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Planning a trip to Europe? Indian travelers need valid Schengen compliant travel insurance with €30,000 medical coverage. Get your instant travel insurance for Europe visa on eindiainsurance! Here it is easy to buy online as we offer the best travel insurance for Europe from leading insurance providers who offer a range of plans tailored to various needs and requirements of the Europe visa consulate!
*Price calculated for a 35-year-old traveler on a 6-month trip to Europe with $50,000 medical coverage satisfying the Schengen visa requirements.
Europe Visa Travel Insurance is a mandatory health/travel insurance policy required for travelers visiting Europe to obtain a visa. This insurance is primarily required to ensure financial protection for insured travelers against sudden and unexpected medical emergencies, including accidents or illnesses that may result in hospitalization, medical evacuation, or repatriation during their stay in European countries.
Yes. As per EU/Schengen regulations, travel medical insurance is mandatory for Indian citizens applying for a Europe visa. Without valid insurance, your visa application will be rejected.
Indian professionals working in Europe must apply for a Type D National Work Visa. As part of the visa requirements, valid travel insurance covering the entire stay is mandatory.
eindiainsurance offers compliant plans tailored for long-term stays and work visas from top insurers like Bajaj General, Care Health, Tata AIG, and more.
The cheapest Europe travel insurance plan on eindiainsurance starts at only ₹21 per day from Bajaj General.
Please feel free to contact us at +91-(80)-41101026 if you have any queries.
We recommend comparing Schengen travel insurance plans based on your travel duration, age, and coverage requirements. Our partner insurers offer some of the most comprehensive and affordable plans that meet all Schengen visa requirements.
India takes pride in being the home to countless tourists from all over the world, a good number of which visit European countries (mainly France, Germany and Switzerland) for their vacation in the happiest places such as Italy and the Netherlands. To name a few, the top places to see in Europe include: The Eiffel Tower (Paris), The Swiss Alps (Switzerland), The Leaning Tower of Pisa (Pisa, Italy), The Colosseum (Rome, Italy), and Van Gogh Museum (Amsterdam, Netherlands).
Europe has 29 countries that are part of the Schengen Area:
Travelers visiting any of these countries can use a single Schengen Visa for multiple destinations.
A Schengen Visa travel medical insurance policy is mandatory for all travelers. Key requirements:
Healthcare treatment costs in various European nations are usually very much higher than in India. Even routine testing and hospital accommodation can turn out to be pricey, while major surgery may reach costs up to a few times that of India. Do to the enormous price differences, it is advisable not to rely on just the mandatory Schengen minimum cover (€30,000) for medical emergencies that are unexpected.
Here is an illustrative comparison showing the extent to which healthcare costs may differ:| Procedure / Care Type | Europe (Indicative) | India (Indicative) |
|---|---|---|
| MRI Scan | Relatively high | Much lower |
| Hospital Stay (per day) | High cost | Much lower cost |
| Major Surgery | Very high cost | Significantly lower |
Travelers, in addition to basic medical coverage, it’s best to select a comprehensive Schengen travel insurance plan that covers benefits such as:
Several top Indian General Insurance companies and Standalone Health Insurers (SAHI) offer Schengen-approved travel insurance plans for Europe. These plans are accepted by the Schengen Consulate and meet the €30,000 minimum medical coverage requirement.
While all approved insurers offer compliant plans, based on benefits, premium pricing, and claims service quality, Care Health, Tata AIG, and Bajaj General are highly recommended for Indian travelers to Europe.
Here’s a quick comparison of leading insurers:
| Insurance Company | Key Features | Unique Selling Points |
|---|---|---|
| Care Health |
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| Tata AIG |
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| Bajaj General |
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| Reliance General |
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| HDFC Ergo |
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Looking for the best travel medical insurance for Europe? Here's a curated list of the top 5 travel insurance plans for Europe, ideal for Indian travelers applying for a Schengen visa.
Key Requirements for Europe Travel Insurance:
| Requirement | Description |
|---|---|
| Schengen Approved Insurance Plan | The insurance must be from a company and a plan approved or listed by Schengen authorities. Unapproved plans will not satisfy visa requirements. |
| Minimum Medical Coverage Limit | The policy must cover at least €30,000 (approximately ₹31 lakh) for medical expenses including accidents and illnesses during your stay. |
| Validity Across Schengen Region | The insurance should be valid in all Schengen countries, not just Europe. |
| Coverage Duration | The policy must be valid for the entire duration of your stay in the Schengen area. Partial coverage is not accepted. |
| Scope of Coverage | Should include emergency medical expenses, hospitalization, medical evacuation, and repatriation of remains to India.. |
| Cashless Hospitalization | Policy should include Cashless Hospitalization to ensure timely settlement of claims expenses by insured. |
| Deductible for Medical Expenses | Some countries require submission of a “Zero Deductible” plan for issuing a visa. Please check while applying. Most countries accept the current deductible of $50 / $100 on their policies. |
| Proof for Visa | A valid Certificate of Insurance or visa letter from the insurer confirming the above coverage is mandatory when submitting your visa application. |
The most affordable travel insurance plans still offer critical coverage to protect you abroad, including:
Indian travelers who are planning to visit Europe, which is a Schengen country, must buy travel insurance for Europe that fulfills the Schengen visa requirements. This insurance ensures they are financially protected in case of:
Several Indian Insurance companies offer different insurance plans which satisfies the Schengen visa requirements. These policies have different coverage benefits, exclusions and deductibles. Choosing a specific policy from this wide range of insurance plans can be a difficult process.
At EIndiaInsurance.com an Indian traveler can use the 'Compare Indian travel insurance quotes' engine which will help him/her compare insurance quotes and the benefit options. The traveler from India can select a policy that best suits his/her needs and then purchase it either by making the payment online with the help of credit/debit card or by sending a cheque to our mailing address. The policy will then be emailed to the traveler visiting Europe.
Europe visa travel insurance cost starts from ₹761 for 30 days. Some of the best travel insurance for Europe from India listed below meet the Europe visa requirements and are widely recognized by Schengen/EU embassies and consulates.
| Insurance Company | Policy Maximum | Age 35 | Age 55 | Age 75 | Age 85 |
|---|---|---|---|---|---|
| Care | €30,000 | ₹761 | ₹1,008 | ₹3,383 | ₹7,612 |
| Reliance | €50,000 | ₹924 | ₹1,050 | ₹6,013 | - |
| Bajaj General | $50,000 | ₹908 | ₹1,050 | ₹9,802 | ₹17,070 |
| Tata AIG | $50,000 | ₹1,002 | ₹1,242 | ₹6,546 | ₹19,903 |
| Royal Sundaram | $50,000 | ₹1,128 | ₹1,326 | - | - |
Indian travelers visiting Schengen countries must have a travel insurance policy with a minimum Accident & Sickness (A&S) cover of €30,000.
Countries Part of the Schengen Visa RequirementAustria, 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, Bulgaria, Romania
Countries Not Part of the Schengen Visa Requirement:
United Kingdom
Ireland
Cyprus
No. As per the terms and conditions of India-issued travel insurance policies, the insured traveler must be in India at the time of purchasing the policy. Therefore, overseas travel insurance cannot be purchased after the commencement of the journey or once the insured has left India.
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