Travel Insurance For Schengen From India

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Travel Insurance for Schengen Visa from India

Travelling to a Schengen country this year? Make sure to get travel insurance for Europe and travel insurance for a Schengen visa before you embark on the journey!

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Schengen Travel Insurance

Schengen travel insurance is insurance for travelling to Schengen countries. Schengen countries are those 26 countries that signed the Schengen agreement in 1985 in Luxembourg, Europe. The Schengen agreement makes it easy for tourists and travellers travelling to the European subcontinent to move unrestricted in any of the 26 countries during their stay. These counties include France, Switzerland, Austria, Germany, Belgium, Denmark, Greece, among others. Travellers arriving in a Schengen country can only stay up to 90 days within a 3-month window. Moreover, they need a Schengen visa and mandatory travel insurance for Schengen before they set foot in any of the listed Schengen countries.

Schengen travel insurance is a mandatory insurance cover for travellers that protects them from unforeseen eventualities that can threaten their trip by providing financial support in various scenarios. These include medical emergencies, hospitalization expenses, accidents, lost/ delayed baggage, misplaced passport, flight delays and cancellations, and even third-party damage, among several other travel-related scenarios.

Schengen travel insurance covers the costs arising from these eventualities to protect you from financial loss and getting overwhelmed during a trip to a foreign country. Once you get travel insurance for Schengen countries, you get secured for everything that could go wrong as long as it is mentioned and explicitly covered in the travel insurance for Schengen document. When you buy online on, you can choose between various plans. By using the Compare Travel Insurance Feature you can pick the plan the offers the best coverage amount & premium for you. Tata AIG’s Schengen travel insurance starts at an amount as little as ₹40.82 per day*. Moreover, you invest in rupees and receive coverage in Euros.

Why do You Need Schengen Travel Insurance?

Schengen travel insurance and a Schengen visa are mandatory for travelling to any of the listed Schengen countries. But besides travel insurance for a Schengen visa being mandatory for Indians, it is crucial to get Schengen travel insurance to secure yourself and your finances from anything that could go wrong during your trip.

Here are a few reasons why you need Schengen travel insurance from Tata AIG:

To cover the expenses of medical emergencies
Imagine you are all excited about your trip to Europe. You can’t wait to explore the cafes, walk through the historic lanes, and taste the eclectic cuisine. But suddenly, you become sick and require immediate medical care.

Here is where your Tata AIG Schengen travel insurance will come to your rescue. It will cover the cost of hospitalization, accidents, and even emergency dental treatment.

To cover the things that could go wrong during the journey
Nothing is worse than looking forward to a trip, but something unexpected causing a complete dent in your plans. While we can’t control what happens, we want to be there to take care of the consequences.

No matter the situation – flight delays, trip cancellation, missed flights, lost passport, and even bounced bookings – Schengen travel insurance will have your back and refund the amount as per the set limits in the insurance policy document.

To support what you cherish back home
Imagine you have already started your journey, but you get the sudden news of a family member falling sick. Or if someone reported a theft in your empty house. At such a time, you would not be able to enjoy the vacation awaiting you. Plus, you would definitely need financial assistance. Not only does travel insurance for a Schengen visa from India reimburse your booking and flight costs, but it also refunds the damage done to your home.

Benefits of Schengen Travel Insurance

Tata AIG has one of the most comprehensive and best travel insurance for Schengen visas that provide you with:

  • Medical Cover:

The medical cover in the travel insurance for Schengen provides immediate financial assistance if you develop any illness, face an accident, and even the worst-case scenarios of any fatalities. In the scenario you need to continue your treatment in India, it will also cover the costs of evacuating you back.

  • Baggage Cover:

Tata AIG’s travel insurance Schengen visa, India, also covers any delay or misdirection in your baggage by the airline you are flying in. If your baggage gets lost, stolen, or misplaced by any carrier or delivery, we will cover the costs of your personal belongings for a hassle-free stay.

