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Travel Insurance for Schengen visa from India

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Tata AIG Travel Insurance

Schengen visa requirements

VFS center approved travel insurance for Schengen visa application process
50,000 USD / €30,000 Euros travel insurance medical coverage
Travel insurance should cover medical evacuation and repatriation
Should have an office in Europe

Indian travel insurance satisfy Schengen visa insurance requirements

Travelers who are traveling to Europe to any of the Schengen countries namely, Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland can buy the cheap Schengen travel insurance online. This Schengen visa travel insurance is a requirement while applying for the Schengen visa. This single Schengen visa enables Indian travelers to visit any of Schengen countries

These customized Indian travel insurance plans satisfy the Schengen travel insurance requirements and have been authorized by Schengen consulates. It is recommended to buy schengen travel insurance to exceed your travel duration by a week to ten days. We have had customers visa applications rejected if the travel insurance policy is for the exact duration as the trip.

Schengen visa requirements

The travel insurance required for a Schengen visa is known as Schengen travel insurance. This type of insurance must meet specific requirements set by the Schengen consulates. Along with other required documents you need to include this insurance to apply Schengen visa. Some visitors also call it Europe travel insurance as they are visiting Europe's Schengen region. Here are the key requirements for Schengen travel insurance.


  • Purpose of travel:Travellers must clearly state the purpose of their visit to the Schengen Area, whether it's for holiday, tourism, visiting family or friends, business, medical treatment, or other reasons.
  • Sum Insured:A minimum of 30,000 Euros sum insured is a must for each traveller to cover your medical expenses duriing your trip/stay in the Schengen countries. In case if the insurance company provides plan in different currency, an equivalent of the 30,000 Euros is sufficient to get the insurance accepted.
  • Medical requirements:The travel insurance should cover your emergency medical expenses up to the sum insured without any limitations. This plan also should cover medical evacuation and repatriation.
  • Coverage Area:The travel insurance for Schengen visa should be valid in all the Schengen countries.
  • Total duration:The insurance should be valid for the entire duration of your stay in the Schengen Area. If you are travelling less than 2 weeks, it is recomended that you buy the Schengen travel insurance for minimum of 15 days. It would be nice to enquire before you purchase the insurance to avoid visa rejection.
Along with the above it would also be nice if the plan is easily renewable in case of Schengen visa extension by the traveller.

How to apply for Schengen visa from India

Getting a Schengen visa from India involves several steps and need to satifsy some visa requirements. Here we are providing you a general overview of what you need to know: Follow the step-by-step guide, understand the requirements and ensure a smooth flow process for applying Schengen visa.


  1. Know your Visa Types:There are several types of Schengen visas available for travellers from India visiting Schengen area, depending on the purpose and duration of travel. Here are the main types:
    • Uniform Schengen visa (USV):Schengen visa (C-Type) - The C-type visa is a short stay visa for 90 days. This type of visa is suitable for tourists from India visiting Poland for pleasure, spend holidays and family visit.
    • Single entry visa: Allows entry into the Schengen Area for one continuous stay of up to 90 days within a 180-day period.
    • Double entry visa: Allows two entries into the Schengen Area within the validity period, with each stay not exceeding 90 days within a 180-day period.
    • Multiple entry visa: Allows two entries into the Schengen Area within the validity period, with each stay not exceeding 90 days within a 180-day period.
    • Airport transit Schengen visa (A-Type) - This type of visa permits the travellers to access the international transit area of a Polish airport in order to change flight.
    • National Schengen visa (D-Type) -The D-type visa is a long stay visa suitable for the travellers who are intended to stay for more than 90 days. Travellers who are traveling to Schengen countries from India for work or study reasons or who have plans to stay for longer duration can apply for this visa. These are issued by individual Schengen area countries.
  2. Where to apply :If your stay in one Schengen country for most of your time during your trip, then apply for visa at that consulate/embassy. If your trip includes multiple Schengen countries, then apply at the consulate/embassy of the country where you will enter the Schengen area first.
  3. Documents required :The documents required for a Schengen visa varies depending on the type of visa applied for. Some of the common documents required are
    • Visa form - Duly filled and signed visa application form either online or offline
    • Passport-sized photos
    • Valid passport with validity extended beyond your intended stay. It should also have at least two blank pages to affix the visa.
    • Travel itinerary (flight bookings, accommodation reservations).
    • Travel medical insurance covering each traveller with minimum 30,000 euros. It should also cover medical evacuation and repatriation.
    • Proof of sufficient funds like bank statements, sponsor letter to demonstrate you can support yourself financially during your stay
    • Purpose of visit saying you are visiting for pleasure, business trip, studies or for work.
  4. Submit your Application :You can submit application for Schengen visa online or offline.
  5. Schedule your interview :Pay the required fee and schedule an interview.
  6. Processing time:Once you complete your visa interview successfully, it might take a couple of weeks to get your visa.
  7. Visa granted :Once your visa is approved collect it from the consulate/embassy or visa application center (VAC). Check the visa sticker for accuracy regarding dates and type of visa granted.

