Buy Schengen Visa Travel Insurance Online

Instant Policy, No Medical Check-ups

Buy Travel Insurance for Schengen Visa from India Online

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 Schengen Visa is one policy that covers all 27 countries in the zone. Travel Insurance 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 a Schengen Visa?

Yes, it is mandatory to have travel insurance for a Schengen visa, and the policy needs to be valid for your entire stay during your 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 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 hospitalisation 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 travellers against unexpected medical expenses, trip cancellations, or emergencies abroad.

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.

S.No. Schengen Countries
1 Austria
2 Lithuania
3 France
4 Slovenia
5 Norway
6 Estonia
7 Malta
8 Portugal
9 Slovakia
10 Spain
11 Belgium
12 Czech Republic
13 Greece
14 Luxembourg
15 Switzerland
16 Germany
17 Liechtenstein
18 Italy
19 Denmark
20 Netherlands
21 Iceland
22 Poland
23 Latvia
24 Hungary
25 Croatia
26 Finland
27 Sweden

Do I 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 are the Benefits of a Schengen Visa Travel Insurance?

  • Financial Security in Medical Emergencies: Schengen insurance covers the medical costs, from doctor visits and medication to hospitalization or even emergency evacuation. This real-time financial support eliminates the burden of unexpected medical expenses. 

  • Protection from Travel Disruptions: Suppose your flight or other travel arrangements are significantly delayed or cancelled due to a covered reason (like bad weather or natural disaster). In that case, your travel insurance for a Schengen visa may reimburse you for additional expenses incurred, such as meals or overnight stays.

  • Assistance with Lost or Stolen Belongings: If your luggage or documents are lost or stolen, your insurance may compensate you for the value of your belongings up to a specific limit outlined in the policy. This can help replace essential items and ease the burden of lost belongings.

  • Accidental Damage Coverage: Accidents can happen. In case you accidentally damage property or injure someone during your trip, Schengen insurance may cover the legal liability costs. This safeguards you from unexpected financial repercussions.

What’s Great about Schengen Travel Insurance by Digit?

Zero Deductibles - You don’t pay anything at all when you make a claim – it’s all on us. 

Adventure Sports Covered - Our coverage includes activities such as scuba diving, bungee jumping & skydiving (provided the duration is one day)

Immediate Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed for more than 6 hours, we give you an immediate compensation of ₹500-1000.

Smartphone-enabled Processes - No paperwork, no running around. Just upload your documents when you make a claim.

Missed-call Facility - Give us a missed call at +91-7303470000, and we’ll call you back in 10 minutes. No more international calling charges!

Worldwide Support - We’ve partnered with the world’s largest health & travel insurance network, Allianz, to support you seamlessly across the globe. T&C apply*

How to Buy Schengen Travel Insurance Online?

You can buy Digit Schengen travel insurance from India through our mobile app or website. Follow the below steps:

Step 1

Visit Digit's International Travel Insurance Policy page on our website or download our app.

Step 2

Choose your destination, trip start and end dates, select members and enter date of birth.

Step 3

Select a plan with your preferred sum insured.

Step 4

Fill in personal details and nomination details.

Step 5

Proceed to make the payment, verify your KYC, and receive your final policy documents via WhatsApp, email, SMS, and in the app.

How Does Digit Travel Insurance for Schengen Visa Fit Your Needs?

Basic Option Offers coverage for the most common mishaps that can be encountered on an international trip.
Comfort Option This plan not only covers you for the most common mishaps on your trip but also keeps you protected from each hiccup so your trip goes just how it should!

Basic Option Comfort Option

Medical Cover

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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!).

 		× ✔

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.

 		× ✔

Smooth transit covers

 		× ✔

Trip Cancellation

If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip.

 		× ✔

Common Carrier Delay

If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked!

 		× ✔

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!

 		× ✔

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.

 		× ✔

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.

 		× ✔

Flexible Trip

 		× ✔

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.

 		× ✔

Emergency Cash

If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔
Get Quote Get Quote

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:

  • Diseases or illnesses that have already been diagnosed (pre-existing diseases) or if your doctor has already recommended no travelling.
  • 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.

How to File a Travel Insurance Claim?

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 at +91-7303470000 & 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!

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.

  • Traveller’s Age: For older people, the statistical likelihood of needing medical attention increases. This can lead to a higher premium for senior travellers.

  • 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. 

Different Types of Schengen Visa

Visa Type Purpose Validity & Duration Standard Visa Fee*
Tourist Schengen Visa For short-term visits to the Schengen area for tourism, leisure, or visiting family and friends. Valid for a maximum of 90 days within a 180-day period €80 or ₹7243
Business Schengen Visa For business meetings, conferences, and other short-term professional activities. Valid for a maximum of 90 days within a 180-day period €80 or ₹7243
Student Schengen Visa For individuals enrolling in a full-time study program at a recognised institution within the Schengen Area. Valid for up to 90 days within a 180-day period

*For a longer period, apply for a Long-Stay Study Visa		 €80 or ₹7243
Transit Schengen Visa 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.