  • Journey Cover:

For any eventuality that takes place during your journey and derails it, our Schengen travel insurance India will cover the financial loss caused by them. These include flight delays and cancellations, trip cancellations, bounced bookings, passport loss, trip curtailments, among other harrowing scenarios.

  • Covid Cover:

At present, the threat of COVID-19 is still looming at large. While you might take all the necessary precautions, it is possible to contract the virus. Not only can this cause a big dent in your travel plans, but it can pose an immediate threat to your life. With travel insurance for Schengen, you get coverage for medical expenses, trip cancellation, and refunds of amounts spent on bookings, accommodation, and travel.

Which are the Schengen Countries?

The Schengen countries are 26 countries in Europe that signed an agreement called the Schengen agreement. This agreement allows travellers coming to the continent to move freely within any of the 26 countries. So, people travelling within Europe do not have to apply for separate visas, insurance, and travel documents.

Before you get travel medical insurance for Europe, it is wise to know about the Schengen countries.

The countries include:

Austria Belgium
Denmark Estonia
France Germany
Hungary Greece
Latvia Lithuania
Netherlands Liechtenstein
Norway Poland
Slovakia Slovenia
Sweden Switzerland/td>
The Czech Republic Finland
Italy Iceland
Luxembourg Malta
Portugal Spain

At Tata AIG, you get the best [travel insurance for Europe]( . With us, you get comprehensive medical, baggage, journey, and COVID-19 cover and top-tier travel health insurance for Europe.

What are the Requirements of Schengen Visa Insurance?

To apply for travel insurance for a Schengen visa, you must know the basic Schengen visa travel insurance requirements:

  • The travel insurance for Schengen visa coverage value must be a minimum of 30,000 euros. However, Tata AIG provides a coverage amount up to approximate 4,31,000 euros at premium prices as less as ₹40.82 per day.
  • It must cover all medical emergencies, medical repatriation, and accident hospitalization costs at the very least. Tata AIG’s Schengen travel insurance is holistic, covering everything from medical emergencies to travel delays.
  • Your Schengen travel insurance policy must be valid for the entire duration of your trip and in all 26 counties.
  • You have to show your Schengen visa, the type of Schengen visa you have taken, and other relevant documents while obtaining a Schengen travel insurance policy.
  • You have to state your purpose of travelling to a Schengen country and your expected time frame of staying in the continent, whether that is leisure travel, business travel, study travel, family and friend visitation travel, or any other reason.

Types of Schengen Visas

Before you get travel insurance for a Schengen visa in India, it is vital to know what type of Schengen visa will align with your purpose of travelling:

Uniform Schengen Visa A Uniform Schengen visa consists of two types of visas

  1. Type A Schengen Visa that is for anyone travelling through a Schengen country by air and only in-transit for a period of up to 24 hours.
  2. A type C Schengen Visa is for a short-term stay in a Schengen country for up to 90 days. Here there are single-entry, double-entry, and multiple entry Schengen visas.

National Schengen Visa A National Schengen Visa is for those travellers who intend to stay in a Schengen country for an academic course, research or pedagogical work, any professionals, international students, and any individual stuck in a Schengen country due to a medical emergency and other related reasons.

Documents Required for a Schengen Visa

Before you apply for a Schengen visa in India with the consulate or embassy of the Schengen country you plan to visit, you have to buy travel insurance for the Schengen visas. You can find a consulate or embassy near where you live for maximum convenience.

It is ideal to apply for a Schengen visa up to 6 months before your take-off date. The latest you can apply is 15 days before the scheduled trip, but since the visa approval takes around 10 to 15 days, it is not recommended to take such last-minute risks.

Here are all the documents required for Schengen Visa:

  • A duly filled and signed printed copy of the visa application form
  • Two passport-sized photographs with a light background clicked recently
  • An active Indian passport that is not older than ten years and is valid for at least three months from your intended travel date to the chosen Schengen country
  • Proof of accommodation during your stay in the chosen Schengen country and area
  • The Schengen travel insurance is availed in India with a coverage of at least 30,000 euros.

