€30,000 Schengen Travel Insurance from India - Cost, Plans & Buy Online 2026
If you are applying for a Schengen visa from India, you need to have travel insurance that covers least €30,000 for medical expenses. A lot of travellers buy this insurance just to meet the requirements of the embassy. It is a good idea to understand what this amount of money actually covers. This will help you choose the protection for your trip.
In this guide we will explain why the European Union made €30,000 the requirement, what kind of medical emergencies it covers how much treatment really costs in Europe and whether you should consider getting higher coverage like $50,000 or €100,000.
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Is Travel Insurance for Schengen Visa 30000 Euro Mandatory From India?
Yes, for Indian travelers desiring to visit any of the 29 Schengen countries, Travel insurance is mandatory for obtaining a visa. According to European Union Regulations, proof of adequate and valid travel medical insurance, as per the Terms & Conditions of the regulations, is required for all Schengen visa applicants. Without this insurance coverage, your visa application will be denied.
Which is the Cheapest Travel Insurance for Schengen Visa From India?
The cost of Schengen insurance for Indians is between ₹716 and ₹22,473 for 30 days depending on your age. If you are between 18 and 50 years old the cost will be lower. If you are above 60 years old the cost will be higher between ₹2,224 and ₹22,473 for 30 days. Cheap Schengen travel insurance will not get your visa rejected if it meets the requirements - the minimum is €30,000 coverage, valid for all Schengen countries and for the entire trip duration.
Best Insurers for €30,000 Schengen Travel Insurance
Top Indian insurance companies offering Schengen-compliant plans approved by Schengen authorities.
| Insurance company | Key features | Unique advantages |
|---|---|---|
| Care | Coverage from €30,000 · Cashless inpatient hospitalisation · Overseas assistance via Falck | checkPre-existing cover checkNo sub-limits (Platinum) |
| TATA AIG | Medical $50,000–$1,000,000 · Large cashless network · Baggage loss/delay & personal liability | checkPrompt claims checkCompetitive premiums |
| Bajaj General Insurance | Plans from $50,000 · In-house claims settlement · Medical evacuation & repatriation | checkCovers up to age 100 checkEurope hospital network |
| IndusInd | Coverage up to €50,000. Europe Assist cashless network · Trip cancellation & flight delay | checkBest Rates checkPre-existing (life-threatening) |
What Is the Best Travel Insurance for 30000 Euro From India?
Looking for the best 30000 euro travel medical insurance? The best travel insurance for 30000 euro is Care Health Explore Europe travel insurance. Other comprehensive travel medical insurance for 30000 euro are TATA AIG, IndusInd (earlier Reliance General), Bajaj Travel Companion. These plans ensure comprehensive coverage across all Schengen countries with 24x7 assistance and claims support along with satisfying the 30000 euro visa requirements.
The approximate cost of travel insurance for 30000 euro visa per month for 35 years old traveler with medical maximum of $50,000 and $0 deductible are as follows.
Prices for a 30-day Schengen trip. Refer to individual policy brochures for latest premiums and benefits. Premium rates are subject to change.
What Is the Best 30000 Euro Travel Insurance Cost in India?
The cost of €30,000 Schengen travel insurance from India starts at just ₹716 per month for a 35-year-old traveller. If you are applying for a Schengen visa, European Union regulations require proof of travel insurance covering at least €30,000 in medical expenses. In this guide we compare the cheapest plans, explain what the coverage actually includes, and show you the real cost by age group for 2026.
The best 30,000 Euro travel insurance is Care Health Explore Europe travel insurance. Other comprehensive travel medical insurance for 30000 euro are Tata AIG, IndusInd (earlier Reliance General), Bajaj Travel Companion. These plans ensure comprehensive 30000 euro travel insurance coverage across all Schengen countries with 24x7 assistance and claims support along with satisfying the Schengen visa requirements.
The 30,000 Euro travel insurance cost in India per month for 35 years old traveler with medical maximum of $50,000 and $0 deductible are as follows.
How Many Days of Schengen Insurance Should You Buy - 7, 15 or 30 Days?
Your insurance must cover your trip from the day you leave India until the day you return - not just your time inside Schengen countries. Most consulates also recommend adding 1-2 buffer days to either end.
How to Buy Schengen Travel Insurance Online (2 Minutes)
Frequently Asked Questions About €30,000 Schengen Travel Insurance
Get clear answers to common queries before buying your Schengen travel insurance
This amount of money is supposed to cover things like:
- Emergency hospitalization in Europe
- Medical treatment while you are traveling
- Emergency evacuation or ambulance services
- Sending you back to India if something serious happens
- Transportation of your body if something terrible happens
- €50,000
- €100,000
- $50,000 or $100,000 worldwide plans
Most standard €30,000 Schengen plans cover pre-existing conditions only if they result in a life-threatening emergency. Routine treatment or planned medical visits for a pre-existing condition are not covered.
For example: if you have diabetes and suffer a cardiac emergency in Paris directly related to your condition, most plans will cover the emergency hospitalisation. However, if you need insulin refills or routine check-ups, those are not covered.
IndusInd and Care are the most commonly recommended plans for travellers with pre-existing conditions. If your condition is stable and declared, compare both plans before buying.
