Travel Insurance for Schengen Visa

Schengen visa insurance is a mandatory requirement for obtaining a Schengen visa, which allows seamless travel across 29 European countries in the Schengen Zone. This insurance covers expenses like medical emergencies, lost baggage, trip cancellations and other unforeseen events during your trip.

For Indian passport holders, providing proof of travel insurance in Europe or for other Schengen regions is a crucial step in the visa application process. As a part of insurance coverage, Schengen countries require a minimum coverage of €30,000 for medical expenses.

TATA AIG’s Schengen Travel Insurance is a visa-compliant policy, specifically designed to meet these requirements, ensuring your visa application process is smooth and hassle-free.

Features

Benefits

-Visa-Compliant Travel Plan

Fully aligned with Schengen tourist insurance visa requirements, TATA AIG’s travel insurance provides the mandatory minimum coverage of €30,000 for medical emergencies, facilitating seamless visa approval.

-Medical Coverage

Our plan offers prompt financial support for illnesses, accidents, or fatalities during your trip. With coverage up to ₹10 lakhs and no sub-limits on medical claims, you receive full protection for eligible expenses, ensuring unparalleled support in emergencies.

-Baggage Cover

The Schengen travel policy covers delays, theft, loss or misplacement of your baggage, allowing you to travel stress-free even in unforeseen circumstances.

-Journey Cover

Our plans protect against disruptions like flight delays, cancellations, lost passports or trip curtailments, ensuring financial stability throughout your journey.

-COVID-19 Cover

The Europe travel insurance from TATA AIG provides coverage for medical expenses, trip cancellations and refunds for bookings and accommodations if you contract COVID-19, safeguarding your health and finances.

-Competitive Pricing

TATA AIG combines affordability with extensive coverage, offering one of the best travel insurance options without compromising on quality.

-Helpful Add-ons

You can tailor your travel insurance to suit your unique needs with optional coverages such as Cruise, Adventure Sports, Coma Benefits and more. Simply reach out to the TATA AIG Call Centre to effortlessly add these features and create a policy perfectly aligned with your travel plans.

Here are the essential Schengen Visa insurance requirements for Indians:

Also Read: Every Detail About Schengen Visa from India

Online Paperless Policy Issuance
TATA AIG simplifies the process of buying travel insurance with its seamless, paperless online system. You can get your best Travel Insurance for Schengen visa issued in just a few clicks, saving time and effort.

Coverage for COVID-19
In these uncertain times, TATA AIG ensures you are protected with COVID-19 coverage, including medical expenses and quarantine-related costs, so you can travel with confidence.

Automatic Extensions in Case of Emergencies
Unexpected situations like flight cancellations or medical emergencies might extend your stay. TATA AIG’s travel insurance provides automatic extensions to ensure uninterrupted coverage during such scenarios.

Visa Compliant Coverage
TATA AIG travel insurance for Schengen Visa is designed to meet the Schengen visa requirements, including the mandatory €30,000 medical coverage. This ensures a smooth and hassle-free visa approval process.

Affordable and Customisable Plans
TATA AIG offers cost-effective travel insurance plans that can be tailored to your needs, providing comprehensive protection without straining your budget.

You can apply for a Schengen visa only after purchasing travel insurance, either online or offline. While the application deadline is 15 days before your trip, it is advisable to apply at least 30 to 60 days in advance. This allows sufficient time for processing, as embassy or consulate timelines can vary from two weeks to two months.

Buy Schengen Travel Health Insurance from TATA AIG:

Our Schengen travel plans are visa-compliant and, hence, helps you easily meet the €30,000 medical coverage requirement. Here are the simple steps to get your travel policy with us:

• Go to the official TATA AIG website.

• Select your destination and input your travel dates.

• Provide the number of travellers and their ages.

• Based on your inputs, we will suggest suitable plans. Use the ‘Compare’ option to review additional plans and benefits if needed.

• Choose your plan, complete the payment and receive your travel insurance policy directly via email.

At TATA AIG, we are committed to providing excellent service to our customers. To further enhance your experience, we have partnered with Europe Assistance India to handle overseas travel and health insurance for Schengen visa claims.

If you need to file a claim for your TATA AIG’s Schengen Travel Insurance, you can easily get in touch with the new assistance company.

• Claim Servicing Contact Details:
• Call: +91 – 022 68227600
• Email: ea.tataclaims@europ-assistance.in

Our dedicated team is available to assist you with any international claim-related queries, ensuring a smooth and hassle-free claims process.

-Documents Needed to Buy Schengen Travel Insurance

• A valid Indian passport

• Travel dates and destination details

• Personal details of all travellers (age, name, etc.)

• Proof of accommodation during your stay in the Schengen area

• Flight details or itinerary

• Proof of the purpose of travel (tourism, business, study, etc.)

