Schengen travel plans starting at just ₹401*
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Up to $500,000 Covered*
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100% Visa Rejection Refund*
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Flight Cancellation Cover*
Schengen Travel Insurance
From posing at the Eiffel Tower in Paris to cruising through Amsterdam’s canals, Europe is a dream destination for many Indian travellers. But even well-planned holidays can face emergencies like misplaced luggage, sudden illness, flight delays or cancellations. And that’s where Schengen travel insurance can help.
If you lose your wallet after a fun night out in Berlin, it can disrupt your travel plans. With IndusInd Schengen travel insurance, you’re quickly reimbursed with a cash payout so you still have money on hand while you arrange alternate funds.
And that’s not all! IndusInd Schengen travel insurance (formerly known as Reliance Schengen travel insurance) meets visa requirements for all 29 Schengen countries and provides financial coverage for your European trips.
We also offer a quick claims process that you can file on the go with the Self-i app and 24/7 customer support anywhere in Europe for any trip emergencies. Explore Europe while we handle the risks!
IndusInd Schengen Travel Insurance Benefits
Schengen Travel Key Insights
According to recent travel data shared by Atlys, Schengen visa applications from India increased by 29% compared to 2024.
The data also showed a 23.5% year-over-year increase in applications from Gen Z and Millennial travellers. Additionally, Iceland was the easiest country for Indians to get a visa from, with a reported approval rate of 95.43%.
Why 5 Crore+ Policyholders Trust Us?
A trip to Europe should be exciting, not stressful. IndusInd Schengen Travel Insurance (formerly known as Reliance Schengen Travel Insurance) offers smart, affordable protection that meets all visa requirements and helps you stay covered throughout your journey.
Baggage Loss & Delay*
Daily payouts* for luggage mishaps
24/7 Customer Support*
Get help anywhere in Thailand
AI-Powered Self-i App*
Quick processes and 24/7 support
No Medical Check-ups*
Just apply, pay and download!
Types of Travel Insurance for Schengen Visa
IndusInd General Insurance (previously Reliance General Insurance) offers distinct plans tailored to meet Schengen visa requirements. We offer comprehensive overseas coverage up to USD 500,000, above the minimum requirement of €30,000 for the Schengen Visa.
1
Single-Trip Travel Insurance
Ideal for solo travellers, this plan provides coverage for a single journey to and from the Schengen region. The sum insured of the policy and the coverage benefits are available to an individual traveller visiting a Schengen country. It covers the entire trip duration, starting from here to your trip in the Schengen region and back home.
2
Annual Multi-Trip Travel Insurance
You no longer need to buy a single travel insurance policy every time you set off on a trip within a year! Now, you can have Multi-Trip Travel Insurance – a one-time purchase covering unlimited international trips over twelve months. Each trip under this plan is covered for a duration of 30 to 45 days.
3
Family Travel Insurance
Planning a family holiday? This plan is designed for families travelling together. It provides comprehensive coverage for medical expenses, loss of baggage and passports, etc., all under one policy for you, your spouse, and dependent children. With the shared sum insured, you guarantee protection for all individuals.
4
Senior Citizen Travel Insurance
There is no age limit for exploring the world! For travellers aged between 61-90 years, we offer special travel and medical protection tailored to their travel needs. This includes medical emergencies, hospitalisation, loss of personal belongings, etc. We include all the benefits without a mandatory health check-up!
IndusInd Schengen Travel Insurance Coverage
Individual Travel Plan
Highlights the essential benefits and coverages provided by our Individual travel plan. This plan secures coverage for a round trip to and from your preferred travel destination. The insured amount of the policy along with the coverage benefits are available to an individual traveller for the complete length of their trip.
Key Feature | Basic Coverage | Maximum Coverage |
|---|---|---|
Medical expenses | $100,000 | $500,000 |
Personal liabilities | $100,000 | $200,000 |
Personal accident | $20,000 | $30,000 |
Total loss of baggage | $1000 | $1500 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $25/day (Max of 6 Days) | $25/day (Max of 6 Days) |
Dental treatment | $500 | $500 |
Home burglary insurance | $100,000 | $300,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Family Travel Plan
Outlines the significant benefits and coverages associated with our Family travel plan. This plan enables you to secure a single travel insurance policy that covers all family members with a collective medical coverage. For those seeking higher medical coverage, individual travel plans can be arranged for each member.
