Schengen Travel Insurance from India
Planning a trip to Europe? Get comprehensive Schengen visa travel insurance designed specifically for Indian travellers, with plans starting from just ₹29/day*. Our policies offer minimum €30,000 medical coverage requirement as mandated by the Schengen Visa policy, ensuring you're fully protected against medical emergencies, trip cancellations, and travel mishaps. Every plan is VFS Global approved and visa compliant, so you can apply for your Schengen visa with complete confidence, reducing the risk of rejection.
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Europe Travel/Visa
Designed for Indians Travelling to Schengen Countries
- checkCashless treatment across the Schengen area
- check24×7 emergency assistance
- checkBuy Online - Easy & Convenient
- checkSchengen Visa Complaint and VFS global approved plans
Which Schengen Travel Insurance Is Best for Indian Travellers?
Even a short hospital stay can cost far more than the price of your holiday. Choosing Schengen travel insurance with cashless hospitalisation can help protect you from unexpected eligible medical expenses while travelling across Europe.
What Does Schengen Visa Travel Insurance Cover?
Schengen visa travel insurance is mandatory for Indian travellers applying for a Schengen visa. A suitable policy can help cover eligible emergency medical treatment, hospitalisation, emergency medical evacuation and repatriation during your trip.
For a Schengen visa, the policy should provide at least EUR 30,000 in medical coverage, remain valid throughout the Schengen Area, and cover the entire duration of your stay.
Note: Coverage, limits, exclusions and deductibles vary by plan. Check that your policy meets the latest Schengen visa requirements before travelling.
Emergency Medical Treatment
Covers eligible emergency medical treatment, doctor visits, ambulance services and other covered medical expenses during your Schengen trip.
Hospitalisation
Helps cover eligible hospital expenses resulting from a covered medical emergency, subject to the policy limits and terms.
Medical Evacuation
Eligible emergency medical evacuation and repatriation expenses may be covered when medically necessary and approved under the policy.
Baggage & Travel Benefits
Depending on the plan, benefits may include eligible baggage loss or delay, trip interruption, cancellation and loss of travel documents.
What Are the Schengen Travel Insurance Requirements?
Planning a trip to Europe? Here is a quick overview of Schengen visa requirements, mandatory travel medical insurance, minimum coverage, and other important information for Indian travellers.
| Travel Information | Details |
|---|---|
| Do Indians Need a Schengen Visa? | Yes, in most cases. Indian passport holders generally need a valid Schengen visa for short-term tourism, business, family visits and other eligible travel to countries in the Schengen Area. |
| Is Travel Insurance Mandatory for a Schengen Visa? | Yes. Schengen visa applicants generally need travel medical insurance that meets the visa requirements and remains valid throughout the Schengen Area for the entire duration of their stay. |
| Minimum Medical Insurance Required | €30,000 minimum. Schengen-compliant travel insurance must generally cover emergency medical treatment, hospitalisation and repatriation, including repatriation in the event of death. |
| Where Must the Insurance Be Valid? | Throughout the Schengen Area. The policy should provide valid coverage in all Schengen countries included in the traveller's itinerary and for the entire period of the intended stay. |
| How Much Travel Insurance Coverage Should I Buy? | €30,000 or more is required for Schengen visa compliance. Higher medical coverage may provide additional financial protection depending on the traveller's age, destination, trip duration and selected plan. |
| Schengen Travel Insurance Cost | Plans can start from ₹29/day, depending on age, trip duration, coverage amount, destination and optional benefits selected. |
| Who Should Buy Schengen Travel Insurance? | Indian tourists, families, senior citizens, business travellers, students and other eligible visitors applying for a Schengen visa should have a policy that meets the applicable visa requirements. |
Who Should Buy Schengen Travel Insurance from India?
Indian Tourists
Schengen Travel Insurance India is ideal for Indian tourists travelling abroad for holidays, family vacations, and sightseeing.
- check_circle Emergency medical coverage
- check_circle Trip delay & baggage protection
- check_circle Personal accident benefits
Senior Citizens
Schengen Travel Health Insurance is recommended for senior citizens who need enhanced medical protection while travelling abroad.
