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Schengen Visa Travel Insurance

Instant Policy, No Medical Check-ups

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Multi trip option covers unlimited trips for a year

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Settlement (FY24-25)

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Missed Call Facility

100% Claim

Settlement (FY24-25)

1-Day Adventure

Activities Covered

Terms and conditions apply*

Written By:

Deepshikha Sarkar

Senior Marketing Associate

I am a content strategist and writer with 4+ years of experience crafting insightful, SEO-driven content across B2B and B2C industries. With expertise in digital marketing, fintech, and ed-tech, I create well-researched and value-driven content that informs, inspires, and drives impact. Through strategic storytelling and data-backed insights, I aim to make complex topics accessible and engaging, ensuring every piece serves a purpose beyond words.

Reviewed By:

Abhash Pathak

Product Head - Abhash Pathak

I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.

Travel Insurance for Schengen Visa from India Online, Starting ₹515

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.

Team Digit

Is Travel Insurance Mandatory?
Cost of Schengen Visa Travel Insurance
Schengen Visa for Indians
Benefits of Travel Insurance
Schengen Travel Insurance Plans
How to File a Claim?
Buy Travel Insurance
Why Choose Digit?
Frequently Asked Questions

What is Schengen Visa Travel Insurance?

Travel Insurance for a Schengen Visa is one policy that covers all 27 countries in the zone. It is mandatory when applying for a Schengen Visa. This ensures hurdle-free travel to all 27 Schengen countries with just one visa rather than multiple visas for each country in the zone.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, travel insurance is mandatory for a Schengen Visa for Indians, and the policy needs to be valid for the entire trip. Visa requirements for all the Schengen countries are practically identical, so owning travel insurance will help process your Schengen Visa without hassle.

What is the Cost of Travel Insurance for a Schengen Visa from India?

A $50,000 Schengen Visa Travel insurance plan from India for four days for one adult starts from ₹515 (excluding GST).

Schengen Visa for Indian Passport Holders

A Schengen visa is a long -or short-term visa that allows you to enter the Schengen zone in the European Union. The Schengen zone comprises 27 countries that follow a standard visa policy. Indian citizens planning to visit Schengen countries must apply for a Schengen Visa.

Different Types of Schengen Visa

Tourist Schengen Visa

Business Schengen Visa

Student Schengen Visa

Transit Schengen Visa

Tourist Schengen Visa

Purpose: For short-term visits to the Schengen area for tourism, leisure, or visiting family and friends.

Validity & Duration: Valid for a maximum of 90 days within a 180-day period

Standard Visa Fee*: €80 or ₹7243

Business Schengen Visa

Purpose: For business meetings, conferences, and other short-term professional activities.

Validity & Duration: Valid for a maximum of 90 days within a 180-day period

Standard Visa Fee*: €80 or ₹7243

Student

Purpose: For individuals enrolling in a full-time study program at a recognised institution within the Schengen Area.

Validity & Duration: Valid for up to 90 days within a 180-day period
*For a longer period, apply for a Long-Stay Study Visa

Standard Visa Fee*: €80 or ₹7243

Transit Schengen Visa

Purpose:

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.

Validity & Duration:

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

Standard Visa Fee*: €80 or ₹7243

How Can I Apply for a Schengen Visa from India?

Pick Your Schengen Country & Embassy

Choose your main Schengen destination, either where you’ll stay the longest or enter first. Then apply at its consulate, or at the consulate of the country representing it if it has no embassy in India.

Check and Confirm the Visa Type

Go to the official embassy or VFS Global website to check if you need a visa and confirm the visa type based on your travel details.

Fill the Application Form

Once that’s clear, fill out the Schengen visa application form online as per your travel purpose, be it tourism, business, or study. After filling it out, download or print a copy as you’ll need it for your appointment.

Book a Schengen Visa Appointment

Book your visa appointment through the VFS Global site or the embassy’s official portal. This is where you’ll pick a date and time to submit your documents and complete your biometric registration.