Key Features | Basic Coverage | Maximum Coverage |
|---|---|---|
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Disclaimer: Please refer to the policy document for a detailed explanation of various plans linked here.
IndusInd Schengen Travel Insurance: Inclusions and Exclusions
What is Covered?
Medical Emergency: Medical treatment and dental treatment arising out of accidents or illnesses during your trip.
Personal Liability: If you accidentally cause damage to someone or their property, their expenses and the legal costs are covered.
Trip and Baggage Delay: Trip delayed due to illness, bad weather, loss of job, security issues, and Baggage delay for over 12 hours.
Passport and Baggage Loss: If your passport or bag is lost/stolen during your trip, get coverage for getting a replacement.
Emergency Assist: Emergency cash assistance in case you lose money due to theft or any accident during the trip
Pre-existing disease: Medical costs are covered only if it's a life-threatening situation and was previously disclosed.
What is Not Covered?
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergency costs while you're in the Schengen region except for maternity costs, undeclared PEDs and planned medical treatments.
Negligence & Travelling Against Medical Advice: Your Schengen trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered except for ones arising out of any legal violations while overseas.
Disclaimer: Please refer to the policy document for a detailed list of inclusions and exclusions linked here.
We’ll sort your travel cover while you plan your itinerary
Need Schengen-compliant cover? We’re just a call away!
How to Buy IndusInd Schengen Travel Insurance?
Anyone who is above 18 years of age, has completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are a few categories that can benefit the most.
Pick Travel Type
Choose Leisure or Business > Enter details > Click “Recommend a plan”.
Choose Coverage
Select a plan with the preferred sum insured (SI) > Click on “Continue”.
Review and Buy
Pay using one of the payment options > Get your policy instantly.
Schengen travel insurance starting at just ₹401*!
Explore Europe With Confidence!
With Schengen Travel Insurance, stay protected during medical emergencies or Travel delays and losses! We have you covered while you enjoy the tranquil locations!
How to Claim IndusInd Schengen Travel Insurance?
Filing a claim under your IndusInd travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your Self-i app and tap “InstaClaim”.
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in –
General Documents
Travel Documents & Claim Form: Your original ticket, boarding pass or a copy of your passport indicating the travel dates. Duly filled and signed claims form.
For Medical Claims: Medical bills, test reports, discharge summary, etc. They need to show your name and treatment date, the type of illness and details
For Theft & Emergency Cash: A Police Report obtained within 24 hours of the incident. For theft, the report needs to be obtained within 24 hours of you knowing when the item has gone missing.
Passport Loss: Original bills/receipts of costs for a new/fresh passport.
Additional Documents
Total Loss of Checked-In Baggage: A Property Irregularity Report or other report issued by the airline. You also need to submit proof of ownership of lost items worth more than US$100.
Delay of Checked-In Baggage: Original bills of emergency items purchased, and the Property Irregularity Report from the airline stating the date and time of arrival of the delayed baggage.
Flight Delays & Missed Connections:
Confirmation from the airline, with the scheduled arrival time and the actual arrival time. Reason for the flight delay needs to be mentioned and all original bills for costs.
For Third Party Liability: A police report and proof of judicial decision.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document.
Types of Schengen Visas
Tourist Visa
Purpose: For holidays, sightseeing or visiting friends and family in Schengen countries
Duration: Short-stay. Up to 90 days within a 180-day period.
Requirements: Valid passport, travel itinerary, proof of accommodation, financial means and Schengen travel insurance
Business Visa
Purpose: To attend meetings, conferences, trade fairs or other professional events.
Duration: Short-stay. Up to 90 days within a 180-day period.
Requirements: Invitation letter from the business contact in Schengen, employment proof, travel schedule and Schengen travel insurance
Transit Visa
Purpose: For short stopovers in a Schengen country while travelling to a non-Schengen country.
Duration: Valid for up to 5 days, depending on transit requirements.
Requirements: Valid visa for the final destination, confirmed onward tickets and Schengen insurance covering the transit period
Medical Visa
Purpose: To seek medical consultation or treatment in a Schengen country.
Duration: Usually valid for the duration of treatment, up to 90 days.
Requirements: Medical diagnosis from your local doctor, confirmation from the treatment centre, proof of stay, and Schengen travel insurance.
Student Visa
Purpose: For short-term study programmes, training, courses or internships
Duration: Up to 90 days within 180 days, for extended stays, apply for a long-term national visa.
