What is Schengen Travel Insurance?

As per the Schengen agreement, there are 26 selected European countries that belong to the Schengen area. It is mandatory to avail Schengen travel insurance policy as per the Schengen rules, in order to travel to these countries. Unless you have a valid Schengen travel insurance policy that conforms to the Schengen regulations, you cannot visit any of the Schengen countries. You can obtain Schengen travel insurance from major reputed providers such as Bharti AXA.

Countries included in the Schengen travel insurance policy

The 26 European countries that are included under the travel insurance policy are Austria, Czech Republic, Belgium, Denmark, Finland, Luxembourg, Estonia, Germany, France, Italy, Greece, Hungary, Latvia, Iceland, Malta, Lithuania, Liechtenstein, Norway, Netherlands, Slovenia, Poland, Spain, Portugal, Slovakia, Switzerland, and Sweden.

To get a visa to any of these countries, you need to have Schengen travel insurance.
  • Why do you need Schengen travel insurance?
  • Schengen travel insurance offers cashless hospitalization cover.
  • It covers accidental injuries that might occur on the trip.
  • It offers personal accident cover.
  • It also offers third-party damage cover.
  • Emergency medical expenses incurred during the trip are covered under this insurance policy.
  • It also offers medical evacuation cover.
  • Loss of passport is also covered under the policy.
  • The policy offers coverage for the total loss of checked-in baggage.
Requirements for Schengen Visa Insurance
Your Schengen travel insurance must have a minimum coverage of 30,000 Euro.
The policy must provide coverage for any unforeseen medical emergencies like illnesses, accidental injury, etc.

This medical travel insurance must be valid in all the 26 Schengen countries.
  • Types of Schengen Visa
  • National Visa
  • Tourist Visa
  • Airport Transit Visa
  • Business Visa
  • Visiting Family and Friends
  • Study Visa
  • Official Visit
  • Medical Reasons
  • Schengen Visa Procedure

The procedure for Schengen visa must be started 15 days before the trip by submitting the visa application. You should apply for it 30-60 days prior to the trip. The application can also be submitted 3 months before the plan of taking the trip.

The things to consider apart from the Schengen travel insurance policy while applying for the Schengen visa are:

If you are planning to visit only one Schengen country, then you would need to apply for the visa with the particular country’s consulate or embassy.

If you are visiting more than one country, then you need to apply for the visa with the consulate or embassy of your main destination country.

If you are planning to visit more than one country and there is no main destination, then you can apply for a visa with the consulate or embassy of the country from where you will be entering the Schengen territory.