Visit the Application Centre

Finally, visit the application centre on your scheduled date. Submit your documents, pay the visa fee, and provide your fingerprints and photo. Once this is done, your application will be processed.

Documents Required for ABHA Card Registration

Schengen Visa Application

Passport

Passport Photos

Travel Medical Insurance

Accomodation

Funds

Employment

Flight Itinerary

Business Letter

Cover Letter

What is the Minimum Insurance Coverage Required for a Schengen Visa?

What is the Minimum Insurance Coverage Required for a Schengen Visa?

The minimum insurance coverage for a Schengen visa from India must be €30,000 (euros). This amount should cover medical expenses, particularly hospitalization, and emergency evacuation, in case you fall sick or have an accident during your visit to the Schengen zone.

Why Do You Need Schengen Visa Travel Insurance?

why do you need schengen travel insurance

Why Do You Need Schengen Visa Travel Insurance?

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 travelers against unexpected medical expenses, trip cancellations, or emergencies abroad.

What our Travel Product Expert has to say about the How Travel Insurance Helps You in Medical Emergency Abroad?

Consider the case of an Indian traveller who suffered a severe medical condition while vacationing in Europe. Without travel insurance, the family faced overwhelming medical bills and logistical challenges. This situation underscores the importance of having a policy that covers medical expenses and emergency evacuations during international trips.

How Many Countries Are Part of the Schengen Region?

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.

Schengen Countries
Austria	Slovakia	Liechtenstein	Portugal
Lithuania	Spain	Italy	Germany
France	Belgium	Denmark	Hungary
Slovenia	Czech Republic	Netherlands	Croatia
Norway	Greece	Iceland	Finland
Estonia	Luxembourg	Poland	Sweden
Malta	Switzerland	Latvia

Do You Need Schengen Travel Insurance from India for All European Countries?

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.

What are the Requirements for Schengen Visa Travel Insurance?

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:

Minimum €30,000 of medical coverage for an individual.
Full coverage of the Schengen zone under the applied policy.
The policy must cover any other unforeseen expenses, such as medical or emergency hospital treatment or death, such as repatriation for medical reasons.
Validity of the policy covers the duration of the stay.

Will I Get a Schengen Visa If I Obtain a Travel Insurance from India?

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.

Disclaimer: The counts displayed for Policies Sold, Claims Settled, and Paid-in Claims represent the total counts for each category for international travel policies since their inception until 31st March 2025. The Claim Settlement Ratio (CSR) is calculated for FY 24-25. CSR is a count of (Claims Paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End).

What’s Great About International Travel Insurance by Digit?

Adventure Sports Covered - Our coverage includes activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day).
Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed, you will receive compensation as per your policy conditions.
Smartphone-enabled Processes - No paperwork, no running around. Just upload the required documents and bank details when you make a claim. We’ll take care of the rest.
Missed-call Facility - Give us a missed call, and we’ll call you back in 10 minutes. No more international calling charges!
Worldwide Support - We’ve partnered with the world’s largest health and travel insurance network Allianz, to support you seamlessly across the globe. T&C apply as per your policy.

What Our Customers Have to Say about Us

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Schengen Visa Travel Insurance Plans That Fit Your Needs

Basic Option

Offers coverage for the most common mishaps that can be encountered on an international trip.

Comfort Option

This plan not only covers you for the most common mishaps on your trip but also keeps you protected from each hiccup so your trip goes just how it should!

Basic Option

Comfort Option

Medical Cover
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.	✔	✔
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.	✔	✔
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.	✔	✔
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.	×	✔
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!).	✔	✔
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.	×	✔
Smooth transit covers
Trip Cancellation If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip.	×	✔
Common Carrier Delay If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked!	×	✔
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!	✔	✔
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.	✔	✔
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.	×	✔
Flexible Trip
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.	✔	✔
Emergency Cash If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue.	×	✔
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.	×	✔
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.	×	✔
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.	×	✔

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.

