What is Schengen Travel Insurance

Here, we will see ‘what does Schengen travel insurance cover’ and ‘what does Schengen travel insurance not cover’:

-Inclusions of Schengen Travel Insurance

• Covers emergency medical treatment, hospitalisation and accidental injuries with an unlimited sum insured, up to a maximum liability of $1,000,000*.

• Coverage for pre-existing diseases (PED) is available for up to $20,000*.

• Compensation of up to $500* for lost or delayed baggage.

• Covers the cost of obtaining a replacement passport for up to $500*.

• Covers the return fare for a spouse, child or an immediate family member in case of an emergency. Stay expenses for the insured’s family are covered up to $5,000*.

-Exclusions of Schengen Travel Insurance

• Pre-existing medical conditions are not covered

• Travel against a doctor’s advice is not covered

• Loss of passport due to negligence is not covered

• Injuries due to alcohol, drugs or self-inflicted harm are excluded

• No coverage for war, nuclear attacks or related events

Follow these simple steps to buy Schengen travel insurance online with TATA AIG:

• Visit the TATA AIG website and go to the “Travel Insurance” page.

• Select your travel purpose, and enter your destination(s) and travel dates. Next, enter your date of birth, mobile number and any additional travel companions.

• Click “See Plans” and choose any of the 3 plan options. You can also compare plan benefits and view their premium break-ups.

• Click “Proceed to Add-ons” and select any add-ons you require. Click “Continue”.

• Enter your KYC details and Click “Pay”. Once your payment has been processed, you will receive your Schengen travel health insurance via email.

Step to Online Schengen Travel Insurance Claim Intimation

• Visit the TATA AIG Claim Page and click “Initiate Claim” within 7 days (24 hours for theft/robbery).

• Select “Travel”, enter your policy number and click “Next”.

• Submit the claim form and documents within 30 days.

• Your claim will be reviewed, and the refund will be processed within 30 days.

Contact Information to Claim Schengen Travel Insurance

• International Claims: Phone: +91-022 68227600

• Email: EA.TATAclaims@europ-assistance.in

• India Claims: Phone: 1800 266 7780 / 1800 22 9966 (Senior Citizens)

• Email: general.claims@tataaig.com

-Paperless Policies with Competitive Prices

Get the cheapest travel insurance for a Schengen visa on our website at just ₹24.8 per day#. No pre-policy health check-ups are required. Enjoy your trip with our paperless policies.

-Refunds on Visa Rejections and Flight Cancellations

Instant claim settlements for flight cancellations and delays under the best travel insurance for Schengen countries. We also cover visa rejections and offer a refund on visa fees paid.

-Global Medical Coverage With No Sub-limits

Get Hospitalisation, Day Care Treatment and OPD treatment coverage for all 29 Schengen zone countries with no sub-limits. COVID-19 hospitalisations and quarantine are also covered.

-Additional Coverage Bundles

Get add-on coverage bundles for cruises, adventure sports, permanent disability and frequent flyers under Schengen travel insurance online for a Schengen visa.

Steps to Apply for a Schengen Countries Visa from India

Step 1: Visit the visa portal of your Schengen destination country or the authorised VFS Global
website.

Step 2: Select the appropriate visa category and complete the Schengen visa application form online or in person.

Step 3: Make the required payment and schedule an appointment at the nearest embassy, consulate or VFS visa application centre (VAC).

Step 4: Visit the designated centre with your application and supporting documents to submit your biometrics.

Step 5: Once your application is processed and approved, your passport with the visa for Schengen country will be dispatched to your registered address or available for in-person collection.

-Schengen Visa Processing Time

Schengen visa applications are typically processed within 15 days, but during peak seasons, it may take up to 30 days. In complex cases or if there is a backlog, processing can extend to 60 days. To avoid delays, it’s best to apply well in advance.

-Common Reasons for Visa Rejection

• Expired or damaged passports that do not meet validity requirements.

• Incomplete paperwork leading to application rejection.

• Inability to prove financial stability for the trip.

• Non-compliance with the mandatory travel insurance with EUR 30,000 coverage.

• Lack of clarity on the reason for visiting.

• Past criminal records that raise concerns.

• Providing fraudulent hotel and flight reservation details.

-Also Read: How to Find the Best Travel Insurance Plan

-Airport Transit Visa (Type A): This is one of the primary Schengen visa types and is required for travellers who need to pass through a Schengen airport without entering the region. It is valid for 24 hours and does not allow access beyond the airport's international transit zone.

