Spain Schengen Visa Travel Insurance from India – TATA AIG Plans

Indian travelers to Spain need the Schengen visa insurance and they can buy Spain visa travel insurance on our website. Our Spain visa travel insurance facility displays the travel insurance that satisfy Spain visa consulate requirements. Once you complete buying the Spain visa travel insurance online, we will email the required travel insurance document which you can submit while applying for the Schengen visa.

The cost of TATA AIG travel insurance for a Spain visa depends on three factors: the traveller's age, the trip duration, and the plan chosen. As a general guide for a 35-year-old on a 60-day trip:

• Silver Planfrom ₹29/day* ($50,000 medical cover)
• Silver Plus Planfrom ₹35/day* ($100,000 medical cover)
• Gold Planfrom ₹38/day* ($250,000 medical cover)
• Platinum Planfrom ₹48/day* ($500,000 medical cover)

The Silver Plan at ₹29/day* is the cheapest Spain Schengen visa insurance option that still meets the mandatory EUR 30,000 coverage requirement. Older travellers or those wanting higher protection should compare the Gold or Platinum plans using the quote form above.

You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

No. GST on individual travel insurance policies has been reduced to 0% for eligible policies purchased after the applicable regulatory change (from Sept 22, 2025 onwards).

If your return journey is delayed or cancelled due to a covered reason, your policy may be extended automatically for a limited period as per policy terms.

Yes. Tata AIG offers travel insurance for senior citizens, subject to age limits and medical underwriting. Coverage for pre-existing diseases may be available under specific plans.

Yes. TATA AIG is one of India's largest and most trusted general insurers, and its international travel insurance plans are specifically designed to meet Schengen visa requirements. Here is why Indian travellers consistently choose TATA AIG for their Spain trip:

• Schengen-compliant: every plan meets the mandatory EUR 30,000 medical cover requirement and is accepted by VFS Global and Spain consulates across India.
• Instant visa certificate: your insurance certificate is emailed immediately after purchase, so your visa application is never delayed.
• 24x7 emergency assistance: a multilingual support team is available around the clock for medical emergencies, hospitalisation guidance, and claims.
• Cashless hospitalisation: TATA AIG settles hospital bills directly through its international assistance network, so you do not need to pay upfront and claim later.
• 0% GST: eligible individual travel insurance policies attract zero GST (applicable from September 2025 onwards), making premiums even more affordable.

For most Indian travellers visiting Spain, the TATA AIG Gold Plan offers the best balance of price and protection. Use the quote form above to compare all plans side by side.

Yes. TATA AIG international travel insurance offers cashless hospitalisation in Spain through its global assistance network. This means that if you are admitted to a network hospital in Spain, the insurer settles eligible medical bills directly with the hospitalyou do not pay upfront and then wait for reimbursement.

How the cashless process works:

1. Call the 24x7 TATA AIG assistance helpline (number is on your policy card) as soon as you need medical treatment.
2. The assistance team verifies whether the hospital is in the cashless network and issues a Guarantee of Payment (GOP) to the hospital.
3. You receive treatment; the insurer and hospital handle billing directly.
4. You pay only for items that are explicitly excluded under your policy (e.g. personal comfort items).

For hospitals outside the cashless network, you pay first and submit a reimbursement claim after returning to India with your bills and medical records.

EUR 30,000 health insurance refers to the minimum medical coverage that every Schengen visa applicant - including Indian nationals applying for a Spain visa - must have. This requirement is set by Schengen member states to ensure that visitors can cover the cost of medical emergencies, hospitalisation, and repatriation without relying on public health systems in the host country.

In practice, EUR 30,000 (approximately USD 50,000) is the floor, not a ceiling. TATA AIG Spain Schengen visa insurance plans start from the Silver Plan ($50,000 medical cover), which satisfies this requirement. Higher-tier plans such as the Gold ($250,000) or Platinum ($500,000) provide greater protection, particularly useful for longer stays or travellers with pre-existing conditions.

Your Spain visa application will be rejected if the insurance certificate does not clearly show at least EUR 30,000 in coverage valid across all Schengen countries. All TATA AIG plans include this on the certificate automatically.

The best plan depends on your traveller profile:

• Travelling on a budget (short trip, under 40 years): The TATA AIG Silver Plan (₹29/day*) is the most affordable Schengen-compliant option, covering $50,000 in medical expenses.
• Best all-round choice (most travellers): The TATA AIG Gold Plan (₹38/day*) offers $250,000 medical cover, $10,000 pre-existing condition cover, and $750 trip Cancellationstrong value for a Spain holiday or business trip.
• Travelling with family or for a longer stay: The Platinum or Titanium plans provide up to $500,000–$750,000 medical cover and higher cancellation/baggage limits, suitable for families or extended stays in Spain.
• Senior travellers (71+ years): The Senior or Super Senior plans are tailored for travellers aged 71–80 and 80+ respectively, with up to $100,000 and $50,000 in medical cover.

All TATA AIG plans are accepted by Spain consulates and VFS Global and deliver an instant visa certificate by email. Use the quote form above to compare premiums for your exact age and travel dates.

Getting Spain visa travel insurance online through NRIOL takes about five minutes:

1. Fill in the quote form at the top of this page - select Spain as your destination, enter your travel dates and traveller ages.
2. Compare plans - review the Silver, Gold, and Platinum options side by side.
3. Select your plan and proceed to checkout.
4. Pay securely via UPI, credit/debit card, or net banking.
5. Your TATA AIG policy document and Spain Schengen visa insurance certificate are emailed to you instantly - ready to submit with your visa application.

Need help choosing? Call our advisors at  (080)-41101026 or reach us on WhatsApp - we are available seven days a week.