What's Not Covered in the Schengen Visa Travel Insurance by Digit?

We believe in transparency; that’s why we want you to be aware of some situations we don’t cover. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:

Diseases or illnesses that have already been diagnosed (pre-existing diseases) or if your doctor has already recommended no traveling.
Death or disability won’t be covered after 365 days of the accident that has caused it.
Only one-day adventure sports are covered. This doesn’t include weeklong treks, hikes or professional-level adventure sports that go on for more than a day.

Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
The delay in checking-in luggage is not covered if the delay is due to customs.
Any missed connection where the time gap between an incoming flight's scheduled arrival and the connecting flight's scheduled departure was less than the time required.
Thefts won’t be covered if the respective police aren't notified within 24 hours.
Trip extensions due to childbirth or related matters can’t be covered.
Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
Trip cancellations due to rejection of visa are not covered.

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How to Buy Travel Insurance for Schengen Visa with Digit?

You can buy Digit Schengen travel insurance from India through our mobile app or website. Follow the below steps:

Enter Your Trip Details

Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.

Choose Your Plan

Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’

Fill, Confirm & Pay

Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.

Done & Delivered!

That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!

How to File a Travel Insurance Claim with Digit?

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:

Step 1

Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.

Step 2

Upload the required documents & your bank details.

Step 3

We’ll take care of the rest!

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY’25

When it came to travel insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 100% of travel claims settled seamlessly and we make this simple with,

Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Everything digital and paperless. No need for hard copies, just upload everything on our app, and you're all set!

Why Choose Digit for Schengen Travel Insurance Policy from India?

Why Choose Digit for Schengen Travel Insurance Policy from India?

Engage in Exciting Adventure Sports Without Worries - You can enjoy adventure sports that last less than 24 hours continuously, provided you participate in a non-professional capacity and under the supervision of a trained professional, during your trip because this cover provides protection if things go wrong.
Medical treatment and evacuation exigencies - It is a cover for unexpected emergencies requiring hospitalisation due to an illness or acute pain. We will pay reasonable charges as mentioned in your policy.
Loss of Passport, Driving License and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, and it stops you from continuing your trip. Then we'll cover costs incurred in the issuance of an emergency certificate or duplicate passport so that you can get back on enjoying your trip.

Accidental Treatment and Evacuation Exigencies - If you meet with an accident during your trip, resulting in hospitalization, the cost of treatment will be covered. We will pay reasonable and customary charges as mentioned in the policy.
Receive Compensation for Lost/Stolen Baggage - In case of luggage delay or theft in transit, we will compensate you after deducting depreciation.
Hijack Distress Allowance - In case your trip gets interrupted because the common carrier is hijacked, we'll pay you for each day of the hijacking, up to the amount mentioned in your policy.
Emergency dental treatment - provided by a dentist during your trip, due to an accidental injury or acute pain in your natural teeth is covered up to the limits shown on your policy schedule.

Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.

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We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.

Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.

We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.

Which Factors Affect the Premium of Schengen Travel Insurance?

Which Factors Affect the Premium of Schengen Travel Insurance?

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.
Traveler’s Age: For older people, the statistical likelihood of needing medical attention increases. This can lead to a higher premium for senior travelers.
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.

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What is Schengen’s Official Currency?

The currency in Schengen is the euro (EUR), which has the symbol €. Each euro is divided into 100 cents in 1, 2, 5, 10, 20, and 50 coins. Banknotes are in denominations 5, 10, 20, 50, 100, 200, and 500.

As of 27th August 2024, the currency exchange rates of EUR are as follows:

Country	Currency	EUR (Euro)
India	100 INR	1.07 EUR
United States of America	100 USD	89.56 EUR
Japan	100 JPY	0.62 EUR
United Kingdom	100 GBP	118.40 EUR
Australia	100 AUD	60.76 EUR

Note: You cannot use any currencies other than Euro.

