : In light of the global Covid-19 pandemic, we have included a cover for Covid-19 in our Schengen Insurance Policy. This plan covers the cost of your Covid-19 treatment if you get diagnosed with the virus during your trip.

7. Payment in Rupees and Coverage In Dollars : You can get coverage in United States Dollars for your Schengen Insurance Plan whilst paying in the Indian National Rupee.

8. Swift Policy Purchase Process : At Tata AIG, we have a swift, simple, and seamless policy purchase process that has been designed keeping your convenience in mind.

9. Affordable Plans: Our Schengen Insurance Plans are pocket-friendly. You can get your Tata AIG Schengen Travel Insurance Plan at as low as ₹40.82 per day*.

10. Automatic Extensions : In the unfortunate event of you being hospitalised in the Schengen Area near the expiration date of your Schengen Insurance Policy, we shall automatically extend the plan for 60 days or until your discharge from the hospital. Furthermore, if your return flight gets cancelled or delayed, we shall extend your Tata AIG travel insurance policy for 7 days.

To Sum It Up

Travelling to another country has a diverse set of challenges, and there is a wide gamut of things that may cause your plans to derail, ranging from the cancellation of flights and the loss of baggage to falling ill whilst in a foreign land. Therefore, it is pivotal to opt for an adequate travel insurance policy and have a certain degree of financial security during your travels.

With the Tata AIG Schengen Insurance Plan, you can have extensive coverage for your trip to the Schengen Area and be protected against adverse events that may transpire during your journey to and from or stay there. Starting at just ₹40.82 per day*, our travel insurance plans are easy to study, understand, and purchase. All you have to do is visit our official website and compare travel insurance plans to find the most suitable plan for you.

In addition to selecting a suitable Schengen Travel Insurance Plan, you must also ascertain the category of Schengen Visa you need to apply for, the procedure for the application and screening of Schengen Visas, and the fee for Schengen Visa, which is presently ₹7,088 for adults and ₹5,310 for children aged 6 to 12 years (of Indian nationality). However, this fee can change with any fluctuations in the exchange rate between the Euro and the Indian National Rupee.

Having an optimal Schengen Travel Insurance Plan and the appropriate category of Schengen Visa are essential prerequisites of a safe trip to the Schengen Area.

Information last updated Jan 22. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How many nations are part of the schengen area.

The Schengen Area presently has 26 nations, including France, Germany, Switzerland, Greece, Italy, and Switzerland.

How Many Categories of Schengen Visa are Available For Me to Choose From?

There are two major categories of Schengen Visa you can choose from, namely a Uniform Schengen Visa and a National Schengen Visa. Whilst the former is a short-stay visa, the latter is for a long-term stay in or permanent immigration to the Schengen Area. A Uniform Schengen Visa has the following subcategories.

• Category A Uniform Schengen Visa or Airport Transit Visa (valid for 24 hours or lower)
• Category C Uniform Schengen Visa or Short-stay Visa (valid for a stay of 90 days across a period of 180 days), available in the following variants:
• Single-entry Uniform Schengen Visa
• Double-entry Uniform Schengen Visa
• Multiple-entry Uniform Schengen Visa

I wish to visit the Schengen Area for a family trip lasting 15 days. Which category of Schengen Visa should I apply for?

If you wish to visit the Schengen Area for a short duration with the goal of tourism, you must apply for a Category C Uniform Schengen Visa. This visa is also referred to as a short-stay Schengen Visa and enables you to stay in the Schengen Area for a maximum period of 90 days across 180 days of the validity of the visa.

What is the present fee for Schengen Visa for Indian Nationals?

If you are an Indian national, the present fee you would be required to pay for the Schengen Visa is ₹7,088 (for adults). If there are children between the ages of 6 and 12 years in your travelling party, then the Schengen Visa for them would attract a fee of ₹5,310. This Schengen Visa fee is based on the latest exchange rate between the Euro and the Indian National Rupee and is subject to change based on fluctuations in the said exchange rate.

What is the 90/180 rule surrounding the Schengen Visa?

The 90/180 rule surrounding the Schengen Visa states that you can stay in the Schengen Area for a maximum duration of 90 days on a particular visa. This stay of 90 days can span across the 180 days of the validity of the visa. However, you will be allowed two or multiple entries into the Schengen Area only if you have a double-entry Schengen Visa or a Multiple-entry Schengen Visa, respectively.