-Short-Term Visa (Type C): This visa permits travel across Schengen countries for up to 90 days within 180 days. It can be issued as a single, double or multiple-entry visa, depending on the traveller's needs.

-Limited Territorial Validity Visa (LTV): This Schengen visa allows travel only within the Schengen country that issued it or specific countries mentioned in the application. It is valid for up to 90 days but does not grant access to all Schengen nations.

-National Long-Stay Visa (Type D): This visa for Schengen countries is issued for long-term stays exceeding 90 days for purposes like work, study or family reunification. Rules vary depending on the issuing country, and it may allow movement within the Schengen area under specific conditions.

-Also Read: Schengen Visa Fees for Indians

To avoid delays and rejections, you need to be careful while collating the Schengen countries visa documents.

Here is a simple list of documents required for Schengen visa from India:

• Valid Indian passport, with minimum 6 months validity and 2 blank pages.

• Confirmed flight tickets and itinerary.

• Schengen travel medical insurance with minimum medical coverage of EUR 30,000.

• Proof of accommodation like hotel bookings, rental agreements or an invitation letter from a host.

• Proof of finances like bank statements, payslips or sponsorship letters and proof of employment.

• Additional Schengen visa documents depending on your travel purpose, visa type and destination country.

-Austria: This picturesque country is famous for its breathtaking Alpine landscapes, historic cities like Vienna and Salzburg and rich cultural heritage.

-Belgium: Famous for its medieval towns, the European Union headquarters and delicious chocolates and waffles, Belgium is a delight for travel lovers.

-Bulgaria: A blend of ancient history and stunning Black Sea beaches, offering affordable travel experiences, Bulgaria is a traveller's paradise.

-Croatia: This Schengen country is home to the stunning Dalmatian Coast, Plitvice Lakes and well-preserved medieval cities like Dubrovnik.

-Czech Republic: Best known for Prague, Czech Republic is a fairytale-like capital with historic castles and vibrant nightlife.

-Denmark: This Scandinavian gem features modern design, Viking history and the charming city of Copenhagen.

-Estonia: A digital-forward nation, Estonia is bestowed with a well-preserved medieval Old Town in Tallinn and beautiful landscapes.

-Finland: The Land of a Thousand Lakes, Finland offers magical Northern Lights, saunas and unspoiled nature.

-France: A global cultural hub, this country is famous for the Eiffel Tower, gourmet cuisine and world-class wine regions.

-Germany: A powerhouse of history and innovation, home to Berlin’s vibrant culture and Bavaria’s scenic landscapes.

-Greece: The birthplace of democracy, offering ancient ruins, sun-kissed islands, and crystal-clear waters.

-Hungary: This country is famous for Budapest’s thermal baths, grand architecture and the scenic Danube River.

-Iceland: Iceland is a land of fire and ice, and it is known for geysers, glaciers and breathtaking natural wonders.

-Italy: A haven for art, history and cuisine, Italy features stunning landmarks like the Colosseum and Venice’s canals.

-Latvia: A Baltic treasure with Art Nouveau architecture in Riga and beautiful sandy beaches, Latvia is a unique experience for travellers.

-Liechtenstein: This is a tiny yet picturesque Alpine nation with stunning castles and scenic hiking trails.

-Malta: A sun-soaked island with stunning blue waters, ancient temples and a rich history of civilisations.

-Netherlands: This country is famous for its tulip fields, windmills, cycling culture and Amsterdam’s picturesque canals.

-Norway: This is home to majestic fjords, the Northern Lights and breathtaking natural landscapes.

-Poland: A country of rich history, featuring medieval towns, Auschwitz and the vibrant city of Warsaw.

-Portugal: Known for its scenic coastline, Portugal is also famous for its delicious seafood and the historic city of Lisbon.

-Romania: Famous for Transylvania’s castles, Romania also boasts medieval towns and the legendary Dracula folklore.

-Slovakia: A hidden gem in Central Europe with stunning mountains, castles and medieval charm.

-Slovenia: A paradise for nature lovers, offering pristine lakes, caves and picturesque towns like Ljubljana.

-Spain: A vibrant country with rich culture, sunny beaches, flamenco music and historic cities like Madrid and Barcelona.

-Sweden: Known for its stunning natural landscapes, innovative cities and Viking heritage.

-Switzerland: A dream destination with the Swiss Alps, luxury watches and world-famous chocolates.

-Also Read: 9 Cheap European Destinations from India