Schengen Travel Insurance from India (2026) – Plans from ₹29/Day*
Travel insurance is mandatory for travelers applying for a visa to the Schengen Area, and the policy must include at least €30,000 or USD $50,000 medical coverage.
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Schengen Visa Travel Insurance Requirements
Travel insurance is mandatory when applying for a Schengen visa. The insurance policy must meet the requirements set by the Schengen consulates.
- Minimum medical coverage of €30,000 or $50,000.
- The policy must cover emergency medical treatment during the trip.
- Coverage must include medical evacuation and repatriation.
- The insurance must be valid in all Schengen countries.
- The policy must cover the entire duration of your stay in the Schengen Area.
⏱ Most Schengen consulates require insurance to be submitted with your visa application not after. If your appointment is already booked, get your policy today so it's ready to attach to your documents.
How Much Does Schengen Travel Insurance Cost in 2026?
Schengen Visa Travel Insurance starts at ₹29 per day, with plans offering coverage between $50,000 and $1,000,000. Key benefits include medical expenses, emergency medical evacuation, baggage protection, and trip cancellation — making it ideal for travelers visiting the Schengen Area, whether you’re looking for budget-friendly or premium international coverage.
*Price shown is for a 60-day trip to any or all Schengen Countries for an adult aged 35. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
How to Choose the Right Schengen Travel Insurance Plan
- Start with the visa requirement, not the price. Confirm the plan shows at least EUR 30,000 medical cover, valid across all Schengen countries, with evacuation and repatriation included.
- Match the dates to your actual trip, with a buffer. Add 7–10 days beyond your planned travel dates to avoid a rejection over a date mismatch.
- Check pre-existing condition cover if you or a co-traveller manage a condition like diabetes or blood pressure.
- Compare the deductible - a zero or low deductible means fewer out-of-pocket costs if you do need to claim.
- Check renewability in case your visa or trip gets extended after you've already purchased the policy.
- Confirm the insurer is on the Schengen-approved list accepted by the consulate you're applying to.
Indian Travel Insurance Satisfy Schengen Visa Insurance Requirements
Travelers who are traveling to Europe to any of the Schengen countries namely, 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 and Switzerland can buy the cheap Schengen travel insurance online. This Schengen visa travel insurance is a requirement while applying for the Schengen visa. This single Schengen visa enables Indian travelers to visit any of Schengen countries
These customized Indian travel insurance plans satisfy the Schengen travel insurance requirements and have been authorized by Schengen consulates. It is recommended to buy schengen travel insurance to exceed your travel duration by a week to ten days. We have had customers visa applications rejected if the travel insurance policy is for the exact duration as the trip.
What Are the Schengen Travel Insurance Requirements?
The travel insurance required for a Schengen visa is known as Schengen travel insurance. This type of insurance must meet specific requirements set by the Schengen consulates. Along with other required documents you need to include this insurance to apply Schengen visa. Some visitors also call it Europe travel insurance as they are visiting Europe's Schengen region. Here are the key requirements for Schengen travel insurance.
- Purpose of travel:Travellers must clearly state the purpose of their visit to the Schengen Area, whether it's for holiday, tourism, visiting family or friends, business, medical treatment, or other reasons.
- Sum Insured:A minimum of 30,000 Euros sum insured is a must for each traveller to cover your medical expenses duriing your trip/stay in the Schengen countries. In case if the insurance company provides plan in different currency, an equivalent of the 30,000 Euros is sufficient to get the insurance accepted.
- Medical requirements:The travel insurance should cover your emergency medical expenses up to the sum insured without any limitations. This plan also should cover medical evacuation and repatriation.
- Coverage Area:The travel insurance for Schengen visa should be valid in all the Schengen countries.
- Total duration:The insurance should be valid for the entire duration of your stay in the Schengen Area. If you are travelling less than 2 weeks, it is recomended that you buy the Schengen travel insurance for minimum of 15 days. It would be nice to enquire before you purchase the insurance to avoid visa rejection.
Common Reasons Schengen Visa Applications Get Rejected
Insurance-related issues are one of the most avoidable causes of Schengen visa refusal. Based on the requirements set out by Schengen consulates, applications are commonly rejected for:
- Insufficient coverage amount - a policy showing less than EUR 30,000 (or the USD/INR equivalent) in medical cover.
- Date mismatch - even a one-day gap between your insurance validity and your actual travel dates can trigger a rejection. If you travel from 10 June to 25 June, your policy must cover at least that full window we recommend adding a 7–10 day buffer on either side.
- Missing evacuation or repatriation cover - a policy that only covers hospital treatment, without emergency medical evacuation and repatriation, does not meet the requirement.
- Limited geographic validity - a policy valid in only one Schengen country when your itinerary covers several.
