Schengen Visa Insurance Forum

Travel Insurance for visiting Belgium and Italy

Question
Dear NRIOL team,
I am travelling from 3-6 to Belgium and then will go to Italy, Rome from 22 to 26 September. Do I need separate travel insurances or a single one.

Thanks
Raja

Answer
Dear Raja,
Thank you for your email. As you are returning to India in between the two trips, you will need to buy two separate policies for your journey.
You can get benefit details, free quotes and purchase the policy at our secure online facility at
Schengen Visa Travel Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Claims procedure in case of emergency

Question
Dear Insurance team,
My wife has travelled to Sweden to visit me on Schengen visa and has a Silver Plus travel medical insurance plan. Please may I know the exact procedure I should follow in case she falls sick or in case of emergency? Kindly requesting advise as per your policy procedures.
Thanks
Aravind

Answer
Dear Mr.Aravind,
Thank you for contacting NRIOL for your travel insurance requirements. In TATA AIG outpatient medical expenses inlcuding pharmacy bills will be borne by the insured upfront and claim for reimbursement later. The reimbursement will be any amoumt after the decutible as per policy terms and conditions. In case of hospitlaization expenses more than 24 hours, then the insured should get in touch with the assistance provider who will speak to the hospital where your wife is taking treatment and do a direct cashless settlement after deductible as per terms and conditions of the policy.
You can get more details of TATA AIG claims procedure at:
TATA AIG Schengen Visa Travel Insurance Claims Procedure

Thank you,
NRIOL Customer support.
080-4110 1026
German Visa Insurance

Question
Dear Insurance desk,
I am traveling to India to Italy on 6th of September and coming back on 15th and again in October I will be traveling to Germany for a week. Should I buy one policy for entire duration or two separate policies for each duration?

Thanks
Dr. Sukla

Answer
Dear Dr. Sukla,
Thank you for contacting NRIOL for your travel insurance requirements. As you are returning back to India during 1st trip, you should buy separate policy for each trip. You can buy minimum $50,000 US dollar coverage or 30,000 euro coverage to apply for you Schengen visa.
You can get free quotes and buy the Schengen policy online at
German Visa Medical Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Travel Medical Insurance for visiting Germany

Question
Dear NRIOL insurance desk,
Me and my wife both are 60 years and some months and travelling to Germany next month for 35 days. We need travel insurance which is accepted by the German embassy and which offers at competitive price.
Thanks
R K Jain

Answer
Dear Mr. Jain,
It was nice talking to you regarding travel medical insurance for Germany for yourself and your wife. As mentioned in our conversation all companies which we market on NRIOL satisfy Schengen visa requirements. Listed below are the plans which are more affordable and match your budget.
  • Reliance General Insurance
    Traveler age: less than 61 years
    Destination: Schengen country
    Duration: 35 days
    Coverage: 30,000 Euros
    Premium per person: Rs.1,119/-
    You can get free quotes and buy the insurance online at
    Reliance Schengen Visa Medical Insurance
  • Trawelltag's Trawelltag Cover-More insurance
    Traveler age: less than 61 years
    Destination: Schengen country
    Duration: 35 days
    Coverage: 30,000 Euros
    Premium per person: Rs.1,851/-
    You can get free quotes and buy the insurance online at
    Trawelltag Cover-More Schengen Visa Medical Insurance
  • Bajaj Allianz
    Traveler age: less than 61 years
    Destination: Schengen country
    Duration: 35 days
    Coverage: $50,000
    Premium per person: Rs.1,197/-
    You can get free quotes and buy the insurance online at
    Bajaj Allianz Schengen Visa Medical Insurance
Thank you,
NRIOL Customer support.
080-4110 1026
TATA AIG Insurance satisfies Schengen visa requirements

Question
Dear NRIOL insurance desk,
I am traveling to Schengen country and I was interested to buy the TATA AIG plan. The requirement is minimum 30,000 euro to apply for visa. But TATA AIG offers coverage in US dollars. Does the embassy accept the same?

Thanks
John

Answer
Dear Mr. John,
Thank you for contacting NRIOL for your Schengen travel insurance requirements. TATA AIG offers insurance for Schengen countries for any age and the minimum $50,000 US dollar coverage policy will satisfy your Schengen visa requirements. The Schengen consulates are accepting the TATA AIG insurance even though the coverage is in Dollars.
TATA AIG Logo
You can get free quotes and buy the insurance online at
TATA AIG Schengen Visa Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
30 days minimum duration for French (Schengen) Visa Insurance

Question
Hi Customer service,
I purchased the National Insurance plan through NRIOL's online facility on 17th June, 2015 for my family from 18/07/2015 to 24/07/2015.

As per the requirement of the visa for France it is requested to extend the policy up to minimum of 30 days from the date of travel i.e. 18/07/2015. Kindly tell the amount I need to pay extra so that I can pay it ASAP. As per the requirement of the visa for France you are also requested to provide the certified copy of the insurance policies with seal and signature on urgent basis. I would appreciate if you could mail the scanned copy of the certified insurance policies.

Thanks and Regard.
S K R

Answer
Dear Sir,
As per your email request we have extended your policy. We have emailed the endorsed soft copy of the new certified insurance policies to your email address.

Thank you,
NRIOL Customer support.
080-4110 1026
Making claims in Schengen Countries

Question
Dear NRIOL Customer support,
I am applying for greece visa and keen to choose Bajaj allianz travel insurance. The health policy declaration has a point stating that the claims made should be recoverable in Schengen. I would like to know as soon as possible whether you cover this clause so that I can proceed to buy the insurance.
Thank you,
Nikhil

Answer
Dear Nikhil,
Thank you for contacting NRIOL for your Schengen travel insurance requirements. Hospitalization medical expenses more than 24 hours is cashless after the deductible. The insured has to get in touch with the assistance company who will then speak to the hospital where the insured is hospitalized and make a guarantee of payment in couple of hours as per policy terms and conditions. In case of outpatient medical expenses the insured has to bear the expenses and claim for reimbursement later.
However in Bajaj Allianz there is a plan "Assist Card" where even the OPD medical expenses are cashless after the deductible and there is "Elite Plan" where OPD medical expenses after $500 is cashless.

Thank you,
NRIOL Customer support.
080-4110 1026
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