शेंगेन ट्रैवल इंश्योरेंस

Key Features of Schengen Travel Insurance

केयर हेल्थ इंश्योरेंस का शेंगेन ट्रैवल इंश्योरेंस निम्नलिखित विशेषताओं के साथ आता है:

*Please note that the features mentioned in the plan are for reference purposes only. Readers should refer to the brochure for more details on product features

शेंगेन ट्रैवल इंश्योरेंस: प्लान पर एक नज़र

When purchasing Schengen Travel insurance, always understand the plan highlights carefully. First, decide whether you need standalone, family or student travel insurance. Further, consider whether you wish to buy a single-trip or multi-trip option. Often, various plans may need clarification on the minimum and maximum entry age of a travel insurance plan for a Schengen insurance visa. Here, the table mentioned below can be of help:

*फैमिली विकल्प केवल सिंगल ट्रिप पॉलिसी पर उपलब्ध है।

शेंगेन ट्रैवल इंश्योरेंस के तहत क्या कवर किया जाता है?

When choosing Schengen travel insurance from India, you must assess the coverage to ensure you are comprehensively covered for your overseas trip. The best travel insurance for the Schengen region will offer medical assistance and back you up in non-medical contingencies.

आइए, शेंगेन एरिया यात्रा बीमा प्लान के तहत केयर हेल्थ इंश्योरेंस द्वारा प्रदान किए गए कवरेज पर चर्चा करें: 

• Hospitalisation Expenses: Our travel insurance for the Schengen region covers you for expenses incurred in seeking medical assistance in a foreign country. The medical insurance covers you for in-patient and out-patient care benefits.
• Daily Allowance: We will reimburse the daily expenses for a specified amount per day, up to a maximum of five days per claim, in case of hospitalisation.
• कंपैशनेट विज़िट: केयर हेल्थ इंश्योरेंस द्वारा शेंगेन ट्रैवल इंश्योरेंस "कंपैशनेट बेनिफिट" के तहत बीमित व्यक्ति के परिवार के करीबी सदस्य के लिए इकॉनमी क्लास फ्लाइट टिकट की 2-वे लागत की प्रतिपूर्ति करता है।
• Personal Accident: The Schengen travel insurance bought from Care Health Insurance offers a lump sum amount up to a maximum of five days per claim, in case of hospitalisation, the sum insured in the event of the insured’s death or long-term disability.
• यात्रा में देरी और कैंसलेशन: देरी या फ्लाइट कैंसलेशन के कारण होने वाले किसी भी नुकसान को केयर हेल्थ इंश्योरेंस से खरीदे गए शेंगेन ट्रैवल इंश्योरेंस द्वारा क्षतिपूर्ति की जाएगी।
• Delay & Loss of Checked-in Baggage: The travel health insurance for Schengen visa makes sure you are not alone when retrieving your lost belongings. Thus, the plan covers non-medical emergencies such as trip delays or loss of checked-in baggage.
• पासपोर्ट और इंटरनेशनल DL का खोना: केयर हेल्थ इंश्योरेंस का ट्रैवल इंश्योरेंस प्लान आपको पासपोर्ट खोने या इंटरनेशनल ड्राइविंग लाइसेंस जैसी समस्याओं में फंस जाने पर फाइनेंशियल सहायता देकर तनाव को कम करने में मदद करता है।
• कोविड-19 कवरेज: शेंगेन क्षेत्र के लिए ट्रैवल इंश्योरेंस कोविड-19 वायरस के इंफेक्शन के कारण होने वाले स्टैंडर्ड मेडिकल खर्चों को कवर करता है।

शेंगेन यात्रा बीमा पॉलिसी के तहत क्या कवर नहीं किया जाता है?

शेंगेन ट्रैवल इंश्योरेंस निम्नलिखित परिस्थितियों में कवरेज प्रदान नहीं करता है:

• Drug Misuse: Any expenses incurred due to use/ overuse/ misuse of alcohol, drugs or sedatives shall not be covered in the Schengen tourist insurance. 
• विश्व युद्ध: राष्ट्रीय/अंतर्राष्ट्रीय युद्ध या परमाणु युद्ध से उत्पन्न मेडिकल या नॉन-मेडिकल क्लेम को शेंगेन यात्रा बीमा में क्षतिपूर्ति नहीं की जाएगी।
• Self-inflicted Injury: Injuries caused by intentional actions, such as suicide attempts shall not be covered in your travel insurance.
• खतरनाक गतिविधियां: शेंगेन क्षेत्र के लिए आपका यात्रा बीमा खतरनाक गतिविधियों जैसे फायर स्टंट, रोड स्टंट आदि सहित किसी भी क्लेम को कवर नहीं करेगा।
• Breach of Law: Your Schengen area travel insurance shall not cover claims arising due to liability or breach of law.
• दांतों का इलाज: दांतों के प्लान किए गए इलाज या सर्जरी के कारण होने वाले खर्चों को तब तक कवर नहीं किया जाएगा, जब तक कि तेज़ दर्द के कारण डेंटिस्ट द्वारा इसे अनिवार्य नहीं किया जाए।

