General
International Travel Insurance
Premium starting ₹395
100% Claims Settled (FY 23-24)
Senior Marketing Associate
I am a content strategist and writer with 4+ years of experience crafting insightful, SEO-driven content across B2B and B2C industries. With expertise in digital marketing, fintech, and ed-tech, I create well-researched and value-driven content that informs, inspires, and drives impact. Through strategic storytelling and data-backed insights, I aim to make complex topics accessible and engaging, ensuring every piece serves a purpose beyond words.
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Senior Marketing Associate
I am a content strategist and writer with 4+ years of experience crafting insightful, SEO-driven content across B2B and B2C industries. With expertise in digital marketing, fintech, and ed-tech, I create well-researched and value-driven content that informs, inspires, and drives impact. Through strategic storytelling and data-backed insights, I aim to make complex topics accessible and engaging, ensuring every piece serves a purpose beyond words.
Product Head - Abhash Pathak
I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.
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Product Head - Abhash Pathak
I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.
Travel Insurance for Schengen Visa from India Online, Starting ₹515
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.
Table of Contents
What is Schengen Visa Travel Insurance?
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.
Is Travel Insurance Mandatory for Schengen Visa?
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.
What is the Cost of Travel Insurance for a Schengen Visa from India?
A $50,000 Schengen Visa Travel insurance plan from India for four days for one adult starts from ₹515 (excluding GST).
Schengen Visa for Indian Passport Holders
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.
Different Types of Schengen Visa
Tourist Schengen Visa
Purpose: For short-term visits to the Schengen area for tourism, leisure, or visiting family and friends.
Validity & Duration: Valid for a maximum of 90 days within a 180-day period
Standard Visa Fee*: €80 or ₹7243
Business Schengen Visa
Purpose: For business meetings, conferences, and other short-term professional activities.
Validity & Duration: Valid for a maximum of 90 days within a 180-day period
Standard Visa Fee*: €80 or ₹7243
Student
Purpose: For individuals enrolling in a full-time study program at a recognised institution within the Schengen Area.
Validity & Duration: Valid for up to 90 days within a 180-day period
*For a longer period, apply for a Long-Stay Study Visa
Standard Visa Fee*: €80 or ₹7243
Transit Schengen Visa
Purpose:
- Airport Transit Visa (Type A): For passing through a Schengen airport's international transit area.
- Short-Term Visa (Type C): Includes single-entry, double-entry, and multiple-entry options.
- National Long-Stay Visa (Type D): Issued by individual Schengen countries for work, study, or family reunification.
- Limited Territorial Validity Visa (LTV): Allows entry to specific Schengen countries only, not the entire area. Issued for special cases.
Validity & Duration:
- Type A – For 24 hours.
- Type C – Up to 90 days within a 180-day period
- Type D – Up to 1 year
- LTV – Up to 90 days within a 180-day period
Standard Visa Fee*: €80 or ₹7243
How Can I Apply for a Schengen Visa from India?
Pick Your Schengen Country & Embassy
Choose your main Schengen destination, either where you’ll stay the longest or enter first. Then apply at its consulate, or at the consulate of the country representing it if it has no embassy in India.
Check and Confirm the Visa Type
Go to the official embassy or VFS Global website to check if you need a visa and confirm the visa type based on your travel details.
Fill the Application Form
Once that’s clear, fill out the Schengen visa application form online as per your travel purpose, be it tourism, business, or study. After filling it out, download or print a copy as you’ll need it for your appointment.
Book a Schengen Visa Appointment
Book your visa appointment through the VFS Global site or the embassy’s official portal. This is where you’ll pick a date and time to submit your documents and complete your biometric registration.
Visit the Application Centre
Finally, visit the application centre on your scheduled date. Submit your documents, pay the visa fee, and provide your fingerprints and photo. Once this is done, your application will be processed.
Documents Required for Schengen Travel Insurance
Schengen Visa Application
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Thoroughly filled out and signed the Schengen visa application form.
Passport
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Valid passport (minimum three months validity, two blank pages)
Passport Photos
Travel Medical Insurance
Accomodation
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Proof of accommodation
Funds
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Proof of sufficient funds
Employment
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Proof of employment
Flight Itinerary
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Flight itinerary
Business Letter
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Business letter (if applicable)
Cover Letter
What is the Minimum Insurance Coverage Required for a Schengen Visa?
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.
Why Do You Need Schengen Visa Travel Insurance?
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.
What our Travel Product Expert has to say about the How Travel Insurance Helps You in Medical Emergency Abroad?
Consider the case of an Indian traveller who suffered a severe medical condition while vacationing in Europe. Without travel insurance, the family faced overwhelming medical bills and logistical challenges. This situation underscores the importance of having a policy that covers medical expenses and emergency evacuations during international trips.
Vivek Chaturvedi
CMO Digit Insurance
How Many Countries Are Part of the Schengen Region?
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.
Do You Need Schengen Travel Insurance from India for All European Countries?
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.
What are the Requirements for Schengen Visa Travel Insurance?
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:
- Minimum €30,000 of medical coverage for an individual.
- Full coverage of the Schengen zone under the applied policy.
- The policy must cover any other unforeseen expenses, such as medical or emergency hospital treatment or death, such as repatriation for medical reasons.
- Validity of the policy covers the duration of the stay.
Will I Get a Schengen Visa If I Obtain a Travel Insurance from India?
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.
What’s Great About International Travel Insurance for Schengen Visa by Digit?
What Our Customers Have to Say About Us
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Schengen Visa Travel Insurance Plans That Fit Your Needs
Double Secure
This plan offers coverage for the most common mishaps that can be encountered on an international trip.
