Coverage for life-threatening PED conditions##
Coverage for life-threatening PED conditions##
If you travel to Europe for work, leisure or for business purposes, Schengen travel insurance can be your ideal travel companion in the EU Zone.
Reasons to Choose Care Health Insurance?
The Schengen area travel insurance is essential for Indian travellers planning to visit any of the 29 Schengen countries. Specifically designed for travel within the Schengen area, this insurance covers key aspects like medical emergencies, hospital stays, trip delays, trip cancellations, and baggage loss. For a successful Schengen visa application, your Schengen travel insurance must meet the region's minimum requirements, including medical coverage of at least € 30,000.
Apart from being a mandatory pre-requisite, travel insurance for an international journey is also important as an unforeseen emergency in a European country can be burdensome and may result in the derailment of your travel budget.
International travel insurance for cross-border trips
Travel Insurance for Students Pursuing Higher Studies Abroad!
Schengen travel insurance by Care Health Insurance comes with the following features:
| Parameter | Definition |
|---|---|
| Budget-friendly premium | At Care Health Insurance, Schengen travel medical insurance premium for a Schengen visa starts from as low as INR 522# for a week-long journey for an individual with no pre-existing disease. |
| Automatic Trip Extension | If you stay in Europe for a prolonged duration of up to 7 consecutive days due to natural calamity, hospitalisation, or death, the travel medical insurance bought from Care Health Insurance automatically extends the duration of your policy. |
| Cashless Claim Processing | The cashless claims benefit in Care’s Schengen Travel Insurance helps you avail emergency medical assistance through the wide network of healthcare providers in various European regions. |
| All-inclusive Protection | Whether you have missed your checked-in baggage or have lost your passport in a burglary in Europe, Care Health’s travel insurance for the Schengen region promises to be at your rescue, providing financial aid in retrieving your belongings. |
*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
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:
| Description | Explore Europe | Student Explore |
|---|---|---|
| Sum Insured | € 30K & 100K (Vary according to the premium) | US $ 30K, 50K, 100K, 300K, 500K, and 1000K |
Trip Options
|
Yes Yes |
There are fixed policy tenure options of 1 to 24 months available under Student Travel Plans |
| Entry Age (Single Trip) | Minimum: Child - 1Day; Adult - 18 Years Maximum: Child - 24 Years; Adult- Lifelong |
Every fixed-tenure policy involves the same eligibility criteria- Minimum - 12 Years Maximum - 40 Years |
| Entry Age (Multi-Trip) | Minimum: Child - 1Day; Adult - 18 Years Maximum: Child - 24 Years; Adult- Lifelong |
Minimum - 12 Years Maximum - 40 Years |
*Family option is only available on Single Trip Policies.
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.
Let us discuss the coverage provided by Care health insurance under the Schengen area Travel Insurance plan:
The Schengen travel Insurance does not offer coverage in the following scenarios:
Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
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:
*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.
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:
| Insured Member(s) | Age | Any Pre-existing Disease | Sum Insured | Policy Duration | Premium Amount (approx.) |
|---|---|---|---|---|---|
| 1 | 24 years | No | € 30K | 7 Days | Rs. 522* |
*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured member. It considers that the insured members have not been diagnosed, hospitalised, or undergone any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.
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:
To buy the best travel insurance for the Schengen region online, follow the steps below:
Step 1
On the quote page, fill in the details of your destination and trip duration. Next, evaluate the sum insured and coverage offered, and then click on the Buy Now button.
Step 2
On the newly appeared page, apply for customer KYC, fill out the proposer details, and press the “Next” button when you are done.
Step 3
On the next pages, fill in the insured member’s details and disclose any medical history.
Step 4
Finalise your purchase by making the payment. The policy documents will be shared via the registered email ID and phone numbers.
If you're planning a trip from India to Schengen countries, here is a simple guide to help you prepare all the required documents:
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.
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:
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.
Find out where you need to apply—a visa centre where your destination country's embassy has outsourced visa submission, or the embassy itself.
Find out the perfect time to apply for a Schengen visa. Ideally, you should submit your Schengen visa application three to four weeks before your trip starts.
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.
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.
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.
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.
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.
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.
You can apply for a Schengen Visa for up to 6 months to 15 days before your travel date. However, the visa authorities may take 10-15 days to approve/ reject your visa, it is recommended to not wait till the last minute to apply for a Schengen Visa.
Later, you can submit the below-mentioned documents for Schengen visa to the embassy or consulate near to you:
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:
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.
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:
The Schengen region is a zone in the European continent where 29 European countries have abolished their borders to allow visitors to visit without any hassle of applying and re-applying for a visa.
| Austria | Belgium | Bulgaria | Croatia | Czech Republic |
| Denmark | Estonia | Finland | France | Germany |
| Greece | Hungary | Iceland | Italy | Latvia |
| Liechtenstein | Lithuania | Luxembourg | Malta | Netherlands |
| Norway | Poland | Portugal | Romania | Slovakia |
| Spain | Sweden | Switzerland | Slovenia |
| Category | Details |
|---|---|
| Existence | First signed on June 14, 1985, between five countries(Belgium, the Netherlands, the Grand Duchy of Luxembourg, France, and the Federal Republic of Germany) |
| Area | 4.595 million square km |
| Total Population | 400 million |
| Total Countries Signed | 29 countries till date |
| Official Languages | German, French, Dutch, Greek, Swedish |
| Official Currency | Euro |
| Best time to travel | May, June, and September |
The premium cost for Schengen travel insurance may vary based on factors such as age, places you are to visit, pre-existing ailments, coverage, single or multi-trip cover, etc. However, at Care Health Insurance, the international travel insurance for Schengen zones can start from as little as ₹65/- per day.
No. To apply for a Schengen Visa to visit European countries, having Travel health insurance with a balance of at least Euro 30,000 is mandatory.
The right way to purchase the best plan is to compare travel insurance plans from some of the best health insurance companies and then opt for the one which meets your needs the most.
Europe is a company that is economically strong. Thus, keeping in mind the expensive healthcare facilities, CHIL has designed a financial cushion that covers you while you cover your healthcare needs in a Schengen region.
To apply for a Schengen visa, it is mandatory to apply for Travel medical insurance in the home country of the insured.
Yes. If you are applying for a Schengen Visa, a bank statement not older than 3 months can be used as proof.
Yes. Schengen Travel Insurance is a prerequisite document to apply for all types of visas for Schengen Countries.
Yes, a Schengen Visa allows you to cross borders across the Schengen region on a single visa. If you have bought a Schengen visa, you do not have to bother again and again to visit different countries in the European continent.
There are a number of factors that may affect the premium of Schengen travel insurance such as:
It may take around two weeks for the Schengen visa to be processed however, the time may vary depending on various factors.
Yes, international travel insurance is a prerequisite when applying for a Schengen visa.
When applying for a Schengen visa, you must have Schengen travel insurance with a minimum sum insured of €30,000.
Schengen travel insurance is a mandatory requirement when filing for a Schengen visa. Therefore, to avoid visa rejection, you should buy Schengen travel insurance before applying for a visa.
Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.
^^Number of Cashless Healthcare Providers till Feb 2025
**Number of Claims Settled as of 31st March 2024
^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.
##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.
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