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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:
1
Comprehensive Medical Coverage
It provides extensive coverage for medical emergencies, ensuring peace of mind during your travels through the Schengen countries.
2
Financial Safeguard
Protects against unexpected expenses due to medical emergencies, flight cancellations, or lost baggage, reducing financial burdens while abroad.
3
24/7 Assistance
Offers 24/7 assistance for various crises, including medical evacuations, ensuring immediate support during unforeseen situations.
4
Requirement fulfilment
It is mandatory for Schengen Visa applications, ensuring compliance and increasing the chances of successful visa approval.
5
Repatriation Assistance
Offers support for emergency repatriation in case of severe illness, injury, or unfortunate incidents, ensuring a safe return to the home country.
6
Trip Cancellation Protection
Covers expenses in case of trip cancellations or interruptions due to unforeseen circumstances, allowing for rescheduled travel without added financial strain.
7
Family Coverage Options
Many policies include options to cover family members travelling together, providing comprehensive protection for the entire group.
8
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.
9
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 in 2025?
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.
| Sr. No. | Country | Details |
| 1. | Austria | A picturesque destination known for its rich history and stunning landscapes. Whether you’re exploring Vienna or the Alps, having travel insurance for Austria ensures a worry-free experience. |
| 2. | Belgium | Famous for its medieval towns, vibrant cities like Brussels, and delectable chocolates. Explore it all stress-free with travel insurance for Belgium. |
| 3. | Czech Republic | Home to Prague, a city of stunning architecture and old-world charm. For peace of mind on your journey, consider travel insurance for Czech Republic. |
| 4. | Denmark | Known for Viking tales, fairy-tale castles, and Copenhagen’s charm. Stay protected with travel insurance for Denmark on your Nordic adventure. |
| 5. | Estonia | A Baltic gem with medieval allure and scenic beauty. Enjoy every moment by opting for travel insurance for Estonia. |
| 6. | Finland | A land of Northern Lights, lakes, and design-forward cities. Discover it worry-free with travel insurance for Finland. |
| 7. | France | From the Eiffel Tower to the Riviera, France dazzles with culture and style. Secure your trip with travel insurance for France. |
| 8. | Germany | A country of castles, beer gardens, and Berlin’s buzz. Safeguard your plans with travel insurance for Germany. |
| 9. | Greece | Step into ancient history and Aegean beauty in Greece. Enjoy your trip without worry with travel insurance for Greece. |
| 10. | Hungary | Thermal spas and the charm of Budapest await. Travel smart with travel insurance for Hungary. |
| 11. | Italy | From Rome’s ruins to Tuscany’s wine country, Italy is irresistible. Make memories with peace of mind using travel insurance for Italy. |
| 12. | Latvia | A Baltic beauty blending culture and nature. Travel smoothly with travel insurance for Latvia. |
| 13. | Lithuania | Historic towns, baroque architecture, and Baltic serenity. Explore confidently with travel insurance for Lithuania. |
| 14. | Luxembourg | A small country full of historic charm and natural trails. Enjoy every stop with travel insurance for Luxembourg. |
| 15. | Liechtenstein | Tiny but mighty in beauty and mountain views. Wander freely with travel insurance for Liechtenstein. |
| 16. | Malta | Golden shores, ancient ruins, and vibrant local life. Travel covered with travel insurance for Malta. |
| 17. | Netherlands | Cycle through tulips, canals, and culture in Amsterdam and beyond. Ensure your journey is smooth with travel insurance for Netherlands. |
| 18. | Norway | Famous for fjords, glaciers, and Arctic wonders. Travel carefree with travel insurance for Norway. |
| 19. | Poland | Rich in history, hearty food, and architectural gems. Make your visit stress-free with travel insurance for Poland. |
| 20. | Portugal | Sun-soaked coasts, soulful fado, and charming cities await. Stay protected with travel insurance for Portugal. |
| 21. | Slovakia | Castles, mountains, and medieval towns enchant in Slovakia. Travel with confidence using travel insurance for Slovakia. |
| 22. | Slovenia | From Lake Bled to alpine trails, Slovenia is a nature lover’s dream. Make the most of it with travel insurance for Slovenia. |
| 23. | Spain | Tapas, flamenco, beaches, and bustling cities. Roam freely with travel insurance for Spain. |
| 24. | Sweden | Where sleek design meets natural beauty and the Northern Lights. Explore safely with travel insurance for Sweden. |
| 25. | Switzerland | Alpine adventures, scenic rail rides, and Swiss precision. Travel seamlessly with travel insurance for Switzerland. |
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:
1
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.
2
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.
3
Territorial Coverage
It's crucial that the insurance coverage extends to all the Schengen countries, ensuring comprehensive protection across the entire zone.
4
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.
5
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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Types of Schengen Visas
The Schengen Area offers various types of visas catering to diverse travel purposes, each designed to meet specific needs:
| Types of Visas | Specification |
| Limited Territorial Validity Visas (LTV) | These visas allow entry only into specific Schengen countries, not the entire Schengen Area, typically granted due to exceptional circumstances or urgent humanitarian reasons. |
| Uniform Schengen Visa (USV) | This visa permits short-term stays for tourism, business, or family visits within the Schengen countries for up to 90 days within a 180-day period. It's categorised into three subtypes: • Type A: Airport Transit Visa for travellers passing through Schengen airports without entering the Schengen Area. • Type B: Transit Visa for travellers crossing Schengen territories by land or sea. • Type C: Regular Short-Stay Visa for tourism, business, or visiting family/friends. |
| Multiple Entry Visa | Enables travellers to enter and exit the Schengen Area multiple times over a specified period. Ideal for frequent travellers for business or those requiring continuous entry into Schengen states. |
| National Visas | Issued by individual Schengen states for long-term stays exceeding 90 days. They're tailored for purposes like work, study, family reunification, or other specific reasons within a particular country. |
| Visa for Official Visits | Granted to individuals travelling on official duties or representing a government authority within the Schengen countries. |
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:
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.
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
List Of Countries Where Travel Insurance Is Mandatory
Schengen countries
- France
- Spain
- Belgium
- Austria
- Italy
- Sweden
- Lithuania
- Germany
- the Netherlands
- Poland
- Finland
- Norway
- Malta
- Portugal
- Switzerland
- Estonia
- Denmark
- Greece
- Iceland
- Slovakia
- Czechia
- Hungary
- Latvia
- Slovenia
- Liechtenstein and Luxembourg
Other countries
- Cuba
- Ecuador
- Iran
- Turkey
- Morocco
- Thailand
- UAE
- Togo
- Algeria
- Romania
- Croatia
- Moldova
- Georgia
- Aruba
- Cambodia
- Lebanon
- Seychelles
- Antarctica
Source: VisaGuide.World
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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