Schengen Travel Insurance Requirements for Indian Passport Holders: What You Need to Prepare!

Europe! The architecture, countryside, food, and beautiful scenery, Europe is all this and more! There is so much one can explore at that place and still miss it after returning home. About 60% of international tourism worldwide is Europe tourism, which increases yearly. But, since the COVID-19 pandemic, the numbers have decreased substantially. It is still the number one attraction for tourists all around the world.

If you are planning a trip to a few European countries, just know that you are about to have the best time ever. Even if you are visiting for educational or business purposes, just make sure you take all the necessary precautions, bring the necessary documents, and have an international travel insurance policy.

If you are going to stay in Europe for your higher studies, you might need your student travel insurance. You should keep reading this blog for more information about Schengen travel insurance.

We are going to understand what Schengen insurance is and what the requirements are for getting the same.

Schengen Travel Insurance

Some countries in Europe come under the area titled Schengen. If you are travelling to these countries, you are supposed to buy Schengen travel medical insurance that covers all the Schengen countries.

This Schengen insurance is a policy that financially protects the policyholders from any kind (covered) loss or damage that might occur when they visit Schengen counties.

How many countries are included in the Schengen area? 26!

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

Schengen Travel Insurance Requirements

If you want a visa for the Schengen area, you are supposed to fulfil some criteria.

  • Minimum Coverage

When you buy your Schengen travel insurance online, ensure that the policy provides at least €30,000 in coverage. (This means it should be at least ₹24,00,000.) This will guarantee that you have appropriate financial security and help from your insurance company. Hence, in case of unforeseen events such as medical emergencies, loss, theft, or natural disaster damage, you are compensated.

  • Including All Countries

Your insurance should be such that it should cover all the Schengen countries, as mentioned above in the table. Before you buy your Schengen insurance online, be sure to read the entire list of the countries. It is an essential factor for getting the Schengen visa.

  • Repatriation and Medical Evacuation

If you experience extreme medical issues in any of the Schengen countries, your insurance policy will take you to your motherland without any financial loss. This means if you need to be transferred back to India or to another medical institution, your insurance should pay the price of these treatments.

  • Eligibility

Who can apply for a Schengen visa or travel insurance? Any person who has an Indian passport, who is an Indian citizen, or is living in India for a prolonged time with a permanent or temporary resident permit.

Schengen Travel Insurance: Importance and Features


Schengen countries have particular criteria for anyone who enters there. This is totally for the protection and safety of their citizens and travellers from all around the world. Since it is mandatory to buy Schengen insurance for Indians before entering those countries, you will have to follow their regulations.

Intending to provide financial assistance and security to Indian citizens, Schengen insurance policies have great features that benefit them. To understand the importance of these policies, you will have to know the coverage and features that come with them.


1. Medical Emergency Coverage

In case of any kind of medical emergency, like an accident, deteriorating health condition, or common flu, the insurance will take care of the finances as mentioned in the policy. (It can be part or full coverage.)

2. Trip Cancellation/Delay Coverage

If you have to cancel your trip due to flight cancellation or any unforeseen circumstances, or even if it gets delayed, your insurance policy will compensate for your financial loss. It might be temporary accommodation or the next flight tickets.

3. Baggage Delay/Loss Coverage

In case of baggage loss, theft, or delay, the insurance company is responsible for the compensation.

4. Repatriation Coverage

If you are in a very bad health condition, your policy is in charge of getting you out of that country and to the preferred location. (It can be another hospital or your motherland, i.e., India.)


You may enjoy your vacation in the Schengen Area by being well-prepared with the appropriate Schengen travel insurance and savouring the different cultures, scenic landscapes, and historic landmarks Europe offers. Safe travels, and may your European vacation be unforgettable!