ध्यान दें: प्लान की विशेषताएं, लाभ, कवरेज और क्लेम अंडरराइटिंग पॉलिसी के नियम और शर्तों के अधीन हैं। कृपया ब्रोशर, सेल्स प्रॉस्पेक्टस और पॉलिसी डॉक्यूमेंट को ध्यान से देखें।

Benefits of Buying Schengen Travel Insurance

While travel medical insurance is necessary for a Schengen Visa, it must also be prioritised for your safety. You must consider buying a comprehensive Schengen tourist insurance for your Europe trip as an essential step, not a mere formality. Here are some of the benefits discussed of buying the Schengen insurance:

• Medical Coverage: Getting sick or injured in another country can be expensive. Schengen travel insurance helps pay for doctor visits, hospital stays, medicines, and emergency treatment. This way, you can get the treatment you need without worrying about the hefty bills.
• Trip Cancellation or Interruption: In some cases, plans change because of illness, injury, family emergencies, or natural disasters. If you need to cancel or cut your trip short, the insurance can pay you back for things like non-refundable tickets or hotel bookings.
• Lost or Delayed Checked-in Baggage: If your checked-in luggage gets lost, stolen, or delayed, the insurance will compensate you up to a specified limit so that you’re not stuck without your stuff.
• Trip Delay: If your flight is delayed and you have to spend extra on food or a place to stay, the insurance may pay you back for those extra costs.
• Personal Liability: If you accidentally hurt someone or damage a third party property during your trip, Schengen tourist insurance can help you deal with the liability charges, so you don’t have to go through the hassle alone.
• 24/7 Help Anywhere: The Schengen travel insurance plans give you access to a 24/7 helpline. You can talk to someone in your language to get help with medical emergencies, lost passports, or any travel problems.
• Value-Added Services: With Schengen travel insurance from Care Health Insurance, you get access to value-added services such as Medical Evacuation, Emergency Medical Repatriation, and a psychological hotline through the Assistance Service Provider. 

*Please refer to the policy wording to understand how Value Added Services work, or you can take a quick call to understand the coverage in detail.

शेंगेन ट्रैवल इंश्योरेंस का प्रीमियम क्या है?

The travel health insurance for Schengen visa offered by Care Health Insurance is affordable and budget-friendly. Our travel healthcare insurance premium for the Schengen zone starts at around Rs. 522 *for a single traveller on a week-long visit. For instance, if you are travelling from India to France, Spain, and Italy on a week-long, one-time visit, the approximate premium cost of your travel insurance with a sum insured of € 30K is calculated as below:

*ऊपर बताए गए यात्रा बीमा प्रीमियम की गणना इस आधार पर की गई है कि बीमित सदस्य को पहले से कोई बीमारी नहीं है। यह माना जाता है कि बीमित सदस्यों को पिछले 48 महीनों में डायग्नोस नहीं किया गया है, हॉस्पिटल में भर्ती नहीं किया गया है या कोई इलाज नहीं किया गया है। इसके अलावा, अगर बीमित व्यक्ति ने पहले से ही किसी ट्रैवल पॉलिसी का क्लेम किया है, तो प्रीमियम राशि में बदलाव हो सकता है।

Factors Affecting the Premium of Travel Insurance for Schengen Visa

Choosing the right travel insurance plan can be challenging, especially if this is your first European journey. At Care Health Insurance, we will assist you in finding the perfect travel health insurance that meets your unique healthcare and trip-related needs so that you can enjoy a hassle-free tour. Here are a few essential things to consider before finalising travel medical insurance for Schengen countries:

