Indian travel insurance for visiting Europe, Europe travel insurance from India

Free quotes for Schengen visa Travel medical insurance

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India has around 21 million (2.1 crore) International travellers and 13% of them were headed to Europe in 2017-18. France, UK, Switzerland and Germany are the four countries which account for almost 2 million (20 lac), clearly the largest share of the Indian travellers headed to Europe. According to the CAPA report which published this information, these four cities along account for almost 75% of all European travel with Italy & Netherlands also receiving a reasonable share of mainly leisure tourists. If any traveller is asked which is the most popular tourist attraction in Europe, they would spontaneously say the Eiffel Tower in Paris. But interestingly, the Eiffel Tower is only the 8th highest visited tourist location across Europe according to a 2017 study by TravelandLeisure.com which published the following list of 15 most visited tourist locations across Europe.

Position Tourist Location No of Annual Visitors
1 Grand Bazaar, Istanbul 15,000,000
2 Notre Dame Cathedral, Paris 13,650,000
3 Disneyland Park, Marne-la-Vallée, France 10,500,000
Sacré Coeur Basilica, Paris
5 Sacré Coeur Basilica, Paris 8,500,000
6 St. Peter’s Basilica, Vatican City, Rome 7,000,000
7 Colosseum, Rome 6,900,000
8 Eiffel Tower, Paris 6,700,000
9 Cologne Cathedral, Cologne, Germany 6,000,000
Sanctuary of Our Lady of Lourdes, Lourdes, France
Shrine of Padre Pio, San Giovanni, Rotondo, Italy
12 Palace of Versailles, Versailles, France 5,900,000
13 British Museum, London 5,800,000
14 St. Mark’s Basilica, Venice 5,600,000
15 Basilica of St. Francis of Assisi, Italy 5,500,000

Apart from these tourist attractions, there are other popular ones including the Swiss Alps in Switzerland for fulfilling your skiing aspirations, Leasing Tower at Pisa, Berlin Wall in Germany and the Van Gogh Museum in Amsterdam.

Europe has a very unique visa policy. There are 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) which have come together as Schengen Countries and they offer a standard comprehensive visa covering all these countries. This means that if there is a traveller is visiting any or multiple countries, they need just a single visa for their travel.

Another important aspect of this visa is that the traveller mandatorily needs Schengen Visa travel medical insurance policy to cover their trip with an Accident & Sickness cover of atleast €30,000. Hence the traveller will need to buy a 30,000Euro travel medical insurance policy before applying for a visa. Many of the Indian Insurers offer a specific Schengen Visa health insurance which are accepted by the Schengen visa authorities.

Healthcare costs throughout Europe are relatively lower when compared with USA or UK, but is still significantly higher when compared to India. Hence the discerning traveller should ensure they have a comprehensive Schengen visa insurance coverage for their travel and not just the mandatory cover of €30,000.

Figs in $ USD USA Switzerland Spain UK India
Humira Drug for Arthiritis / Skin Conditions 2,669 822 1,253 1,362 1,000
Harvoni Drug for Hepatitis C 32,114 16,861 18,165 22,554 2,000
Avastin Drug for Cancer 3,930 1,752 1,534 470 450
MRI Scan 1,119 503 788 175
Day in Hospital as an Inpatient 5,220 4,781 424 200
Appendix Surgery 15,930 6,040 2,003 1,500
Cataract Surgery 3,530 2,114 1,719 3,145 300
Bypass Surgery 78,318 34,224 14,579 24,059 8000
Knee Replacement 28,184 20,132 6,686 18,481 4500
Source - International Federation of Health Plans / Indicure
Apart from the overseas mediclaim health cover, it will be ideal for the traveller to choose a plan which has covers like Trip Cancellation/Curtailment, Loss of Passport, Baggage Loss/Delay, Bounced Hotel, Personal Liability etc since travelling as a tourist could result in some of these losses occurring during the trip. The Schengen plans have reasonable premium that should encourage the traveller to choose a more comprehensive plan.

Illustration : Premium for a 28/43/66 year old person travelling to a Schengen country for 16 days:

Insurance Plan** Sum Insured for Accident & Sickness in USD $ Sum Insured for Accident & Sickness in INR Age 28 years - Premium payable in INR Age 43 years - Premium payable in INR Age 66 years - Premium payable in INR
Plan 1 $30,000 Rs.21,00,000 740 867 1,503
Plan 2 $2,00,000 Rs.1,40,00,000 1,014 1,171 2,049
Plan 3 $500,000 Rs.3,50,00,000 1,534 1,870 4,438

** - please note that the coverages under the different plans vary with the insurance company for the same Sum Insured, please go through the coverage details while deciding on the most suitable plan.

Indian travel insurance for visiting Europe Faq's

Yes, it is mandatory to have Travel Insurance when one is travelling to Europe. Also as per the Schengen Visa authorities the sum insured coverage for Accident & Sickness (A&S) needs to be €30,000 (currently approx. USD $40,000 / ₹ 24,00,000). Without these two conditions being met, no visa is granted for entry to any of the Schengen countries. The list of the Schengen countries for your immediate perusal are 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. So if one is travelling to any of these countries, one must have an insurance plan with a minimum coverage of €30,000 in place.

However given that the cost of healthcare in Europe is significantly higher when compared to India, it is recommended that the traveller opts for a (A&S) coverage of atleast $250,000, but ideally $500,000 (₹INR 3.5 crores). 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.

If the Indian traveller to going to any of the Schengen countries, they need to mandatorily have an insurance policy in place with an Accident & Sickness (A&S) cover of a minimum of €30,000 (currently approx. USD $40,000 / ₹ 24,00,000). The countries that come (and don’t come) under the Schengen visa requirements are listed below:

Countries part of the Schengen Visa requirement**
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
Countries not part of the Schengen Visa requirement**
United Kingdom, Ireland, Cyprus, Romania and Bulgaria
** - this is as on April 2019 and could undergo a change in the future.

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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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