Europe Travel Insurance - Indian Insurance for Schengen Visa

Free quotes for Schengen visa Travel medical insurance

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Europe Travel Insurance - Introduction and Requirements

Europe Travel Insurance has been made convenient with the Schengen Visa. Europe Travel Insurance common visa allows you to travel to 24 schengen countries. However Schengen visa countries require visitors to have health insurance coverage. Schengen Visa insurance requirements are specified by the consulates.

Traveling in Europe has been simplified with the introduction of the Schengen visa. If you are a non US citizen and intend to transit through or visit the Schengen countries, you have to obtain your Schengen visa from the Consulate of the country of your main destination.

However, the proof of health insurance cover for your stay in the Schengen area has to be presented to the consulate prior to issuance of visa.

  • Minimum medical insurance coverage of at least €30,000
  • Travel medical insurance coverage for repatriation and emergency medical evacuation.
  • The insurance company must have an representative office in Europe.
Europe Flag
Schengen visa insurance requirements for countries like Germany, France, Greece etc. include: An overseas education is an exciting horizon broadening experience and often results in promising career opportunities for students. Along with academics we tend to explore the surroundings during spare time. The opportunity to explore however involves the risk of an accident, sudden sickness or loss of sponsorship. Far away from home, The coverage ensures that you are not left alone during a crisis. Along with medical coverage, policies also provides bail bond to protect you while arrested or detained by police for bailable offense while abroad. Have a successful overseas education covered with appropriate plan.

How much is the travel insurance for Schengen visa?

Indian insurance companies offer specific plans at differing sum insureds for travel to Schengen countries. As the traveller will be aware, it is mandatory to have an insurance policy in place prior to applying for a Schengen visa, and the visa will not be granted without the insurance. The Schengen Visa authorities also have made it mandatory for the insurance coverage to be minimum of €30,000 (currently approx. USD $40,000 / ₹ 24,00,000) for Accident & Sickness (A&S). It is however suggested that given the cost of Healthcare throughout Europe, the traveller opts for a sum insured between $250,000 and $500,000 (₹INR 3.50 crores) to be reasonably well covered during the trip.

As one can see in the table below, the incremental cost of option for a higher sum insured is relatively low and given that the cost of a European holiday will be around ₹150,000, the cost of insurance will be around 1-1.5% even for a sum insured of $500,000. So it is advisable to opt for the maximum coverage available to enjoy a stress free holiday.

Age / Sum Insured $30,000 $50,000 $250,000 $500,000
28 years 733 876 1,258 1,424
55 years 867 986 1,419 1,863
(Premium in ₹ INR) **
** - please note that the above premiums are for specific plans for Schengen countries.

Is travel insurance mandatory for Schengen visa?

Yes, as per the Schengen visa authorities, Travel Insurance is mandatory for the applying and receiving a Schengen visa. It is important to note that the minimum health coverage (for Accident & Sickness, A&S) needs to be €30,000 (currently approx. USD $40,000 / ₹ 24,00,000). Without such an insurance plan, the visa to Schengen countries will not be granted.

It is however recommended that given the cost of Healthcare throughout Europe, the traveller opts for a sum insured between $250,000 and $500,000 (₹INR 3.50 crores) to be reasonably well covered during the trip.

Schengen Visa

Schengen Visa

Broadly speaking, there are two types of Schengen Visa of general interest.

  • Business Visas
  • Tourist Visas

Both types can last for a maximum six months and, in that six months period, they will allow a maximum of ninety days to be spent in the Schengen Zone. You will not normally be issued with multiple Schengen Visas with one six month period so, if multiple visits are required then a multiple entry visa will be necessary.

Compare Quotes & Purchase

Compare Quotes & Purchase

There are many plans with various coverages options available for side-by-side comparison and online purchase. We have created a comprehensive, easy to use Europe insurance quote engine that simplifies the process of identifying, and buying an appropriate policy that meets the visa requirements for schengen countries. Our insurance quote-compare engine helps you select, compare and purchase a policy that best meets your specific needs.

Applicants - Information

Applicants - Information

  • If you intend to transit through or visit any of the Schengen states for up to 90 days for either tourist or business purposes, you have to obtain your Schengen visa.
  • The visa can be obtained from the Consulate of the country of your main destination. If your main destination cannot be ascertained, the country you first enter is responsible for granting your visa.
  • Along with the proof of health insurance, the main requirements for Visa are listed below. However we advise you to confirm from the consulate if you need any additional documents.
Requirements of Schengen Visa

Requirements

  • 2 application forms (completely filled in) with photograph.
  • valid passport (validity must extend until at least 3 months after the end of the planned journey).
  • copy of itinerary with confirmed reservation, airline ticket to be presented prior to issuance of visa.
  • proof of sufficient means of support e.g. bank statements, proof of income or an invitation letter and sponsorship declaration from your relatives / friends in a Schengen country.
  • Letter from your company giving details about your business trip.
  • proof of health insurance cover for your stay in the Schengen area to be presented prior to issuance of visa.
  • visa fees (please contact the Embassy or Consulate where the application is to be lodged).
  • Minors traveling by themselves or with only one custodian need to contact the respective Embassy or Consulate for further requirements.

Compare Quotes & buy the best Europe travel insurance for Indians

There are several top rated Indian insurance companies that offer travel insurance which satisfy consulate requirements for the Schengen visa (Approved by VFS Global). However, deciding on a specific policy can be cumbersome given the many options. The Indian travel insurance plans for Europe have different medical maximum coverage, different deductible options and limitations. Choosing a policy that satisfies your specific requirements is not always simple.

At eIndiaInsurance.com we have created a comprehensive, easy to use 'Compare Indian travel insurance for visiting Europe quotes' utility that simplifies the process by comparing popular Schengen visa insurance quotes as well as their benefits. At one place, you can compare policies of different companies, and then purchase the policy that you like best. You can purchase using your credit card, and the policy will be emailed to you. A print out of this policy document should be provided to the consulate along with the visa application.

  Compare Schengen Visa Insurance for Indians
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Coverages Offered Some insurers offer a plain Accident & Sickness coverage for 30,000 Euros, which is the minimum requirement for obtaining a visa. Policy Exclusions
  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments

Europe Travel Insurance Overview

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You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Insurance Claims

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Tips on air travel

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