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Compare Schengen Visa Medical Insurance, Indian travel insurance for Schengen Visa

Compare Schengen visa insurance for Indians

Free quotes for 30,000 Euros Travel medical

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europe travel insurance

Plans satisfy Schengen Visa requirements

  • 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.
  • Click here for more information.

Compare Indian Schengen Visa Travel Insurance Plans

Understanding the available Indian travel insurance options for travel to Europe is complicated. There are many plans, different benefits and coverage, plan maximum options and restrictions. Deciding on a policy that best suits your needs is not always easy.

We have created an comprehensive, easy to use 'Compare Indian travel insurance quotes for Schengen Visa' that simplifies the process of identifying, and buying the most appropriate policy for your needs. Our 'quote-compare engine' displays best Schengen visa insurance plans that satisfies all the requirements as mandated by the consulate . It also helps you select, compare and purchase a policy that best meets your specific needs.
Compare Schegen Visa Travel Insurance

What kind of travel insurance do I need for Schengen visa?

First and foremost, the traveller must be aware that it is mandatory for having an insurance plan in place prior to their application for a Schengen visa. A Schengen visa will not be granted without a relevant insurance plan attached along with the visa application. As per the Schengen Visa Authorities, there needs to be a minimum of €30,000 (currently approx. USD $40,000 / ₹ 24,00,000). Check out the official link regarding the same - https://www.schengen-visa-info.eu/schengen-visa-requirements.

But given the cost of healthcare in all European countries, it is advisable to have a coverage between $250,000 and $500,000 (₹INR 3.50 crores) for your trip. Also most Indians visit Europe for a holiday/sightseeing and spend on an average around 12-15 days there. Given this duration of stay, it is like that the traveller could have a non-medical exigency like a Loss of Passport, Baggage Delay/Loss, Missed Flight, Flight Delay, Bounced Hotel or even a Trip Cancellation/Curtailment. So it is recommended that the traveller also opts for a plan with a wide range of Non-Medical benefits to cover potential risks that can spoil their holiday and cause them a financial loss.

Which is the best Travel Insurance company to provide insurance while travelling to Schengen countries?

Most Indian insurance companies today offer a specific plan for travel to Schengen countries. As the traveller should be aware, it is mandatory to have an insurance 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.

Figs in $ USD Switzerland Spain UK India
Humira Drug for Arthiritis / Skin Conditions 822 1,253 1,362 1,000
Harvoni Drug for Hepatitis C 16,861 18,165 22,554 2,000
Avastin Drug for Cancer 1,752 1,534 470 450
MRI Scan 503 788 175
Day in Hospital as an Inpatient 4,781 424 200
Appendix Surgery 6,040 2,003 9,000 1,500
Cataract Surgery 2,114 1,719 3,145 300
Bypass Surgery 34,224 14,579 24,059 8,000
Knee Replacement 20,132 6,686 18,481 4,500
Source - International Federation of Health Plans / Indicure

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/Loss, Missed Flight, Flight Delay, Bounced Hotel or even a Trip Cancellation/Curtailment. So it is recommended that the traveller also opts for a plan with a wide range of Non-Medical benefits to cover potential risks that can ruin their holiday.
Schengen Visa Travel Insurance Plan
Insurance Companies offering Schengen visa travel insurance
TATA AIG Insurance Plans Bajaj Allianz Insurance Plans Cholamandalam Insurance Plans apollo munich travel insurance Reliance Insurance Plans Future Generali Insurance Plans Religare Insurance Plans Royal Sundaram Insurance Plans
Overview

The Schengen visa Travel Insurance plan is specifically designed for travelers visiting Schengen Countries in Europe. It is important to note that insurance is a mandatory requirement for a visa to be granted to these countries. Visas are normally issued for 90 days for the following 26 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

The insurance Accident & Sickness Sum Insured should be atleast 30,000 Euros

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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
Best and cheapest Schengen visa Insurance in India?

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Travel insurance useful links

How to buy online?

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 Tata AIG travel medical insurance after approval.

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Online Renewal

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


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Insurance claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.


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Tips on air travel

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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