With travel insurance for a Schengen visa, travellers secure the mandatory financial and medical safety net and it also protects travellers from unexpected expenses abroad.
Many travellers from India visit Schengen countries every year. To enter the country, you need to prepare your travel documents for Europe such as a visa, valid passport and more. But one essential requirement for getting a visa is travel insurance.
With travel insurance for a Schengen visa, travellers secure the mandatory financial and medical safety net required by the European consulate. It also protects travellers from unexpected expenses abroad, such as medical emergencies, baggage loss and more.
In this article, we compare leading travel insurance plans across coverage limits, benefits and more to help you choose the best holiday insurance for your European journey.
Schengen visa travel insurance is mandatory coverage that meets official Schengen Area entry regulations and protects travellers against overseas medical and emergency expenses. Here are the key requirements travellers must meet to obtain the best holiday insurance for a Schengen visa.
● Minimum Medical Coverage: Provides at least €30,000 (or local currency equivalent) in medical coverage to protect against high out-of-pocket costs.
● Emergency Treatment & Inpatient Care: Covers urgent medical intervention, surgical procedures, and inpatient hospitalisation resulting from unexpected illness or injuries abroad.
● Medical Evacuation & Repatriation: Includes mandatory emergency medical transport to the nearest suitable facility and repatriation of remains.
● Universal Schengen Validity: Remains active and legally recognised across all Schengen member nations without geographic restrictions.
● Full Trip Duration Coverage: Protects the policyholder continuously from the day of arrival to the day of departure across the entire scheduled itinerary.
Compare Schengen visa travel insurance plans from different providers and choose the one that fits your criteria.
Insurer | Travel Insurance Plan Name | Starting Price | Key Benefits |
TATA AIG | TATA AIG Travel Insurance - International Plus | ₹22.5 Per Day | ● Sum Insured options for Medical Expenses ranging from $50,000 (EUR 43,000 approx.) to $1,000,000. ● Covers Emergency Medical Evacuation (up to 100% of Medical Sum Insured), Accidental Death & Disablement, and Repatriation of Mortal Remains (extra 25% over and above Medical Sum Insured) ● Built-in coverage for Visa Rejection (compensating non-refundable visa application costs and fees) |
ICICI Lombard | TripSecure+ Single Trip International Travel Insurance | ₹20 Per Day | ● Standard Schengen-compliant plans cap at $50,000 - $100,000 ● Covers basic emergency inpatient care, accidental death, evacuation, and repatriation. ● No direct visa rejection compensation |
Digit Insurance | Schengen Travel Insurance | ₹290 for a 4-day trip | ● Schengen plans provide sum insured coverage of $50,000. ● Covers emergency hospitalisation, accident treatment, and evacuation; repatriation expenses are bundled within the standard medical limit. ● No visa rejection compensation. |
● Know Your Travel Needs: Determine key trip details, including your destination and travel duration, to pinpoint the coverage you need.
● Compare Plans: Review a few insurers to find the best medical limits, useful benefits, and fair prices.
● Enter Your Travel Details: Open the insurer's website and fill in basic details like travel dates, destination, and traveller names.
● Upload Your Documents: Attach quick verification files, like your passport or any required health papers, right on the portal.
● Pay the Premium: Complete the payment online using UPI, a debit/credit card, or net banking.
● Get Your Policy: Check your email right away to download your policy copy and visa-ready insurance letter.
Travel insurance for a Schengen visa is necessary documentation that protects you from hefty medical and other travel-related expenses. TATA AIG offers a customised travel insurance policy designed based on your destination and trip duration.
With the plan in place, you can file and track claims online through their registered mobile app. Secure your Schengen country with the TATA AIG travel insurance plan now!
(The views and opinions expressed in this guest article are solely those of the author and do not necessarily reflect the views of Eastern Mirror)