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Home / Travel Insurance / Travel Insurance for Schengen VISA from India

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?

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.AustriaA picturesque destination is known for its rich history, stunning landscapes, and cultural heritage.
2.BelgiumFamous for its medieval towns, vibrant cities like Brussels, and delectable chocolates.
3.Czech RepublicHome to Prague, a city renowned for its stunning architecture and historical charm.
4.DenmarkKnown for its Viking history, fairy-tale-like castles, and the beautiful city of Copenhagen.
5.EstoniaAn enchanting Baltic state characterized by its medieval architecture and picturesque landscapes.
6.FinlandFamous for the Northern Lights, pristine lakes, and modern design and technology.
7.FranceA global icon known for its fashion, art, wine, and landmarks like the Eiffel Tower and Louvre Museum.
8.GermanyRecognized for its history, beer culture, scenic landscapes, and bustling cities like Berlin.
9.GreeceHome to ancient history, stunning islands, and iconic landmarks such as the Acropolis.
10.HungaryRenowned for its thermal baths, rich history, and the beautiful city of Budapest.
11.ItalyFamous for its art, history, cuisine, and landmarks like the Colosseum and Venice canals.
12.LatviaAn enchanting Baltic state with a rich cultural heritage and diverse landscapes.
13.LithuaniaKnown for its medieval architecture, stunning coastline, and historical sites.
14.LuxembourgA small but charming country with a rich cultural heritage and picturesque landscapes.
15.LiechtensteinA tiny principality famous for its mountain landscapes and quaint villages.
16.MaltaA Mediterranean gem boasting ancient history, stunning coastlines, and vibrant culture.
17.NetherlandsRenowned for its tulip fields, windmills, picturesque canals, and vibrant cities like Amsterdam.
18.NorwayFamous for its fjords, Northern Lights, and natural beauty.
19.PolandKnown for its medieval architecture, rich history, and hearty cuisine.
20.PortugalA destination offering beautiful beaches, historic cities like Lisbon, and delicious cuisine.
21.SlovakiaKnown for its dramatic landscapes, castles, and vibrant capital city, Bratislava.
22.SloveniaA hidden gem with stunning landscapes, historic towns, and natural beauty.
23.SpainFamous for its diverse culture, beautiful beaches, and vibrant cities like Barcelona and Madrid.
24.SwedenRenowned for its design, innovation, stunning landscapes, and the mesmerizing Northern Lights.
25.SwitzerlandKnown for its breathtaking Alps, chocolate, watches, and picturesque towns.

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 VisaEnables 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 VisasIssued 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 VisitsGranted 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:

Accommodation and Trip Cancellation

Trip Cancellation

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

Emergency dental expenses coverage by HDFC ERGO Travel Insurance

Flight-related Reimbursements

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

Personal Accident

Emergency Medical Expenses

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

Personal Accident : Common Carrier

Dental Expenses

Includes dental care during travel, subject to policy terms.

Hospital cash - accident & illness

Personal Accident Coverage

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

Hospital cash - accident & illness

Emergency Cash Assistance

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

Hospital cash - accident & illness

Baggage and Content Coverage

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

Hospital cash - accident & illness

Personal Liability

Assists in compensating third-party damages while abroad.

Hospital cash - accident & illness

Hospital Cash and Loss of Documents

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

Hospital cash - accident & illness

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

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.

Consumption Of Intoxicant Substances not covered by HDFC ERGO Travel Insurance

Intoxicant Substance Consumption

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

Pre Existing Diseases not covered by HDFC ERGO Travel Insurance

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 Treatment not covered by HDFC ERGO Travel Insurance

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 Injury not covered by HDFC ERGO Travel Insurance

Self-Inflicted Injuries

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

Adventure Sports Incidents

Adventure Sports Incidents

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

Non-Medical Evacuation

Non-Medical Evacuation

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

High-Risk Activities

High-Risk Activities

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

Non-Compliant Medical Care

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.

List Of Countries Where Travel Insurance Is Mandatory

my:health medisure super top-up plan

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
my:health medisure super top-up plan

Other countries

  • Cuba
  • Ecuador
  • Iran
  • Turkey
  • Morocco
  • Thailand
  • UAE
  • Togo
  • Algeria
  • Romania
  • Croatia
  • Moldova
  • Georgia
  • Aruba
  • Cambodia
  • Lebanon
  • Seychelles
  • Antarctica

Source: VisaGuide.World

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Frequently Asked Questions

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.

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

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

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.

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.

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.

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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