Planning to explore Europe? If you are applying for a Schengen Visa, travel insurance is mandatory. Travellers from India must submit valid travel insurance that meets Schengen requirements. This ensures financial protection in case of medical or travel-related emergencies during your stay.
Why is Travel Insurance Mandatory for a Schengen Visa?
The Schengen region consists of 27 European countries with open-border travel. Authorities require proof of insurance that provides:
- Minimum medical coverage of €30,000
- Coverage valid across all 27 Schengen countries
- Emergency medical evacuation and repatriation
Without valid insurance, your Schengen visa application may be rejected.
Key Benefits of Schengen Travel Insurance
- Medical Emergencies Abroad: Covers hospitalization, doctor visits and treatment
- Trip Protection: Covers trip cancellation, flight delays and missed connections
- Loss of Passport & Baggage: Assistance and reimbursement for lost documents and luggage
- 24/7 Global Assistance: Round-the-clock emergency support
- COVID-19 Coverage: Covers pandemic-related medical expenses
Best Travel Insurance Plans for Schengen Visa from India
Some of the popular insurance providers offering Schengen-compliant plans include:
- ICICI Lombard
- HDFC ERGO
- Bajaj Allianz
- Tata AIG
- Reliance General
Premiums generally start from ₹300 per day, depending on age, duration, and destination.
Tips to Choose the Right Schengen Travel Insurance
- Ensure coverage of at least €30,000
- Select plans with comprehensive medical and non-medical benefits
- Choose insurers with a good claim settlement ratio
- Opt for multi-trip policies if travelling frequently
- Add adventure sports riders if you plan activities like skiing or trekking
Conclusion
Schengen Travel Insurance is essential for visa approval and complete peace of mind. It protects you from unexpected expenses and ensures a safe and stress-free European journey.