Plus, there must be the base coverage of unforeseen medical emergencies, accidents, and medical evacuation and repatriation

  • Flight tickets and flight itinerary to and from the Schengen country and area
  • A cover letter stating the reason for your visit to the chosen Schengen country
  • Proof of your civil status including but not limited to:
  • Your marriage certificate
  • Income tax return proof of the last 3 years
  • Bank statement of the last 6 months
  • Birth certificate of children
  • Ration Card
  • Proof of your capacity to finance your stay in the chosen Schengen country
  • Proof of admission if you are travelling as an international student
  • Letter of employment if you are travelling for work purposes

Moreover, while applying for a Schengen Visa, you will have to state your purpose of visiting the Schengen Area in the application form and during the interview at the embassy. Tata AIG provides one of the cheapest travel insurance for a Schengen visa at premium rates as little as ₹40.82 per day!

What is Schengen Visa Procedure?

Once you get offline or online travel insurance for a Schengen visa, you can apply for the Schengen visa. It is ideal to apply for your Schengen visa at least 30 to 60 days before the date of your trip, even though the cut-off date is 15 days before the trip. This is because the embassy or consulate where you apply for a Schengen visa might take anywhere between two weeks to two months to process your visa application. Here is how you can go about it:

Step 1 - Decide what purpose you are visiting the Schengen country for and select the Schengen visa type applicable
These include:

  • Transit Visa
  • Tourist Visa
  • Family and friends’ visitation visa
  • Business visa
  • Study visa
  • Visa for cultural and sport activities
  • Visa for official visits
  • Medical visa

Step 2 - Apply to the embassy of the Schengen country you will visit. If you are visiting more than one Schengen country, apply to the consulate or embassy of the core destination country you plan to visit.
Step 3 - Pick a suitable time frame to apply where the earliest date is 6 months before the trip, and the latest is 15 days.
Step 4 - Book an appointment with the consulate/ embassy/ visa centre of the Schengen country. Most applications are online, but if your chosen Schengen country specifies an in-person booking, then you have to abide by that.
Step 5 - You will receive the Schengen visa application form, where you will have to input details, including your personal information, background information, the purpose of visiting, and other relevant details. Before you fill the form, read the instructions on how to do so in its entirety.
Step 6 - Once you fill the application form, gather all the relevant documents (mentioned above) and attach them while submitting. After that, you will receive a notification for a Schengen visa interview and get an appointment date. The interview will last around 15 minutes.
Step 7 - The travel insurance for Schengen visa costs differ from insurer to insurer. At Tata AIG, we strive to provide the most holistic of coverages at affordable prices. That is why we offer comprehensive Schengen travel insurance at prices as little as ₹40.82 per day.

Best Time to Visit Schengen Countries

You can visit Schengen countries anytime during the year as the maximum temperature doesn’t exceed 23 to 25 degrees Celsius. As most of India hits hotter temperatures than those in Schengen countries, even 24-degree weather can seem pleasant. Schengen countries have four seasons:

  • Summer where the temperature is between 14 to 24-degree Celsius (December – February)
  • Autumn where the temperature is between 7 to 14-degree Celsius (September – November)
  • Spring where the temperature is between 2 to 18-degree Celsius (June – August)
  • Winter where the temperature is between -10 to 10-degree Celsius (March-May)

Each season has a unique experience to offer, and the local weather is different in different Schengen countries.

Things to Do in Schengen Countries

There are plenty of things to do in Schengen countries. You could visit popular destinations like France and visit the Eiffel tower at sunset. You could visit destinations blooming with history on every by-lane like Greece and Vienna. You could visit cultural heritages and rich architectural havens like the Czech Republic, Hungary, and Austria. You could soak in the eclectic cuisines of Italy and Spain, shopping in Germany and Belgium. And of course, there is everyone’s dream destination – Switzerland, where you could soak in amidst the luscious greenery and indulge in the world’s best chocolates. The list is never-ending, and the possibilities are countless.