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

 €80 or ₹7243

How Can I Apply for a Schengen Visa from India?

You can apply for a Schengen visa directly through the VFS Global website or the websites of other relevant application centres. Check out the process below: 

  • Step 1: Identify your destination country
  • Step 2: Visit the website of the application centre of that country.
  • Step 3: Check if you require a visa and select the visa type.
  • Step 4: Complete the visa application form online.
  • Step 5: Gather all your necessary documents.
  • Step 6: Book an appointment for document verification and biometric registration.
  • Step 7: Submit documents, settle visa application fees, and provide biometric information.
  • Step 8: Wait for processing, typically takes up to 15 days.
  • Step 9: Check your status on the online portal or contact VFS Global.
  • Step 10: Collect your passport at the VFS centre.

Important Documents Required for Visa Application

  1. Thoroughly filled out and signed Schengen visa application form. 
  2. Valid passport (minimum 3 months validity, 2 blank pages)
  3. Two recent passport photos (white background)
  4. Travel medical insurance (€30,000 coverage)
  5. Proof of accommodation
  6. Proof of sufficient funds
  7. Proof of employment
  8. Flight itinerary
  9. Business letter (if applicable)
  10. Cover letter explaining trip details​  

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.

Season Months Approx. Temperature Best Countries to Visit
Summer June-August 20°C - 30°C France, Italy, Spain, Greece, Croatia, Portugal (Beach destinations)
Spring April-May 15°C - 20°C Netherlands, Belgium, Germany (For blooming flowers)
Autumn September-October 15°C - 20°C Italy (Tuscany), Czech Republic, Hungary (For comfortable exploration)
Winter December-February 0°C - 10°C Germany (Christmas markets), Austria (Skiing), Iceland (Northern Lights)

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.

FAQs about Schengen Visa Travel Insurance

What if I plan to extend my trip beyond my original Schengen visa?

Extending your stay in the Schengen Area beyond your visa validity is a serious offence. You could face fines or even deportation. It's crucial to contact the local immigration authorities in the country you're currently in to inquire about the possibility of a visa extension well before your visa expires.

What should I do if I have a medical issue while in the Schengen Area?

If you have a medical emergency, seek immediate medical attention. Most Schengen countries have emergency phone numbers, typically 112. 

Also, contact your travel insurance provider's emergency assistance hotline as soon as possible. They can guide you through the claims process and help you locate English-speaking medical professionals.

Remember to save all receipts and medical documents related to your treatment, as these will be necessary when filing a claim.

How can I get the cheapest travel insurance for Schengen visa?

You can select a Schengen travel insurance within your budget by following these tips:

  • Compare Quotes: Obtain quotes from multiple travel insurance companies. Prices can vary significantly.
  • Focus on Coverage Needs: Choose a plan that meets the minimum Schengen visa requirements (€30,000 medical coverage) and offers the level of protection you need for your trip without unnecessary extras.
  • Consider Deductible: A higher deductible can lower your premium, but you'll be responsible for covering more costs upfront if you need to make a claim.

Does Schengen travel insurance provide coverage for countries outside the Schengen Area?

No, Schengen travel insurance is specific to the Schengen Area, consisting of 27 European countries. 

Can I get a refund on my Schengen travel insurance if my visa application is rejected?

This depends on the specific terms and conditions of your travel insurance policy. Some companies might offer a cancellation benefit that allows you to claim a partial refund if your visa application is denied. It's important to read the policy details carefully before purchasing.

Can business travellers buy Schengen travel insurance?

Yes, business travellers can and should purchase Schengen travel insurance, as it provides medical and other coverage specific to the Schengen Area.

Are European travel insurance and Schengen travel insurance the same?

No, not necessarily. Europe travel insurance might offer broader coverage for all of Europe. In contrast, Schengen travel insurance is specifically designed to meet the requirements for obtaining a Schengen visa and covers medical emergencies within the Schengen zone.

Can I get a Schengen visa without travel insurance?

No, travel insurance is a mandatory requirement for Schengen visa applications.

What are the reasons for Schengen visa rejection?

There can be various reasons for a Schengen visa rejection. Some common reasons include:

  • Incomplete or inaccurate application forms
  • Lack of sufficient financial resources for your stay
  • Inadequate travel documents or itinerary
  • Incomplete proof of accommodation
  • Previous visa violations

Is Schengen tourist insurance the same as Schengen travel insurance?

Yes, Schengen tourist insurance and Schengen travel insurance are essentially the same thing. The terms are used interchangeably. Both terms refer to travel insurance plans specifically designed to meet the visa application requirements for countries within the Schengen Area.