Schengen Travel Insurance Cost for Families from India
Buying individual policies for each family member is usually more expensive than purchasing a family plan. Here is an approximate cost comparison for a family of four (2 adults aged 35, 2 children) for a 15-day Schengen trip:
| Insurer | Individual x4 | Family plan | Saving |
|---|---|---|---|
| Care | ₹2,068 | ₹1,750 | ~₹318 |
| Bajaj General | ₹2,588 | ₹2,200 | ~₹388 |
| Tata AIG | ₹3,904 | ₹3,200 | ~₹704 |
Indicative prices. Use the quote form for exact family plan premiums based on actual ages.
Get family plan quote →How to Make a Schengen Insurance Claim from Europe as an Indian
If a medical emergency happens during your Schengen trip, follow these steps to ensure your claim is accepted without delays.
In an emergency (first 30 minutes)
Documents to collect at hospital
- check_circleOriginal hospital bills with itemised costs
- check_circleDoctor's diagnosis report and treatment notes
- check_circleAll prescription receipts
- check_circleDischarge summary (if hospitalised)
- check_circleCopy of your passport and visa
- check_circleBoarding pass or travel itinerary showing dates
Always verify helpline numbers from your policy document before travel.
Medical Treatment Costs by Country - Is €30,000 Enough?
Medical costs vary significantly across Schengen countries. Here is how €30,000 holds up against average emergency costs in popular destinations for Indian travellers.
| Country | Avg hospital night | Emergency surgery | €30,000 sufficient? |
|---|---|---|---|
| 🇩🇪 Germany | €700–1,200/night | €8,000–20,000 | Usually yes |
| 🇫🇷 France | €600–1,000/night | €7,000–18,000 | Usually yes |
| 🇨🇭 Switzerland | €2,000–4,000/night | €25,000–60,000 | Often not enough |
| 🇳🇴 Norway | €1,500–3,000/night | €20,000–50,000 | Often not enough |
| 🇮🇹 Italy | €500–900/night | €6,000–15,000 | Usually yes |
| 🇦🇹 Austria | €800–1,400/night | €10,000–25,000 | Marginal |
Which Schengen Insurance Plans Are VFS Global Accepted?
VFS Global processes Schengen visa applications on behalf of most European embassies in India. They check insurance documents at the time of submission. All plans listed on eIndiaInsurance that meet the following criteria are accepted by VFS Global:
Insurance Documents Checklist for Schengen Visa Application
When you submit your Schengen visa application at VFS Global or the embassy, carry these insurance-related documents:
Mandatory documents
- check_circleOriginal policy certificate (printed, A4)
- check_circlePolicy must show insurer name in English
- check_circleCoverage amount (minimum €30,000 stated clearly)
- check_circlePolicy start and end dates matching visa travel dates
- check_circlePolicyholder name matching passport exactly
- check_circleCoverage valid for all Schengen countries
Common mistakes to avoid
- cancelExpired policy or wrong date range
- cancelCoverage in USD without confirming €30,000 equivalent
- cancelName on policy differs from passport (even a middle name)
- cancelSubmitting a screenshot instead of the official policy PDF
- cancelCoverage limited to one country (e.g. France only)
- cancelBuying insurance after the visa appointment date
Explore More Schengen Insurance Options
Schengen Travel Insurance Cost per Day in India - 2026 Rupee Rates
The cost of €30,000 Schengen travel insurance from India in 2026 ranges from ₹24 to ₹224 per day depending on your age and the insurer you choose. A 35-year-old traveller pays approximately ₹24/day with Bajaj General - the lowest available rate. Travellers above 65 pay between ₹64 and ₹224 per day. Below is a quick per-day cost reference.
Per-day rates calculated on 30-day Schengen trip. Rates for 2026. Verify current premium at checkout.
€30,000 Schengen Travel Insurance for Senior Citizens (60+) from India
Travellers above 60 face higher premiums and more stringent medical underwriting. Here is what you need to know before buying Schengen insurance as a senior citizen from India.
What does the cheapest travel insurance for Schengen Visa cover?
Emergency Medical Expenses
Full coverage for unexpected medical emergencies abroad
Hospitalization
Inpatient & outpatient coverage included
Medical Evacuation & Repatriation
Air ambulance and return-to-India coverage
Loss of Passport / Baggage
Protection for checked-in baggage and travel documents
Personal Accident Coverage
Financial protection against accidental injuries
Trip Delay / Cancellation
Optional add-on; COVID-19 coverage on select plans
Schengen Visa Insurance requirements for Indians
Real medical claim examples
42-year-old traveller · Emergency room · Cardiac care unit · Cardiac procedure & medicine
Senior traveller · Surgery · Hospital stay · Physical therapy · Medical transfer
Emergency mountain rescue · Fracture treatment
Should you buy €30K, €50K or €100K coverage?
Common myths about Schengen insurance
Embassies care about compliance, not price. A low-cost policy is accepted if it:
- check_circleCovers at least €30,000
- check_circleValid across all Schengen countries
- check_circleIncludes required medical benefits
Visa decisions depend on documentation, finances, travel history and purpose - not insurance amount. Higher coverage helps with safety, not approval probability.
USD and EUR are different currencies. Always verify the euro equivalent. If purchasing USD coverage, choose at least $50,000.
Two compliant policies can differ greatly. Key differences:
What Does €30,000 Coverage Actually Cover?
Medical treatment in Europe costs 8–15× more than in India. A ₹50,000 treatment can easily cost ₹5–7 lakh in Europe.
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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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