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
Travel Insurance for Schengen from India
From enjoying a coffee in one of Rome's beautiful piazzas to walking down the romantic streets of Paris, Indian tourists can have a great time in Europe. France, Germany, Italy and Spain attract millions of tourists with their rich history, beautiful architecture and dynamic cultures. But even the most carefully planned European holiday can face unexpected challenges; a sudden illness in Barcelona, lost luggage at Amsterdam's airport or a missed flight connection in Frankfurt can quickly disrupt your trip.
That's where travel insurance for Schengen visas becomes essential. Schengen travel insurance is a travel medical insurance plan that covers emergencies like illness, accidents, trip delays, and baggage loss when you visit Schengen countries. Since a Schengen visa allows visa-free travel across 29 European countries, it requires mandatory Schengen-compliant travel medical insurance with a minimum coverage of €30,000.
IndusInd Schengen Travel Insurance (formerly Reliance Schengen Travel Insurance) meets all these visa requirements while offering you much more. Our 100% digital, IRDAI-approved policy gives you instant coverage, a quick claims process through the IndusInd Insurance app, and 24/7 customer support anywhere in Europe. We'll protect your trip so you can focus on making memories, whether you're backpacking through several countries or taking a family vacation.
IndusInd Schengen Travel Insurance – At a Glance
What Is Schengen Travel Insurance & Why Is It Mandatory?
What Is Schengen Travel Insurance?
Schengen travel insurance is a special insurance that provides financial protection during your European trip. It covers unexpected medical emergencies, hospitalisation, accidents, baggage loss, and trip delays when you visit any of the 29 Schengen countries. This travel medical insurance for Schengen visa must provide a minimum of €30,000 coverage for medical expenses. It's a legal requirement for getting your Schengen visa approved.
Why Is Schengen Travel Insurance Mandatory for Visa Approval?
When you apply for a Schengen visa, you must submit proof of travel insurance for Schengen visa that meets these requirements:
✓ Minimum €30,000 coverage for medical emergencies and hospitalisation
✓ Valid for your entire stay in the Schengen Area
✓ Valid across all 29 Schengen member states
Covers medical treatment, emergency hospitalisation, medical evacuation, and repatriation.
Without proper Schengen travel medical insurance, your visa application will be rejected. Embassy officials check your insurance documents carefully during the visa interview.
Is Schengen Travel Insurance the Same as Europe Travel Insurance?
Not exactly. Schengen travel insurance is specifically designed to meet mandatory visa requirements for the 29 Schengen countries with minimum €30,000 coverage.
Europe travel insurance is broader and can cover any European country, including non-Schengen countries like the UK or Ireland. However, it may not meet Schengen visa requirements. If you're applying for a Schengen visa, you must buy insurance that meets the €30,000 minimum requirement. IndusInd Schengen Travel Insurance meets all Schengen visa requirements.
Benefits of IndusInd Schengen Travel Insurance
Medical Emergencies & Hospitalisation
Get coverage up to $500,000* for emergency doctor visits, hospital stays, emergency dental treatment, COVID-19 hospitalisation, and medical evacuation from Schengen countries.
Coverage for Trip Delays & Cancellations
We cover costs from flight delays, trip cancellations, missed connections and rescheduling, so unexpected changes don't leave you stranded or out-of-pocket.
Baggage Loss, Delay & Passport Loss
Get your money back for buying things like clothes and items that you need if your luggage gets lost or delayed, and get help replacing a lost passport
Personal Liability & Accidental Injury
Coverage for third-party liability claims and injuries you get while you're travelling, keeping you safe from unexpected court fees and settlement costs while you're away.
Visa Rejection Refund & All-Around Coverage
Get 100%* premium refund if your Schengen visa is rejected, plus multi-country coverage across all 29 Schengen states for individuals and families.
24/7 Worldwide Support & Easy Claims
Access 24/7 assistance through Europ Assistance worldwide, file paperless claims via app and track them at your fingertips.
Types of Travel Insurance for Schengen Visa
Single-Trip Schengen Travel Insurance
Single-Trip travel insurance plans are designed to offer complete coverage for a single journey to and from the Schengen region. This ideal for solo, couple or family travellers visiting any/many of the schengen countries. It covers the entire trip duration, starting from your departing airport to your trip in the Schengen region and back home.
Multi-Trip Schengen Travel Insurance
You no longer need to buy a 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.
