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Are you planning to visit the Schengen area? Then you must have travel health insurance. The Schenegen states require you to have medical insurance to ensure that you can fund your medical expenses. Therefore, if you want to travel to any Schengen state- Be it France, Germany, Luxembourg, Finland or Belgium, you need insurance of at least EUR 30,000. Only then you will be given any type of visa. Would you like to know how to get travel insurance for schengen visa from India? Keep reading this blog and find out.
Is Travel Insurance Mandatory for a Schengen Visa from India?
Yes. Getting travel insurance is mandatory for a schengen visa applicant. Those intending to visit any of the 29 states of the Schengen area (with common entry and exiting requirements) need to get this insurance
The reason? It ensures the financial stability of the Indian nations travelling. The insurance will help cover medical expenses in case of emergencies, luggage, loss of valuables, passport theft, and more. Therefore, you must know how to get travel insurance for schengen visa from India. Moreover, you must ensure that-
- Travel insurance of at least EUR 30,000
- The travel insurance must be from an approved insurance provider
- Moreover, the travel insurance must be valid in all the Schengen states (mainly because the Schengen area allows free entry to other EU countries.
What is Schengen Visa for Indians? A Comprehensive Guide
What are the 29 Schengen States in Which Travel Insurance Should Be Valid?
The Schengen area consists of 29 European countries. You need to know
how to get travel insurance for schengen visa from India because these countries have a joint agreement to have a common entry and exit requirement. Therefore, when you are applying for a Schengen visa you must get insurance that is valid in these countries as well.
| 29 Schengen States | ||
| France | Portugal | Finland |
| Norway | Czechia | Switzerland |
| Latvia | Bulgaria | Germany |
| Austria | Spain | Lithuania |
| Iceland | Denmark | Malta |
| Greece | Estonia | Slovenia |
| Liechtenstein | Hungary | Italy |
| Luxembourg | Slovakia | Belgium |
| Netherlands | Poland | Sweden |
8 Benefits of Getting Travel Insurance for a Schengen Visa
Learning how to get travel insurance for schengen visa from India has its perks. The travel insurance comes with a lot of benefits. They are provided below:
- Travel insurance helps you meet the medical insurance requirements to get any Schengen visa. For example, a tourist visa, a student visa, or even a work visa.
- Covers expenses related to trip, and flight emergencies
- Permits cashless hospitalisation in case of an injury or illness
- Provides personal liability
- Moreover, emergency services like medical evacuation and repatriation are covered
- You can make the insurance claim while staying in any Schengen country.
- You can choose between Schenegen travel insurance for families, individuals, corporate travellers, and senior citizens.
- You may be able to access add-on benefits like sports coverage, and expense coverage in case of passport loss, or trip cancellation.
- Offers refund if your Schengen visa application is rejected
Does Visa Automatically Provide Travel Insurance?
No. Applying for a Schengen visa does not mean you will get travel insurance automatically. The application for travel insurance must be made separately. There are approved insurance agents providing travel insurance to individuals. You need to get medical insurance from any of these approved sources. Once you have obtained it, provide the proof to the visa facilitation agency.
Do I Need Travel Insurance Before Applying for a Visa?
Yes. You need to get travel insurance before applying for a Schengen visa. The travel insurance is one of the documents required for a Schengen visa application. Therefore, without submitting proof that you got the insurance, your visa application is not processed. Therefore, you will not get the visa.
Requirements to Get Travel Insurance for a Schenegen Visa
Are you wondering how to get travel insurance for schengen visa from India? To get a Schengen visa you must meet the basic requirements. Your travel insurance policy must include the following-
- As mentioned before the travel insurance must be of at least EUR 30,000
- It must cover any medical emergency arising. This can be an injury or illness
- Moreover, the insurance must be valid in all the Schengen states
- You must provide documents related to our travel. For example, the duration of stay, and the purpose of your visit.
Know All About German Travel Insurance Here!
How Much Does Travel Insurance Cost?
European countries have not specified the upper limit. This means you can get travel insurance of any amount. However, the minimum acceptable amount of travel insurance required is provided below:
| Particulars | Amount of Travel Insurance |
| Minimum amount of acceptable travel insurance | EUR 30,000 – EUR 50,000 |
The minimum amount is EUR 30,000. Getting travel insurance of this amount is accepted as proof in all the Schengen countries.
List of Things that Schengen Travel Policy Cover
You need to know how to get travel insurance for schengen visa from India and what are the benefits that come with it. These are the main list of things that is included in the travel insurance.
- Loss or delay of checked-in baggage
- Visit of a family member in case of your hospitalisation
- Covers your medical expenses
- Reparation of mortal remains to your home country
- Medical emergency evacuation
- Medical treatment continued in India
- Regular hospital allowances
- Emergency dental treatments
- Flight hijacking, or missed flight
- Passport loss
- Accidental death, or expenses related to permanent disability
- Automatic extension of policy period due to emergency trip extension
- Expenses coverage in case of home burglary
- Medical treatment continued in India
List of Things that Schengen Travel Policy Cover
These are some of the things that the travel insurance does not cover.
- Any pre-existing disease
- Admission to the hospital due to routine checkups or diagnosis
- Medical expenses in case of infertility, pregnancy, or external congenital conditions
- Cost of non-allopathic medicines
- A congenital anomaly known to be insured at the time of getting the insurance
- Cosmetic and plastic surgery
- Expenses incurred due to self-inflicted injuries, substance abuse, STD, HIV
- Loss/damage as a result of breach of law
- Lass/damage happened in hazardous sports
Note- the exact things that are included and not included in insurance depends on the company you are getting the insurance from,
Documents Required for a Schengen Visa Insurance
How to get travel insurance for schengen visa from India? Submit documents. Getting travel insurance means lots of paperwork. These are some of the general documents you must have to buy insurance, and later claim it.