When is the Best Time to Visit Schengen Countries?

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.

Safety Tips When Travelling to Schengen Countries

Safety Tips When Travelling to Schengen Countries

Be aware of petty crimes like pickpocketing and bag or purse snatching.
When you are looking for hotel accommodation, always use the official website of the same.
Follow the country's current health guidelines before traveling to different parts of the country.
Ensure optimum safety while in restaurants and food joints. Do not accept drinks or food from strangers.
Do check the prices of the food before ordering to avoid overpaying.
Refrain from carrying pieces of jewelry, large amounts of cash, and other valuables in public or crowded places.
Make sure to have a travel insurance policy.

FAQs about Schengen Travel Insurance from India

All

General

Visa

Policy

Coverage

What if I plan to extend my trip beyond my original Schengen visa?

Extending your stay in the Schengen Area beyond your visa validity is a serious offence. You could face fines or even deportation. It's crucial to contact the local immigration authorities in the country you're currently in to inquire about the possibility of a visa extension well before your visa expires.

What should I do if I have a medical issue while in the Schengen Area?

If you have a medical emergency, seek immediate medical attention. Most Schengen countries have emergency phone numbers, typically 112.

Also, contact your travel insurance provider's emergency assistance hotline as soon as possible. They can guide you through the claims process and help you locate English-speaking medical professionals.

Remember to save all receipts and medical documents related to your treatment, as these will be necessary when filing a claim.

How can I get the cheapest travel insurance for Schengen visa?

You can select a Schengen travel insurance within your budget by following these tips:

Compare Quotes: Obtain quotes from multiple travel insurance companies. Prices can vary significantly.
Focus on Coverage Needs: Choose a plan that meets the minimum Schengen visa requirements (€30,000 medical coverage) and offers the level of protection you need for your trip without unnecessary extras.
Consider Deductible: A higher deductible can lower your premium, but you'll be responsible for covering more costs upfront if you need to make a claim.

Does Schengen travel insurance provide coverage for countries outside the Schengen Area?

No, Schengen travel insurance is specific to the Schengen Area, consisting of 27 European countries.

Can I get a refund on my Schengen travel insurance if my visa application is rejected?

This depends on the specific terms and conditions of your travel insurance policy. Some companies might offer a cancellation benefit that allows you to claim a partial refund if your visa application is denied. It's important to read the policy details carefully before purchasing.

Can business travellers buy Schengen travel insurance?

Yes, business travellers can and should purchase Schengen travel insurance, as it provides medical and other coverage specific to the Schengen Area.

Are European travel insurance and Schengen travel insurance the same?

No, not necessarily. Europe travel insurance might offer broader coverage for all of Europe. In contrast, Schengen travel insurance is specifically designed to meet the requirements for obtaining a Schengen visa and covers medical emergencies within the Schengen zone.

Can I get a Schengen visa without travel insurance?

No, travel insurance is a mandatory requirement for Schengen visa applications.

What are the reasons for Schengen visa rejection?

There can be various reasons for a Schengen visa rejection. Some common reasons include:

Incomplete or inaccurate application forms
Lack of sufficient financial resources for your stay
Inadequate travel documents or itinerary
Incomplete proof of accommodation
Previous visa violations

Is Schengen tourist insurance the same as Schengen travel insurance?

Yes, Schengen tourist insurance and Schengen travel insurance are essentially the same thing. The terms are used interchangeably. Both terms refer to travel insurance plans specifically designed to meet the visa application requirements for countries within the Schengen Area.

What is the best travel insurance for a Schengen visa?

The ‘best’ depends on your trip requirement. You can choose the Schengen travel insurance that best fit your requirements and budget by following below steps:

Exploring different Schengen visa travel insurance plans available in India
Comparing quotes, coverage, and pricing
Understanding what is and isn't covered, any exclusions, and the claims process.

