Knowledge Centre

Benefits of Buying a Travel Insurance Policy Along With Your Schengen Visa

Europe is a beautiful continent to explore and if you are planning for a vacation there or are travelling there for a business purpose then it is mandatory you insure your travel with Schengen travel insurance. The Schengen travel policy is mandatory and your Schengen visa would not be approved without producing the said policy document. Buying Schengen travel insurance not only gives you peace of mind but also offers a host of benefits to ensure you have safe and happy travel experience. Read below all about the benefits of buying a Schengen travel policy along with your Schengen visa.

Benefits of buying Schengen travel insurance

  • Provides coverage for medical expenses: If anytime during your travel in Europe, you are hospitalized due to sickness or an accident, then the policy offers coverage for the medical expenses incurred.

  • Loss of passport: The policy compensates you for the expenses up to $250 you have borne to avail a temporary or duplicate passport.

  • Financial assistance: In case if you are in urgent need of cash due to theft, robbery, mugging or dacoity during your stay in a European country, then this policy provides you coverage for coordinating with your family to obtain cash.

  • Personal accident: Provides coverage against death or disability caused due to an accident.

  • Personal Liability: The policy covers all the legal expenses arising out of damages caused to a third party or property. This coverage is applicable only if you are legally liable to pay compensation to a third partytowards medical expenses or property damage.

  • Loss or delay of checked-in baggage: In case of loss of checked-in baggage, the insurance company pays you up to a specified limit. However, in case of delay of baggage for more than 12hours, we will reimburse your for the expenses incurred for your essentials .

  • Travel inconvenience: The Schengen travel policy offers coverage against flight delay, , hijack distress, and others.

Exclusions of Schengen travel insurance

  • Self-inflicted injuries such as suicide, mental disorder, venereal diseases, HIV/Aids, drug abuse, etc.

  • Pre-existing medical conditions

  • Expenses related to travelling abroad for treatment of disease is not covered

  • Damages caused due to war or nuclear threat in the country you are travelling to.

  • Any injuries arising due to participation in sports activities is not covered

  • Pregnancy is not covered

You can apply for a Schengen visa along with the copy of the passport that should be valid for at least three months beyond the period of your stay in a European country. This means if you plan a trip to Europe for a period of 2 months, then your Schengen visa should be valid for at least 5 months from the date of your travel. The Schengen visa allows the holder to a total stay of up to 90 days within a period of 6 months for tourist or business purposes. If you get a multiple entry Schengen visa, you may leave and return any number of times within the 180-day period, but the combined stay within the region must not total more than 90 days.

Countries that are covered under Schengen Travel Insurance

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

Now that you know about the benefits of Schengen insurance, you can buy the Schengen travel policy online from HDFC Ergo. Schengen travel insurance is available for both individual travelers as well as families. So what are you waiting for now? Buy a Schengen travel insurance to insure your trip to the European continent.

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


Awards & Recognition