- Non-insurance issues - beyond insurance, weak proof of funds, unclear travel purpose, and incomplete documentation are also common rejection triggers, so insurance should be treated as one part of a complete, well-prepared application.
Every plan on this page is built to meet the EUR 30,000, evacuation, repatriation, and all-Schengen-country requirements by default, so the insurance component of your application is not the part that puts your visa at risk.
How to Apply for Schengen Visa from India
Getting a Schengen visa from India involves several steps and need to satifsy some visa requirements. Here we are providing you a general overview of what you need to know: Follow the step-by-step guide, understand the requirements and ensure a smooth flow process for applying Schengen visa.
- Know your Visa Types:There are several types of Schengen visas available for travellers from India visiting Schengen area, depending on the purpose and duration of travel. Here are the main types:
- Uniform Schengen visa (USV):Schengen visa (C-Type) - The C-type visa is a short stay visa for 90 days. This type of visa is suitable for tourists from India visiting Poland for pleasure, spend holidays and family visit.
- Single entry visa: Allows entry into the Schengen Area for one continuous stay of up to 90 days within a 180-day period.
- Double entry visa: Allows two entries into the Schengen Area within the validity period, with each stay not exceeding 90 days within a 180-day period.
- Multiple entry visa: Allows two entries into the Schengen Area within the validity period, with each stay not exceeding 90 days within a 180-day period.
- Airport transit Schengen visa (A-Type) - This type of visa permits the travellers to access the international transit area of a Polish airport in order to change flight.
- National Schengen visa (D-Type) -The D-type visa is a long stay visa suitable for the travellers who are intended to stay for more than 90 days. Travellers who are traveling to Schengen countries from India for work or study reasons or who have plans to stay for longer duration can apply for this visa. These are issued by individual Schengen area countries.
- Where to apply :If your stay in one Schengen country for most of your time during your trip, then apply for visa at that consulate/embassy. If your trip includes multiple Schengen countries, then apply at the consulate/embassy of the country where you will enter the Schengen area first.
- Documents required :The documents required for a Schengen visa varies depending on the type of visa applied for. Some of the common documents required are
- Visa form - Duly filled and signed visa application form either online or offline
- Passport-sized photos
- Valid passport with validity extended beyond your intended stay. It should also have at least two blank pages to affix the visa.
- Travel itinerary (flight bookings, accommodation reservations).
- Travel medical insurance covering each traveller with minimum 30,000 euros. It should also cover medical evacuation and repatriation.
- Proof of sufficient funds like bank statements, sponsor letter to demonstrate you can support yourself financially during your stay
- Purpose of visit saying you are visiting for pleasure, business trip, studies or for work.
- Submit your Application :You can submit application for Schengen visa online or offline.
- Schedule your interview :Pay the required fee and schedule an interview.
- Processing time:Once you complete your visa interview successfully, it might take a couple of weeks to get your visa.
- Visa granted :Once your visa is approved collect it from the consulate/embassy or visa application center (VAC). Check the visa sticker for accuracy regarding dates and type of visa granted.
Travel Insurance for Schengen Visa: Highlights
| Categories | Specifications |
| Number of European Countries | 29 |
| Eligibility | Aged 3 months to unlimited age. |
| Visa Duration | A single entry / multiple entry Schengen visa allows short stays (up to 90 days) within any 180-day period in the Schengen area |
| Benefits | Medical expenses for sickness and accident, medical evacuation, repatriation, baggage loss, baggage delay, missed flight connection, trip cancellation, trip delay and more |
| Travel insurance for Schenegn visa mandatory | Yes, Minimum 30,000 Euro or 50,000 USD |
| Covid-19 Covered | Yes |
Essential Entry Requirements for Schengen Countries: What You Need to Know
Schengen visa is required for several nationalities including Indian citizens. Visa on arrival is not available for Schengen countries. Travel insurance is a mandatory document to obtain Schengen visa. You can check official websites of different destination countries to get more updates.
You need a minimum coverage of EUR 30,000 when traveling from India to one or more Schengen countries. Whether you are visiting for tourism, business or medical treatment you need Schengen visa to enter listed countries.
You must submit your Schengen visa application at least 15 days prior to your planned departure date. However, its prudent to submit 30 to 60 days prior to trip date because in some cases the consulate might ask for additional documents for visa process.
What Does Schengen Travel Insurance Cover for Indian Travelers?