• शेंगेन अप्रूव्ड ट्रैवल इंश्योरेंस: शेंगेन क्षेत्र में यात्रा करते समय, यात्रा बीमा शेंगेन वीज़ा के लिए मान्य है या नहीं, यह चेक करना आवश्यक है।
• Frequency of Trip: Before opting for Schengen travel insurance, always determine whether you travel once in a while or will take multiple trips during the year! Suppose you have plans to also travel to Dubai and Thailand in the coming year then, rather than opting for separate travel insurance for Dubai, Schengen region and travel insurance for Thailand, you can opt for multi-trip travel insurance that caters to your needs.
• Trip Duration: The Schengen tourist insurance premium is calculated based on the number of days you plan to spend in Schengen destinations. The shorter the trip, the lower the premium.
• Medical history: Although mentioning a pre-existing condition may result in a hike in your premium, you must always ensure that your plan accommodates your pre-existing health conditions.
• एडवेंचर स्पोर्ट्स एक्टिविटीज़: यूरोप की आपकी एडवेंचरस ट्रिप का मतलब यह नहीं है कि यह आपकी जेब पर भारी पड़ सकता है। अगर आप एडवेंचर एक्टिविटीज़ के लिए प्रसिद्ध शेंगेन देश जा रहे हैं, तो आपको यह चेक करना चाहिए कि आपकी पॉलिसी एडवेंचर या स्पोर्ट्स में लगी चोटों को कवर करती है या नहीं।

How to Buy the Best Travel Insurance for Schengen Online?

भारत से शेंगेन क्षेत्र की यात्रा करते समय आवश्यक डॉक्यूमेंट

If you're planning a trip from India to Schengen countries, here is a simple guide to help you prepare all the required documents:

• Travel Insurance Certificate: This official document proves you have purchased Schengen travel insurance. It outlines the specific coverage you have, which should be in line with the Schengen visa requirements.
• Visa Application Form: The Schengen visa application form is required to apply for a visa to any Schengen Area country.
• Passport Copy: A photocopy of the biometric page of your passport, showing your personal details and photograph.

शेंगेन देशों के लिए ट्रैवल इंश्योरेंस के तहत क्लेम कैसे फाइल करें?

शेंगेन वीज़ा क्या है?

A Schengen visa is a short-term visa that lets people who are not from the EU visit and stay in the Schengen area for up to 90 days. It is for purposes like tourism, business trips, visiting family, or just passing through the area on your way to another destination.

शेंगेन वीज़ा के लिए कैसे अप्लाई करें?

The application procedure for a Schengen Visa is seamless and straightforward. One needs to gather all the required documents and purchase a Schengen visa travel insurance before applying. Here are the steps to apply for a Schengen visa:

चरण 1: अपने वीज़ा का प्रकार चुनें

Decide on the type of visa, from uniform, airport, single, double, or multiple-entry visas as per your travel requirements. To find out which visa suits you, scroll down to the 'Types of Visa' section.

चरण 2: कहां अप्लाई करना है, उसे चुनें

Find out where you need to apply—a visa centre where your destination country's embassy has outsourced visa submission, or the embassy itself.

चरण 3: आदर्श समय के लिए चेक करें

शेंगेन वीज़ा के लिए अप्लाई करने का सही समय जानें। आदर्श रूप से, आपको अपनी यात्रा शुरू होने से तीन से चार सप्ताह पहले अपनी शेंगेन वीज़ा एप्लीकेशन सबमिट करनी चाहिए।

चरण 4: अपॉइंटमेंट बुक करें

To start your application process, you must book an appointment with the embassy or consulate where you have applied. Appointments can be booked online or in person.

चरण 5: वीज़ा एप्लीकेशन फॉर्म भरें

There's a common Schengen visa application form for all, no matter which country you are applying from. Fill in all your details, including personal information, background, and the purpose of travelling, among other trip-related information. Don't forget to print out two copies of the form and attest both.

चरण 6: अपने डॉक्यूमेंट तैयार रखें

Like any other visa application, the Schengen visa application requires documents. While gathering your documents, you should collect your valid passport, two identical photos, a travel insurance policy, flight itinerary, proof of accommodation, etc.

चरण 7: वीज़ा इंटरव्यू में भाग लें

Present your documents to the visa counsellor, who will conduct a brief interview about your background, travel purposes, security-related checks, etc. The interview ensures that your trip and others are safe and sound.

चरण 8: वीज़ा शुल्क का भुगतान करें

The visa fee is generally non-refundable, as per the authorities. However, we will reimburse the fee if the visa is rejected due to no fault of your own. You must always check for the refund provision before paying the visa fee. You can pay the Schengen visa fee quickly through online payment methods.

चरण 9: फॉलो-अप

Stay in touch with the embassy regularly to check on your visa status. Once your visa is approved, wait to receive your passport with the visa, and then you’ll be ready to start your journey. 

