🛡️ Best Travel Insurance for Schengen Visa (Indians, 2026 Guide)
Traveling to Europe on a Schengen Visa?
Travel insurance is mandatory for all Schengen Visa applications, and having the right policy not only ensures visa approval but also provides critical financial protection abroad.
This guide explains:
✔ Requirements for Schengen Visa insurance
✔ Best insurance providers for Indians
✔ Coverage & features to look for
✔ Cost estimates
✔ FAQs and tips
📌 Why Travel Insurance is Mandatory for Schengen Visa
Schengen visa rules require:
✔ Minimum coverage of €30,000
✔ Coverage valid in all Schengen member states
✔ Emergency medical + repatriation coverage
Without valid insurance, your Schengen visa application will be rejected.
🏆 Top Travel Insurance Providers for Schengen Visa (Indians)
Here are the most reliable and widely accepted insurance providers for Schengen visa applications:
1️⃣ Tata AIG Schengen Travel Insurance
✔ Accepted by all Schengen embassies
✔ Medical + evacuation + baggage cover
✔ 24/7 assistance
Why it’s good
- Good claim support
- Competitive pricing
- Official embassy preferred
2️⃣ ICICI Lombard Travel Insurance
✔ Strong global cashless network
✔ Covers trip cancellations
✔ Good for family plans
Perks
- Schengen compliant
- Multiple benefit features
3️⃣ Bajaj Allianz Travel Insurance
✔ Schengen visa compliant policy
✔ Add-ons like trip delay, loss of passport
Good for
- Comprehensive Schengen applications
- Optional extras
4️⃣ Care Health Travel Insurance
✔ Affordable for short stays
✔ Standard Schengen coverage
✔ Quick online purchase
Best for
- Budget travelers
5️⃣ Reliance Travel Insurance
✔ Easy online portal
✔ Good customer support
✔ Schengen compliant
Recommended for
- Simpler claim process
🧠 What Must a Schengen Visa Insurance Policy Include
To be accepted during visa processing, a policy must have:
✔ Minimum coverage of €30,000
✔ Emergency medical + hospitalization
✔ Emergency evacuation & repatriation
✔ Valid for the entire Schengen zone
✔ Valid for full duration of stay
💰 Cost of Schengen Travel Insurance (Approx India)
| Duration | Approx Cost (INR) |
|---|---|
| 7–10 days | ₹800 – ₹1,500 |
| 15–20 days | ₹1,500 – ₹2,800 |
| 30 days | ₹2,800 – ₹4,500 |
Costs vary based on provider, age, coverage levels.
🧳 What Schengen Insurance Covers (Typical)
✔ Emergency medical costs
✔ Hospitalization
✔ Ambulance & repatriation
✔ Trip interruption
✔ Loss of baggage
✔ Personal accident
✔ Passport loss assistance
📅 When to Buy Your Schengen Insurance
✔ Buy it before submitting visa application
✔ Insurance must cover entire trip dates
✔ Keep a printed copy for visa interview
❓ Frequently Asked Questions (FAQ)
1. Is Schengen travel insurance mandatory for visa?
Yes — all Schengen embassies require it.
2. What minimum coverage is required?
At least €30,000 covering medical + repatriation.
3. Can I use regular health insurance?
No — only travel insurance with specified minimum and zone coverage.
4. Does Schengen insurance cover COVID-19?
Many policies include it — check details before buying.
5. Can I buy insurance after booking the visa appointment?
Yes, but it must cover the full trip and visa validity dates.
📌 Disclaimer
This article is for informational purposes only. Actual policy terms and coverage may vary. Always read the policy wording or consult a licensed insurance professional.