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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.
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.
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.
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.
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 |
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.
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:
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.
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.
You can buy Digit Schengen travel insurance from India through our mobile app or website. Follow the below steps:
Visit Digit's International Travel Insurance Policy page on our website or download our app.
Choose your destination, trip start and end dates, select members and enter date of birth.
Select a plan with your preferred sum insured.
Fill in personal details and nomination details.
Proceed to make the payment, verify your KYC, and receive your final policy documents via WhatsApp, email, SMS, and in the app.
Medical Cover |
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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. |
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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. |
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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. |
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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. |
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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!). |
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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. |
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Smooth transit covers |
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Trip Cancellation If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip. |
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Common Carrier Delay If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked! |
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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! |
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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. |
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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. |
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Flexible Trip |
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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. |
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Emergency Cash If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue. |
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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. |
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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. |
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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. |
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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.
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:
Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.
Upload the required documents & your bank details.
We’ll take care of the rest!
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.
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 |
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:
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.