- check_circle Higher medical coverage limits
- check_circle Coverage for eligible pre-existing conditions
- check_circle 24/7 travel assistance support
Travellers with Pre-Existing Conditions
Travel Medical Insurance for Schengen Visa offers travellers with eligible pre-existing medical conditions (T&C apply).
- check_circle Coverage for eligible pre-existing conditions
- check_circle Emergency medical assistance
- check_circle Flexible coverage options
Students
Schengen Visa Travel Insurance is suitable for Indian students travelling to Europe for higher education and eligible study programmes.
- check_circle Medical & hospitalisation coverage
- check_circle Study interruption benefits
- check_circle Sponsor and tuition fee protection
Is Schengen Travel Insurance Worth It for a Short Trip?
Yes. Schengen travel insurance is important even for a short trip to Europe, particularly for Indian travellers applying for a Schengen visa, as compliant travel medical insurance is generally required. A suitable policy can help cover eligible emergency medical treatment, hospitalisation, medical evacuation or repatriation, baggage loss or delay, trip cancellation, and other unexpected travel expenses. The right coverage depends on your trip duration, age, destination, coverage limits, planned activities, and policy terms.
How Much Does Schengen Travel Insurance Cost from India in 2026
Schengen travel insurance cost in India starts at ₹29/day and can cost up to ₹64/day, depending on the traveller’s age, trip duration, plan, and medical coverage selected.
SILVER
₹29/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
₹35/day*
$1 lakh cover- check_circle Pre-existing Conditions up to $5,000
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
GOLD
₹38/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
₹48/day*
$5 lakh cover- check_circle Pre-existing Conditions up to $12,500
- check_circle Baggage loss $300
- check_circle Trip cancellation $1,000
TITANIUM
₹53/day*
$7.5 lakh cover- check_circle Pre-existing Conditions up to $15,000
- check_circle Baggage loss $400
- check_circle Trip cancellation $1,000
TITANIUM PLUS
₹64/day*
$10 lakh cover- check_circle Pre-existing Conditions up to $20,000
- check_circle Baggage loss $500
- check_circle Trip cancellation $1,500
*Price shown is for a 60-day trip for a 25-year-old adult. Get an instant quote for your exact trip.
Which Is the Cheapest Schengen Travel Insurance from India?
The Silver Plan is the cheapest Schengen visa travel insurance starting at cost ₹29/day* for a 25-year-old Indian traveller on a 60-day trip, with USD 50,000 medical coverage. Best for budget-conscious travellers.
Which Is the Best Schengen Travel Insurance from India?
The Silver Plus Plan is the best Schengen travel insurance from India, with premiums starting from ₹35/day* for a 25-year-old on a 60-day trip. It offers USD 100,000 medical coverage, cashless hospitalisation, and higher pre-existing condition coverage, providing the best balance of price and protection.
Why Schengen Insurance Matters
Why Can Medical Treatment in Europe Be Expensive for Indian Travellers?
European healthcare systems provide high-quality medical care, but treatment can be expensive for visitors who are not covered by local health insurance. Indian travellers may need to pay for medical consultations, diagnostic tests, emergency treatment, hospitalisation, ambulance services, or other healthcare expenses if they do not have suitable travel medical insurance.
Unexpected illness or injury can lead to significant expenses, particularly when specialist treatment, hospitalisation, surgery, emergency care, or medical evacuation is required. Schengen travel insurance can help reduce the financial impact of eligible medical emergencies during your trip.
Schengen Travel Insurance for Indians can provide coverage for eligible emergency medical treatment, hospitalisation, medical evacuation and repatriation, subject to the policy terms, exclusions, and coverage limits. For Schengen visa applicants, the policy must also meet the applicable visa requirements, including the minimum EUR 30,000 medical coverage.