Optional Add-ons & Customisation
Add-on Covers: You can customise your travel insurance for Schengen visa with these optional add-ons:
Adventure sports cover: For activities like skiing in Switzerland, scuba diving or paragliding
High-value gadget cover: Extra protection for expensive cameras, laptops or electronics
Home burglary insurance: Burglary protection for your home here, while you're travelling abroad
These add-ons give you extra protection based on your specific travel needs and activities.
Who Can Be Covered?
Individual plans: Coverage for solo travellers of any age
Family floater plans: One policy covering you, your spouse and up to two dependent children under 21 years
Senior citizen plans: Special coverage for travellers aged 60-80 years with age-appropriate benefits
Non-family companions: You can add travel companions who are not family members to group policies
Age limits: Children must be at least 3 months old; maximum age is typically 80 years
You can add/remove members based on who's travelling with you on each trip.
Who Should Buy Schengen Travel Insurance?
First-Time Europe Travellers & Tourists
Planning your first Europe trip to see the Eiffel Tower or explore Rome's ancient ruins is exciting, but unfamiliar destinations bring unexpected challenges. Schengen travel insurance is mandatory for your visa and protects you from high medical costs, lost baggage, and travel delays in foreign countries.
Frequent Business Travellers
If you travel to Europe multiple times for work meetings, conferences or client visits, buying travel insurance for Schengen visa every trip becomes expensive and time-consuming. Multi-trip policies save you money, meet visa requirements automatically, and keep you covered for emergency medical situations or trip disruptions throughout the year.
Students Going to Schengen Countries
Students heading to Europe for short courses, exchange programs or educational tours need Schengen travel insurance not just for visa approval but also for protection. Young travellers face risks like accidents, illness in unfamiliar environments or lost documents and insurance provides financial safety far from home.
Senior Citizens & Family Travellers
Medical crises are more probable and costly overseas, so older travellers and families with children require additional safety during European vacations. Travel insurance for Schengen visa includes hospital stays, emergency evacuations, and medical needs that come up out of the blue, like a sick child or an old parent.
Schengen Countries Covered Under the Policy
France
Germany
Belgium
Netherlands
Luxembourg
Switzerland
Austria
Liechtenstein
Spain
Portugal
Italy
Greece
Malta
Romania
Bulgaria
Denmark
Sweden
Norway
Finland
Iceland
Poland
Czech Republic (Czechia)
Slovakia
Hungary
Slovenia
Croatia
Estonia
Latvia
Lithuania
Popular Itineraries from India
- Classic Western Europe (10-14 days): France (Paris) → Switzerland (Zurich, Interlaken) → Italy (Milan, Venice, Rome)
- Mediterranean (12-15 days): Spain (Barcelona, Madrid) → France (Nice, Monaco) → Italy (Florence, Rome)
- Northern Lights & Fjords (8-12 days): Norway (Oslo, Bergen) → Sweden (Stockholm) → Denmark (Copenhagen)
- Central Europe (10-12 days): Germany (Munich, Berlin) → Austria (Vienna, Salzburg) → Czech Republic (Prague)
Coverage of IndusInd Schengen Travel Insurance
Medical & Health Cover
Covers emergency treatment, hospital stays, evacuations, repatriation, dental emergencies and COVID-19-related expenses.
Travel Inconvenience Cover
Reimburses costs for flight delays, missed connections, trip cancellations, interruptions and rescheduling expenses.
Belongings & Documents Cover
Compensates for delayed or lost baggage, stolen passports and missing wallets or documents.
Financial & Personal Liability Cover
Protects you if you accidentally injure anyone or damage their property during travel.
Optional Add-ons (If Offered)
Extra coverage for adventure sports, expensive items, trip cancellations and home burglary protection.
What Is Not Covered – Schengen Travel Insurance Exclusions
Eligibility Criteria for Buying Schengen Travel Insurance
How Much Does Schengen Travel Insurance Cost from India?
Factors That Decide the Premium
Age Factor
If you're under 40, you'll pay less for travel insurance. Travellers between 60 and 90 years old pay two to three times more because older people face higher health risks when travelling abroad and need more medical attention (Covered under our senior citizen travel plan).
Trip Duration
Longer vacations cost more to insure than shorter ones. A month-long trip requires a higher payment than a week-long getaway because you're covered for more days, which means greater chances of needing help or facing problems.