What does the Schengen Travel Insurance Policy from Tata AIG Cover?

Before you buy travel insurance for a Schengen visa in India, it is necessary to know what the travel insurance coverage for Schengen visa from Tata AIG includes:

  • Accident & Medical Illness Treatment: Our Schengen travel insurance covers all medical costs arising due to an accident or any illness (excluding a pre-existing disease), including hospitalization, intensive care unit hospitalization, surgery, room rent expenses, and miscellaneous expenses.

  • Personal Accident Treatment: Our Schengen travel insurance covers all medical costs arising out of any unforeseen accident, including hospitalization, intensive care unit hospitalization, surgery, diagnostic tests, ambulance costs, room rent expenses, and miscellaneous expenses.

  • Medical Evacuation: Our Schengen travel insurance covers immediate evacuation expenses needed due to an unforeseen medical emergency at the nearest hospital available in the Schengen country where the eventuality occurs. If the need is, the travel insurance will also cover the costs of medical evacuation back to India.

  • Emergency Dental Treatment: Believe it or not, our Schengen travel insurance also covers emergency dental treatment expenses. We provide a monetary dental benefit for reasons including a medically necessary filling of a tooth/ teeth, surgical treatment required, and any other services or supplies needed to treat the tooth. However, all the dental benefits shall be limited to the treatment given only to sound natural teeth, i.e., no artificial teeth.

  • Trip Delay/Curtailment: Our Schengen travel insurance covers trip delays and curtailments caused due to loss of travel or accommodation due to cancellation by the other party. Even for unused travel and accommodation expenses due to a personal reason, we will refund all the unused expenses.

  • Baggage Loss and Delay: Our Schengen travel insurance covers the costs of all personal items due to delayed, misdirected, or lost baggage caused by the airline’s negligence. It also covers the personal belonging costs if the carrier or delivery personnel misplaces your entire baggage. Even incidents of theft are covered.

  • Flight Delays/Cancellation: We know how frustrating flight delays and cancellations can be for no fault of your own. That is why we cover the additional expenses incurred in securing an extra night or two of hotel stays and further bookings. You also receive coverage in case of missed or cancelled flights.

  • Repatriation Cover: If any case of unforeseen fatality, where the worst possible scenario plays out, we at least wish to ensure that your loved ones receive the financial support they deserve in the tough time caused by your demise. Moreover, we ensure your loved ones get to give a final goodbye by transporting remains back to India.

  • Hijack Risk Cover: We hate to even imagine this, but in the terrible eventuality of your flight getting hijacked, we wish to provide financial assistance as much as we can. In such a time, we hope to lessen the impact of your trauma with a distress allowance that will at least take care of your financial liabilities.

  • Personal Liability: In the unlikely eventuality of you causing damage to someone else, we would like to assume financial responsibility for the same. In the case of you and a third party being involved in an accident and the third party getting hurt, we will cover all the damage caused to the third party.

COVID-19 Cover: If at any time during your trip you contract COVID-19, we’re right here to ease the strain of recovery. We will take care of all the medical expenses incurred due to the disease, reimburse you for the unused and non-refundable amount of your bookings/ accommodations, and automatically extend your travel insurance by seven days if there is a lockdown imposed in your Schengen country/ city.

What does the Schengen Travel Insurance Policy Not Cover?

While we would love to secure you for every possible catastrophe, there are some scenarios where our travel insurance would not be able to help. These include:

  • Cosmetic treatment: We do not cover the costs of elective, cosmetic, or plastic surgery, except as a result of an injury caused by a covered accident while our travel insurance policy is in force.