Requirements: Admission letter from a recognised university, accommodation proof, Schengen travel insurance covering the study period
Family Reunion Visa
Purpose: For family members of Schengen residents to visit temporarily.
Duration: It is typically valid for up to 90 days. Apply for residence card for a stay more than 90 days.
Requirements: Proof of relationship, invitation from the family member, accommodation details and travel insurance for a Schengen visa
How to Apply for a Schengen Visa?
Determine Visa Type: Identify the appropriate visa type based on your purpose of travel. Apply at the consulate of the country you're visiting the longest.
Gather Required Documents: Prepare documents such as a valid passport, a completed visa application form, proof of accommodation, flight itinerary and more.
Schedule Visa Appointment: Book an appointment at the consulate or visa application centre of the relevant Schengen country.
Pay Visa Fees: Pay the required fees and track your visa application status online through the consulate or visa centre's website.
Attend Visa Interview: Attend the scheduled visa interview with the requested documents. Be prepared to explain the purpose of your visit and provide any additional information.
Receive Visa Decision: Once approved, collect your passport from the consulate or visa centre and verify the visa details for accuracy.
Document List for a Schengen Visa
Basic Requirements
Application Form:- Submit a completed, duly filled and signed Schengen visa application form. When visiting multiple countries, you must apply for a visa under the first country you're visiting.
Passport and Photos:- You need a passport with at least 3 months' validity and 2 blank pages. You'll also need 2 passport-sized photos taken within the last 6 months, sized 35-40 mm in width.
Travel Insurance:- You need travel insurance with a minimum medical coverage of EUR 30,000. It also needs to be valid throughout the Schengen area and for the entire duration of your stay.
Proof Documents:- You'll need proof of accommodation (e.g., confirmed hotel reservations); proof of finances (e.g., bank statements or salary slips); and proof of return (return or round-trip flight tickets).
Additional Documents
Cover Letter:-You need to submit a detailed cover letter that explains your reason for travel and your plans.
Employment Proof:-If you are travelling for work, you need to provide proof of your employment in the form of an employment letter and salary slips.
Study Proof:-If you are a student travelling for academics, you need to provide proof of your student status in the form of your student identification card.
For detailed information about Schengen Visa features, types, application procedures, rejections, etc., check our Schengen Visa for Indians page
Best Time to Visit Schengen Countries
June to August - Peak Travel
Summer is the most popular time to visit Europe. The temperatures can range anywhere between 14°C to 30°C.
Perfect for: Enjoying a beach holiday, water sports, festivals like La Tomatina and nightlife in Greece, Italy and Spain.
Tourist Flow: Very high. Major cities and landmarks are crowded
Flights and Hotel Rates: High. Most expensive of the year.
Return Airfare from India: ₹68,000–₹122,000
April to June - Less Crowd
With the spring season setting in, enjoy clear skies and pleasant weather. The temperatures can vary between 7°C to 22°C.
Perfect for: Touring the picturesque tulips in Amsterdam and the city gardens in Vienna, hikes or treks.
Tourist Flow: Moderate. Fewer queues and peaceful sightseeing
Flights and Hotel Rates: Moderate, cheap if booked early.
Return Airfare from India: ₹58,000–₹90,000
November to March - Low Cost
Temperatures can drop to -2°C in some regions. If you enjoy cold weather and snow, visit Switzerland, Sweden and Norway.
Perfect for: Snow sports, catching a glimpse of the Northern lights and enjoying the festive season.
Tourist Flow: Low, except during Christmas and New Year
Flights and Hotel Rates: Low, may rise during festive periods.
Return Airfare from India: ₹47,000–₹71,000
Things to Do in Schengen Countries
Northern Light Retreats in Iceland
Stay at a cosy retreat in Iceland and enjoy warm drinks and hot tubs under the Northern Lights. You can enjoy the best views between October and March, at peak times between 11 p.m. and 2 a.m. We'd also recommend checking the Iceland Met Office’s aurora forecast.
Climb the Eiffel Tower in Paris
Take in panoramic views of the city from the top of the Eiffel Tower and enjoy a walk along the Seine. Remember to book tickets in advance to avoid waiting in long entry lines. If tickets are sold out, go for the "Lift entrance ticket with access to 2nd floor" only option on the tower's website.