Coverage Amount
Basic plans covering €30,000 are cheaper and suitable for short trips. Higher coverage up to $500,000 costs more but provides maximum protection for serious medical emergencies. Choose based on your destination and health needs.
Plan Type
Single-trip insurance covers one trip at under one policy while with an annual multi-trip plan, you can take as many trips as you want all year long (all covered under the same policy). They cost more up front, but they save you money and effort if you a frequent flyer.
Add-ons Selected
Extra coverage for adventure activities like skiing or scuba diving increases costs. Protection for expensive cameras, laptops or home burglary insurance while traveling add more to your total based on selections.
Want to know about Travel Insurance in detail?
Speak to Experts!
Schengen Travel Insurance Premiums
Coverage | Premiums |
|---|---|
$50,000 | ₹726 |
$100,000 | ₹1,630 |
$250,000 | ₹2,419 |
$500,000 | ₹4,397 |
Disclaimer: These are the average premium for a healthy person travelling to Schengen countries for 6 months. Actual rates may vary based on age, time period and health condition.
How to File a Schengen Travel Insurance Claim
Visit the Claim Page: Go to the IndusInd General Insurance website and click "File a Claim."
Select Travel Insurance: Choose "Travel Insurance" and then select "Schengen Travel Insurance" as your policy type.
Enter Policy Details: Fill in your policy number, travel dates and personal information as per your policy document.
Describe Your Claim: Explain the incident (medical emergency, lost baggage or flight delay) with date, time and location.
Upload and Submit: Upload required documents (medical bills, police reports, receipts) and submit within 30 days of the incident.
Disclaimer: For medical emergencies, inform the Emergency Assistance Provider within 24 hours of hospitalisation. For the complete list of documents, please refer to your policy documents.
Cashless vs Reimbursement Claims
Aspects | Cashless Claims | Reimbursement Claims |
|---|---|---|
When to Use | Medical emergencies requiring immediate hospitalisation | When cashless facility unavailable or expenses already paid |
First Step | Contact Assistance immediately for hospitalisation approval | Pay for treatment, baggage or other expenses yourself |
Payment Process | No upfront payment needed (except deductible amount mentioned) | You pay first, claim refund later from company |
Settlement | Hospital receives payment directly from Europ Assistance provider | You receive claim amount in Indian Rupees after approval |
Documentation | TPA handles all paperwork and hospital coordination required | You must submit all original documents to process claim |
Best For | Emergency situations without time or resources for payments | Non-emergency expenses or when hospital doesn't accept cashless |
Claim Settlement Timelines & Support
Claims settled within 30 days of receiving documents
Emergency calls are answered immediately. Call: 022 4890 3009
Email services@indusindinsurance.com for claim status updates
Use our app for instant notifications updates
Best Time to Visit Schengen Countries
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
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
September to November - Less Crowded
Autumn brings cooler weather with temperatures 8°C to 20°C across Europe.
Perfect for: Budget-conscious travelers seeking affordable trips.
Tourist Flow: Declining significantly. Shorter queues at attractions and peaceful sightseeing.
Flights and Hotel Rates: Moderate to low. Great deals available.
Return Airfare from India: ₹52,000–₹80,000
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
Top 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).
Travel insurance starting at just ₹306*!
Chase Adventures, We've Got Your Back!
From last minute detours to unexpected delays, travel worry-free with insurance that moves with you. Fast, affordable coverage so nothing slows you down!
City Breaks & Short Itineraries from India
Historical Landmarks: Explore Paris' Eiffel Tower, Rome's Colosseum and Athens' Acropolis for memorable experiences.
Scenic Beauty: Explore Norway's fjords, the Swiss Alps for skiing and Iceland's geothermal hot springs with stunning views.
Art Museums: Discover Paris' Louvre, Madrid's Prado and Amsterdam's Rijksmuseum treasures.
Local Cuisine: Taste authentic pasta in Italy, Spanish tapas in Barcelona and fresh pastries in Vienna's cafes.
Cultural Festivals: Experience Oktoberfest in Munich, Venice Carnival in Italy and La Tomatina festival in Spain.
Beach Relaxation: Unwind on the Greek Islands, the French Riviera beaches and Portugal's beautiful coastal towns with the sun.
Adventure Activities: Try skiing in the Swiss mountains, hiking in the Pyrenees and glacier tours in Iceland's wilderness.
Safety & Insurance Tips While Exploring
Emergency Coverage: Keep your emergency helpline numbers saved on your phone for quick access during medical situations.
