Knowledge Centre

Europe Travel Insurance

Planning a trip to the exotic locations of Europe or all set to study at one of its top universities? We hope you have your travel insurance right at the top of your checklist. To protect yourself and your loved ones from any unforeseen expenses and troubles, it’s critical to opt for a travel insurance policy that takes care of loss/theft of documents or baggage, flight delays, an accident or injury leading to hospitalisation, compensation of damages to be paid to a third party, etc. Similarly, other mishaps like missing connecting flights, or having to cancel a trip owing to extreme weather conditions can cause great inconvenience and add significantly to the budget. Travel insurance can be your ticket to a hassle free stay in Europe. There are different insurance plans available depending on the purpose of your visit. It is also important to make sure that your policy provides adequate coverage for some of the most common travel mishaps.

Especially, when it comes to execute the first ever Europe plan it has to be special. If you are planning to pursue higher education at the Schengen countries or a business meeting, you have to get travel insurance for Schengen VISA from India. For travelling across Schengen countries you need to have travel insurance for Schengen VISA.

Before you plan for a visit to the Schengen countries, it’s important to know some basic information insurance requirements.

Europe as a Travel Destination

If you are a cinephile, the films shot in the breathtaking locales in Europe must have impressed you and most likely, a trip to Europe became a part of your bucket list. European countries have no dearth of cities that are world-famous for their rich culture, architecture, and cuisine. From snowcapped mountains to beaches known for their nightlife, and from stunning museums to gigantic monuments, you name it and Europe has it. Admiring the birthplace of democracy in Athens, feeling a sense of royalty in the Scottish Highlands, losing yourself in the Renaissance art of Florence, enjoying gondola rides in the canals of Venice and taking a stroll in the Luxembourg Garden —there will never be enough time to experience the marvels found in this continent. From fine dining to street food, gastronomes too will find a number of options to satisfy their taste buds. Also, it is advised to travel light in this continent because from perfumes to apparels, you will be spoilt for choice in the continent that is also considered a shopaholic’s paradise

Travel Insurance Needed in Europe

Many European countries make it mandatory to have travel insurance regardless of the purpose of your stay i.e. without buying travel insurance, your visa application won’t get approved. It’s primarily because they want the travelers to be able to avail medical services in case of an accident, injury or any other unfortunate events and not worry about the financial constraints. Medical insurance for Schengen visa that covers all Schengen states requires the minimum coverage to be of least 30,000 euro (a little less than 2.5 lakhs rupees) because medical expenses can be quite hefty and the risk of falling sick while travelling to different corners of a continent is significantly high. Apart from medical emergencies, the insurance will provide other benefits like repatriation, loss of checked-in baggage, financial emergency assistance, and hijack distress allowance among others. Experts suggest that people with preexisting health conditions should carry their medical file for better treatment and eliminate any claim disputes.

What is Schengen VISA?

Named after a small village in Luxembourg where the initial agreement was signed, Schengen is an area comprising 26 European states. A Schengen visa is a short stay visa that allows its holder to travel in the Schengen area. One of the fundamental rights the EU grants to its citizens and to non-EU nationals like businesspersons and tourists is free and unrestricted movement. This is so that they can travel without special formalities andcross internal borders without being subjected to border checks. However, border officials may ask for other supporting documents such as an invitation letter, proof of lodging, return ticket, etc

Schengen Visa Eligibility

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. With the Schengen visa, the holder can transit through or stay in the territory of the Schengen States for a duration of no more than 90 days in any 180-day period. If someone wishes to stay longer than that for work or educational purposes in one of the Schengen states, then he/she must apply for a national visa of the specific European country instead of a Schengen Visa. Similarly, you will need a national visa to visit non-Schengen countries while visiting Europe. Visiting Europe is set to get costlier from February 2020 as the fee for Schengen visa is to be raised to 80 Euro from 60 Euro. As per the new visa code, children between 6 to 12 years of age will now pay 40 euro, a hike of five euros, while no fee will be charged for infants and children below six years of age. The updated regulations will also extend the visa application period from three to six months.

Countries Under Schengen Visa:

1. Austria

10. Hungary

19. Poland

2. Belgium

11. Iceland

20. Portugal

3. Czech Republic

12. Italy

21. Slovakia

4. Denmark

13.   Latvia

22. Slovenia

5. Estonia

14. Lithuania

23. Spain

6. Finland

15. Luxembourg

24. Sweden

7. France

16. Malta

25. Switzerland

8. Germany

17. Netherlands

26. Liechtenstein

9. Greece

18. Norway

 

What’s Included?

Medical Related Coverage

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Emergency medical expenses

If there’s a medical emergency, we’re there with our cashless treatment facility because you’ve got a friend in us.

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Emergency dental expenses

Did you know that dental expenses abroad can exceed your budget -trip? But worry not, our emergency dental treatment will ensure a smile in every selfie!

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Medical evacuation

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

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Hospital daily cash allowance

Petty hospitalisation expenses can eat into your trip money. Although medical expenses will get covered seamlessly, with hospital daily cash we look at reimbursing those little expenses as well.

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Medical & Body Repatriation

In case of a death, we’ll bear the cost to transfer the mortal remains to the home country.

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Accidental death

We are with you not just in sickness and health but also in case of an accidental death. We will provide a lump-sum compensation to your family under such unfortunate circumstance.

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Permanent Disablement

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation to make things a little easier for you.

Baggage-related coverage

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Loss of Baggage & Personal Documents

You don’t want to be in a foreign country without your passport, right? Neither do we, so we will reimburse the expenses for getting a duplicate/new passport.

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Loss of checked-in baggage

What’s the point of vacation shopping if your luggage gets lost? Don’t worry, we’ll compensate you for the loss of your checked-in baggage.

