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Travel Insurance for Schengen

Schengen Travel Insurance Guide


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    From the natural allure of the Swiss Alps to the incredible Roman architecture which speaks of an era past, Europe is a treat for visitors. Offering a range of experiences from magical gondola rides to the view from the top of the Eiffel Tower a trip to Europe is more than just a series of checks on your to-do list- it is an experience to treasure. Architectural marvels, food which carries the flavors of history, and much more await you on that much-awaited vacation. So pack your bags, pick the perfect travel insurance for Schengen visa and indulge!


    Is Travel Insurance Mandatory To Visit Europe?


    While travelling, it is mandatory to pick up Schengen travel insurance depending on the type of visa you are applying. Immigration officers check for your travel insurance for Schengen visa before approving a permit.


    List of Countries included in Schengen Area


    An area comprising of 26 European countries/States officially abolished all passport and other types of border control at their borders as part of the Schengen agreement in 1995. A single jurisdiction operates in this area for international travel purposes. They have a common visa policy. Over the years, some countries have imposed additional restrictions in view of recurring terror attacks, and if you are applying for a visa, you will need to identify the one which covers the countries you plan to travel to and procure insurance from India to Europe.

    If you aim to travel to any of the countries mentioned below, you will need to get travel insurance for Europe.

    Europe has a state-of-the-art health care system which is among the best in the world, but availing it can be very expensive. A travel health insurance for Europe is a good option in such a scenario since an insurer can provide aid to the traveler in an emergency. Students, especially those who are travelling to Europe for further studies can benefit significantly from travel insurance for Schengen visa.


    What are the types of Schengen Visa?


    A Schengen visa obtained by any of the Schengen Area member countries gives free movement to the one holding the visa within the whole of Schengen Zone up to its validity and period limitations. The Schengen visa can have different restrictions depending on the Embassy directives.

    The different types of visa to the Schengen region given are:


    • Uniform Schengen Visa: A Uniform Schengen Visa or USV is a permit given to Indian nationals traveling to any of the Schengen Area Member Countries to transit or reside in the desired territory for a certain period of time up to the maximum of 90 days every six-month period starting from the date of entry. It has two types ‘A’ and ‘B’ which is Airport Transit Visa and C is short term visa.


    • Airport transit visa: Airport Transit Visa allows the holder of a visa to travel through the international zone of the Schengen Country Airport without entering the Schengen Area. Airport transit visa is mandatory for the citizens travelling from one non-Schengen state to another non-Schengen state through a change of flights in a Schengen country airport.


    • Single Entry Visa: A single-entry visa allows the holder of the visa to enter the Schengen region only once within the given period as mentioned on the visa sticker on the passport.  Re-entry to the region is not permitted once the holder exits the region.


    • Double Entry Visa: A single-entry visa allows the holder of the visa to enter the Schengen region only twice within the given period as mentioned on the visa sticker on the passport.  Re-entry to the region is permitted only once into the region as per the limitations on the visa.


    • Multiple entry visa: Depending on the frequency of travel to the Schengen region, Indian nationals can get a Multiple Entry visa rule for the region provided they do not violate the 90/180 Schengen Rule. This rule states that one cannot stay in the Schengen for more than 90 days within the 180 days limit. One just has to count 180 days backwards and see if they were in the Schengen region for more than 90 days, before traveling to the region again on the multiple-entry visa.


    • Limited Territorial validity visa: This type of visa obtained allows the holder of the visa to travel to the certain Schengen States specifically mentioned when applying for the visa. The holder cannot travel to any other Schengen country. The first entry and final exit must be the same country as mentioned in the visa.


    • National Visa Type D: This type of visa is granted to those who are to study or work for a limited time in the Schengen area. This can be given as single entry or multiple entry depending on the requirement.  Here are the criteria you must meet to qualify for a multiple entry national visa:
      •  Emergency cases as a medical condition that prevents the individual leave the Schengen Area at the designated time frame.
      •  A professional who is traveling in any of the Schengen countries due to its expertise be it a sportsman, an artist or any other professional of its kind with the purpose of sharing its expertise.
      • An international student who is about to start a full course in any of the Schengen countries. The visa is still issued for a year with a possibility of an extension
      • An international student program will grant a visa for a period of not more than one year.