Indian travel insurance policy for Schengen countries provide comprehensive coverage for various situations. Some of the key inclusions are:
- Loss of Checked-in Baggage
- Delay of Checked-in Baggage
- Compassionate Visit for Family Members in Case of Hospitalization
- Medical Expenses Coverage
- Emergency Medical Evacuation
- Repatriation of Mortal Remains to India
- Coverage for Ongoing Medical Treatment in India
- Daily Hospital Allowances
- Emergency Dental Treatment
- Flight Hijacking
- Trip Delay, Cancellation, and Curtailment
- Missed Flight Connection
- Loss of Passport
- Accidental Death & Permanent/Total Disability
- Automatic Extension of Policy Period in Case of Emergency Trip Extension
- Cover for Home Burglary
You can secure your Schengen trip covered with travel insurance with benefits that can meet visa requirement as well as with comprehensive coverage.
What Schengen Travel Insurance Does Not Cover: Common Exclusions
There is extensive coverage under Schengen travel insurance policy. However, there are few exclusions as well under travel insurance. Few common exclusions are:
- Pre-existing Medical Conditions
- Hospital Admissions for Routine Check-ups or Diagnosis
- Medical Expenses Related to Pregnancy
- Medical Costs for Infertility or Congenital Conditions
- Congenital Anomalies Known to the Insured at the Time of Policy Purchase
- Non-Allopathic Treatments
- Plastic and Cosmetic Surgery
- Expenses for Contact Lenses, Spectacles, Hearing Aids, and Cosmetic or Corrective Dental Surgeries
- Costs Incurred Due to Substance Abuse, Self-Inflicted Injuries, STDs, or AIDS/HIV
- Loss or Damage Due to War, Terrorism, or Civil War
- Loss or Damage Resulting from Breach of Law
- Loss or Damage Caused by Hazardous Sports
You must read travel insurance policy details to understand exclusions and ensure you are fully covered for your Schengen trip.
How to Buy Schengen Travel Insurance Online from India: A Simple Guide
It is a prudent decision to buy travel insurance for your Schengen visa. It is quick and easy process to buy travel insurance follow these simple steps to get your Schengen travel insurance policy.
- Step 1: Using online form on this page you can select Schengen destination and then click on NEXT button.
- Step 2: You should select number of people traveling with their age. You can add more people depending your group size. Click on the NEXT button.
- Step 3: Select Start date & end date. Click on the Next button.
- Step 4: Click on 'View Plans'.
- Step 5: Select travel insurance that suits your requirement and continue pay online using payment method of your choice.
EUR 30,000 Explained: What It Actually Means in Rupees
A lot of confusion around Schengen insurance comes from mixing up three different numbers: the sum insured (what your policy pays out), the premium (what you pay to buy the policy), and the bank balance required for your visa's proof-of-funds document. These are unrelated figures.
| Term | What it means | Typical amount |
|---|---|---|
| Sum insured | Maximum payout if you need medical treatment abroad | Minimum EUR 30,000 (~₹27–29 lakh) |
| Premium | What you pay to buy the policy | From ₹29/day |
| Proof of funds | Bank balance shown separately in your visa application | Varies by consulate, unrelated to insurance |
So if you've seen advice suggesting "2 lakhs is enough," that figure may be describing a bank balance requirement for a specific consulate, not the insurance sum insured — the two should never be confused when preparing your application.
Insurance for Multiple-Entry and Long-Stay Schengen Visas
If you're applying for a multiple-entry Schengen visa (allowing repeat trips within the visa's validity), your insurance only needs to cover each individual trip's dates it does not need to run continuously for the entire multi-year visa validity. However, you will need a fresh, Schengen-compliant policy for each trip you take, so keep this in mind when budgeting for return visits.
For a National (D-type) long-stay visa of more than 90 days, check with your destination country directly - some accept standard travel insurance for the initial period, while others require a switch to local health insurance after arrival.
How Age Affects Your Schengen Insurance Premium
Premiums rise with age because medical risk statistically increases with age. As a general guide for a 60-day Germany trip:
| Age Band | Typical Premium Impact |
|---|---|
| Under 35 | Baseline pricing (as shown in our plan table above) |
| 36–60 | Moderately higher premium for the same cover |
| 61–70 | Higher premium; some insurers apply age-based sub-limits |
| 70+ | Highest premium band; fewer insurers offer full pre-existing-condition add-ons |
If you're traveling with parents or grandparents, see our Senior Citizen Travel Insurance. page for age-specific plan options.
What to Do If You Need to Claim While in the Schengen Area
- Contact the 24/7 emergency assistance number printed on your policy document before undergoing non-emergency treatment, where possible this allows for cashless hospitalization at network hospitals.
- For emergencies, seek treatment immediately and notify the assistance line as soon as it's safe to do so.
- Keep all original bills, prescriptions, and medical reports - reimbursement claims require original documentation.
- Submit your claim within the insurer's specified window after returning to India, or as instructed by the assistance team if filing from abroad.
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Types of insurance
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Visitors travel insurance for pre-existing conditions.
