Schengen Visa Travel Insurance Requirements from India

What Are the Schengen Visa Travel Insurance Requirements?

Schengen visa travel insurance is generally required for Indian travellers applying for a Schengen visa. The policy should meet the insurance requirements set for Schengen visa applications and remain valid for the countries and dates covered by your trip.

For a Schengen visa application, travel medical insurance should provide at least

• Minimum €30,000 medical coverage
• Valid throughout the Schengen area
• Valid for the entire planned stay
• Cover for eligible emergency medical expenses and hospitalisation
• Policy should meet the requirements applicable to the visa application

*Price shown is for a 60-day trip for a 25-year-old adult. Get an instant quote for your exact trip.

What Should Schengen Travel Insurance Cover?

Schengen Travel Insurance Covers the following benefits

• Emergency medical expenses due to accident and sickness
• Emergency medical evacuation
• Repatriation of remains
• Pre-existing diseases coverage
• Trip cancellation
• Flight delay
• Baggage loss and delay

Benefits vary depending on the policymaximum and plan chosen. Please go through the terms and conditions, benefit details before you purchase the policy

Is €30,000 Enough for a Schengen Visa?

€30,000 is the commonly specified minimum medical insurance amount for a Schengen visa. You can choose a policy with a higher medical coverage limit if you want additional protection during your trip.

The amount you choose should be considered along with the policy's exclusions, deductibles, sub-limits and other conditions. A higher sum insured doesn't necessarily mean that every type of medical expense will be payable.

What Should Indian Travellers Check Before Buying Schengen Visa Travel Insurance?

Don't look at the premium alone. Before purchasing, check the following points in the plan:

• Medical coverage amount for illness and accidents
• Hospitalisation expenses covered
• Doctor visit (out-patient) expenses covered
• Deductibles, the amount you pay before the insurance starts paying
• Pre-existing conditions: whether they are covered, and if so, only in life-threatening or acute situations, or more broadly
• Sublimits: whether specific costs are capped, or the plan offers full coverage
• Whether the policy is valid across the entire Schengen area

Does Schengen Travel Insurance Cover All Schengen Countries?

You generally don't need to buy a separate travel insurance policy for each Schengen country you visit. A Schengen travel insurance policy can cover your trip across the Schengen area, provided the policy is valid for the countries and dates of travel.

Suppose your itinerary is India → Germany → Austria → Ireland → India. You should check that the policy certificate covers the full trip and is valid throughout the Schengen area.

How to File a Travel Insurance Claim While in Schengen Area?

Follow these steps or check our travel insurance claim process guide for complete details.

Know before you buy

What Is Not Covered Under Schengen travel insurance?

Understanding exclusions helps you avoid claim surprises. Most Schengen travel insurance do not cover:

• Undisclosed pre-existing conditions - unless you've purchased a specific pre-existing condition add-on.
• Medical tourism - Travel insurance for travelling 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.

Can Parents Renew Travel Insurance While in Schengen Area?

Travellers sometimes stay longer abroad to spend time with family or because their return plans change. If their travel insurance is about to expire they can easily renew the policy or extend coverage online. Please fill the parents travel insurance renewal form online and submit the relevant documents to our insurance advisors and our customer support will send to the underwriting team for reviewl and approval.

Once approved you can renew the policy online and make the payment being overseas

It is better to request an extension before the current policy expires. A renewal is not automatic, and coverage for a pre-existing condition will depend on the terms of the renewed policy.