Can I Apply for a Schengen Visa Online?

Yes, you can apply for a Schengen Visa online. You can do so by following one of the following methods.

• Visit the official website of the Indian embassy or consulate of the Schengen Area nation you wish to visit.
• Visit the official website of the Schengen Area and apply for a Schengen Visa there.

What is the Latest Time for Applying to a Schengen Visa?

The latest time for applying for a Schengen Visa is fifteen days before your intended date of travelling to the Schengen Area. However, it is advisable to apply for your Schengen Visa well in advance so as to not have your travel plans be derailed by any potential procedural delays in the visa application and screening process.

Can I Seek an Extension on My Schengen Visa?

It is extremely difficult to get an extension on your Schengen Visa, particularly if you have exhausted the number of days of permissible stay in the Schengen Area mentioned in the visa. However, if you apply for an extension whilst the visa is still valid, and you still have some days left to legally stay in the Schengen Area, you may get an extension to your visa in case of:

• Force Majeure
• Humanitarian Reasons
• Important Personal Reasons

Is It Mandatory To Have a Schengen Insurance Plan?

Yes, it is mandatory to have a Schengen Travel Insurance Plan in order to apply for a Schengen Visa. You must have a valid Schengen Medical Travel Insurance cover of at least €30,000, and this cover should include the cost of medical treatment and repatriation.

How Can I Buy Tata AIG's Schengen Insurance Plan?

You can purchase Tata AIG's Schengen Travel Insurance Plan by visiting our official website. After studying the features of the plan and adding the number of people you wish to bring under the ambit of the coverage, you can make the premium payment online and have the policy document instantly delivered to your email address and WhatsApp inbox.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Is travel insurance mandatory for Schengen visa? Here's all you need to know

Here are the requirements for travel insurance to obtain a schengen visa and how much it costs.

The Schengen area, consisting of 27 European countries, is one of the world's most widely visited tourist destinations . Apart from the natural beauty and rich cultural heritage, what makes Schengen a hot pick among travellers is the fact that these countries have abolished mutual borders. The border-free Schengen area offers tourists free movement.

People planning to visit this area often question if they need travel insurance to apply for its Visa. If you have a similar question, read on to find the answer.

Travel Insurance for Schengen Visa: A Must

Yes, you need travel insurance for a Schengen visa. If you don't have a travel insurance policy in tune with the standards set by Schengen countries, your visa application will get rejected. Schengen countries have made travel insurance mandatory to safeguard tourists financially against any medical emergencies and untoward incidents.

Requirements for Travel Insurance to Obtain a Schengen Visa

Not any travel insurance can help you get a Schengen Visa. Your travel insurance policy needs to meet certain requirements. These include:

* The sum insured offered by the policy should be a minimum of 30,000 euros

* It should be valid in all 27 countries in the Schengen area

* The validity of travel insurance should be for the entire duration of your time in Europe

How Much Does Travel Insurance Cost for a Schengen Visa?

The cost of travel insurance for Schengen Visa isn't fixed and depends on various factors. These include:

Your age is vital in determining the premium you must pay to obtain travel insurance for a Schengen Visa. The older you are, the more you need to pay for insurance and vice versa. As we age, the likelihood of experiencing health concerns rises. This translates to a higher potential for needing medical attention while travelling, which insurance companies see as a greater risk. To cover this risk, they set a high premium.

* Trip duration

Another essential consideration is the trip duration. Usually, insurance companies offering travel insurance for the Schengen zone calculate the cost on a daily basis. This implies that the longer your stay is, the higher the policy price. Longer stays translate to a greater window for potential mishaps, which is why your insurer charges higher premiums.

Importance of Travel Insurance

Besides being mandatory, travel insurance can help you in several ways during your visit to Schengen nations. These include:

* Coverage for Healthcare costs

Healthcare costs are high in Schengen countries. Travel insurance can help offset high medical expenses in the event of hospitalisation because of illness, accident, or injuries. Paying them from your pocket can disrupt your finances and throw your travel plans in disarray.

* Emergency Assistance Services

In case of an emergency, you might need services such as medical evacuation and repatriation, which can be crucial in case of serious illness or injury. This requires transportation to another medical facility or back to your home country and can be an expensive affair. A travel insurance policy can help you meet the cost of such services.