Tour the Colosseum in Rome
Step back in time as you explore the ancient ruins of the Roman Colosseum and the nearby Roman Forum. Sign up for a guided tour since they guarantee first entry, meaning fewer crowds. Also, make sure the tour includes the entry cost so the guide already has your tickets.
Hike in the Swiss Alps
Take a short-day hike or plan multi-day treks in the Swiss Alps and enjoy the breathtaking views. The best time to visit is from June to mid-September, during the summer months. If you want to avoid the crowds, May or mid-September to October is the best time.
Ride a Gondola in Venice
Choose your gondolier and enjoy a romantic ride as they row you through the canals in Venice. Private ones cost around €80, so if you're on a budget, you can go for a shared gondola, which costs around €34. They're also only offered a few times during the day between 2:00pm to 5:00pm.
Wine Tasting in Bordeaux
Visit the famous vineyards in Bordeaux and try different types of wines, and learn how they are made. We'd recommend checking sites like Rue de Vignerons to make it easier for you to choose top-rated Bordeaux vineyards and châteaux to visit.
Bike Past Tulips in the Netherlands
Rent a bike and pedal past the colourful tulips and other flower fields in Keukenhof Gardens in the Netherlands. We'd also recommend checking out the Flower Parade in Holland. Ensure you check the festival dates, since they are different every year.
Raft in the Austrian Alps
Enjoy the thrilling adventure of white-water rafting in the rivers and gorges of the Austrian Alps. Tyrol and SalzburgerLand are a personal favourite of many since it's a hotspot for rafting and kayaking, with white-water sections catering to beginners and pros.
Visit the Van Gogh Museum in Amsterdam
Explore the famous art of Van Gogh and get a glimpse at popular paintings like the ‘Sunflowers’. We'd also recommend exploring the temporary exhibitions in the modern wing of the museum. Remember to book in advance to avoid the long queues.
Make Chocolate in Switzerland
Visit a chocolate factory or join a workshop to learn how Swiss chocolate is made and snack on some. Some popular spots are the Lindt Home of Chocolate (near Zurich), Mastrani Chocolarium (near Appenzell) and Maison Cailler (near Lausanne).
Money-Saving Tips for Schengen Countries
Use local Transport
Avoid expensive cabs by using the local transport or apps like
Book tours in advance
Plan and book in advance using apps like GetYourGuide. They often have deals, discounts and offers to skip lines.
Use apps for dining
Use local food apps for discounts. Apps like Groupon or Too Good To Go offer discounts and reservations.
Look for Budget Stays
Try hostels or Airbnbs with apps like Hostelworld and Airbnb. This way, you can get discounts and local experience.
Travel during off-season
Visiting during the off-season means fewer crowds, and the travel costs are often cheaper than in peak season.
Use Interrail Passes
Get a Eurail or Interrail pass if you are visiting multiple countries. It is often cheaper than individual train tickets.
How is IndusInd Schengen Travel Insurance Better?
How is our product better than any other plan?
Features | IndusInd Individual Travel Plan | IndusInd Family Travel Plan | Other Insurer |
|---|---|---|---|
Medical Expenses | $500,000 | $250,000 | $500,000 |
Personal Liability | $250,000 | $200,000 | $100,000 |
Baggage Loss | $1500 | $1000 | $500 |
Loss of Passport | $300 | $300 | $200 |
Trip Cancellation | $600 | $600 | $500 |
Personal Accident | $30,000 | $25,000 | $15,000 |
Travel Insurance for Other Popular Destinations
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Australia Travel Insurance
Middle-East & Dubai Travel Insurance
Netherlands Travel Insurance
New Zealand Travel Insurance
Ireland Travel Insurance
Key Takeaways
IndusInd Schengen Travel Insurance (formerly known as Reliance Schengen Travel Insurance) meets the mandate for travel insurance requirements for securing a Schengen Visa. Starting at just 401*, our coverage options offer extensive protection of up to $500,000* against common travel-related issues. These include delayed or cancelled trips and damaged or lost baggage.
We also offer Indian travellers a 100% refund* for visa rejections, cashless services at any hospital, and a quick online purchase through our website. You’ll find that our Schengen travel insurance is fully customisable to cover senior citizens, solo and family travel, and covers all 29 countries.
With comprehensive coverage, tailored to meet Schengen visa requirements, you can now enjoy so many picturesque locations in the Schengen region. Our travel plans are more than just visa stamps - they’re the complete package for any traveller!
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