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.

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.

Yes, travel insurance is mandatory for a Schengen visa, 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.

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

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.

You can apply for a Schengen visa directly through the VFS Global website or the websites of other relevant application centers. Check out the process below:

• Step 1: Identify your destination country.
• Step 2: Visit the application center website of that country.
• Step 3: Check if you require a visa and select the visa type.
• Step 4: Complete the visa application form online.
• Step 5: Gather all your necessary documents.
• Step 6: Book an appointment for document verification and biometric registration.
• Step 7: Submit documents, settle visa application fees, and provide biometric information.
• Step 8: Wait for processing, which typically takes up to 15 days.
• Step 9: Check your status on the online portal or contact VFS Global.
• Step 10: Collect your passport at the VFS center.

1. Thoroughly filled out and signed the Schengen visa application form.
2. Valid passport (minimum three months validity, two blank pages)
3. Two recent passport photos (white background)
4. Travel medical insurance (€30,000 coverage)
5. Proof of accommodation
6. Proof of sufficient funds
7. Proof of employment
8. Flight itinerary
9. Business letter (if applicable)
10. Cover letter explaining trip details​

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.

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.

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:

• 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.

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.

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.

• 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.

• 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.

• 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.