Documents for Schengen Visa

आप अपनी यात्रा की तिथि से 6 महीने से 15 दिन पहले तक शेंगेन वीज़ा के लिए अप्लाई कर सकते हैं। हालांकि, वीज़ा अथॉरिटी को आपके वीज़ा को अप्रूव/अस्वीकार करने में 10-15 दिन लग सकते हैं, इसलिए शेंगेन वीज़ा के लिए अप्लाई करने के लिए अंतिम मिनट तक प्रतीक्षा न करने की सलाह दी जाती है।

Later, you can submit the below-mentioned documents for Schengen visa to the embassy or consulate near to you:

• ट्रैवल इंश्योरेंस पॉलिसी
• वीज़ा एप्लीकेशन फॉर्म की हस्ताक्षरित कॉपी
• हाल ही में क्लिक किए गए दो पासपोर्ट-साइज़ फोटो
• जन्मतिथि का प्रमाण
• पते का प्रमाण
• एम्प्लॉयमेंट कॉन्ट्रैक्ट
• एक मान्य पासपोर्ट (जो दस वर्ष से अधिक पुराना नहीं है)
• यात्रा कार्यक्रम
• आवास का प्रमाण
• बैंक अकाउंट स्टेटमेंट
• इनकम टैक्स प्रूफ

Most Popular Destinations in Schengen Countries

The Schengen area is home to some of Europe’s most iconic travel destinations. From historic capitals and cultural hubs to stunning coastlines and alpine getaways, here's a detailed look at the must-visit spots across various Schengen countries:

• France: France is a top travel destination, with Paris at the heart of it all. Known as the “City of Light,” Paris offers world-famous landmarks like the Eiffel Tower, the Louvre Museum, and the charming streets of Montmartre.
• Italy: Italy is a cultural, art, and history treasure trove. In Rome, visitors can explore ancient landmarks such as the Colosseum, the Roman Forum, and the Vatican City. Florence, the birthplace of the Renaissance, is renowned for its museums, cathedrals, and Tuscan cuisine.
• Spain: Spain combines a rich heritage with a lively modern culture. Travellers admire Gaudí’s unique architecture in Barcelona, including the Sagrada Família and Park Güell. Madrid, the capital, boasts elegant boulevards, the Royal Palace, and world-class art museums like the Prado. 
• Netherlands: The Netherlands, particularly Amsterdam, is famous for its scenic canals, historic buildings, and museums like the Van Gogh Museum and Anne Frank House. Bicycles are the preferred mode of transportation, giving the city a relaxed and eco-friendly vibe.
• Germany: Germany blends modern cities with medieval towns and natural beauty. In Berlin, visitors explore historical sites such as the Berlin Wall, Brandenburg Gate, and Museum Island.
• स्विट्जरलैंड: स्विट्जरलैंड प्रकृति प्रेमी और एडवेंचर चाहने वालों के लिए एक स्वर्ग है। लुसर्न, जूरिच और जेनेवा जैसे शहर स्वच्छ, अच्छी तरह से संगठित और संस्कृति से भरपूर हैं।

शेंगेन देशों की यात्रा के लिए सबसे अच्छा समय

The best time to visit Schengen countries depends on your travel style, what you're hoping to do (sightseeing, skiing, hiking, festivals, etc.), and which specific countries you're visiting.

• April to June: Flowers bloom, especially in the Netherlands. The weather is nice across most countries.
• September to October: Still warm in many places. Great for seeing fall colours and enjoying food festivals.
• December to March: Best for winter sports. Christmas markets are beautiful in December. Just be prepared to deal with the cold weather.

शेंगेन देशों में करने लायक चीजें

There’s so much to do across the Schengen Area since it includes diverse countries with different cultures, landscapes, and communities. Here’s a list of exciting things to do:

• Adventure & Outdoor Activities: If you love nature, hiking, skiing, and outdoor exploration, the Schengen Area has plenty to offer. You can also explore the Dalmatian Coast, kayak, or sail through the hidden coves and beaches.
• Cultural & Historical Exploration: If you enjoy diving into the past and exploring historic landmarks, these activities are for you:
  • See Hohenwerfen Castle or Schloss Ort in the Austrian Alps.
  • Visit Neuschwanstein Castle in Bavaria, which is the inspiration for Disney’s Sleeping Beauty Castle.
  • बर्लिन के म्यूजियम आइलैंड के बारे में जानें, जिसमें कई ऐतिहासिक संग्रहालय हैं।
• Food & Drink Experiences: If you’re a foodie, the Schengen countries offer incredible local food, drinks, and culinary experiences. Discover wines in Tuscany and Piedmont while enjoying traditional Italian food.

List of Countries in the Schengen Region

शेंगेन क्षेत्र यूरोपीय महाद्वीप का एक ज़ोन है जहां 29 यूरोपीय देशों ने अपनी सीमाओं को समाप्त कर दिया है, ताकि पर्यटक वीज़ा के लिए अप्लाई करने और दोबारा अप्लाई करने की किसी परेशानी के बिना यात्रा कर सकें।

शेंगेन क्षेत्र के बारे में महत्वपूर्ण जानकारी