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Delay of checked-in baggage

You are travelling to have fun and not to wait at the baggage collection. So, if your luggage gets delayed, we’ll reimburse you for the essentials while things get sorted.

Journey-related coverage

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Personal liability

In a foreign land if you are accidentally liable for any third party damage, we will compensate you for the same.

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Financial Emergency Assistance

Even on a solo travel you are not alone. We’ll provide emergency cash in case of robbery, theft, or dacoity.

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Hijack Distress Allowance

We might not be able to rescue a hijacked flight, but we’ll definitely compensate you for the distress it causes you.

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Flight delay

Flight delays are annoying, right? We will make it a little less so by reimbursing you for the essential purchases you make in the meanwhile.

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Hotel Accommodation

Let us take care of your extended hotel accommodation while you recover from your medical emergency.

What’s Not Included?

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Breach of Law

Any sickness or health issues caused to due to war or a breach of the law.

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Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

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Pre existing diseases

If you’re suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.

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Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

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Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

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Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.
Why HDFC ERGO?

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need 24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

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Frequently asked questions on Travel Insurance

Select the Sum Insured which will optimally cover you in case of any eventualities. We recommend the same basis your country of visit as average medical treatment cost varies from country to country.
Certainly. You can buy travel insurance policy for your parents on Individual Sum Insured basis or on floater basis as you deem right.
Yes you can. HDFC ERGO travel Insurance policy offers cover to unaccompanied minor.
No. You can buy travel insurance for your immediate family members only.
Yes you can buy travel insurance in case you are an hypertensive /diabetic. Just declare the same. However, in case of medical emergency, you will be covered for all expenses excluding those for your Pre-existing Disease.
Deductible is the amount that the insured has to bear first in all cases and is deducted from the payable claim amount.
Sublimit is applicable for only those over 61 years. The same is specified in the policy schedule.
No, there is no such requirement. Just declare the Pre-exisiting disease condition and you are good to go.
This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy.
Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.
Absolutely. If you are travelling to Europe with your family, you can opt for the floater plan that will provide coverage to your whole family in one policy. Otherwise, you can go for the individual plan depending on each family member’s period of stay and coverage requirement. However, you cannot buy travel insurance for anyone who is not part of your immediate family
Yes, you can. Travel insurance doesn’t create a hindrance in your travel to Europe. Instead, it protects you during an emergency. So, don’t worry if you have a health condition. You don’t even have to take a pre-policy medical check-up; just declare the ailment while getting the policy because in case of a medical emergency, all your expenses will be covered excluding those for your pre-existing disease.
A ‘student travel insurance’ plan is a standalone policy that protects the policyholder in case of any medical emergencies, financial problems or situational difficulties like luggage and document theft. The student travel insurance plan provides some benefits meant only for students. It pays for the tuition fee for the time when their academic schedule may be interrupted due to hospitalisation. It also reimburses the advance payment if the insured is forced to terminate their academic programme due to illness or some other unavoidable reason. As part of its compassionate visit clause, it even pays for the travel and stay of one family member when the policyholder requires hospitalisation for more than a week (and there is no family member already present in the vicinity). It even pays the remaining tuition fees of the insured in the event of accidental death of the insured’s sponsor
If all your last trips have gone without any mishap, do not decide to skip taking travel insurance for your next trip. It is also not advisable to buy a policy at the eleventh hour. This can disturb your annual budget altogether and you may get a below-average deal due to paucity of time and lack of research. Always read the clauses carefully to understand the dos and don’ts to get a successful claim settlement in case things go downhill. You should check the expiry date of your existing policy and renew it before leaving if you have not opted for an automatic renewal.
Travellers either opt for insurance with high coverage limit (maximum sum of money an insurer will pay per claim) or a low-priced one believing that it’s just a waste of money. So, it can be confusing to find the policy that is perfect for you since there is no one answer for everyone. Along with other factors, the sum insured should also be based on countries you are visiting in Europe as the average cost of medical treatment varies from country to country. The best choice is the one that gives you the coverage that you really need and provides it at a reasonable price. One should not get tempted by the additional perks in costlier packages. Similarly, cheaper policies will disappoint you in case of big emergencies .
You can opt for single trip international insurance or a multi-trip one. As the name suggests, the former is for those who wish to travel just once to a particular overseas destination. For those who travel to multiple countries or visit the same country many times in a year, the annual multi-trip scheme is more appropriate as it saves them the trouble of multiple renewals. You can buy it for a year and travel as much as you wish or you can opt for ‘Pay Per Day’ schemes (from HDFC ERGO) if you don’t want to end up paying for more days than you actually travel. .
Once your journey has begun, you cannot buy a policy because your policy start date and purchase date cannot be later than the commencement date of your trip. But it is possible to change your travel dates after taking the policy.You can even cancel your insurance anytime before the policy start date in case you have to cancel your travel. A small fee will be charged for the cancellation. However, if you are stuck in a foreign country due to unforeseen circumstances, you can extend the policy online before the policy expiry date in a seamless manner. It will keep your stay covered for the extended period. HDFC ERGO offers plans according to which you can extend the policy several times for a maximum of 360 days from the initial policy start date
Hoping that you have opted for an insurer with a high claim settlement ratio (like HDFC ERGO), you will find the whole process quite transparent and smooth. Inform the policy provider on time, as most policies clearly state that no coverage will be provided if the policyholder doesn’t inform the agency within the stipulated time. The providers usually have a 24x7 helpline or are prompt to respond over mail. Therefore, before going on the trip, check your travel policy papers and note down important contact numbers and email IDs, and provide all the details about the accident that you have to your insurance agency.
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