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With Schengen travel insurance, you will not only be eligible to obtain a Schengen visa, but you can also explore the beautiful cities of Italy, Paris or any other Schengen country with confidence, knowing you're financially covered in case of a medical emergency.
As costly as the trip may seem, Digit’s International Travel Insurance is here to help ease your financial worries. You can easily avail yourself of our travel insurance to process your Schengen visa.
Travel Insurance for a Schengen Visa is one policy that covers all 27 countries in the zone. It is mandatory when applying for a Schengen Visa. This ensures hurdle-free travel to all 27 Schengen countries with just one visa rather than multiple visas for each country in the zone.
Yes, travel insurance is mandatory for a Schengen Visa for Indians, and the policy needs to be valid for the entire trip. Visa requirements for all the Schengen countries are practically identical, so owning travel insurance will help process your Schengen Visa without hassle.
A $50,000 Schengen Visa Travel insurance plan from India for four days for one adult starts from ₹515 (excluding GST).
A Schengen visa is a long -or short-term visa that allows you to enter the Schengen zone in the European Union. The Schengen zone comprises 27 countries that follow a standard visa policy. Indian citizens planning to visit Schengen countries must apply for a Schengen Visa.
You can apply for a Schengen visa directly through the VFS Global website or the websites of other relevant application centers. Check out the process below:
The minimum insurance coverage for a Schengen visa from India must be €30,000 (euros). This amount should cover medical expenses, particularly hospitalization, and emergency evacuation, in case you fall sick or have an accident during your visit to the Schengen zone.
Obtaining Schengen Visa travel insurance is essential because it's a mandatory requirement for visa application, ensuring compliance with the stringent procedures set by Schengen countries. Additionally, it offers financial security, safeguarding travelers against unexpected medical expenses, trip cancellations, or emergencies abroad.
The Schengen area consists of 27 countries that cover most of mainland Europe. It was named after a small town in Luxembourg, where the Schengen Agreement treaty was signed in 1985.
The creation of the Schengen area allowed people to move freely by erasing internal borders. This eased travelling to countries within the Schengen zone without border control checks and tedious formalities.
The Schengen area covers most, but not all, of the countries in mainland Europe. The Andorra, Vatican City, and Monaco states are considered de facto inside the Schengen area since they do not implement border controls.
Here’s the complete list of countries that fall under the Schengen zone.
No, Schengen travel insurance is not required for Indian passport holders to visit all European countries. The requirement is specific to the Schengen Area, which consists of 27 European countries that have eliminated border control at their shared borders.
Each Schengen country can have specific conditions for travel insurance. Be sure to check the requirements of the respective country’s embassy or consulate before you travel. Some of the minimum conditions your travel insurance should highlight are:
Yes, getting Schengen travel insurance will help you obtain a Schengen visa; in fact, it is a mandate for Indians. However, you need to meet the other requirements as per the Schengen visa application procedure for visa approval.
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Medical Cover |
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Emergency Accidental Treatment & Evacuation Accidents occur at the most unexpected times. Unfortunately, we can’t save you there, but we can surely help you get the best treatment. We cover you for immediate medical treatment that results in hospitalization. |
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Emergency Medical Treatment & Evacuation God forbid if you fall ill during your trip in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc. |
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Personal Accident We hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support. |
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Daily Cash Allowance (Per day/Max 5 days) When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses. |
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Accidental Death & Disability While this cover has everything like the emergency accidental treatment cover, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or are inside the flight (Touchwood!). |
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Emergency Dental Treatment If you encounter acute pain or meet with an accidental injury to your teeth on the trip, resulting in emergency dental treatment provided by a medical practitioner, we will cover you for the expenses incurred due to the treatment. |
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Smooth transit covers |
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Trip Cancellation If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip. |
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Common Carrier Delay If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked! |
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Delay of Checked-in Baggage Waiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked! |
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Total loss of Checked-in Baggage The last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount. |
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Missed Connection Missed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if, you miss a pre-booked onward flight because of a delay in the flight. |
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Flexible Trip |
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Loss of Passport The worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country. |
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Emergency Cash If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue. |
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Emergency Trip Extension We don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization. |
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Trip Abandonment In case of emergency, If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses. |
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Personal Liability & Bail Bond Due to an unfortunate incident, if there are any legal charges against you while you are travelling, we will pay for it. |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.
To read about the policy in detail please click here.
We believe in transparency; that’s why we want you to be aware of some situations we don’t cover. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
After you buy our international travel insurance for Schengen, you will live tension-free as we have a completely digital claim process! You can get access to VIP claims with Digit in these 3-steps:
Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.
Upload the required documents & your bank details.
We’ll take care of the rest!
You can buy Digit Schengen travel insurance from India through our mobile app or website. Follow the below steps:
Visit Digit's International Travel Insurance Policy page on our website or download our app.
Choose your destination, trip start and end dates, select members and enter date of birth.
Select a plan with your preferred sum insured.
Fill in personal details and nomination details.
Proceed to make the payment, verify your KYC, and receive your final policy documents via WhatsApp, email, SMS, and in the app.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.
The currency in Schengen is the euro (EUR), which has the symbol €. Each euro is divided into 100 cents in 1, 2, 5, 10, 20, and 50 coins. Banknotes are in denominations 5, 10, 20, 50, 100, 200, and 500.
As of 27th August 2024, the currency exchange rates of EUR are as follows:
Note: You cannot use any currencies other than Euro.
The Schengen countries can be visited throughout the year as the temperature ranges between 15 - 30°C from late March to October. However, for a budget trip, it is advisable to avoid the peak shoulder seasons.
Read about the complete application process for Schengen visa and know more about the visa fee, address and contact information of the Schengen embassies and consulates in India along with a detailed list of required documentation.
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