What is the best travel insurance for a Schengen visa?

The ‘best’ depends on your trip requirement. You can choose the Schengen travel insurance that best fit your requirements and budget by following below steps:

  • Exploring different Schengen visa travel insurance plans available in India
  • Comparing quotes, coverage, and pricing
  • Understanding what is and isn't covered, any exclusions, and the claims process.  

Digit Insurance offers two plan options with different coverage levels and deductibles. Visit Digit’s website or contact at 1800-258-5956 to discuss your trip and get a personalized recommendation.

When should I start my travel insurance?

It's best to get your Schengen visa travel insurance as early in the visa application process as possible. 

Can I buy travel insurance after departure?

No, in most cases you cannot purchase Schengen travel insurance after you've already departed for your trip.  Many travel insurance plans, especially those with trip cancellation benefits, have a condition that you must purchase the insurance before the start of your trip (typically your departure date).

How much does Schengen Visa travel insurance cost?

The cost of Schengen visa travel insurance can fluctuate based on factors like trip length, age, destination, and coverage level. 

Digit Insurance offers Schengen visa travel insurance coverage of up to $100,000 with ‘Comfort’ plan that costs only ₹481 for one person for a week, offering competitive pricing. For Indian citizens going on short-term trips, the basic plan starts at a very affordable ₹257 for an individual for a 7-day trip.

What are the main coverages in Schengen Visa travel insurance?

Digit’s Schengen visa travel insurance mainly covers:

  1. Personal accident

  2. Loss of passport

  3. Trip cancellation

  4. Trip abandonment

  5. Missed connection

  6. Common carrier delay

  7. Financial emergency cash 

  8. Emergency dental treatment

  9. Emergency trip extension

  10. Delay of checked-in baggage

  11. Personal liability & bail bond

  12. Total loss of checked-in baggage

  13. Daily cash allowance (per day/max 5 days)

  14. Emergency medical treatment and evacuation

  15. Emergency accidental treatment and evacuation 

  16. Accidental death and disability (common carrier).

Please read the policy document carefully to understand the coverage in detail.

What is the minimum bank balance required for a Schengen visa?

There is no single minimum bank balance requirement for a Schengen visa. Embassies and consulates will assess your financial situation based on various documents, including:

  • Bank statements for the past few months
  • Proof of employment and income
  • Proof of sufficient funds to cover your stay (e.g., hotel reservations, prepaid tours)

Can business travellers also buy the same policy?

Yes, business travellers can typically purchase the same Schengen travel insurance policies as tourists.

What is the eligibility to apply for a Schengen visa?

Eligibility requirements can vary depending on your nationality and the Schengen country you're applying to. However, some general eligibility criteria include:

  1. A valid passport with at least 6 months validity beyond your intended stay.
  2. Completed visa application form.
  3. Two recent passport-sized photos.
  4. Proof of travel insurance meeting the minimum requirements.
  5. Proof of accommodation for your stay.
  6. Proof of sufficient financial resources.
  7. Round-trip flight tickets or other proof of onward travel.

Do I need multiple travel insurance for multiple entry visa?

Depending on your trip duration, you need to obtain your Schengen travel insurance. Typically, for a multiple-entry Schengen visa, you can go for a multi-trip travel policy or can go for multiple single-trip policies. You just need to ensure that these are compliant with your duration of stay in the Schengen area.

How much time does it take to get a Schengen visa?

Processing times for Schengen visas generally takes around 15 working days, but it could be longer in some cases.

If my Schengen visa travel insurance is not as per the requirement, will they cancel the visa?

Yes, your visa application could be rejected if your travel insurance does not meet the minimum coverage requirements set by the Schengen country you're applying to.

What’s the minimum SI (Sum Insured) required for Schengen visa?

The minimum required Sum Insured (SI) for an individual for Schengen travel insurance is €30,000 (subject to change). This means the insurance policy should cover at least €30,000 in medical expenses.

How long should the Schengen Travel Insurance be valid for?

Your Schengen Travel Insurance should be valid for the entirety of your trip, including the day you arrive and the day you depart the Schengen Area.

Does Schengen Travel Insurance cover pre-existing medical conditions?

Schengen Visa travel insurance typically does not cover pre-existing medical conditions. These plans are designed to cover unexpected medical emergencies that arise during your trip. However, some insurers might offer optional add-on coverage for pre-existing conditions for an additional premium.

Can I buy Schengen Travel Insurance after arriving in Schengen country?

No, you cannot buy travel insurance for your Schengen visa after arriving in Schengen country as it is required at the time of visa application process in India.

Does Schengen travel insurance cover adventure sports and high-risk activities?

If you plan to participate in such activities during your trip, you might need to purchase additional coverage, or a specific travel insurance plan designed for adventure travel.