Spending time around complicated landscapes and cultures of the Schengen Area can be a life-enduring chore, but it is relevant to make sure that you stay safe the whole time during the trip. The travel insurance plan designed to take care of your Schengen visa application is not only the small private doctor on the phone, but it also entirely adheres to the Schengen visa requirements. This guide explains all you need to know in detail.
Schengen Visa Insurance Requirements for Indian Citizens
Getting adequate travel insurance is a choice but a compulsory way of securing you and your valuables during a trip. To be considered valid for a Schengen visa application, your travel health insurance must meet specific criteria:
Minimum Coverage:
You should consider the insurance policy which will cover expenses from at least 30 thousand euros, which serves as an all-purpose financial protection in an unexpected medical crisis.
Coverage Across Schengen Member States:
The insurance coverage should extend across all the part states of the Schengen region ensuring that you will be protected irrespective of where your path through the Schengen region pans out to.
Comprehensive Medical Coverage:
The policy should consist of all expenses associated with emergency medical services, medical evacuation, and repatriation from Europe to Indian territory. This enables you to be fully aware and ready for the situation that you might encounter while traveling without any warning.
Navigating the Process of Obtaining Schengen Visa Travel Insurance
The Schengen visa journey commences with the purchase of a travel health insurance policy which one considers to be the most important step. Here’s a step-by-step guide to help you navigate the process seamlessly:
Obtain a Quote:
The websites of these properties feature an easy-to-maneuver approach where you have an opportunity to receive a custom quote by providing your details.
Enter Travel Dates:
Inform about the practical data of your arrival and departure within the zone of Schengen. This positions your policy in a way that matches your time causing you to be away for the set period.
Specify the Number of Travelers:
And indicate whether your insurance plan is for you alone or whether you are planning to include any of your traveling companions.
Complete the Purchase Form:
Continue by filling out all the fields of the purchase form entering data discreetly and exactly.
Review Policy Details:
Seek confirmation that your selected policy complies with all the necessary guidelines and also the level of coverage you want by taking the time to go through its details.
Make the Payment:
When you have finally settled on your policy, then the next step would be to make the payment towards the said policy.
Ensuring the Right Coverage for Schengen Visa Holders
Choosing the right travel insurance for the Schengen visa is a very important aspect and you must get the coverage that pleases you and is derived from your trips. Here are some key considerations to keep in mind:
Comprehensive Coverage
Select a policy that is a wide-ranging kind of medical cover, including medical expenses, emergency evacuation medically as well as repatriation. This element means that your actions will be covered in case of any unanticipated health-related situation.
Duration of Coverage
Make sure that you have the validity of your visa for the whole period of your Schengen Area stay. It’s advisable to have a buffer that is wide enough to be flexible to cover any possible changes that you may face during your travel. This may include adjustments to your travel itinerary.
Pre-Existing Medical Conditions
However, if you have any pre-existing conditions make sure, to ask the insurer whether it is covered under the policy. For some of the policies, there is limited coverage for peculiar medical disorders or exclusion of those conditions.
Add-On Benefits
Besides the referral to the insurance coverage that might encompass trip cancellations, baggage loss, and travel delays, find out any other advantages of the policy. These however can be adjunct benefits that can give you extra traveling experience.
Who Can Apply for a Schengen Visa in India?
The following categories are eligible to submit a visa application at a Schengen embassy, consulate, or Visa Application Center (VAC) in India:
- Indian Passport Holders: Indian nationals having a passport from the country and wanting to visit the Schengen area.
- Other Nationals: Indians who need a visa to enter the Schengen area, as well as persons who are currently resident in India permanently or any other citizens of other countries, subject to the provisions of reciprocity.
Exploring Insurance Options
The Schengen visa travel insurance regulations are strict, and there are several options for obtaining an insurance policy. In addition to Indian providers, many well-known international insurance companies are recognized, offering suitable travel health insurance plans for Schengen visa applicants. This gives you the convenience to choose an affordable plan that meets your needs.
Can I get Schengen travel insurance without a medical checkup
Yes, you can obtain Schengen travel insurance in India without undergoing a medical checkup. Most travel insurance providers, including AXA, do not require a medical examination as part of their policy application process. This also means that you can purchase the insurance directly online without needing to provide medical records or undergo any health assessments.
Key Points to Consider
No Medical Checkup Required: Insurance policies from major providers typically do not mandate a medical examination, making it accessible for all travelers applying for a Schengen visa.
Coverage Requirements: Ensure that the policy meets the Schengen visa requirements, which include:
- Coverage of at least €30,000 for medical expenses.
- Validity across all Schengen countries for the entire duration of your stay.
- Inclusion of emergency medical treatment, hospitalization, and repatriation costs.
Instant Policy Issuance: Many insurers offer instant policy issuance and provide an insurance certificate via email, which is necessary for your visa application5.
Visa hunting is a crucial step in obtaining a Schengen visa. Securing the right health insurance policy is essential in this process. In addition, By meeting medical coverage requirements and choosing a suitable policy, you enhance your chances of a successful visa application for Schengen countries. This ensures that your travels are carefree and safe. Embrace the rich history, vibrant culture, and stunning landscapes of the Schengen Zone, all while prioritizing your well-being.
How Law and Visas Can Help?
At Law and Visas, our team of expert immigration consultants is here to make your Schengen Travel Insurance straightforward and successful. Whether you’re applying for a Long Stay Visa or a Short Stay Visa, we handle every step—from preparing your application to gathering the required documents.
Our Immigration Consultants and Lawyers ensure that your application meets the highest standards, with no details missed. We’ll also keep you informed throughout the process and coordinate with the immigration office or embassy on your behalf.
Law and Visas have a strong record of helping clients secure the visas/permits they need to visit the Schengen area. You can call us today at +234 812 5505 986 to learn how we can help you.