Digit Insurance offers two plan options with different coverage levels and deductibles. Visit Digit’s website or contact at 1800-258-5956 to discuss your trip and get a personalized recommendation.

When should I start my travel insurance?

It's best to get your Schengen visa travel insurance as early in the visa application process as possible.

Can I buy travel insurance after departure?

No, in most cases you cannot purchase Schengen travel insurance after you've already departed for your trip. Many travel insurance plans, especially those with trip cancellation benefits, have a condition that you must purchase the insurance before the start of your trip (typically your departure date).

How much does Schengen Visa travel insurance cost?

The cost of Schengen visa travel insurance can fluctuate based on factors like trip length, age, destination, and coverage level. You can avail of Digit’s Schengen Visa travel insurance policy for a sum insured of $50,000 at a premium starting at ₹515 (excluding GST) for four days for an adult.

What are the main coverages in Schengen Visa travel insurance?

Digit’s Schengen visa travel insurance mainly covers:

Personal accident
Loss of passport
Trip cancellation
Trip abandonment
Missed connection
Common carrier delay
Financial emergency cash
Emergency dental treatment
Emergency trip extension
Delay of checked-in baggage
Personal liability & bail bond
Total loss of checked-in baggage
Daily cash allowance (per day/max 5 days)
Emergency medical treatment and evacuation
Emergency accidental treatment and evacuation
Accidental death and disability (common carrier).

Please read the policy document carefully to understand the coverage in detail.

What is the minimum bank balance required for a Schengen visa?

There is no single minimum bank balance requirement for a Schengen visa. Embassies and consulates will assess your financial situation based on various documents, including:

Bank statements for the past few months
Proof of employment and income
Proof of sufficient funds to cover your stay (e.g., hotel reservations, prepaid tours)

Can business travellers also buy the same policy?

Yes, business travellers can typically purchase the same Schengen travel insurance policies as tourists.

What is the eligibility to apply for a Schengen visa?

Eligibility requirements can vary depending on your nationality and the Schengen country you're applying to. However, some general eligibility criteria include:

A valid passport with at least 6 months validity beyond your intended stay.
Completed visa application form.
Two recent passport-sized photos.
Proof of travel insurance meeting the minimum requirements.
Proof of accommodation for your stay.
Proof of sufficient financial resources.
Round-trip flight tickets or other proof of onward travel.

Do I need multiple travel insurance for multiple entry visa?

Depending on your trip duration, you need to obtain your Schengen travel insurance. Typically, for a multiple-entry Schengen visa, you can go for a multi-trip travel policy or can go for multiple single-trip policies. You just need to ensure that these are compliant with your duration of stay in the Schengen area.

How much time does it take to get a Schengen visa?

Processing times for Schengen visas generally takes around 15 working days, but it could be longer in some cases.

If my Schengen visa travel insurance is not as per the requirement, will they cancel the visa?

Yes, your visa application could be rejected if your travel insurance does not meet the minimum coverage requirements set by the Schengen country you're applying to.

What’s the minimum SI (Sum Insured) required for Schengen visa?

The minimum required Sum Insured (SI) for an individual for Schengen travel insurance is €30,000 (subject to change). This means the insurance policy should cover at least €30,000 in medical expenses.

How long should the Schengen Travel Insurance be valid for?

Your Schengen Travel Insurance should be valid for the entirety of your trip, including the day you arrive and the day you depart the Schengen Area.

Does Schengen Travel Insurance cover pre-existing medical conditions?

Schengen Visa travel insurance typically does not cover pre-existing medical conditions. These plans are designed to cover unexpected medical emergencies that arise during your trip. However, some insurers might offer optional add-on coverage for pre-existing conditions for an additional premium.

Can I buy Schengen Travel Insurance after arriving in Schengen country?

No, you cannot buy travel insurance for your Schengen visa after arriving in Schengen country as it is required at the time of visa application process in India.