Click here to read more »Frequently asked questions on Schengen visa
Schengen travel insurance is an International travel insurance for Schengen which covers the travellers when they are in the Schengen countries. Use our compare tool to buy the cheapest travel insurance for Schengen visa.
There are many leading insurance players in the Indian insurance market who provide excellent travel insurance products for travel to Europe from India. The best travel insurance for Schengen is one that meets the official Schengen visa requirement of at least €30,000 in medical coverage and protects you throughout your trip.
The traveler has to choose the plan based on his choice of benefits and premium from schengen travel insurance companies. Few of these companies cover pre-existing medical conditions which is one of the major benefit which the traveler might be looking for. Fill the form to buy schengen visa insurance for Indians traveling to Europe.
Travel insurance must meet specific requirement to be eligible for Schengen Visa. There is a requirement of minimum coverage of EUR 30,000 for incidents such as passport loss, emergency hospitalization, medical evacuation, and other unforeseen circumstances.
Yes, to get your Schengen Visa it is mandatory to purchase travel insurance plan.
With lowest rejection list, Iceland has the highest approval rate among Schengen countries.
A minimum health insurance cover of 30,000 Euros or $50,000 US Dollars without any medical restrictions on the policy coverage is accepted by the Schengen visa. The other requirements are the policy should be valid for the entire duration of the stay in the Schengen countries. The policy should also sufficient cover for medical evacuation and repatriation.
The travel insurance which satisfies Schengen visa is required while you are travelling to Schengen countries.
Schengen insurance should be valid for the entire duration of the travel and stay in the Schengen area.
The policy for obtaining a Schengen visa includes several requirements and guidelines that traveller must adhere to. Some of the requirements to get the visa are purpose of travel, healh insurance cover, duration of travel.
No, gettting the Schengen visa involves certain process flow. Hence it might take 2 to 3 weeks to get the Schengen visa.
There are several insurance companies which provide insurance which is best for a Schengen visa. It's not one company, all Indian insurance companies are the best. Instead of choosing a company based on only the loswer premium, we would suggest a better company where its plans are easily accepted for visa, has good claims settlement record, best in customer support and well known brand in the Schengen area.
Here there are two terms, if you looking at fee to get the Schengen visa, then it depends on factors like type of visa applying for, duration, purpose of visit. Alternatively if you are looking for travel insurance to get the Schengen visa, then the cost of insurance depends on travellers age, travel duration and sum insured.
Yes, in some cases there will be an interview if you applying for Schengen visa.
No. Schengen visa rules require medical coverage of at least EUR 30,000, which works out to roughly INR 27–29 lakh depending on the exchange rate - not INR 2 lakh. This EUR 30,000 figure is the sum insured (the maximum the policy will pay out for a medical emergency), not the premium you pay to buy the policy. The premium itself is much lower our plans start from just ₹29 per day. If your current policy shows a sum insured below EUR 30,000, it will not be accepted for your Schengen visa application, regardless of how much you paid for it.
No. VFS Global is an outsourced visa application center that collects your documents and biometrics on behalf of the consulate - it does not make visa decisions and cannot guarantee approval. The actual decision is made by the embassy or consulate of the Schengen country you're applying to. Submitting a complete, compliant application — including Schengen-visa compliant travel insurance is the best way to support a smooth review, but no agency or insurer can promise a specific outcome.
Most Indian applicants are approved, though rejections do happen. India was the third-largest source of Schengen visa applications globally, submitting roughly 1.1 million applications, of which around 15% were refused. Approval odds improve significantly with a complete application: confirmed travel dates, proof of sufficient funds, a clear travel itinerary, and Schengen-compliant travel insurance with no gaps in coverage dates or amount.
Buy your Schengen travel insurance after your travel dates are fixed but before you submit your visa application — the policy document is a required part of the application itself. Buying too early, before your dates are confirmed, risks a date mismatch if your plans change; buying too late can delay your visa appointment. As a rule of thumb, purchase your policy in the same window you gather your other visa documents, typically 2–4 weeks before your appointment.
What are the types of Travel Insurance plans in India?
Indians while traveling outside India should buy proper travel health insurance. We help you find the travel insurance policy based on your requirements.
Compare and buy indian travel insurance for family travellers online.
Indians traveling to other Asian countries have the option of buying very specific Asia travel insurance.
India travel insurance covering pre-existing conditions.
Get free quotes and buy Indian Domestic travel insurance plans online.
Annual Multitrip insurance allows customers to travel outside India, anywhere in the world, any number of times during the coverage period of 1 year.
Group travel insurance is an insurance that will cover a group of people, buy group travel insurance policy online.
Travelers who are above 70+ can get quotes and compare senior citizens overseas travel insurance plans offered by Indian insurance companies.
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