Double Secure Plus
This plan not only covers you for the most common mishaps on your trip but also comes with an extra layer of protection that keeps you protected from each hiccup, so your trip goes just how it should!
Double Secure
Double Secure Plus
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Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and need emergency hospitalisation to save your life or relieve acute pain, we will cover:
(Up to the sum insured as shown in your policy)
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Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover:
(Up to the sum insured as per your policy) |
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Personal Accident If you suffer an accidental injury that directly causes:
We’ll pay compensation as per your policy limits. |
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Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in:
(Compensation as per policy limits) |
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Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits. |
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Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to:
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Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn. |
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Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms). |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy. |
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Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases. |
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Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination. |
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Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you:
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Trip Abandonment If you have to cut short your trip or return early, we’ll cover:
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Trip Extension If your return is unexpectedly delayed, we’ll reimburse:
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Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy. |
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Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed). |
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Other Coverages |
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All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation. |
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Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse:
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Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover:
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Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you:
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Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip.
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Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip:
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Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse:
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Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will:
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Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided:
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Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy. |
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Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer. |
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Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit. |
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Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes:
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Escort Of Minor Child If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end). |
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Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation. |
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Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for:
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Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover:
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Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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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 coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
What's Not Covered in the Schengen Visa Travel Insurance by Digit?
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:
- Diseases or illnesses that have already been diagnosed (pre-existing diseases) or if your doctor has already recommended no traveling.
- Death or disability won’t be covered after 365 days of the accident that has caused it.
- Only one-day adventure sports are covered. This doesn’t include weeklong treks, hikes or professional-level adventure sports that go on for more than a day.
- Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
- The delay in checking-in luggage is not covered if the delay is due to customs.
- Any missed connection where the time gap between an incoming flight's scheduled arrival and the connecting flight's scheduled departure was less than the time required.
- Thefts won’t be covered if the respective police aren't notified within 24 hours.
- Trip extensions due to childbirth or related matters can’t be covered.
- Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
- Trip cancellations due to rejection of visa are not covered.
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How to Buy Travel Insurance for Schengen Visa with Digit?
You can buy Digit Schengen travel insurance from India through our mobile app or website. Follow the below steps:
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
With us, get access to VIP claims
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:
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank details.
Step 3
We’ll take care of the rest!
Why Choose Digit for Schengen Travel Insurance Policy from India?
- Engage in Exciting Adventure Sports Without Worries - You can enjoy adventure sports that last less than 24 hours continuously, provided you participate in a non-professional capacity and under the supervision of a trained professional, during your trip because this cover provides protection if things go wrong.
- Medical treatment and evacuation exigencies - It is a cover for unexpected emergencies requiring hospitalisation due to an illness or acute pain. We will pay reasonable charges as mentioned in your policy.
- Loss of Passport, Driving License and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, and it stops you from continuing your trip. Then we'll cover costs incurred in the issuance of an emergency certificate or duplicate passport so that you can get back on enjoying your trip.
- Accidental Treatment and Evacuation Exigencies - If you meet with an accident during your trip, resulting in hospitalization, the cost of treatment will be covered. We will pay reasonable and customary charges as mentioned in the policy.
- Receive Compensation for Lost/Stolen Baggage - In case of luggage delay or theft in transit, we will compensate you after deducting depreciation.
- Hijack Distress Allowance - In case your trip gets interrupted because the common carrier is hijacked, we'll pay you for each day of the hijacking, up to the amount mentioned in your policy.
- Emergency dental treatment - provided by a dentist during your trip, due to an accidental injury or acute pain in your natural teeth is covered up to the limits shown on your policy schedule.
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.
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We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand
What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.
Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.
We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.
Which Factors Affect the Premium of Schengen Travel Insurance?
- Trip Duration: Generally, longer trips come with a higher premium. The reason is that the insurance company might assume a greater risk of you needing medical attention during an extended stay.
- Trip Destination(s): Travel insurance coverage premiums can vary according to high and low-risk destinations. Travelling to a nation with a greater likelihood of unfavourable events occurring will increase the cost of the premium.
- Traveler’s Age: For older people, the statistical likelihood of needing medical attention increases. This can lead to a higher premium for senior travelers.
- Pre-existing Medical Conditions of the Traveller: If you have any pre-existing medical conditions, you might need to pay extra for coverage or even be excluded from certain plans altogether.
- Sum Insured: The higher the maximum amount your insurance covers for medical expenses, trip cancellations, etc., the higher the premium will be.
- Deductible: A deductible is the amount you pay upfront before the insurance kicks in. Choosing a higher deductible typically means lower insurance premiums, but it also indicates you'll shoulder more of the cost if you need to make a claim.
- Optional Add-Ons: Some plans offer additional coverage for specific activities like adventure sports or gadget protection. These add-ons can increase the premium.
- Reputation and Coverage: Different insurance companies offer different levels of coverage and have varying pricing structures. It's important to compare plans and providers to find one that meets your needs and budget.
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What is Schengen’s Official Currency?
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.
When is the Best Time to Visit Schengen Countries?
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.
Safety Tips When Travelling to Schengen Countries
- Be aware of petty crimes like pickpocketing and bag or purse snatching.
- When you are looking for hotel accommodation, always use the official website of the same.
- Follow the country's current health guidelines before traveling to different parts of the country.
- Ensure optimum safety while in restaurants and food joints. Do not accept drinks or food from strangers.
- Do check the prices of the food before ordering to avoid overpaying.
- Refrain from carrying pieces of jewelry, large amounts of cash, and other valuables in public or crowded places.
- Make sure to have a travel insurance policy.
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