Does Schengen travel insurance cover adventure sports and high-risk activities?

If you plan to participate in such activities during your trip, you might need to purchase additional coverage, or a specific travel insurance plan designed for adventure travel.

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Schengen Visa Travel Insurance

Travel Insurance for Schengen Visa from India Online, Starting ₹515

Table of Contents

What is Schengen Visa Travel Insurance?

What is Schengen Visa Travel Insurance?

Is Travel Insurance Mandatory for Schengen Visa?

Is Travel Insurance Mandatory for Schengen Visa?

What is the Cost of Travel Insurance for a Schengen Visa from India?

What is the Cost of Travel Insurance for a Schengen Visa from India?

Schengen Visa for Indian Passport Holders

Schengen Visa for Indian Passport Holders

Different Types of Schengen Visa

How Can I Apply for a Schengen Visa from India?

Documents Required for ABHA Card Registration

What is the Minimum Insurance Coverage Required for a Schengen Visa?

What is the Minimum Insurance Coverage Required for a Schengen Visa?

Why Do You Need Schengen Visa Travel Insurance?

Why Do You Need Schengen Visa Travel Insurance?

How Many Countries Are Part of the Schengen Region?

Do You Need Schengen Travel Insurance from India for All European Countries?

What are the Requirements for Schengen Visa Travel Insurance?

Will I Get a Schengen Visa If I Obtain a Travel Insurance from India?

What’s Great About International Travel Insurance by Digit?

What Our Customers Have to Say about Us

Schengen Visa Travel Insurance Plans That Fit Your Needs

Basic Option

Comfort Option

Basic Option

Comfort Option

What's Not Covered in the Schengen Visa Travel Insurance by Digit?

What's Not Covered in the Schengen Visa Travel Insurance by Digit?

How to Buy Travel Insurance for Schengen Visa with Digit?

How to File a Travel Insurance Claim with Digit?

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY’25

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY’25

Why Choose Digit for Schengen Travel Insurance Policy from India?

Why Choose Digit for Schengen Travel Insurance Policy from India?

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

Which Factors Affect the Premium of Schengen Travel Insurance?

Which Factors Affect the Premium of Schengen Travel Insurance?

What is Schengen’s Official Currency?

When is the Best Time to Visit Schengen Countries?

Safety Tips When Travelling to Schengen Countries

Safety Tips When Travelling to Schengen Countries

FAQs about Schengen Travel Insurance from India

What if I plan to extend my trip beyond my original Schengen visa?

What should I do if I have a medical issue while in the Schengen Area?

How can I get the cheapest travel insurance for Schengen visa?

Does Schengen travel insurance provide coverage for countries outside the Schengen Area?

Can I get a refund on my Schengen travel insurance if my visa application is rejected?

Can business travellers buy Schengen travel insurance?

Are European travel insurance and Schengen travel insurance the same?

Can I get a Schengen visa without travel insurance?

What are the reasons for Schengen visa rejection?

Is Schengen tourist insurance the same as Schengen travel insurance?

What is the best travel insurance for a Schengen visa?

When should I start my travel insurance?

Can I buy travel insurance after departure?

How much does Schengen Visa travel insurance cost?

What are the main coverages in Schengen Visa travel insurance?

What is the minimum bank balance required for a Schengen visa?

Can business travellers also buy the same policy?

What is the eligibility to apply for a Schengen visa?

Do I need multiple travel insurance for multiple entry visa?

How much time does it take to get a Schengen visa?

If my Schengen visa travel insurance is not as per the requirement, will they cancel the visa?

What’s the minimum SI (Sum Insured) required for Schengen visa?

How long should the Schengen Travel Insurance be valid for?

Does Schengen Travel Insurance cover pre-existing medical conditions?

Can I buy Schengen Travel Insurance after arriving in Schengen country?

Does Schengen travel insurance cover adventure sports and high-risk activities?

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