* Costs for Trip Cancellation and lost baggage

A travel insurance policy can reimburse you for non-refundable trip costs if your trip gets cancelled or interrupted due to unforeseen circumstances. That's not all. You will also be reimbursed for lost or stolen baggage and important documents such as passports.

How You Can Purchase Travel Insurance for Schengen Visa?

You can purchase travel insurance for Schengen Visa through:

* Travel insurance providers online

* Your travel agency

* Local Schengen-accredited travel insurance company

Irrespective of the mode of purchase, you need to remember certain things. These include:

* Minimum Coverage Amount

Ensure the insurance policy provides a minimum coverage of 30,000 euros for medical emergencies, including repatriation due to medical reasons. Note that this is the minimum requirement set under Schengen visa regulations.

* Compare Different Travel Insurance Plans

Research different insurers and compare plans based on your needs and budget. Don't simply select the cheapest option. Read online reviews and the insurer's track record before buying the policy. Familiarise yourself with the claims process to ensure smooth handling if you need to make a claim.

* Read the exclusions

While comparing different plans, read the exclusions. Understand what's covered in your policy and what's not. This helps avoid surprises later and unnecessary stress. If you are unsure about something, get it cleared beforehand.

* Disclose pre-existing ailments

While buying travel insurance for Schengen Visa, disclose any pre-existing ailments you might have. Though this may increase the premiums for your policy, it helps avoid claim rejection later. Also, if your trip extends by any chance beyond the initial policy period, find out if you can extend the policy duration.

In Conclusion

Remember that travel insurance for Schengen Visa is not just about fulfilling a mandatory requirement. It's also about safeguarding your trip from unforeseen circumstances. Travel insurance gives you much-needed peace of mind and allows you to enjoy your Schengen journey to the fullest.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Schengen Tourist Visa Requirements for Indian Citizens

Schengen travel visa requirements for minors, photo requirements for schengen tourist visa, application process for schengen tourist visa, cost of schengen tourist visa, latest rules for schengen tourist visa.

From the vibrant streets of India to the picturesque Schengen landscapes, the dream of exploring Schengen is within your reach. The Schengen Tourist Visa for Indian Travelers is something you must comprehend in order to begin this adventure.

This piece will examine the prerequisites, delve into the fundamentals, and lead you through the process of discovering Schengen's elegance. Are you set out on this voyage?

All Indian Citizens must adhere to some visa requirements in order to obtain the Schengen Tourist Visa. The following paperwork must be submitted in order to complete the application for obtaining the Schengen tourist visa to enter Europe:

• Application Form for Schengen Tourist Visa: The completed online form needs to be downloaded in two copies and signed at the end.
• Two pictures that comply with Schengen regulations: They should be 35–40 mm wide, taken at a close-up of your head and shoulders so that your face occupies 70–80% of the frame, and no older than six months. It must be taken with impeccable clarity and sharp focus, without any creases or ink marks, and in compliance with all ISCO standards.
• Valid Passport: To attach the visa, it must have two blank pages and have been issued within the previous ten years. After the intended duration of stay in the Schengen Area, the passport must remain valid for an additional three months.
• Clean and clear photocopies of the passport's first and last pages (biodata).
• Past passports (if applicable): If you have more than one old passport, bind them together with a rubber band rather than staple them and present them with the other paperwork.
• Original personal covering letter : Outlining your reasons for visiting the EU, the nations you intend to visit, the dates you have available, the accommodations you have in mind, and other specifics of your journey.
• No Objection Letter: This is a letter from your employer or your place of higher education confirming your return to your home country is guaranteed by your promise to fulfill contractual obligations there.
• Travel health insurance that provides hospitalization, emergency care, and repatriation in the event of death. The member states of the Schengen Zone have decided that a minimum coverage of 30.000 EUR is required, and that coverage must be valid for the whole time that you are visiting the Schengen Area.
• Flight Ticket: There is no need to purchase actual airline tickets when making a flight reservation. But, in order to verify your intended entry and departure dates, the embassy requires you to purchase a plane ticket. Tickets purchased one way are not accepted.
• Evidence of lodging for the duration of the visit in the Schengen Region. You need to present your hotel reservation if you are staying there. If you are staying with friends or family, they need to provide documentation proving they have enough space for you.
• Evidence of Financial Status: It is your responsibility to provide proof that you have enough money for the trip and can support yourself while in the Schengen area. A bank statement from the last three months - which cannot be more than three days old - should be able to attest to that.