  • War & civil unrest: We do not cover any losses arising out of war, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities (declared or undeclared), rebellion, mutiny, use of military power, usurpation of government/ military power, or civil unrest

  • Adventure sports: We do not provide financial support in the case of any damage or injury caused due to engaging in adventure sports of any kind. These include scuba diving, paragliding, bungee jumping, river rafting, among other life-threatening sports.

  • Mental disorders: We do not cover any mental disorders, any sexually transmitted diseases (including but not limited to HIV/ AIDS), and any pre-existing diseases.

  • Alternative Treatment: We do not cover any alternate treatments of any type that are prevalent in India, including but not limited to Homeopathy, Ayurveda, Unani, and other alternative medicinal practices.

  • Journey Exclusions: We do not cover charges incurred for diagnostic, x-ray, and laboratory examinations that are not related to the illness/ injury. We do not cover any charges for treatment rendered by a doctor that is outside his/ her medical professional or doctor’s fees charged by an immediate relative or sharing the same residence.

We do not cover the costs of any personal comfort and convenience items like television, telephone calls, internet, food, cosmetics, hygiene items, and other body care/ comfort products.

  • Baggage Exclusions: We do not cover any damage or loss to a partial amount of your baggage. We only cover losses and reimburse the cost of personal belongings due to the whole loss of baggage.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

1. Why Do I Need a Schengen Travel Insurance Policy?

1. Why Do I Need a Schengen Travel Insurance Policy?


You need a Schengen Travel Insurance Policy as it is mandatory if you want to travel in any of the 26 countries constituting the Schengen continent. Moreover, it is always better to have financial security in case of an emergency that threatens to drain your savings.

2. Can Business Travellers Buy a Schengen Travel Insurance Policy?


Yes, of course. Business travellers can and have to buy a Schengen Travel Insurance Policy. One of the main Schengen visas is business visas. And those travelling for professional or work-related purposes must avail of a Schengen travel insurance policy to avoid any kind of hassle

3. What is Not Covered Under a Schengen Travel Insurance Policy?


A Schengen Travel Insurance Policy, especially from Tata AIG, covers a wide range of unforeseen scenarios, including dental treatment and fatalities. But there are some things beyond the scope of coverage, including costs incurred due to cosmetic treatment, war and civil unrest, alternative treatments, injury caused due to adventure sports, mental disorders, pre-existing diseases, and others. You should always read the travel insurance policy document in detail to know about all its exclusions.

4. What is the Eligibility Criterion to Apply for a Schengen Visa?


To be eligible to apply for a Schengen visa, you must:

  • Fill the visa application form within the desired time frame
  • Be clear about your purpose of visiting the Schengen country
  • Have all your relevant documents in place
  • Have enough financial and civil status
  • Have your itinerary, accommodation, and mode of travel sorted
  • Have Schengen travel insurance in place

5. Is It Possible to Travel to Multiple Schengen Countries with the Same Schengen Visa?


Yes, it is possible to travel to multiple Schengen countries with the same Schengen visa. However, there is a specific type of visa that allows for multiple travels within different countries. It is the multiple-entry or type C uniform Schengen visa or the Multiple-entry or type-D Schengen visa.

6. How Does a Single-Entry Schengen Visa Differ from a Multiple-Entry Schengen Visa


A single-entry Schengen visa allows you to enter a Schengen country only at one given time during a period of 180 days and for a maximum of 90 days. Once you exit the Schengen country, you are not allowed to return and have to apply for a new visa altogether.

A multiple-entry Schengen visa allows you to enter multiple Schengen countries within the same span of 180 days and for a maximum of 90 days. It saves you the effort of doing paperwork again and again.

7. How Much Time Does It Take to Process for a Schengen Visa


It usually takes around two weeks to process a Schengen visa if the embassy/consulate finds everything in the right place and is satisfied with your application form. In some specific cases, the embassy/ consulate takes around 30 days to process a Schengen visa. In some unusual cases, it takes around 60 days to process the visa.


All the information provided above has been well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of coverage.