Documents to Purchase the Travel Insurance
The following documents are required to purchase the travel insurance e
- Identity proof- Passport (passport number), and PAN or other government-issued documents for proposal form.
- Moreover, KYC for European travel insurance is mandatory/e
Documents to Claim the Travel Insurance
The following documents are required to claim the travel insurance:
- Identity proof
- FIR/Police report for criminal cases
- Completed claim forms
- Copy of passport (that has immigration stamps)
- Copy of the original policy
- Original bills and receipts
- Any other additional documents depending on your claim
How to Get Travel Insurance for Schengen Visa from India Easily?
You can get travel insurance for a Schengen visa from India by following the steps below:
- Download the list of approved providers– First, download the list of approved providers. The European countries have approved a list of insurance companies. They are genuine and offer you travel insurance to any schengen country.
- Compare the available plans– Every company provides you with several insurance plans. You can go through the list of the available insurance plans.
- Choose the plan that is best for you– You need to choose an insurance plan that is suitable for you. Just make sure, the insurance plan provided is not less than the minimum acceptable insurance amount.
- Choose between an online or offline application– The insurance plans provided online tend to be cheaper.
- Consider add-ons- The insurance company will provide you several add-on options. You can choose what interests you.
- Pay the insurance fee– Now you can pay the insurance fee, and get travel insurance.
What are the Approved Insurance Companies to Get a Schengen Travel Insurance?
Wondering how to get a travel insurance for schengen visa from India? You need to get insurance from an approved provider. The list of the approved providers are available in this PDF.
How To Claim Travel Insurance for Schengen Area?
Now you know how to get a travel insurance for a Schengen area. After you apply for the insurance. After you get the insurance you can access the same. To claim travel insurance you can follow the steps below:
- Visit the official website though with you apply for insurance
- Go to the claims page, and head over to the travel insurance page option
- Thereafter, request a claim assistance form
- Choose the insurer you have purchased the policy form
- View the details of the insurer such as the contract number, and the email address
- Finally, contact your insurer, and claim your insurance
Do ensure that you have contracted your insurer within 30 days of reaching the destination country. For emergency situations, a cashless hospitalisation facility is available.
How To Find the Cheapest Travel Insurance for a Schengen Visa?
To find the cheapest travel insurance for a Schengen visa you can head over to the popular travel insurance agencies. For example, the AXA Schengen travel insurance, and the Policy Bazaar offers travel insurance at a cheap rate. However, we would recommend that you shortlist the insurance agencies you like, and then choose one. Also, ensure that you need to get a travel insurance of at least EUR 30,000 to get a visa. Any insurance below this amount cannot act as your proof.
What is the Total Cost of a Schengen Visa from India?
Now you know how to get travel insurance for schengen visa from India. However, travel insurance is not the only thing you need to pay for. You need to pay the visa fees as well. The available visa fees are provided below:
| Age Group | Fees |
| Adults | EUR 90 |
| Children aged 6 to below 12 Years | EUR 45 |
| Children below the age of 6 | Free |
How Much Bank Balance is required for a Schengen visa for Indians?
Apart from the visa fees, you need to have a minimum bank balance to sustain yourself for the duration of your stay. The minimum balance requirement varies based on the country.
| Country | Minimum Bank Balance Requirement |
| Switzerland | EUR 100 per day |
| Denmark | EUR 47 per day |
| Italy | EUR 269,60 per week |
| Netherlands | EUR 55 per day |
| France | EUR 65 per day |
| Spain | EUR 113 per day |
You can prove you have a minimum bank balance by showing your last 6 months’ bank balance and ITR proof. You need the amount for the duration of your stay. Ensure you know how to get travel insurance for schengen visa from India and have the minimum balance in your account.
What Travel Insurance is Best?
The best travel insurance is the insurance you get from an approved provider. European countries like Germany have clearly specified the companies they approve of. If you get travel insurance from any of these countries, then only you can show it as proof. Otherwise, you will not be eligible for a visa. Therefore, the best travel insurance is insurance from a company that offers you an option to secure at least EUR 30,000 insurance and is approved by the country you want to travel to.
FAQs
No. Those who are travelling to any Schengen country (For example, Germany, France, Austria, Netherlands, Italy, etc) need to get travel insurance. Without travel insurance, a Schengen visa is not issued.
Starting from medical emergencies, and flight cancellations, to passport loss, travel insurance covers almost every unprecedented emergency. Typically, to travel to Schengen stater you need travel insurance of at least EUR 30,000 for 3 months.
Yes. You need to provide the ITR letter along with your bank statement. Otherwise, your visa application will not be approved. Presenting the ITR letter is a mandatory financial requirement to get a Schengen visa.
A Schengen visa can be denied for several reasons. For example, lack of clear intention, proof of criminal record, medical reason, and more. Moreover, your visa application can also be rejected if you do not have sufficient funds to cover your expenses, or you have not filled out the complete application form.
Yes. Indian nationals can get a Schengen visa easily. Typically, the rejection rate is below 10% for all schengen visas. This means that the visa success rate is around 90%. Those who meet the visa requirements can easily get the visa.
We hope you now have the answer to your question- how to get travel insurance for schengen visa from India? Want to apply for a Visa for your study abroad journey? Drop us a comment in the section below, or visit our visa page for more such articles. You can also connect with a visa expert at Leverage Edu, and we will guide you on your dream journey!
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