Best Schengen Travel Insurance for Senior Citizens from India
Senior citizens travelling from India to the Schengen Area generally need travel medical insurance that meets the Schengen visa requirements. The policy must provide the required minimum medical coverage and be valid for the Schengen trip.
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Schengen Visa
Senior citizen Schengen visa travel insurance from India
- checkCashless Hospitalization in Schengen Countries
- check24×7 emergency assistance
- checkBuy Instantly - no medical tests required
- checkSuitable for travel to all Schengen countries
How to Choose the Best Schengen Travel Insurance from India?
How Much Does Schengen Visa Travel Insurance for Senior Citizens from India Cost in 2026?
Schengen insurance for elderly travellers starts at ₹113/day and goes up to ₹216/day for a 21-day trip for a 65-year-old traveller. Premiums vary by plan and maximum medical coverage. The plans shown meet the applicable Schengen visa insurance requirements.
SILVER
₹113/day*
$50,000 cover- check_circle Pre-existing Conditions up to $2,500
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
SILVER PLUS
₹151/day*
$1 lakh cover- check_circle Pre-existing Conditions up to $5,000
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
GOLD
₹180/day*
$2.5 lakh cover- check_circle Pre-existing Conditions up to $10,000
- check_circle Baggage loss $300
- check_circle Trip cancellation $750
PLATINUM
₹216/day*
$5 lakh cover- check_circle Pre-existing Conditions up to $12,500
- check_circle Baggage loss $300
- check_circle Trip cancellation $1,000
*Price shown is for a 21-day trip to Schengen Area for a senior citizen aged 65. Get an instant quote for your exact trip.
Which Is the Cheapest Travel Insurance for Schengen visa travel insurance for senior citizens?
The Silver Plan is the cheapest Travel Insurance for Schengen countries, with premiums starting from ₹113/day for a 65-year-old Indian traveller on a 21-day trip. It includes USD 50,000 medical coverage, cashless hospitalisation for an inpatient and reimbursement of medical expenses for an outpatient visit to a doctor or clinic, making it ideal for budget-conscious travellers.
Which Is the Best Travel Insurance for Schengen visa travel insurance for senior citizens?
The Gold Plan is the best Travel Insurance for an Schengen country for most Indian travellers, with premiums starting from ₹216/day for a 65-year-old on a 21-day trip. It offers USD 250,000 medical coverage which is higher than the basic coverage making the traveller have a peaceful and safe journey. It includes all benefits covered under the basic plan plus additional benefits. This plan provides the best balance of price and protection.
How to Choose the Best Travel Insurance for Schengen visa travel insurance for senior citizens
Combining popular multiple Schengen countries like France, Italy, Germany, Spain, Greece or Switzerland? Check our dedicated guides for those destinations too before you buy.
Medical limit
Aim for at least USD 50,000 in emergency medical cover.
Pre-Existing Disease coverage
Some insurers offer limited coverage for pre-existing medical conditions - confirm the sub-limit.
Claim settlement record
Consider the insurer's claim settlement record, claim process, customer support and policy terms.
Cashless hospitals in an Schengen Country
Ensure you access to a strong local cashless network with the help of assistance company
Trip cancellation
Essential cover if you've booked expensive flights or hotels in advance.
How to File a Travel Insurance Claim While in Any Schengen Country?
Follow these steps or check our travel insurance claim process guide for complete details.
Call the 24/7 emergency assistance number on your policy before seeking treatment, if your condition allows many insurers arrange cashless treatment at a network hospital.
Keep every original receipt hospital bills, pharmacy receipts, doctor's notes reimbursement needs full documentation.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or passport, file a report with the airline or local police within 24 hours and keep a copy.
Submit your claim online or by email as soon as you can, with all documents attached.
Know before you buy
What Is Not Covered Under Schengen Travel Insurance for Senior Citizens?
Understanding exclusions helps you avoid claim surprises. Most International travel insurance for Schengen countries do not cover:
- Undisclosed pre-existing conditions - unless you've purchased a specific pre-existing condition add-on.
- Medical tourism - International Travel Insurance for Schengen country specifically to receive treatment isn't covered.
- Self-inflicted injury or intoxication-related claims - standard exclusion across insurers.
- Losses from your own negligence - for example, an unattended bag that goes missing.
- War, civil unrest, or acts of terrorism - check your specific policy wording for exact terms.
Always read the full policy wording before you buy - our team can walk you through the exclusions for any plan on this page.
FAQs - Senior citizen travel insurance for Schengen countries
Where Can I Buy Senior Travel Insurance for Schengen Visa?
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