Travel Insurance for Schengen Visa from India: Buy Policy Online 2024 (2024)

Planning a trip to Schengen and European regions? Sounds exciting! However, with every foreign trip, certain unavoidable scenarios can across that may call for hefty expenses. To be stress-free, get travel and medical insurance for a Schengen visa online through ACKO. It’s immediate, customisable, and reasonable, and it’s accepted by all 29 countries in the Schengen area. It’s IRDAI-approved and comes with COVID-19 coverage at a competitive rate. Remember, for a Schengen visa application, travel insurance is a mandatory requirement.

The entire European continent, excluding Britain, is part of the European Union. So, to visit a European country, you’ll need a Schengen visa, which allows you to visit all 29 countries on the European continent without any hassle.

When applying for a Schengen visa, several documents need to be prepared. For Indian passport holders, providing proof of travel insurance is crucial. Essentially, this policy is designed to cover the expenses related to your trip, including baggage, medical emergencies, and any unforeseen circ*mstances.

However, Schengen countries have their own set of rules. They have specific criteria your travel health insurance should meet to ensure your visa is good to go. So, it’s mandatory for Indian passport holders applying for a Schengen visa to fulfil all the requirements.

For a Schengen visa from India, travel insurance must meet these requirements:

• The sum insured under your Schengen travel insurance must be at least 30,000 euros. (equivalent to ₹27,04,380 as of February 2024)

• There should be travel health insurance for Schengen to cover medical emergencies, accident-related hospitalisations, and medical repatriation costs

• The coverage should be provided in all member states of the Schengen area

To buy ACKO's travel insurance for Schengen, just follow these six simple steps:

Step 1: To begin, click here or download our app from Play or App Store

Step 2: Choose from our standard plan or customise your plan

Step 3: Give us the dates on which your trip will start and end

Step 4: Choose the coverage you want

Step 5: Fill up the details for you and your travel companions

Step 6: Pay online to get your coverage right away

Filing a claim with Acko's Travel Medical Insurance for Schengen is easy. Just follow these steps to make a claim:

Insurance for free medical care:

• Tell us where you are by sending an email to [emailprotected] or calling 01246174722

• We will send you an immediate list of hospitals in your area that do not require cash

• We will take care of paying the hospital bill while you keep getting care

Extra Covers:

• Send us an email at [emailprotected] or call us at 01246174722

• We will review your invoice or bill as soon as it is received

• Your refund should arrive in your bank account within a few days

Varun and Meera were finally going on their long-awaited trip to Europe. They had saved money for years and planned their trip for months. But things went badly when the hotel reservation was cancelled without warning. After this scary event, Varun called Acko's helpline right away and gave a full account of what had happened. Right away, Acko fully refunded them for the costs they had to pay because the reservation didn't go through, which let them book another hotel room.

Varun said as he thought back on the event."I was angry when we had trouble with our hotel on the first day of our trip. The hotel didn't do anything to help. ACKO was there for us. Thank you, ACKO, for helping us during those hard times."

The following section will help you prepare for a Schengen trip.

Here’s a list highlighting the 29 Schengen countries.

The Schengen Visa is divided into four categories or types - A, B, C, and D.

The Uniform Schengen Visa is the most common type of Schengen visa. It includes groups A, B, and C., including airport transit visas. With this visa, you can stay for a maximum of 90 days within a 6 month period in any country within the Schengen Zone.

1. Schengen visa type A, also known as an airport transit visa

If you are not a citizen of a Schengen country and have a connecting flight or need to transit through a Schengen airport, you can use a type A visa to do so. However, remember that you will not be permitted to enter the specific Schengen country.

2. Schengen visa type B

The type B visa, which was previously applicable to short-term trips of less than five days, has been replaced by the type C visa with transit conditions.

3. Schengen visa type C

The Schengen visa service issues short-stay visas for individuals who plan to remain in the area for fewer than 90 days over a period of 180 days. This visa allows you to travel freely throughout the Schengen area without additional visas or border checks.

Based on the purpose of your travel, the Schengen visa in category C for short stays can be:

• A Schengen visa with a single entry allows you to enter the area only once. Even if the validity period is still active, it will expire once you exit the area.

• A Schengen visa with double entries allows you two entries into the Schengen region during your Schengen visa's validity. The visa will expire after the second exit.

• A Schengen visa with multiple entries allows you to enter and exit the area multiple times. This permission is only valid for 90 days out of 180 days.

4. Schengen visa type D, also known as a national long-stay visa

A national visa is required if you intend to study, work, or reside in a Schengen country for over 90 days and up to a year. It's also called a type D long-stay Schengen visa. If you have this visa, you can reside in the Schengen area for a maximum of 90 days within 180 days of your visa’s validity.

The reasons to apply for a Category D visa include

• tourism,

• professional activities,

• studying, training, internships, and

• family visits.

Please note that the national visa is issued by the embassy of the Schengen country you intend to visit. Therefore, it is crucial to get in touch with the appropriate government agencies to learn about the precise needs and steps that must be taken.

Here are the steps to help you submit your Schengen Visa application in India.

Step 1: Download the application form via the Schengen Embassy website and fill it out accurately.

Step 2: Choose your Schengen Visa type and submit the application along with the requested documents.

Step 3: Pay the required fee and appear for the interview.

Step 4: Allow some time for processing to receive your visa.

These are the major documents required from an applicant for a Schengen Visa.

• Proof of accommodation in the destination country

• Duly filled out visa application

• Two recently taken passport photographs

• A valid passport

• Flight tickets and travel itinerary

• Health/travel insurance covering medical coverage of at least 30,000 euros

• Proof of finances to fund your stay in the foreign country

• Proof of employment

The following table shows the best places to visit in the Schengen area based on the weather conditions.

The tips mentioned below will help you choose the best travel insurance for Schengen countries.

• Look for different quotes to understand the travel insurance cost for Schengen Visa in India.

• Compare different options with respect to coverage range, premium, features and services.

• Select a sum insured based on the Schengen Visa guidelines, and according to the coverage range you select.

• Customise the coverage types to align with your travel purpose.

• Go through the claim process to avoid hassle at the time of raising claim requests.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [emailprotected] for any queries.