-Documents Needed to Claim Schengen Travel Insurance

• A completed claim form

• A copy of your travel insurance policy

• Medical bills or receipts (if applicable)

• Proof of the incident (e.g., police report, hospital report)

• Passport and visa details

• Flight tickets or itinerary

• Any other supporting documents as per the nature of the claim

• Make sure to keep all relevant documents handy for a smooth claims process.

People often get confused about how many Schengen countries are there. Recently, the list has been updated to 29 countries.

Here are all the countries covered by Schengen visa from India:

-Travel Coverage

• Repatriation of a minor child to the home city if the insured is hospitalised.

• Coverage for a family member’s compassionate visit in case of the insured’s hospitalisation.

• Financial assistance for transportation, including medical care, during travel.

• Compensation for flight delays, cancellations or rescheduling.

• Coverage for misplacement, delay or total/partial loss of checked-in baggage.

• Reimbursement for unrecoverable costs related to passport loss.

• Compensation for paid bookings that bounce during travel.

-Medical Coverage

• Hospitalisation or daycare expenses for accidental injuries or medical emergencies.

• Coverage for OPD medical expenses due to illnesses or injuries.

• Protection for injuries related to adventure sports requiring hospitalisation.

• Compensation for permanent total or partial disability caused by accidents during travel.

• Accidental death coverage during the travel period.

• Costs for transporting mortal remains in case of death due to illness or injury during travel.

• Coverage for COVID-19-related quarantine leading to flight cancellations.

-Legal Coverage

• Financial support for extended stays due to injury, illness or hospitalisation.

• With TATA AIG’s Schengen travel insurance, you can travel worry-free, knowing you are protected against a wide range of unforeseen situations.

-Medical Exclusions

• Costs of elective, cosmetic or plastic surgeries are not covered unless necessitated by an injury caused by a covered accident.

• Coverage does not extend to mental disorders, sexually transmitted diseases (including HIV/AIDS) or pre-existing medical conditions.

• Expenses related to alternative treatments such as Homeopathy, Ayurveda, Unani, or other traditional medicinal practices are excluded.

-Travel-Related Exclusions

• Losses arising from war, civil war, invasions, revolutions, insurrections or other acts of military power or civil unrest are not covered.

• Schengen travel insurance does not cover injuries or damages resulting from adventure sports like scuba diving, paragliding, bungee jumping or river rafting.

• Entering a Schengen country without a valid visa disqualifies you from financial assistance.

• Staying beyond the validity period of your Schengen visa is not covered.

• If the primary purpose of your trip is to seek medical treatment in the Schengen area, coverage is not applicable.

• Travelling to a Schengen country against medical advice or while unfit is excluded from coverage.

• Coverage is not provided if you purchase the insurance after leaving India or if your trip does not conclude in India.

-Legal Exclusions

• Loss, damage or injury due to self-inflicted harm or suicide.

• Loss, damage or injury when under the influence of alcohol or other intoxicating substances.

• Loss, damage or injury during a criminal act.

• Loss, damage or injury during hazardous activities.

Finding the right travel insurance for your Schengen visa is crucial for a safe and stress-free journey. Here are some tips to help you choose the best plan:

-Verify Coverage Requirements

Ensure the policy meets the Schengen visa's mandatory criteria, including a minimum medical coverage of €30,000. Look for comprehensive benefits like medical emergencies, baggage loss, trip cancellations and medical evacuation.

-Compare Plans

Explore multiple options to find a plan that offers extensive coverage, including third-party liability and loss of essential documents like your passport. Comparing plans helps identify the one that best suits your needs.

-Balance Cost and Coverage

While affordability is important, avoid choosing a plan solely based on cost. Cheaper policies may lack essential features. Opt for a policy that provides affordable travel insurance cost for Schengen visa and comprehensive benefits.

-Check Destination Coverage

If your itinerary includes multiple Schengen countries, ensure the policy offers seamless coverage across the entire Schengen Area.

-Understand Exclusions

Read the fine print to know what is not covered, such as pre-existing conditions or high-risk activities. This clarity helps avoid surprises during claims.

-Evaluate the Claim Process

Choose an insurer with a straightforward and efficient claim settlement process. Reliable support during emergencies is critical.

-Read Customer Reviews

Feedback from other travellers can provide insights into the insurer’s service quality and support reliability. Positive reviews indicate trustworthy service.

Schengen Visa Fee for Indians

Also Read: Schengen Visa Fees for Indians

Step 1: Pick the Right Schengen Visa Type

Before you apply for a Schengen visa online, you need to identify the purpose of your visit and select the appropriate Schengen visa type.

Step 2: Identify the Embassy or Consulate

Submit your application to the embassy or consulate of the Schengen country you plan to visit. If visiting multiple countries, apply at the embassy of your primary destination.