Travel Insurance for Schengen Visa: Highlights

Categories Specifications
Number of European Countries 29
Eligibility Aged 3 months to unlimited age.
Visa Duration A single entry / multiple entry Schengen visa allows short stays (up to 90 days) within any 180-day period in the Schengen area
Benefits Medical expenses for sickness and accident, medical evacuation, repatriation, baggage loss, baggage delay, missed flight connection, trip cancellation, trip delay and more
Travel insurance for Schenegn visa mandatory Yes, Minimum 30,000 Euro or 50,000 USD
Covid-19 Covered Yes

Essential Entry Requirements for Schengen Countries: What You Need to Know

Schengen visa is required for several nationalities including Indian citizens. Visa on arrival is not available for Schengen countries. Travel insurance is a mandatory document to obtain Schengen visa. You can check official websites of different destination countries to get more updates.

You need a minimum coverage of EUR 30,000 when traveling from India to one or more Schengen countries. Whether you are visiting for tourism, business or medical treatment you need Schengen visa to enter listed countries.

You must submit your Schengen visa application at least 15 days prior to your planned departure date. However, its prudent to submit 30 to 60 days prior to trip date because in some cases the consulate might ask for additional documents for visa process.

What Does Schengen Travel Insurance Cover for Indian Travelers?

Indian travel insurance policy for Schengen countries provide comprehensive coverage for various situations. Some of the key inclusions are:

  • Loss of Checked-in Baggage
  • Delay of Checked-in Baggage
  • Compassionate Visit for Family Members in Case of Hospitalization
  • Medical Expenses Coverage
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains to India
  • Coverage for Ongoing Medical Treatment in India
  • Daily Hospital Allowances
  • Emergency Dental Treatment
  • Flight Hijacking
  • Trip Delay, Cancellation, and Curtailment
  • Missed Flight Connection
  • Loss of Passport
  • Accidental Death & Permanent/Total Disability
  • Automatic Extension of Policy Period in Case of Emergency Trip Extension
  • Cover for Home Burglary

You can secure your Schengen trip covered with travel insurance with benefits that can meet visa requirement as well as with comprehensive coverage.

What Schengen Travel Insurance Does Not Cover: Common Exclusions

There is extensive coverage under Schengen travel insurance policy. However, there are few exclusions as well under travel insurance. Few common exclusions are:

  • Pre-existing Medical Conditions
  • Hospital Admissions for Routine Check-ups or Diagnosis
  • Medical Expenses Related to Pregnancy
  • Medical Costs for Infertility or Congenital Conditions
  • Congenital Anomalies Known to the Insured at the Time of Policy Purchase
  • Non-Allopathic Treatments
  • Plastic and Cosmetic Surgery
  • Expenses for Contact Lenses, Spectacles, Hearing Aids, and Cosmetic or Corrective Dental Surgeries
  • Costs Incurred Due to Substance Abuse, Self-Inflicted Injuries, STDs, or AIDS/HIV
  • Loss or Damage Due to War, Terrorism, or Civil War
  • Loss or Damage Resulting from Breach of Law
  • Loss or Damage Caused by Hazardous Sports

You must read travel insurance policy details to understand exclusions and ensure you are fully covered for your Schengen trip.