The Schengen tourist visa application varies depending on where you plan to go. In certain instances, the consulate might request additional information or documentation from you while processing your application, or they might get in touch with you for a follow-up interview. Since submitting the first set of required documents does not ensure that you will be granted a tourist visa for Europe, be sure to submit them as well.

Also Read: Insights Into the Schengen Region Countries

If you are a minor's parent or legal guardian applying for a Schengen tourist visa, additional paperwork will be required. These documents include:

• The Birth Certificate of the Minor
• Application signed by both parents
• If the child is under the complete custody of one parent only, a family court order
• Official copies of both parents' passports and identification
• If the minor is going to travel alone, a notarized parental authorization signed by both parents or guardians is required.

These are the main photo requirements according to ICAO Standards that you must adhere to when you process a Schengen tourist visa application.

• Two identical pictures, taken no older than six months apart.
• The picture is 35 mm by 45 mm in size.
• The photo ought to be in color rather than black and white.
• 70–80% of the image should be occupied by the head.
• There should be light in the background. It is advised that light gray be used with no patterns.
• The candidate needs to face the camera directly.
• A neutral-looking face without a smile or closed mouth.
• Avoid wearing colors or uniforms that blend in with the surroundings.

The process of obtaining a Schengen area Tourist visa involves following these easy steps:

Step 1: Fill the Application Form for Schengen Area Tourist Visa

Fill out the online Schengen tourist visa application form completely and accurately. Print it twice, then sign it when you are done. When asked about the reason behind your trip, be sure to check the "tourism" box. Basic details like your name, nationality, passport number, country of birth, and date of birth are requested on the Schengen tourist visa application form.

Inquiries about your itinerary, including how long you want to spend in each country and where you are staying, will also need to be answered. Verify that the data you provided on the application form matches the data in the other documents.

Step 2: Compile the Schengen Tourist Visa Document Requirements for Tourists

Make sure you finish the documentation file that visitors are required to submit to the Schengen authorities.

Step 3: Schedule an interview

It is necessary to schedule an appointment at least 15 days in advance of the planned trip, ideally six months in advance. Set up an interview by visiting the website of the consulate or embassy of the nation you intend to visit in your home country.

Step 4: Attend your Interview

Arrive on time at the consulate or embassy appointment center. Recall that they will most likely cancel your appointment if you are even a few minutes late. The entire submission process takes about ten minutes. Please ensure that: Every document you submit will be examined and verified by an official at the application center.

Step 5: Provide Biometric Data

If this is your first time applying for a Schengen Tourist Visa, you will also need to have your fingerprints scanned at the consulate. A brand-new Visa Information System will house them (VIS) . Frequent visitors to the Schengen Area do not need to provide fresh finger scans each time they apply for a new visa because once finger scans are saved in VIS, they can be reused for up to five years for subsequent visa applications.

Step 6: Pay your Schengen Tourist Visa Fees

Adult tourists must pay a schengen travel visa cost of EUR 80 at the time of visa application submission. On the other hand, children under the age of twelve and those starting at age six must pay a Schengen Tourist Visa fee of EUR 40.

You will receive a receipt after paying the visa fee, which you must keep in order to pick up your completed application. The Schengen travel Visa cost will not be refunded in the event that the visa application is denied. Should you reapply for a visa, the Schengen Tourist Visa fees will need to be paid again.

Step 7: Submit your application at Embassy

Now that everything has been formalized, it is time to send in your application. You only need to apply to the country's embassy in your home country if you only intend to visit that one nation.

However, you must apply at the embassy of the nation you intend to spend the most time in if you are planning to visit two or more countries in one trip. After your submission, the consulate might take some time to process your application upon which you will receive your visa on approval.

Do you want to keep your visa from being denied? Read this: How Can I Avoid Schengen Tourist Visa Rejection?

The cost of a Schengen tourist visa is between €60 and €80, with children under the age of six receiving it free of cost.