Adventure Protection: Buy an adventure sports add-on if planning skiing, diving or paragliding to avoid claim rejection later.
Document Safety: Keep photocopies of passport and insurance policy separately from originals in hotel safe.
Medical Awareness: In your trip app, make a list of nearby hospitals and check to see which ones accept credit cards.
Baggage Security: Do not leave your bags unattended in public places or your claim will not be paid.
Police Reports: Report thefts to police within 24 hours and get written reports for insurance claims.
Policy Understanding: Before doing risky sports, make sure you read the coverage. Some of them need extra safety.
Emergency Contacts: For speedy assistance, share your insurance policy and emergency contacts with travel companions.
Money-Saving Tips for Schengen Countries
Transport & Local Commute
Public Transport: Use the metro, buses and trams instead of expensive taxis to save 50-70% on travel costs.
Rail Passes: You can save money on train travel across several countries if you buy a Eurail or Interrail pass.
City Cards: Get tourist cards like Paris Pass or Berlin Welcome Card for free public transport access.
Walking Tours: Explore cities on foot using free apps like Google Maps or Citymapper for directions.
Bike Rentals: Rent bicycles in Amsterdam, Copenhagen or Vienna for cheap and eco-friendly city exploration.
Airport Transport: Take public buses or trains from airports instead of private taxis to save money.
Group Tickets: Travel with friends or family to get group discounts on public transport tickets.
Booking & Stay Hacks
Advance Bookings: Book flights and hotels 2-3 months early to get 30-40% cheaper rates than last-minute bookings.
Shoulder Season: Travel in April-May or September-October for pleasant weather and 40-50% lower accommodation costs than summer.
Hostel Stays: Stay in hostels instead of hotels to pay ₹1,000-2,000 per night versus ₹8,000-15,000 in hotels.
Airbnb Apartments: Rent apartments with kitchens on Airbnb to cook meals and save dining expenses.
Compare Websites: Check Booking.com, Agoda, and Hotels.com together to find the lowest prices for accommodations.
Food, Attractions & Passes
Local Markets: Shop at local supermarkets like Lidl or Aldi and cook meals to save 60-70% on food.
Lunch Specials: Eat main meals during lunch hours when restaurants offer special menus at half price.
Street Food: Try local street food and bakeries for authentic tastes at ₹200-500 instead of ₹2,000-3,000 restaurant meals.
Free Museums: Visit museums on free entry days (usually the first Sunday of each month in many cities).
City Passes: Buy combo passes covering multiple attractions to save 20-30% versus individual entry tickets.
Picnic Lunches: Buy bread, cheese and fruits from markets for scenic picnics in parks and gardens.
Water Bottles: Carry reusable bottles and refill from public fountains instead of buying expensive bottled water.
How Travel Insurance Helps Save Money
Medical Bills: Schengen travel insurance covers hospital costs up to $500,000*, saving you from paying huge medical bills.
Trip Cancellation: Get refunds on non-refundable bookings if you cancel due to emergencies covered by insurance.
Baggage Protection: Receive up to $1,500* compensation for lost luggage instead of losing all your belongings.
Emergency Evacuation: Insurance pays for medical evacuation to India (costing lakhs) if you're seriously injured abroad.
Lost Passport: Get up to $300* reimbursement for emergency passport costs instead of paying from your pocket.
Emergency Cash: Receive instant cash assistance if your wallet is stolen, avoiding expensive money transfer fees.
Legal Protection: Insurance covers up to $200,000* for third-party liability claims, protecting your savings from lawsuits.
Pre-paid Treatment: Use cashless facilities at network hospitals without having to pay up front, which will help you save money on your trip.
Multiple Claims: One travel insurance for Schengen visa policy protects against multiple issues during your entire trip.
At IndusInd General Insurance (formerly Reliance General Insurance), we put you at the centre of product design. From high medical coverage up to $500,000 to smartphone-enabled claims and policy management, our travel insurance works the way you do. As an IRDAI-approved insurance provider, we ensure 100% transparency in pricing, claims, and coverage. So, no matter where your travels take you, your trips stay centred on soaking up new experiences, while we take care of any trip emergencies that come your way.
Baggage Loss & Delay*
Daily payouts* for luggage mishaps
24/7 Customer Support*
Get help anywhere in Europe
AI-Powered App*
Quick processes and 24/7 support
No Medical Check-ups*
Just apply, pay and download!
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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