Is Travel Insurance Mandatory for a Schengen Visa?

Preparing for a European adventure can be exciting and daunting, especially when it comes to organising your documents. If you’re considering visiting multiple countries in the Schengen area, obtaining a visa for Europe is likely a priority. But, one thing that confuses many travellers is whether they must purchase travel insurance for a Schengen visa in India. If you’re one of them, keep reading to find out.

Why You Must Buy Travel Insurance for a Schengen Visa?

The Schengen Area comprises 26 European countries, excluding the UK, where travellers can move freely without border checks. However, to ensure visitors’ safety, these nations require travel insurance.

According to Regulation (EC) No 810/2009 (Article 15), enacted by the European Parliament and Council on July 13, 2009, and effective April 5, 2010, applicants must purchase travel insurance before applying for a Schengen visa. This regulation ensures coverage for medical emergencies, accidents, or repatriation in case of death.

The mandatory travel insurance for Europe must cover medical emergencies, baggage loss, personal liability, and trip interruptions.

Schengen Visa Travel Insurance Requirements for Indian Citizens

For those planning to travel to the Schengen Area, the typical Schengen visa travel insurance requirements in India include:

1. Sum Assured 

The insurance must cover at least €30,000 euros in medical expenses.

2. Travel Health Insurance 

The policy must cover any expenses that might arise concerning repatriation for medical reasons, urgent health attention, and emergency hospital treatment or death.

3. Coverage Area 

The insurance policy must be valid in all the Schengen countries.

4. Valid Duration 

 It should be valid for the entire duration of your stay in the Schengen Area.

How to Buy Travel Insurance for a Schengen Visa in India?

Here is a step-by-step process to buy travel insurance for a Schengen Visa in India online.

Step 1: Visit the insurance provider’s website and choose the right type of insurance.

Step 2: Enter basic travel information to get a preliminary quote.

Step 3: Specify the Schengen countries you’ll visit, travel dates, and the number of travellers.

Step 4: Select the best plan based on coverage options and quote.

Step 5: Provide complete and accurate details of the person buying the policy and the travellers.

Step 6: Disclose any existing health conditions, as this can affect your coverage.

Step 7: Review all details and coverage carefully before making the purchase. 

Visa Process for Schengen Visa

Once you have obtained your travel insurance policy, you can proceed with the Schengen visa application process. 

1. Identify Visa Type

Determine the visa type based on your travel purpose (tourism, business, etc.).

2. Choose Where to Apply

Apply at the consulate or embassy of your main destination or first entry point.

3. Gather Documents

Collect required documents such as the application form, passport, travel insurance, and proof of accommodation.

4. Schedule Appointment

Book an appointment through the embassy’s website to submit your application and attend an interview.

5. Attend the Interview

Go to your appointment, answer questions, and provide all necessary documentation.

6. Pay Visa Fee

The standard fee is 80 euros for adults and 40 euros for children aged 6 to 12.

7. Wait for Processing

Processing typically takes up to 15 days but can extend to 45 days in some instances.

If approved, you’ll receive a visa sticker in your passport. The sticker will indicate the visa type, validity dates, and the number of entries allowed.

Top 5 Things to Do in European Countries

While visiting the Schengen Area, there are countless activities and attractions to enjoy. Here are five must-see experiences:

• Visit the historic landmarks and cultural treasures in cities like Rome, Paris, London, and Barcelona.
• Enjoy the magnificent views of the Swiss Alps, the Mediterranean coast, and the charming countryside of Tuscany.
• Indulge in the culinary delights of Italy, France, Spain, Greece, and Portugal by sampling local dishes and wines.
• Immerse yourself in the art and architecture of Europe’s museums, galleries, and cathedrals, including the Louvre, the Uffizi Gallery, and the Sagrada Familia.
• Enjoy the vibrant nightlife and festivals of cities like Berlin, Amsterdam, Prague, and Ibiza, known for their lively atmosphere and diverse entertainment options.

Key Takeaways

Buying travel insurance to Schengen countries from India is a mandatory requirement and a smart choice for your own protection. It ensures you’re protected throughout your European adventure, offering reassurance in case of any unforeseen events. With international travel insurance, you’re safeguarded against medical emergencies, lost baggage, and trip cancellations, allowing you to immerse yourself fully in your travel experience.

Ensure your travels are stress-free by using platforms like PhonePe to easily manage and purchase your travel insurance.