On a Touring plan? Consider this: Top 30 Countries Which Does Not Require Visa From India

Below listed are some latest Schengen Tourist Visa rules that all tourists need to keep in mind while processing the Schengen Tourist Visa application:

All Set to Explore Schengen With the Tourist Visa with GetGIS

Understanding the prerequisites for a Schengen Tourist Visa is the first step towards realizing the exciting journey of embarking on a Schengen adventure as an Indian traveler.

Discover the enchantment of Schengen, encompassing breath-taking scenery and energetic metropolises. Your trip to the country of amazing adventures is well within your reach with the correct planning and help from professionals like GetGIS . So prepare yourself for the incredible experiences that Schengen has to offer by packing your bags, seizing the chance, and setting out! Safe travels!

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Frequently Asked Questions

What's the validity of a Schengen tourist visa?

Is a Schengen tourist visa extendable?

How can I obtain a Schengen tourist visa?

How long does it take to process a Schengen tourist visa?

Is travel insurance mandatory for a Schengen tourist visa?

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Europe On Your Mind? New Schengen Visa Rules Boost Travel Insurance Among Indian Travellers

Reported By : Namit Singh Sengar

Last Updated: May 01, 2024, 15:59 IST

New Delhi, India

With a single Schengen visa, you can visit all the Schengen Area countries. You don't need a separate visa for each country. (Representative image)

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries

The revised Schengen visa regulations, offering frequent Indian travellers the opportunity to obtain multi-year visas spanning up to 5 years, are poised to bolster outbound travel from India to European destinations. Also, this will lead to a gradual increase in European travellers booking long-term travel insurance.

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries that have gotten rid of most of their border controls.

Also Read: Affordable Health Insurance Sees High Demand, Employer Policies Not Sufficient: Report

With a single Schengen visa, you can visit all the Schengen Area countries. You don’t need a separate visa for each country.

Under the recently implemented visa cascade system for India, Indian citizens are eligible to receive extended multi-entry Schengen visas lasting for two years, following the lawful utilisation of two visas within the preceding three years.

Throughout these visas’ validity, individuals from India can enter and exit Schengen countries on multiple occasions without requiring additional visas.

Travel Insurance Gets Boost

According to the latest data shared by Policybazaar, there is already a 3-4% increase in users booking travel insurance policies exceeding 45 days in April 2024, a trend expected to rise further due to the relaxed visa norms.

The insurance marketplace also shared that Schengen destinations also see a 100% jump in senior citizen travellers and a notable uptake in travellers declaring pre-existing diseases.

According to Policybazaar’s data, a whopping 82% of Indian travellers are drawn to destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain in the upcoming season.

Policybazaar’s data indicated that travellers to Schengen destinations aged 70 and above have doubled in number since FY23. Interestingly, the proportion of Indian travellers aged 31-45 visiting Schengen countries has also increased compared to last year.

Not just this, this year also saw a notable 15% increase in travellers declaring pre-existing conditions (like Diabetes, Hypertension, etc) when travelling to Europe as compared to last year.

Also, this year, the travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. Riders covering baggage or belongings loss, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage emerged as the most sought-after add-ons for travel insurance.

Another intriguing trend noticed was a 40% drop in users buying travel insurance in Euros, which can be attributed to the fact that embassies now accept coverage in dollars. This trend indicates a growing level of consumer awareness and knowledge.

Meanwhile, Europe’s embrace of the more advantageous visa regulations arrives just as the summer holiday season approaches, promising to stimulate the flow of Indian travellers to these destinations.

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Travellers book long-term insurance as Schengen visa rules come into play

Travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. riders covering baggage or belongings loss, trip cancellation, adventure sports coverage.

Schengen visa | Photo: Schengen visa information website

EU eases Schengen visa rules for Indians: Costs, processing time explained

Explained: how indians can now get five-year, multi-entry schengen visa, are indians eligible for 5-year schengen visa all you need to know, schengen visa to go online, no need for in-person appearance at consulate, thailand plans schengen-style visa for asia: how does it impact you, venice imposes world's first tourist entry fee: all you need to know, cred introduces offline qr code 'scan & pay' service, kiosks for merchants, rbi directs talkcharge to return funds in ppi- wallets to consumers, risky borrowing: india's household debt has likely surged to all-time high, h-1b visa holders can now sue over fraud-linked visa revocations.

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First Published: Apr 26 2024 | 2:52 PM IST

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