Schengen visa Travel Insurance India
Choose a suitable Schengen travel insurance policy based on your trip purpose, duration, age, planned activities, and required coverage. If you are applying for a Europe travel visa, make sure your travel insurance policy meets the applicable Schengen visa insurance requirements, including the required medical coverage and validity for your trip.| Travel Purpose | Best For | Key Coverage to Consider |
|---|---|---|
| Tourist / Leisure | Indian tourists visiting Schengen countries | Emergency medical treatment, hospitalisation, repatriation, baggage loss or delay, trip delays, and personal accident |
| Business Travel | Indian professionals travelling to Europe for business | Medical emergencies, hospitalisation, repatriation, trip interruption, baggage, and personal liability |
| Student Travel | Indian students travelling to Europe for eligible study programmes | Medical expenses, hospitalisation, personal accident, repatriation, and student-specific benefits where available |
| Family Visit | Indian travellers visiting family or friends in the Schengen Area | Emergency medical expenses, hospitalisation, repatriation, emergency assistance, and eligible pre-existing condition benefits where available |
Note: Insurance requirements and available benefits can vary depending on your visa category, trip duration, insurer, and policy. For Schengen visa applications, check that the policy meets the applicable minimum medical coverage, geographical validity, and duration requirements before purchasing.
How to File a Travel Insurance Claim While in Europe?
Follow these steps or check our travel insurance claim process guide for complete details.
If your condition allows, contact the 24/7 emergency assistance number shown on your policy before seeking treatment. Depending on the insurer and policy, cashless treatment may be available at an eligible network hospital.
Keep all original documents, including hospital bills, pharmacy receipts and doctor's notes, as they may be required for reimbursement.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or a lost passport, Report lost baggage or passport to the airline, police or relevant authority as soon as possible and keep a copy of the report. Follow the reporting deadline specified in your policy.
Submit your claim online or by email as soon as you can, with all documents attached.
Quick Schengen Travel Guide for Indians
Quick facts to help Indian travellers prepare for a trip to the Schengen Area.
| What to know | Details | |
|---|---|---|
| language | Visa Requirements | Indian passport holders generally need a Schengen visa for short-term tourism, business, family visits and other eligible travel within the Schengen Area. |
| fact_check | Travel Insurance | Schengen visa applicants generally need travel medical insurance with at least €30,000 coverage for eligible medical emergencies and repatriation. |
| calendar_month | Best Time to Visit | Spring and summer are popular for sightseeing, while autumn and winter offer different weather, events and travel experiences across Europe. |
| payments | Currency | Euro (EUR / €) is used in most Schengen countries, although some Schengen countries use their own currencies. |
| translate | Languages | Languages vary by country, including German, French, Italian, Spanish and Dutch. English is widely understood in many major tourist areas. |
| location_city | Popular Destinations | France, Germany, Italy, Switzerland, Austria, Spain, the Netherlands and Greece are among the popular destinations for Indian travellers. |
| flag | Indian Embassies & Consulates | Indian diplomatic missions across Schengen countries can provide consular assistance to Indian citizens when required. |
Popular Schengen Destinations and Travel Insurance Coverage
Whether you're visiting France, Germany, Italy, Switzerland, or other Schengen countries, Schengen travel insurance can help protect you against eligible medical expenses, trip delays, baggage loss, and other covered travel risks during your journey.
| Destination | Why Indians Visit | Why Travel Insurance Matters |
|---|---|---|
| France | Eiffel Tower, Paris landmarks, museums, cuisine and cultural attractions | Emergency medical treatment, hospitalisation, baggage protection, trip delays and travel assistance. |
| Germany | Berlin landmarks, Munich, castles, museums and Bavarian attractions | Medical emergencies, hospitalisation, baggage loss, trip interruption and travel assistance. |
| Italy | Rome, Venice, Florence, historic landmarks, art and cuisine | Emergency medical care, hospitalisation, baggage protection and eligible trip-related expenses. |
| Switzerland | Alps, scenic train journeys, lakes, mountains and picturesque towns | Medical emergencies, emergency assistance, evacuation and appropriate activity coverage where available. |
| Austria | Vienna, Salzburg, palaces, museums and Alpine scenery | Emergency medical treatment, hospitalisation, baggage protection and travel assistance. |
| Netherlands | Amsterdam canals, museums, historic towns and cultural attractions | Medical emergencies, baggage loss or delay, trip interruption and eligible travel assistance. |
| Spain | Barcelona, Madrid, beaches, architecture and cultural attractions | Emergency medical care, hospitalisation, baggage protection and other covered travel expenses. |
Planning a Multi-Country Schengen Trip?
