Schengen visa travel insurance cost for Indians

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Traveling across Europe is by and large covered by the introduction of the Schengen visa. If you are a traveler transiting through or visiting the Schengen countries, you have to obtain your Schengen visa from the Consulate of the country of your main destination.

Schengen visa travel insurance india

However, the proof of health insurance cover for your stay in the Schengen country has to be presented to the consulate prior to issuance of visa. The Schengen Visa Travel insurance requirements are that the insured traveler have an Accident & Sickness coverage of a minimum of Euros €30,000 (or a $USD equivalent) covering the duration of the trip. The Schengen visa travel insurance requirements also state that the insurance plan opted for by the insured needs to cover Emergency Medical Evacuation and Repatriation of Remains to the home country.

The Schengen countries are Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland, and hence if you are travelling to any of these countries, one must have a Schengen visa in place.

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

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One can check out the Schengen specific plans on Europe travel insurance before making a final decision. As one can see in the table below, the Schengen visa insurance cost is not relatively high when compared to the cost of the holiday and even for and incremental sum insured (higher than the mandated €30,000) the Schengen visa insurance amount will be negligible when compared to the incremental coverage made available. Given that the cost of a European holiday will be around ₹150,000, the cost of insurance will be around 1-1.5% even for a sum insured of $500,000. So it is advisable to opt for the maximum coverage available to enjoy a stress free holiday.
Age / Sum Insured
(Premium in ₹ INR) ** (for 15 days)
$30,000 $50,000 $250,000 $500,000
28 years 733 876 1,258 1,424
55 years 867 986 1,419 1,863

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