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Travel Without Worry - Get Schengen Travel Insurance

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Published on October 02, 2021. EST READ TIME: 3 minutes

What is Schengen Travel Insurance?

Schengen is a demarcated area which comprises 26 European countries. As per formal understanding between these countries, they allow free movement of people within the jurisdiction of some common rules and laws. While applying for a Schengen visa for movement across any of the empanelled countries, travel insurance is a must.

Why do you need International travel insurance to visit the Schengen Countries?

While having adequate travel insurance to protect you during your foreign trips is a wise decision, travel insurance for a Schengen visa is a mandatory requirement for the applicants. This requirement stems from the fact that visitors should be covered for any unforeseen incidents involving an accident, injury or illness. The travel insurance for Schengen visa must cover the following aspect for the entire duration of your visit:

• A minimum coverage of at least 30,000 EUR
• Applicable coverage across all the 26 Schengen countries
• Coverage should include medical health related expenses and also expatriation to home country, if needed

This requirement is applicable regardless of the duration of stay, country being visited or type of visa being sought (like, business visa, student visa, tourist visa, etc.)

Benefits of international travel insurance

International travel insurance is aimed at covering any medical issues and expenses that might arise during the travel period. It helps the travellers to comfortably enjoy their trips with the assurance of financial coverage in the case of unforeseen incidents whether caused by illness or accident or also due to natural disasters and the geopolitical situation of the particular country being visited.

How to select the best policy?

There are several providers offering travel insurance for Schengen countries. All claim to have the best policy in place. But the onus is on you to conduct a proper due diligence before deciding on the right provider and coverage. Follow the below mentioned steps to get the best travel insurance policy.

Research

Check online the policy details from the top insurance providers to get an idea of what is covered and what is not. Consult blogs like this, and other helpful content on the internet to gain a better understanding of what are the most essential aspects for which you must have coverage. You might keep it limited to the absolute requirements of the travel insurance for Schengen visa, however it is always prudent to go for comprehensive coverage for yourself and your family, in case they are travelling with you as well.

Consider coverage not price

Some people do a comparison solely based on the overall price of the travel insurance policy. This is ill advised. Travel insurance safeguards your health and related medical expenses. There can be a host of risks which your insurance can protect you from. The top insurance providers like HDFC ERGO provide cashless treatment for medical emergencies. They also cover dental issues, medical evacuations during distressing situations, and daily cash allowance to pay for food and incidentals, in case you are admitted to a hospital. In case of an unfortunate disaster like death, the family of the insured gets paid a lump sum compensation and the insurance pays for the transfer of the mortal remains back home. In these trying times, it is sensible to also opt for Covid 19 coverage as part of your insurance policy. Apart from health, the right travel insurance can also provide coverage for baggage related and overall journey related issues, like loss of belongings, delay of checked-in baggage or connecting flights etc.

Understand claim settlement process

While ensuring the proper coverage is very important, it is not the only consideration to keep in mind. You must also try to understand the claim settlement process to avoid stress and confusion later on, when the need arises. The best insurance providers have a transparent and quick settlement process. Try to emphasize on cashless facilities so that your own money doesn’t get blocked at the outset.

Conclusion

Travel insurance for a Schengen visa is a mandatory requirement for all applicants. But people are advised to consider it as an important tool to safeguard their health and health related expenses. Knowing that you are covered against the risk of unforeseen incidents helps you enjoy your trip to the fullest and return with memories instead of worries. HDFC ERGO Travel Insurance can be purchased without undergoing any pre-policy medical tests. It allows cashless access to over 1 Lakh hospitals across the world and also provides 24x7 assistance via phone and chat to guide in times of distress.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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