If your itinerary includes France, Germany, Italy, Switzerland, Austria, or other Schengen countries, choose a Schengen travel insurance plan that provides valid coverage throughout the Schengen Area for the entire duration of your trip.
Indian Embassies and Consulates in Schengen Countries
If you lose your passport, need consular assistance, or face an emergency during your trip, you can contact the nearest Indian Embassy or Consulate. If you are travelling through multiple Schengen countries, keep the relevant Indian diplomatic mission details handy before you travel.
Indian Diplomatic Missions in Europe
Indian Embassies and Consulates provide consular services and assistance to Indian citizens in countries such as Germany, France, Italy, Switzerland, Austria, Spain and the Netherlands.
Consular services may include assistance related to passports, emergency travel documents and other matters affecting Indian citizens abroad.
For current addresses, emergency contact numbers, office hours and available consular services, check the official website of the relevant Indian diplomatic mission before travelling.
Embassy and consulate contact details, emergency numbers and office timings may change. Always verify the latest information on the official Indian diplomatic mission website before travelling.
Major International Airports in the Schengen Area
Indian travellers can enter the Schengen Area through major international airports across Europe. Popular gateways include Paris Charles de Gaulle (CDG), Frankfurt (FRA), Amsterdam Schiphol (AMS), Madrid-Barajas (MAD), and Zurich (ZRH). Your choice of airport will depend on your itinerary and the countries you plan to visit.
| International Airport | Location | Key Information for Indian Travellers |
|---|---|---|
| Paris Charles de Gaulle Airport (CDG) | Paris, France | A major European gateway and a convenient arrival point for travellers visiting Paris and other destinations in France. |
| Frankfurt Airport (FRA) | Frankfurt, Germany | One of Europe's major international aviation hubs, with extensive connections to Germany and destinations across Europe. |
| Amsterdam Schiphol Airport (AMS) | Amsterdam, Netherlands | A major international gateway for travellers visiting Amsterdam and connecting to other European destinations. |
| Adolfo Suárez Madrid-Barajas Airport (MAD) | Madrid, Spain | Spain's major international gateway, providing convenient access to Madrid and connections to other European destinations. |
| Zurich Airport (ZRH) | Zurich, Switzerland | A major international airport for travellers visiting Switzerland, including Zurich, the Swiss Alps and nearby destinations. |
Tip: If your itinerary includes Germany, France, Italy, Switzerland, Austria, or other Schengen countries, check that your travel insurance policy provides valid coverage throughout the Schengen Area for the entire duration of your trip.
Know Before You Buy
What Is Not Covered Under Schengen Travel Insurance?
Understanding policy exclusions can help you avoid unexpected claim issues. Exclusions vary by insurer and plan, but Schengen travel insurance policies may generally exclude:
- Pre-existing medical conditions - Medical expenses related to pre-existing conditions may not be covered unless the selected plan specifically provides coverage.
- Travelling for medical treatment - Treatment or procedures that are the reason for travelling to a Schengen country are generally not covered unless specifically included under the policy.
- Travelling against medical advice - Claims may be excluded if you travel against your doctor's advice or while awaiting planned medical treatment, subject to the policy wording.
- Self-inflicted injury or alcohol- and drug-related incidents - Claims arising from intentional self-harm or incidents caused by alcohol or drugs may be excluded, subject to the policy terms.
- Unattended or negligently handled belongings - Baggage or personal belongings that are left unattended or not reasonably protected may not be covered.
- War, civil unrest or excluded events - Losses arising from war, riots, civil disturbances or other specifically excluded events may not be covered.
- Excluded adventure or sports activities - Injuries arising from certain adventure sports or hazardous activities may not be covered unless the activity is specifically included in the policy or an appropriate add-on is available.
Always read the policy wording carefully before buying. Exclusions, conditions, coverage limits, geographical coverage and claim requirements vary between insurers and plans.
Schengen Travel Insurance - FAQs
Where Can I Buy Schengen Travel Insurance Online?
Indian travellers can compare and buy Schengen visa travel insurance online before departing from India. Compare available plans, select the required coverage and complete the purchase online. You can also get travel insurance Schengen travel insurance online with coverage options based on your age, trip duration and medical protection requirements.
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