How to Buy Schengen Travel Insurance Online from India: A Simple Guide

It is a prudent decision to buy travel insurance for your Schengen visa. It is quick and easy process to buy travel insurance follow these simple steps to get your Schengen travel insurance policy.

  • Step 1: Using online form on this page you can select Schengen destination and then click on NEXT button.
  • Step 2: You should select number of people traveling with their age. You can add more people depending your group size. Click on the NEXT button.
  • Step 3: Select Start date & end date. Click on the Next button.
  • Step 4: Click on 'View Plans'.
  • Step 5: Select travel insurance that suits your requirement and continue pay online using payment method of your choice.

How much does TATA AIG travel insurance for Schengen visa cost in 2025?

The TATA AIG travel insurance for Schengen visa price ranges between ₹1,183 to ₹2,978 for one month for 25 years old traveler, based on type of plan and policy maximum coverage.

Travelers visiting Europe
Plan Name Policy maximum (US $) Cost for 30 days
Travel Guard Plus Silver $50,000 ₹1,183
Travel Guard Plus Silver Plus $1,00,000 ₹1,391
Travel Guard Plus Gold $2,50,000 ₹1,577
Travel Guard Plus Platinum $5,00,000 ₹1,897
Titanium $7,50,000 ₹2,431
Titanium Plus $1,000,000 ₹2,978

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Frequently asked questions on Schengen visa

Schengen travel insurance is an International travel insurance for Schengen which covers the travellers when they are in the Schengen countries. Use our compare tool to buy the cheapest travel insurance for Schengen visa.

Which is the best travel insurance for Schengen?

There are many leading insurance players in the Indian insurance market who provide excellent travel insurance products for travel to Europe from India. The leading providers are TATA AIG's travel guard, Bajaj Allianz's travel companion, travel elite and travel prime depending on the age, Religare's explore Europe, Reliance's travel care, ICICI Lombard's international travel insurance, Cholamandalam.

The traveler has to choose the plan based on his choice of benefits and premium from schengen travel insurance companies. Few of these companies cover pre-existing medical conditions which is one of the major benefit which the traveler might be looking for. Fill the form to buy schengen visa insurance for Indians traveling to Europe.

Travel insurance must meet specific requirement to be eligible for Schengen Visa. There is a requirement of minimum coverage of EUR 30,000 for incidents such as passport loss, emergency hospitalization, medical evacuation, and other unforeseen circumstances.

Yes, to get your Schengen Visa it is mandatory to purchase travel insurance plan.

With lowest rejection list, Iceland has the highest approval rate among Schengen countries.

A minimum health insurance cover of 30,000 Euros or $50,000 US Dollars without any medical restrictions on the policy coverage is accepted by the Schengen visa. The other requirements are the policy should be valid for the entire duration of the stay in the Schengen countries. The policy should also sufficient cover for medical evacuation and repatriation.

The travel insurance which satisfies Schengen visa is required while you are travelling to Schengen countries.

Schengen insurance should be valid for the entire duration of the travel and stay in the Schengen area.

The policy for obtaining a Schengen visa includes several requirements and guidelines that traveller must adhere to. Some of the requirements to get the visa are purpose of travel, healh insurance cover, duration of travel.

No, gettting the Schengen visa involves certain process flow. Hence it might take 2 to 3 weeks to get the Schengen visa.

There are several insurance companies which provide insurance which is best for a Schengen visa. To name a few insurance company plans are Tata AIG's travel guard plus, Bajaj Allianz's travel ace, travel prime, travel elite and travel companion. Care health insurance plans like travel Europe, travel care plans from Reliance. Use the compare tool above, get free quotes, compare benefits and buy the policy online the best Schengen travel insurance.

Here there are two terms, if you looking at fee to get the Schengen visa, then it depends on factors like type of visa applying for, duration, purpose of visit. Alternatively if you are looking for travel insurance to get the Schengen visa, then the cost of insurance depends on travellers age, travel duration and sum insured.

Yes, in some cases there will be an interview if you applying for Schengen visa.

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