    Explore International Travel Insurance Plan for Europe


    At Religare Health Insurance, we ensure that you are covered every step of the way with Explore International Travel Insurance. A thoughtfully designed product, Explore offers distinct benefits which make it the best travel insurance for Schengen visa.

    Here are some prominent features of the plan:

    • Comprehensive Travel Insurance plans
    • Innovative features and coverage options
    • Region-specific plans
    • Complete support in Medical and non-medical emergencies
    • The option to apply for a refund if the trip is cut short
    • A free-look period of 15 days for annual policies
    • Multi-trip insurance for frequent flyers
    • Flexible policy duration, with a maximum length of 365 days


    What is covered under Explore International Travel Insurance


    With Explore, we aim to pre-empt anything that may go wrong on your trip to Europe. Here is an overview of the coverage you will receive with Explore International Travel Insurance. Please visit the Travel Explore Section to know more about the Inclusions


    What is not covered under Explore International Travel Insurance


    While the plan covers all your needs for travel insurance for Schengen visa there are some exclusions which apply. Please visit the Travel Explore Section to know more about the Exclusions


    How to select the best travel insurance plan to Europe


    Now that we have covered the important question “do you need travel insurance for Schengen visa,” there are a few critical factors to consider before choosing one? Travel Insurance is a highly customizable product which can be tailor-made to suit individual needs. Here are the essential questions one needs to ask before picking travel insurance for Europe visa.  


    • If the insurance is Schengen Approved?

    While travelling to the Schengen territory, it is essential to cross-check if the travel insurance online for Europe is valid on the VFS website. 

    • What is the nature and frequency of your trip?

    While a once-in-a-lifetime trip needs a single-trip insurance plan, frequent flyers would benefit from picking a travel insurance plan which is annual. Student and senior citizens may choose from plans which keep their needs and budget in mind.

    • What is the duration of your trip likely to be?

    The insurance premium is calculated on the basis of the number of days you plan to spend in any Schengen country in Europe. A shorter trip is sure to have a lower premium

    • What is your medical history like? 

    If you have a pre-existing life-threatening ailment, you will need to ensure that the policy you pick accommodates it. Smokers and Regular drinker usually have a higher premium to pay than non-smoker and drinkers.

    • What is your destination?

    Destinations which are high-risk zones have insurance plans with a higher premium requirement. If you are headed to a country famous for adventure activities, you will need to check if your policy covers any injuries which may be caused because of them


    How to apply for Schengen Visa


    The application procedure for a Schengen Visa is simple and seamless. One needs to gather all the required documents and purchase travel insurance for Europe before proceeding with the application.


    1. Decide on the type of visa as per your individual requirement
    2. Find out where you need to apply- A visa centre to which the embassy of your destination country has outsourced visa submission or the embassy itself.
    3. Find out the best time to apply
    4. Book an appointment for application and document submission at the embassy or visa centre
    5. Fill in the online application form and submit. Take a print-out of the same
    6. Gather the required documents and submit
    7. Attend the visa interview if necessary.
    8. Pay the online visa fee
    9. Wait for your passport to come back


    Travel Tips for Indians visiting Europe


    Travelling to a new country is an exciting adventure. With careful planning and preparation, you can create lasting memories of a visit to Europe. To have a great trip, here are a few things to keep in mind before travelling to Europe


    1. Check the visa requirements of the Schengen country you are travelling to and make sure you comply with those requirements

    2. If you are travelling on a budget, then it is a good idea to go offseason to experience the best of Europe at affordable prices. You can also avoid crowded touristy areas.

    3. Make Reservations in Hotels and any activities that you want to do there in advance. You will not only get great prices, but you will also avoid the last minute rush

    4. Take comfortable shoes to walk everywhere in. Europe has beautiful pathways and parks which are best enjoyed on foot

    5. Travel light as much as possible and carry comfortable clothes to wear depending on the season.

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