Best Schengen Travel Insurance from India
Are you planning a trip to Europe in 2026? If so you need to know that travel insurance is one of the things you need to get a Schengen visa. We looked at travel insurance plans from companies like Bajaj General (formerly known as Bajaj Allianz), Tata AIG, Care Health Insurance, IndusInd (formerly known as Reliance General Insurance) and HDFC ERGO. These Schengen travel insurance plans start from ₹29 per day. This helps you meet the visa requirements without spending much money.
All the plans on this page give you the €30,000 medical coverage. They are accepted by VFS Schengen embassies. You also get benefits like emergency treatment, hospitalization and travel assistance during your trip.
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Best and cheapest Schengen visa Insurance in India
The Schengen visa allows travellers to visit any of the 29 member countries (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) without requiring a specific visa for each country. The traveller needs to just apply for single Schengen visa and inform the authorities about the countries they are likely to visit. Firstly, it is mandatory for the traveller to buy travel insurance for Schengen visa and since it is mandatory to have Travel Insurance when one is travelling to Europe, the traveller should ensure they have a comprehensive coverage in place. Secondly the minimum sum insured coverage for Accident & Sickness (A&S) needs to be €30,000 (currently approx. USD $40,000 / ₹ 24,00,000). Without these conditions being met, no visa is granted for entry to any of the Schengen countries.
For the traveller, it is equally important to understand that the cost of healthcare is significantly higher when compared to India and hence the traveller is advised to opt for a (A&S) coverage of atleast $250,000, but ideally $500,000 (₹INR 3.5 crores) under the plan they choose to buy. Also, given that almost all Indians travel to Europe on a holiday, one could suffer a non-medical emergency like a Trip Cancellation/Interruption, Loss of Passport, Baggage Delay/Loss, Missed Flight, Flight Delay or even a Bounced Hotel and hence ensure that the travel insurance plan that is being chosen also has a comprehensive range of non-medical coverages as well.
Currently Indian insurance companies like Tata AIG, Bajaj General, Future Generali, Religare Health and Royal Sundaram have Best travel insurance for Schengen visa for insureds travelling to Schengen countries. However it is not mandatory to buy a Schengen specific plan, one can opt for an Excluding Americas (Rest of the World) plan as well which is offered by all insurance companies, including the ones mentioned above.
Cheapest travel insurance for Schengen visa
Europe is today the largest tourist destination across all countries/continents in the world. According to UNWTO report, in 2018, 51% of the world’s travellers (around 627 million travellers, 62.7 crores) arrived in Europe and the visitors grew at a higher rate than overall global travel itself. There is clearly so much to see and experience across Europe and the Schengen visa has made it very convenient for traveller to criss-cross the continent without too many visa issues. The Schengen visa allows travellers to visit any of the 29 member countries without requiring a specific visa for each country and so the traveller needs to just apply for single Schengen visa and inform the authorities about the countries they are likely to visit.
Most Indian insurance companies today offer affordable travel medical insurance for travel to Schengen countries. As the traveller should be aware, it is mandatory to have India travel insurance for Schengen visa cover 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 be a minimum of €30,000 (currently approx. USD $40,000 / ₹ 24,00,000) for Accident & Sickness (A&S). While the Schengen authorities mandate €30,000 for getting a visa, it is important to keep in mind the cost of healthcare in all European countries while deciding on the final sum insured to opt for. The healthcare costs in Europe are relatively lower than USA but still significantly higher than India and hence the traveller should ensure they are adequately protected when they visit Europe. It is recommended that the traveller has a plan with A&S cover of atleast $250,000 or ideally $500,000 for their European trip.
Most Indians travel to Europe on holiday/sightseeing packages and average durations are around 12-15 days. Given this duration of stay, it is like that the traveller could also face a non-medical exigency like a Loss of Passport, Baggage Delay/ Baggage Loss, Missed Flight, Flight Delay, Bounced Hotel or even a Trip Cancellation/ Trip Curtailment. So it is recommended that the traveller also opts for good travel insurance for Schengen visa with a wide range of Non-Medical benefits to cover potential risks that can ruin their holiday. Tagged by India travel insurance for Schengen Visa | Affordable Indian travel insurance for Schengen Visa | travel insurance India for visiting Schengen Visa
Schengen Travel Insurance Requirements
The type of Schengen visa you apply for determines whether travel insurance is required and how long your coverage must remain valid.
Type A – Airport Transit Visa
For travellers who are simply changing flights at a Schengen airport and remain within the international transit area.
Type C – Short-Stay Visa
For tourism, business trips, family visits, conferences, and other short stays in the Schengen Area.
- Minimum medical coverage of €30,000
- Emergency medical treatment and hospitalization
- Medical evacuation and repatriation coverage
- Valid throughout all Schengen countries
- Coverage for the entire trip duration
Type D – Long-Stay National Visa
For students, employees, researchers, and individuals planning to live in a Schengen country for an extended period.
Most Indian Travellers Apply for Type C
If you are travelling to Europe for a holiday, business meeting, or to visit friends and family, you will most likely apply for a Type C Schengen Visa.
How Much Does Schengen Travel Insurance Cost?
Schengen travel insurance cost starts from ₹716 for 30 days. Some of the best Schengen travel insurance from India listed below meet the Schengen visa requirements and are widely recognized by VFS Global and consulates.
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Why Choose EIndiaInsurance for Schengen Travel Insurance
There are several top rated Indian insurance companies that offer travel insurance which satisfy consulate requirements for the Schengen visa (Approved by VFS Global). Compare free quotes from leading insurers and buy your plan online in just minutes. Our insurance certificates are already formatted for embassy submissions. We have helped over 50,000 travellers get their visas approved with zero insurance-related rejections.
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