Step 3: Pick the Right Application Window

You can apply for a Schengen visa up to six months before your trip, but no later than 15 days prior. To avoid delays, start the process 30-60 days before departure.

Step 4: Schedule an Appointment

Book an appointment with the consulate, embassy or visa centre. Some applications may require an in-person visit, depending on the Schengen country’s rules.

Step 5: Complete the Application Form

Fill out the Schengen visa application form carefully, providing details about your travel purpose, personal background, and other required information.

Step 6: Gather Required Documents

Prepare all necessary documents, including proof of travel insurance, and submit them along with your application. Attend the scheduled visa interview as instructed.

Also Read: Detailed Guide on Applying for a Schengen Visa from India

It is important to keep your Schengen visa documents ready for a hassle-free visa processing process:**

-Valid Passport: Your passport should be valid for at least three months beyond your planned departure date.

-Passport-Sized Photos: Two recent photos that meet Schengen visa specifications.

-Visa Application Form: Completed and duly-signed form based on the Schengen country you are applying to.

-Proof of Accommodation: Hotel bookings, rental agreements or an invitation letter from a host.

-Financial Proof: Recent bank statements, sponsorship letters or proof of income.

-Flight Itinerary: Confirmed round-trip reservation or detailed travel plan

-Travel Insurance: Proof of travel insurance meeting Schengen visa requirements with a minimum coverage of €30,000.

If you wish to know the best time to visit Europe from India, go through this table at a glance below:

-Order Wine from a Florence Wine Window

Step back in time by ordering wine from Florence’s historic buchette del vino (wine windows). These charming relics from the Renaissance era offer a unique way to enjoy and are a must-have in your Schengen visa itinerary. Tuscany’s finest vintages.

-Rent a Car in Iceland and Drive the Golden Circle

Explore Iceland’s breathtaking Golden Circle, featuring the Þingvellir National Park, Geysir geothermal area and Gullfoss waterfall. Renting a car allows you to enjoy the journey at your own pace.

-Go Surfing in Portugal

Catch the waves along Portugal’s stunning coastline, particularly in spots like Ericeira and Nazaré. These beaches are world-famous for their surf-friendly waters.

-Bike Along Amsterdam's Canals

Experience Amsterdam like a local by biking along its picturesque canals. Rent a bike and explore the city’s charming streets, iconic bridges and vibrant neighbourhoods.

-Marvel at Glaciers in Norway

Discover the breathtaking beauty of Norway’s glaciers, particularly in the Svalbard archipelago, nestled deep within the Arctic Circle. Witness the majestic ice formations and serene landscapes, perfect for nature enthusiasts and adventure seekers.

Europe boasts a highly efficient and interconnected transport system, making it easy to explore Schengen countries. The Eurail network is a popular choice, offering seamless train travel across multiple countries with flexible Europe rail pass options.

Train travel in Europe is fast, reliable and ideal for scenic routes. For budget-friendly options, buses like FlixBus connect major cities and towns. In cities, biking is a sustainable and enjoyable way to explore, with dedicated lanes and bike rentals widely available.

Public transport, including metros and trams, ensures easy navigation in urban areas. Plan your route in advance to make the most of Europe’s exceptional travel infrastructure.

Schengen countries offer diverse culinary delights. From casual bites to gourmet meals, the best places to visit in Europe have a food scene that promises an unforgettable experience for every palate.

Here are a few things that you must try:

• In Naples, Italy, savour authentic Neapolitan pizza, which is renowned as the best in the world.
  For a luxurious dining experience, visit Palermo, a Michelin-starred restaurant in Italy, offering exquisite Italian dishes.

• In Prague, enjoy a hearty lunch at Karlin, known for its modern Czech cuisine, or indulge in fine dining at La Degustation, a Michelin-starred gem.

• Do not miss San Sebastian in Spain, famous for its pintxos (small snacks) and numerous Michelin-starred restaurants.

To save money while travelling in Schengen countries, including the cheapest European country for Indian tourists, consider these travel tips:

• Travelling by rail is both affordable and efficient. Buy a Eurail pass for unlimited train travel across multiple countries, which offers great value. 
• Booking tickets for attractions and transportation in advance often results in discounts and avoids long queues.
• Take advantage of free Wi-Fi available in many public places, such as cafes and libraries, to save on roaming charges.
• Shop at local markets for fresh produce and souvenirs instead of expensive tourist spots. By planning ahead, you can enjoy Europe without breaking the bank.

• A completed claim form
• A copy of your travel insurance policy
• Medical bills or receipts (if applicable)
• Proof of the incident (e.g., police report, hospital report)
• Passport and visa details
• Flight tickets or itinerary
• Any other supporting documents as per the nature of the claim
• Make sure to keep all relevant documents handy for a smooth claims process.